CN117788171A - Product fluidity pressure testing method and device, electronic equipment and medium - Google Patents

Abstract

The application provides a product fluidity pressure testing method, device, electronic equipment and medium, and relates to the field of financial science and technology. The method includes obtaining scheduling data of a product; wherein the scheduling data includes product constant value data of the product applied to data of different sub-products; acquiring flowable sub-product data based on the scheduling data of the product; the mobile sub-product data represents characteristic data of the mobile sub-product converted into fixed value data of the mobile sub-product, and the mobile sub-product is a sub-product with a mobile type being a target mobile type in the scheduling data; and carrying out the flowability pressure test of the product based on the pressure test parameters of the product, the flowability sub-product data and the product constant value data. According to the method, the accuracy of the product flowability pressure test is improved, and the efficiency of the product flowability pressure test is improved.

Description

Product fluidity pressure testing method and device, electronic equipment and medium

Technical Field

The application relates to the field of financial science and technology, in particular to a product flowability pressure testing method, a device, electronic equipment and a medium.

Background

The pressure test is to simulate the situation of resisting risk impact of a product under the condition of adverse influence of a market, the existing product fluidity pressure test is usually performed by adopting a manual mode to perform statistical calculation, specifically, the warehouse holding situation of the product at a certain test time point is obtained, and the investment and financing data and the net redemption data are calculated after manual arrangement and separation, so that the product fluidity pressure test is performed.

However, the manual mode has large calculation workload and low working efficiency, the investment and financing channels of the existing product are increased, meanwhile, the investment and financing mode can be changed at any time, and the bin holding condition of the product obtained by the manual mode is incomplete, so that the investment and financing data of the product cannot be accurately calculated, and the accuracy of the flowability and pressure test of the product is low.

Disclosure of Invention

The application provides a product fluidity pressure testing method, device, electronic equipment and medium, which are used for solving the problems of high product fluidity pressure testing cost and low accuracy.

In a first aspect, the present application provides a method for testing flowability and pressure of a product, including obtaining scheduling data of the product; wherein the scheduling data comprises data of product constant value data of the product applied to different sub-products; acquiring flowable sub-product data based on the scheduling data of the product; the mobile sub-product data represent characteristic data of mobile sub-products converted into fixed value data of the mobile sub-products, wherein the mobile sub-products are sub-products with the mobile categories being target mobile categories in the scheduling data; and carrying out the flowability pressure test of the product based on the pressure test parameters of the product, the flowability sub-product data and the product constant value data.

In a second aspect, the present application provides a product flowability pressure testing device comprising: the scheduling data acquisition module is configured to acquire scheduling data of the product; wherein the scheduling data comprises data of product constant value data of the product applied to different sub-products; a flowable sub-product data acquisition module configured to acquire flowable sub-product data based on the scheduling data of the product; the mobile sub-product data represent characteristic data of mobile sub-products converted into fixed value data of the mobile sub-products, wherein the mobile sub-products are sub-products with the mobile categories being target mobile categories in the scheduling data; and the testing module is configured to perform the flowability pressure test of the product based on the pressure testing parameter of the product, the flowability sub-product data and the product constant value data.

In a third aspect, the present application provides an electronic device, including: a processor, a memory; the memory is used for storing instructions; the processor is configured to execute the instructions in the memory, so that the electronic device performs the product flowability pressure testing method according to the first aspect.

In a fourth aspect, the present application provides a computer-readable storage medium having stored therein computer-executable instructions for implementing the product flowability pressure testing method according to the first aspect when executed by a processor.

In a fifth aspect, the present application provides a computer program product comprising a computer program which, when executed by a processor, implements the product flowability pressure testing method according to the first aspect.

According to the product flowability pressure test method, device, electronic equipment and medium, the flowability sub-product of the target flowability category is directly obtained based on the flowability category of the sub-product in the scheduling data through the scheduling data, and the flowability sub-product is obtained and converted into the flowability sub-product data of the flowability capital, namely the flowability sub-product fixed value data, so that the flowability pressure test of the product can be performed based on the flowability sub-product data invested in the product, the flowability pressure test process does not need to manually calculate investment data at a time point, the flowability pressure test with low cost and high efficiency is realized, meanwhile, errors caused by manual calculation can be reduced, and the flowability pressure test with high accuracy is realized.

Drawings

The accompanying drawings, which are incorporated in and constitute a part of this specification, illustrate embodiments consistent with the application and together with the description, serve to explain the principles of the application.

FIG. 1 is a schematic diagram of an implementation environment according to an embodiment of the present application;

FIG. 2 is a flow chart of a method for testing flowability and pressure of a product according to an embodiment of the present disclosure;

FIG. 3 is a flow chart illustrating a method for testing flowability and pressure of a product according to another embodiment of the present application;

FIG. 4 is a flow chart illustrating a method for testing flowability and pressure of a product according to another embodiment of the present application;

FIG. 5 is a flow chart of a method for testing flowability and pressure of a product according to another embodiment of the present application;

FIG. 6 is a block diagram of a product flowability pressure testing device according to an embodiment of the present application;

fig. 7 is a block diagram of an electronic device according to an embodiment of the present application.

