CN117745444A

CN117745444A - Processing method and device for estimating damage rate, storage medium and electronic device

Info

Publication number: CN117745444A
Application number: CN202311766482.7A
Authority: CN
Inventors: 薛嘉美
Original assignee: China Construction Bank Corp
Current assignee: China Construction Bank Corp
Priority date: 2023-12-20
Filing date: 2023-12-20
Publication date: 2024-03-22

Abstract

The invention discloses a processing method and device for estimating damage rate, a storage medium and an electronic device, wherein the method comprises the following steps: determining the comprehensive period of the account based on the value of each asset in the asset combination corresponding to the account and the combined value of the asset combination; determining the scale of the target resource based on the residual quantity of the target resource and the release quantity of the target resource in a preset time, wherein the target resource influences the increase condition of the value of each asset in the asset combination; determining a growth rate of the target resource based on the target reference interest rate; and determining the estimated damage rate of the target resource based on the growth rate of the target resource, the comprehensive deadline and the scale of the target resource. The method solves the technical problem that in the related art, when the estimated damage rate is determined, the accuracy of the determined estimated damage rate is lower.

Description

Processing method and device for estimating damage rate, storage medium and electronic device

Technical Field

The invention relates to the technical field of financial information, in particular to a processing method and device for estimating damage and benefit rate, a storage medium and an electronic device.

Background

The calculation of the estimated damage rate is one of important works in the financial information technology industry, and the estimated damage rate of the asset is analyzed to predict the trend of the policy in advance, so that a related institution is prompted to prevent related risk impact.

In the related field, when the estimated damage rate is determined, the value of the asset is simply multiplied with the increase rate of the value of the asset, and the method has great limitation in practical application and cannot refine the improvement of risk management, so that the determined estimated damage rate has lower accuracy.

Aiming at the technical problem that the accuracy of the determined estimated damage rate is low when the estimated damage rate is determined in the related art, no effective solution has been proposed.

Disclosure of Invention

The embodiment of the invention provides a processing method and device for estimating the damage rate, a storage medium and an electronic device, which at least solve the technical problem that the accuracy of the estimated damage rate is lower when the estimated damage rate is determined in the related technology.

According to an aspect of the embodiment of the present invention, there is provided a processing method for estimating a damage rate, including: determining the comprehensive period of the account based on the value of each asset in the asset combination corresponding to the account and the combined value of the asset combination; determining the scale of the target resource based on the residual quantity of the target resource and the release quantity of the target resource in a preset time, wherein the target resource influences the increase condition of the value of each asset in the asset combination; determining a growth rate of the target resource based on the target reference interest rate; and determining the estimated damage rate of the target resource based on the growth rate of the target resource, the comprehensive deadline and the scale of the target resource.

In one exemplary embodiment, determining the composite deadline for the account based on the value of each asset in the portfolio corresponding to the account and the combined value of the portfolio includes: determining a weighted average deadline for the portfolio in the account; determining a first product of the weighted average deadline and the value of each asset; and determining the ratio of the first product to the combined value to obtain the comprehensive deadline.

In one exemplary embodiment, determining a weighted average deadline for a portfolio of assets in an account includes: determining an investment deadline for each asset in the portfolio; the product of the investment deadline for each asset and the weight of each asset in the portfolio is determined to obtain a weighted average deadline.

In one exemplary embodiment, determining the size of the target resource based on the remaining number of target resources and the number of releases of the target resource within a preset time includes: and determining the sum of the residual quantity and the release quantity of the target resource to obtain the scale of the target resource.

In one exemplary embodiment, the growth rate of the target resource includes an expected growth rate, and the current growth rate, the target benchmark interest rate includes an expected benchmark interest rate, and the current benchmark interest rate, determining the growth rate of the target resource based on the target benchmark interest rate comprises: acquiring a first coefficient and a second coefficient, wherein the first coefficient and the second coefficient are different in size; determining a second product of the first coefficient and the expected baseline interest rate, and a third product of the first coefficient and the current baseline interest rate; and determining the sum of the second product and the second coefficient to obtain an expected growth rate, and determining the sum of the third product and the second coefficient to obtain a current growth rate.

In one exemplary embodiment, in response to obtaining the expected growth rate and the current growth rate, the method further comprises: and determining a difference value between the expected growth rate and the current growth rate to obtain a growth rate difference value.

In one exemplary embodiment, determining an estimated utilization of the target resource based on the growth rate of the target resource, the composite deadline, and the size of the target resource includes: determining a fourth product of the growth rate difference and the integrated deadline; and determining the product of the fourth product and the scale of the target resource to obtain the estimated damage rate of the target resource.

According to another aspect of the embodiment of the present invention, there is also provided a processing apparatus for estimating a damage rate, including: the first determining module is used for determining the comprehensive deadline of the account based on the value of each asset in the asset combination corresponding to the account and the combined value of the asset combination; the second determining module is used for determining the scale of the target resource based on the residual quantity of the target resource and the release quantity of the target resource in the preset time, and the target resource influences the increase condition of the value of each asset in the asset combination; a third determining module for determining a growth rate of the target resource based on the target reference interest rate; and the fourth determining module is used for determining the estimated damage rate of the target resource based on the growth rate of the target resource, the comprehensive period and the scale of the target resource.

According to another aspect of the embodiment of the present invention, there is further provided a computer-readable storage medium, wherein the computer-readable storage medium includes a stored program, and the processing method for estimating the damage rate is executed when the program runs.

According to still another aspect of the embodiment of the present invention, there is provided an electronic device including a memory and a processor, wherein the memory stores a computer program, and the processor executes the above-mentioned method for estimating the damage rate through the computer program.

In the embodiment of the invention, the comprehensive period of the account is determined based on the value of each asset in the asset combination corresponding to the account and the combined value of the asset combination; determining the scale of the target resource based on the residual quantity of the target resource and the release quantity of the target resource in a preset time, wherein the target resource influences the increase condition of the value of each asset in the asset combination; determining a growth rate of the target resource based on the target reference interest rate; and determining the estimated damage rate of the target resource based on the growth rate of the target resource, the comprehensive deadline and the scale of the target resource. It is easy to note that when the estimated profit and loss ratio of the target resource is determined, not only the value of the asset combination and the increase rate of the value are considered, but also the comprehensive term of the account is considered, and the residual quantity of the target resource and the release quantity of the target resource in the preset time are considered, so that the estimated profit and loss ratio of the determined target resource is finer and more accurate, the accuracy of the determined estimated profit and loss ratio is improved, and the technical problem that the accuracy of the determined estimated profit and loss ratio is lower when the estimated profit and loss ratio is determined in the related art is solved.

Drawings

The accompanying drawings, which are included to provide a further understanding of the invention and are incorporated in and constitute a part of this specification, illustrate embodiments of the invention and together with the description serve to explain the invention and do not constitute a limitation on the invention. In the drawings:

fig. 1 is a block diagram of a hardware configuration of a computer terminal of a processing method for estimating a damage rate according to an embodiment of the present invention;

FIG. 2 is a flow chart of an alternative method of estimating the damage rate according to an embodiment of the present invention;

fig. 3 is a block diagram illustrating a process of estimating a damage rate according to an embodiment of the present invention.

Detailed Description

In order that those skilled in the art will better understand the present invention, a technical solution in the embodiments of the present invention will be clearly and completely described below with reference to the accompanying drawings in which it is apparent that the described embodiments are only some embodiments of the present invention, not all embodiments. All other embodiments, which can be made by those skilled in the art based on the embodiments of the present invention without making any inventive effort, shall fall within the scope of the present invention.