Specific embodiments thereof have been shown by way of example in the drawings and will herein be described in more detail. These drawings and the written description are not intended to limit the scope of the inventive concepts in any way, but to illustrate the concepts of the present application to those skilled in the art by reference to specific embodiments.

Detailed Description

Reference will now be made in detail to exemplary embodiments, examples of which are illustrated in the accompanying drawings. When the following description refers to the accompanying drawings, the same numbers in different drawings refer to the same or similar elements, unless otherwise indicated. The implementations described in the following exemplary examples are not representative of all implementations consistent with the present application. Rather, they are merely examples of apparatus and methods consistent with some aspects of the present application as detailed in the accompanying claims.

It should be noted that, the user information (including but not limited to user equipment information, user personal information, etc.) and the data (including but not limited to data for analysis, stored data, presented data, etc.) referred to in the present application are information and data authorized by the user or fully authorized by each party, and the collection, use and processing of the related data need to comply with the related laws and regulations and standards, and provide corresponding operation entries for the user to select authorization or rejection.

It should be noted that the method, the device, the electronic equipment and the medium for testing the flowability pressure of the product can be used in the field of financial science and technology, and can also be used in any field except computer technology, and the application fields of the method, the device, the electronic equipment and the medium for testing the flowability pressure of the product are not limited.

The existing financial product fluidity pressure test is usually performed by a manual mode, but the manual mode has the problems of large manual calculation workload and inaccurate and untimely fluidity statistics of the assets. Specifically, as the liquidity risk of the financial product relates to investment asset data of various lists of the financial product, net redemption data of the product and the like, the calculation range is wide, the data volume is large, and if the calculation is performed only manually, the work efficiency is low; meanwhile, in the existing mode, the investment can be carried out through a channel, so that the number of the asset management plans invested at present is still large, the liquidity asset condition of the financial product after penetration is difficult to accurately count through a manual mode, the asset management plan bin-holding condition can be changed at any time along with the influence of market factors and the like, and real-time liquidity risk data cannot be accurately counted.

The method, the device, the electronic equipment and the medium for testing the fluidity pressure of the product can be applied to the fluidity pressure test of the product so as to obtain the risk pressure resistance of different products, in the process, the high fluidity sub-product is directly obtained based on the category of investment assets through scheduling data without manual statistics, the fluidity sub-product data converted into cash is obtained, the fluidity test can be carried out, the accuracy of the obtained pressure test result is high, the fluidity pressure test of the product can be accurately carried out in real time, the fluidity pressure test result of the product can be fed back to the investment and financing condition of the product, and the investment and financing condition of the existing product is adjusted based on the fluidity pressure test result of the product.

The following describes the technical solutions of the present application and how the technical solutions of the present application solve the above technical problems in detail with specific embodiments. The following embodiments may be combined with each other, and the same or similar concepts or processes may not be described in detail in some embodiments. Embodiments of the present application will be described below with reference to the accompanying drawings.

The product flowability pressure test provided by the application is suitable for the implementation environment shown in fig. 1. As shown in fig. 1, the implementation environment includes: the terminal 1 is in communication connection with the server 2; of course, the number of terminals 1 and server sides 2 shown in fig. 1 is illustrative, and in other embodiments, the implementation environment may further include other numbers of terminals 1 and server sides 2, which are not limited herein.

The terminal 1 in this embodiment may be understood as various electronic devices, such as a wired terminal or a wireless terminal, including devices such as a smart phone, a computer, a smart home appliance, a vehicle-mounted terminal, and the like, which are not particularly limited herein. The server side 2 may be an independent physical server, a server cluster or a distributed system formed by a plurality of physical servers, a cloud server, or the like, and is not particularly limited herein.

When the product flowability pressure test in this embodiment is applied to the implementation environment of fig. 1, the terminal 1 may obtain the scheduling data of the product, where the product is a financial product, and the scheduling data includes data of product constant value data of the product applied to different sub-products; the scheduling data may be obtained through a product scheduling platform (e.g., an entity) or a product management platform in the terminal 1, where the product scheduling platform or the product management platform may perform a financing operation of product constant value data, and an automatic batch scheduling scheme of product constant value data of a product is stored in the product scheduling platform or the product management platform, and the automatic batch scheduling scheme may obtain the scheduling data.

Then, the terminal 1 sends the obtained scheduling data of the product to the server 2 so that the server 2 obtains the scheduling data of the product; the mobile sub-product data is obtained based on the scheduling data of the product; the mobile sub-product data represents characteristic data of the mobile sub-product converted into fixed value data of the mobile sub-product, and the mobile sub-product is a sub-product with a mobile type being a target mobile type in the scheduling data; and finally, carrying out the flowability pressure test of the product based on the pressure test parameters of the product, the flowability sub-product data and the product constant value data.