It should be noted that the terms "first," "second," and the like in the description and the claims of the present invention and the above figures are used for distinguishing between similar objects and not necessarily for describing a particular sequential or chronological order. It is to be understood that the data so used may be interchanged where appropriate such that the embodiments of the invention described herein may be implemented in sequences other than those illustrated or otherwise described herein. Furthermore, the terms "comprises," "comprising," and "having," and any variations thereof, are intended to cover a non-exclusive inclusion, such that a process, method, system, article, or apparatus that comprises a list of steps or elements is not necessarily limited to those steps or elements expressly listed but may include other steps or elements not expressly listed or inherent to such process, method, article, or apparatus.

Example 1

The method embodiment provided by the embodiment of the invention can be operated in a computer terminal. Taking the operation on a computer terminal as an example, fig. 1 is a block diagram of a hardware structure of a computer terminal according to a processing method for estimating a damage rate according to an embodiment of the present invention. As shown in fig. 1, the computer terminal may include one or more (only one is shown in fig. 1) processors 102 (the processor 102 may include, but is not limited to, a processing system such as a microprocessor MCU or a programmable logic device FPGA) and a memory 104 for storing data, and in one exemplary embodiment, may also include a transmission device 106 for communication functions and an input-output device 108. It will be appreciated by those skilled in the art that the configuration shown in fig. 1 is merely illustrative and is not intended to limit the configuration of the computer terminal described above. For example, a computer terminal may also include more or fewer components than shown in FIG. 1, or have a different configuration than the equivalent functions shown in FIG. 1 or more than the functions shown in FIG. 1.

The memory 104 may be used to store a computer program, for example, a software program of application software and a module, such as a computer program corresponding to a method for estimating a damage rate in an embodiment of the present invention, and the processor 102 executes various functional applications and data processing by executing the computer program stored in the memory 104, that is, implements the method described above. Memory 104 may include high-speed random access memory, and may also include non-volatile memory, such as one or more magnetic storage systems, flash memory, or other non-volatile solid-state memory. In some examples, memory 104 may further include memory remotely located with respect to processor 102, which may be connected to secure text via a network. Examples of such networks include, but are not limited to, the internet, intranets, local area networks, mobile communication networks, and combinations thereof.

The transmission device 106 is used to receive or transmit data via a network. The specific example of the network described above may include a wireless network provided by a communication provider of the image capturing apparatus. In one example, the transmission device 106 includes a network adapter (Network Interface Controller, simply referred to as NIC) that can connect to other network devices through a base station to communicate with the internet.

In this embodiment, a processing method for estimating the damage rate is provided, which includes but is not limited to application to the above-mentioned computer terminal.

The present invention is applicable to various fields, and the present invention is described only by taking the application of the present invention to the financial field as an example.

Fig. 2 is a flowchart of an alternative method of estimating the damage rate according to an embodiment of the present invention, the flowchart including the steps of:

step S202, determining the comprehensive deadline of the account based on the value of each asset in the asset combination corresponding to the account and the combined value of the asset combination.

The account may be a system public market account (also called System Open Market Account, SOMA for short).

The portfolio can be all of the portfolios contained in the system open market account, where each investment can be a securities, or bond investment.

The value of each asset described above may be a market value for each asset.

The combined value of the portfolio may be the combined market value of all investment items contained in the system public market account.

The integrated term may be an integrated long term of SOMA, where the integrated long term may be a term weighted average term of a portfolio, calculated according to a bond holding ratio, thus more accurately reflecting the average term of the bond portfolio.

In an alternative embodiment, since the integrated long term is a percentage of the portfolio's value change in the face of interest rate change, which measures the sensitivity of the portfolio to the interest rate change, the integrated long term of the portfolio needs to be considered in making the determination of the estimated rate of interest of the target resource, which may be U.S. debt, or simply liability, optionally, the integrated duration of the SOMA may be determined by performing a correlation calculation of the portfolio's value in the SOMA, and the value of each asset in the portfolio.

In step S204, the scale of the target resource is determined based on the remaining number of the target resource and the release number of the target resource within the preset time, and the target resource affects the increase of the value of each asset in the asset portfolio.

The remaining amount may be the balance of the liability.

The number of target resources issued in the preset time can be the net issue of the liability in a future period, wherein the preset time can be set by a person skilled in the art according to the requirement.

In an alternative embodiment, since the target resource affects the market growth of each asset in the portfolio, and each investment in the portfolio can be either a securities or a bond investment, wherein the bond investment can be a liability investment, the estimated profitability of the portfolio can be determined by determining the scale of the target resource, optionally taking into account the scale of the target resource.

Optionally, when determining the scale of the target resource, the remaining number of the target resource and the release number of the target resource in the preset time may be determined, where the remaining number of the target resource and the release number of the target resource in the preset time may be disclosed in the market, so that the relevant data may be obtained directly from the market, and further, the scale of the target resource may be determined by performing relevant calculation on the remaining number of the target resource and the release number of the target resource in the preset time.

Step S206, determining the growth rate of the target resource based on the target reference interest rate.

The target benchmark interest rate may be a united states benchmark interest rate.

The growth rate of the target resource may be a yield rate of liabilities.

In an alternative embodiment, the target reference interest rate is also one of the important factors that affect the estimated profit-and-loss rate of the target resource, so that the estimated profit-and-loss rate of the investment portfolio may be determined by considering the influencing factors of the target reference interest rate, and optionally, by performing regression analysis on the target reference interest rate.

Step S208, the estimated profit-and-loss ratio of the target resource is determined based on the growth rate of the target resource, the comprehensive period and the scale of the target resource.

In an alternative embodiment, after the growth rate, the comprehensive period and the scale of the target resource are obtained, the estimated damage rate of the target resource can be determined by performing related calculation on the growth rate, the comprehensive period and the scale of the target resource. Optionally, in the calculating, the product of the growth rate, the comprehensive period and the scale of the target resource can be considered to be determined, so as to obtain the estimated damage rate of the target resource.

The weighted average deadline for the portfolio may be a weighted average deadline for a portfolio included in the SOMA.

In an alternative embodiment, to calculate the overall long term of the SOMA combination, it is first necessary to know the long term and the weight of the portfolio included in the SOMA, then calculate the overall long term of the portfolio based on these data, and if there is a SOMA combination in which the term structure and balance distribution of the liability and mortgage support securities are known, then calculate the long term of each bond based on these data, and then calculate the overall long term of the overall SOMA combination using these long term and weight.

Alternatively, the calculation may be performed by the following formula:

comprehensive deadline = weighted average deadline x value per asset/combined value

In an alternative embodiment, the investment deadline for each asset in the portfolio may be utilized, along with the weight each asset occupies in the portfolio, to determine a weighted average deadline, which may be derived by calculating the product of the investment deadline for each asset and the weight each asset occupies in the portfolio.

In an alternative embodiment, the liability scale of the future point in time may be calculated by means of a joint store expansion or contraction path revealed by the market, and first, it is necessary to understand how the joint store expansion and contraction path is planned, and the joint store will typically announce the plan of its expansion or contraction in advance, these information may be obtained on the public market, and assuming that the joint store expansion or contraction path is known, the liability scale of the future point in time may be predicted from these information, specifically, if the joint store plan expansion is known, the liability issue in the future may increase, whereas if the joint store plan contraction is known, the liability issue in the future may decrease, and thus, the size of the target resource may be obtained by determining the sum of the remaining number of target resources and the issue number, that is, assuming that the remaining number of target resources is N, the issue number of issue number is a-B, and the size of target resources may be n+ (a-B).

Taking the example below as an illustration, assuming that the American joint store is expected to be charged to a level of 3.25% to 3.5% before the end of the year, the American joint store would be expected to charge around 325 base points in the year, the 5 month 4 day American joint store announces a formal, if the American joint store decision maker follows the formal guidelines issued by their month, then by 2025 years the combined securities size of the American joint store would likely drop to 5.9 trillion dollars, which also means that in the coming three years, the American bond and mortgage held by the American joint store support the total securities, the American joint store would likely be expected to reduce by about 2.5 trillion dollars, at which time the American joint store would suspend the formal steps to maintain sufficient bank reserve levels, the American joint store path would be expected to be reduced to 475 dollars (300 billion bond+175 mortgage supports securities) for the first three months, the upper limit of the reduction to 950 billion dollars (600.350) for the three months, and the optional bond path to be reduced to 62.37 co-U.37, which could be published by the system of the market.

The expected reference interest rate may be a reference interest rate of the target resource in a future period of time, and optionally, the expected time of the expected reference interest rate is not particularly limited in the present invention, and is illustrated in the present invention by taking 5 years as an example.

The first coefficient and the second coefficient may be obtained by performing a related financial analysis, and in the present invention, the first coefficient is 0.6952 and the second coefficient is 1.3826.

In an alternative embodiment, the sum of the product of the first coefficient and the expected reference interest rate and the second coefficient may be determined as the expected growth rate, and the sum of the product of the first coefficient and the current reference interest rate and the second coefficient may be determined as the current growth rate, specifically, may be calculated using the following formula:

y＝0.6952x+1.3826

where y may be the growth rate of the target resource and x may be the target benchmark interest rate.

In an alternative embodiment, after the expected growth rate and the current growth rate are obtained, a difference between the expected growth rate and the current growth rate may be calculated to obtain a growth rate difference, and further, the growth rate difference may be used to determine an estimated utilization rate of the target resource.

In an alternative embodiment, the estimated cost of the target resource may be calculated by the following formula:

estimate profit-loss = growth rate difference x composite deadline x size of target resource.

By way of example, assuming that the American joint store is charged to 3.5% at the end of the year, the estimated value of the rate of return of the American debt in the 5 year period is calculated to be increased to 3.82% and 2.56% more than the beginning of the year, and the floating deficit is estimated to be 2.56% x 3.6 (long term) x 8.37 (trillion) =0.77 (trillion dollars) based on the balance after the American joint store shrinkage table, alternatively, the actual deficit of the bond to be thrown is estimated to be about 4.275 billions dollars before the end of the year, and the estimated actual deficit of the bond to be 2.56% x 3.6 (comprehensive long term) x 4.275 =394 (trillion dollars), that is, the estimated benefit is 394 billion dollars.

From the description of the above embodiments, it will be clear to a person skilled in the art that the method according to the above embodiments may be implemented by means of software plus the necessary general hardware platform, but of course also by means of hardware, but in many cases the former is a preferred embodiment. Based on such understanding, the technical solution of the present invention may be embodied essentially or in a part contributing to the prior art in the form of a software product stored in a storage medium (e.g. ROM/RAM, magnetic disk, optical disk) comprising instructions for causing a terminal device (which may be a mobile phone, a computer, a server, or a network device, etc.) to run the method of the embodiments of the present invention.

Example 2

The embodiment also provides a processing device for estimating the damage rate, which is used for implementing the foregoing embodiment and the preferred implementation manner, and is not described in detail. As used below, the term "module" may be a combination of software and/or hardware that implements a predetermined function. While the devices described in the following embodiments are preferably implemented in software, implementations in hardware, or a combination of software and hardware, are also possible and contemplated.

Fig. 3 is a block diagram illustrating a processing apparatus for estimating a damage rate according to an embodiment of the present invention, as shown in fig. 3, the apparatus includes:

the first determination module 302 determines a composite deadline for the account based on the value of each asset in the portfolio corresponding to the account and the combined value of the portfolio.

A second determining module 304, configured to determine a scale of the target resource based on the remaining number of target resources and the number of issues of the target resource in the preset time, where the target resource affects an increase in a value of each asset in the portfolio.

A third determination module 306 is configured to determine a growth rate of the target resource based on the target baseline interest rate.

A fourth determining module 308 is configured to determine an estimated utilization rate of the target resource based on the growth rate of the target resource, the composite deadline, and the size of the target resource.

In one exemplary embodiment, the first determination module 302 includes: a first determining unit for determining a weighted average deadline for the portfolio in the account; a second determining unit for determining a first product of the weighted average deadline and the value of each asset; and the third determining unit is used for determining the ratio of the first product to the combined value to obtain the comprehensive period.

In one exemplary embodiment, the first determining unit includes: a first determination subunit for determining an investment deadline for each asset in the portfolio; and the second determining word unit is used for determining the product of the investment deadline of each asset and the weight of each asset in the asset combination to obtain a weighted average deadline.

In one exemplary embodiment, the second determination module 304 includes: and a fourth determining unit, configured to determine a sum of the remaining number of the target resources and the release number, to obtain a scale of the target resources.

In one exemplary embodiment, the third determination module 306 includes: the acquisition unit is used for acquiring a first coefficient and a second coefficient, wherein the first coefficient and the second coefficient are different in size; a fifth step of determining a second product of the first coefficient and the expected reference interest rate and a third product of the first coefficient and the current reference interest rate; and a sixth determining unit, configured to determine a sum of the second product and the second coefficient to obtain an expected growth rate, and determine a sum of the third product and the second coefficient to obtain a current growth rate.

In an exemplary embodiment, the apparatus further comprises: and a fifth determining module, configured to determine a difference between the expected growth rate and the current growth rate, to obtain a growth rate difference.

In one exemplary embodiment, the fourth determination module 308 includes: a seventh determining unit configured to determine a fourth product of the growth rate difference value and the integrated deadline; and an eighth determining unit, configured to determine a product of the fourth product and the scale of the target resource, to obtain an estimated failure rate of the target resource.

Example 3

An embodiment of the present invention also provides a storage medium including a stored program, wherein the program runs the method of any one of the above.

Alternatively, in the present embodiment, the above-described storage medium may be configured to store program code for executing the steps of: determining the comprehensive period of the account based on the value of each asset in the asset combination corresponding to the account and the combined value of the asset combination; determining the scale of the target resource based on the residual quantity of the target resource and the release quantity of the target resource in a preset time, wherein the target resource influences the increase condition of the value of each asset in the asset combination; determining a growth rate of the target resource based on the target reference interest rate; and determining the estimated damage rate of the target resource based on the growth rate of the target resource, the comprehensive deadline and the scale of the target resource.

In one exemplary embodiment, the computer readable storage medium may include, but is not limited to: a usb disk, a Read-Only Memory (ROM), a random access Memory (Random Access Memory, RAM), a removable hard disk, a magnetic disk, or an optical disk, or other various media capable of storing a computer program.

Specific examples in this embodiment may refer to the examples described in the foregoing embodiments and the exemplary implementation, and this embodiment is not described herein.

Example 4

An embodiment of the invention also provides an electronic device comprising a memory having stored therein a computer program and a processor arranged to run the computer program to perform the steps of any of the method embodiments described above.

Alternatively, in this embodiment, the above-mentioned processor may be configured to execute the following by a computer program: determining the comprehensive period of the account based on the value of each asset in the asset combination corresponding to the account and the combined value of the asset combination; determining the scale of the target resource based on the residual quantity of the target resource and the release quantity of the target resource in a preset time, wherein the target resource influences the increase condition of the value of each asset in the asset combination; determining a growth rate of the target resource based on the target reference interest rate; and determining the estimated damage rate of the target resource based on the growth rate of the target resource, the comprehensive deadline and the scale of the target resource.

Optionally, the electronic apparatus may further include a transmission device and an input/output device, where the transmission device is connected to the processor, and the input/output device is connected to the processor.

Alternatively, specific examples in this embodiment may refer to examples described in the foregoing embodiments and optional implementations, and this embodiment is not described herein.

It will be appreciated by those skilled in the art that the modules or steps of the invention described above may be implemented in a general purpose computing system, they may be centralized in a single computing system, or distributed across a network of computing systems, and they may alternatively be implemented in program code that is executable by the computing system, such that they are stored in a memory system and, in some cases, executed in a different order than that shown or described, or they may be implemented as individual integrated circuit modules, or as individual integrated circuit modules. Thus, the present invention is not limited to any specific combination of hardware and software.

The above description is only of the preferred embodiments of the present invention and is not intended to limit the present invention, but various modifications and variations can be made to the present invention by those skilled in the art. Any modification, equivalent replacement, improvement, etc. made within the principle of the present invention should be included in the protection scope of the present invention.

Claims

1. A method of processing an estimated rate of damage, comprising:

determining the comprehensive deadline of an account based on the value of each asset in the asset combination corresponding to the account and the combined value of the asset combination;

determining the scale of a target resource based on the residual quantity of the target resource and the release quantity of the target resource in a preset time, wherein the target resource influences the increase condition of the value of each asset in the asset combination;

determining a growth rate of the target resource based on a target reference interest rate;

and determining the estimated damage rate of the target resource based on the growth rate of the target resource, the comprehensive period and the scale of the target resource.

2. The method of claim 1, wherein determining the aggregate deadline for the account based on the value of each asset in the portfolio of assets for which the account corresponds and the combined value of the portfolio comprises:

determining a weighted average deadline for the portfolio in the account;

determining a first product of said weighted average deadline and said value of each asset;

and determining the ratio of the first product to the combined value to obtain the comprehensive period.

3. The method of claim 2, wherein determining a weighted average deadline for the portfolio of assets in the account comprises:

determining an investment deadline for each asset in the portfolio;

and determining the product of the investment deadline of each asset and the weight of each asset in the asset combination to obtain the weighted average deadline.

4. The method of claim 1, wherein determining the size of the target resource based on the remaining number of target resources and the number of target resources issued in a predetermined time comprises:

and determining the sum value of the residual quantity of the target resources and the release quantity to obtain the scale of the target resources.

5. The method of claim 1, wherein the rate of increase of the target resource comprises an expected rate of increase and a current rate of increase, wherein the target reference interest rate comprises an expected reference interest rate and a current reference interest rate, wherein determining the rate of increase of the target resource based on the target reference interest rate comprises:

acquiring a first coefficient and a second coefficient, wherein the first coefficient and the second coefficient are different in size;

determining a second product of the first coefficient and the expected baseline interest rate and a third product of the first coefficient and the current baseline interest rate;

and determining the sum of the second product and the second coefficient to obtain the expected growth rate, and determining the sum of the third product and the second coefficient to obtain the current growth rate.

6. The method of processing for estimating a damage rate according to claim 5, wherein in response to obtaining the expected growth rate and the current growth rate, the method further comprises:

and determining a difference value between the expected growth rate and the current growth rate to obtain a growth rate difference value.

7. The method of claim 1, wherein determining the estimated utilization rate of the target resource based on the growth rate of the target resource, the aggregate deadline, and the size of the target resource comprises:

determining a fourth product of the growth rate difference and the integrated deadline;

and determining the product of the fourth product and the scale of the target resource to obtain the estimated damage rate of the target resource.

8. A processing apparatus for estimating a damage rate, comprising:

the first determining module is used for determining the comprehensive deadline of the account based on the value of each asset in the asset combination corresponding to the account and the combined value of the asset combination;

a second determining module, configured to determine a scale of a target resource based on a remaining number of target resources and a release number of the target resources within a preset time, where the target resources affect an increase in a value of each asset in the portfolio;

a third determining module for determining a growth rate of the target resource based on a target reference interest rate;

and a fourth determining module, configured to determine an estimated failure rate of the target resource based on the growth rate of the target resource, the comprehensive deadline, and the scale of the target resource.

9. A computer readable storage medium, characterized in that the computer readable storage medium comprises a stored program, wherein the program runs the method according to any one of the preceding claims 1 to 7.

10. An electronic device comprising a memory and a processor, characterized in that the memory has stored therein a computer program, the processor being arranged to run the method according to any of the claims 1 to 7 by means of the computer program.