Correspondingly, the product flowability pressure testing device is arranged in the server end 2 so as to finish the product flowability pressure test.

Of course, the implementation environment shown in fig. 1 in this embodiment is merely exemplary, and in other embodiments, the product flowability pressure testing method may be applied to other implementation environments, and the product flowability pressure testing device may be disposed in other structures in other implementation environments, which is not limited herein.

Based on the implementation environment of fig. 1, a method for testing product flowability pressure is provided in this embodiment, referring to fig. 2, the method for testing product flowability pressure is applied to the server side 2 of fig. 1, and the method for testing product flowability pressure includes steps S210 to S250, which are specifically described as follows:

step S210: and obtaining scheduling data of the product.

In this embodiment, the product may be regarded as a financial product, which may be issued by a product issuer and may be purchased by a user through mobile funds, such as cash, digital currency, etc.

The scheduling data comprises data of product fixed value data of the product applied to different sub-products, wherein the product fixed value data corresponds to the amount of funds collected by the product, the amount of funds collected by the product is regarded as the amount spent by a user buying the product or the amount obtained by a product issuer, and the scheduling data can be regarded as data for financing based on the product fixed value data.

The sub-product is an asset purchased by financing based on the product fixed value data, for example, in an embodiment, the sub-product is recruited to an amount with a value of B for the product a, and the issuer purchases the assets of a, B, c, etc. based on the amount with the value of B, the amount with the value of B is the product fixed value data, the assets of a, B, c, etc. are the sub-products of the product a, and the data of the number of purchases, date of purchases, amount of purchases, expiration time, and profit calculation mode, etc. corresponding to the assets of a, B, c, etc. are the scheduling data of the product a.

Step S230: the flowable sub-product data is obtained based on the scheduling data of the product.

The fluidity sub-product data represent characteristic data of the fluidity sub-product converted into constant value data of the fluidity sub-product, and the fluidity sub-product is a sub-product with the fluidity category being a target fluidity category in the scheduling data.

Specifically, the obtaining of the flowable sub-products is based on a target flowability category, and in an embodiment, the scheduling data includes a category label of each sub-product, and of course, the categories of different sub-products may be the same or different according to specific information of the sub-products, and the sub-products of the target flowability category may be the sub-products marked with a high flowability category, a higher flowability category or other flowability categories.

In general, the flowability of a sub-product is expressed in terms of the rate and ease of change of the sub-product into a flowing fund, and if a sub-product can be changed at any time, the sub-product can be regarded as belonging to a high flowability category, and then we can consider the category of the sub-product as a target flowability category.

Of course, in some embodiments, the issuer may also perform the flowability classification of the sub-product based on the speed of the rendering and the change of the benefit of the sub-product caused by the rendering, for example, the flowability classification of the sub-product that may be rendered in real time and has not changed much in advance is taken as the target flowability classification, or the flowability classification of the sub-product that may be rendered in real time and has not changed more than a specific value in advance is taken as the target flowability classification, which is of course exemplary, and in other embodiments, the target flowability classification may be obtained based on the experience parameters and the flowability classification of the sub-product divided in the scheduling data, and the sub-product corresponding to the target flowability classification.

In this embodiment, the feature data of the fluidity sub-product data representing the conversion of the fluidity sub-product into the fluidity sub-product constant value data may be actually regarded as the feature data, and the mobile funds obtained by the rendering of the fluidity sub-product at the current time may be calculated, for example, the feature data in the fluidity sub-product data may include the duty ratio and the expiration time of the fluidity sub-product data, and the mobile funds obtained by the selling of the fluidity sub-product data at the current time may be calculated by the duty ratio and the expiration time of the fluidity sub-product data.

In this embodiment, the scheduling data may have one or more scheduling data, which may be determined according to the asset class of the sub-product corresponding to the product, that is, one asset class corresponds to one scheduling data, if a product only operates the sub-product of one asset class when the product performs financing, the product only has one scheduling data, and if a product operates the sub-product of a plurality of asset classes when the product performs financing, the product may be regarded as having a plurality of scheduling data.

It should be noted that the asset class of the sub-product is different from the fluidity class of the sub-product, and the asset class of the sub-product is based on the self-attribute of the sub-product or the investment and financing channel, and the fluidity class of the sub-product is based on the fluidity of the sub-product, specifically, the asset class of the sub-product can be divided into three classes, including a top-level asset, a bottom-level asset and a financing asset, wherein the top-level asset and the bottom-level asset can be regarded as investment asset together.

Specifically, the top-level assets are assets which can be purchased by the issuer and sold by the issuer, the issuer has definite top-level asset data, the bottom-level assets are assets which are invested by a third party or indirectly held by the issuer, the data of the bottom-level assets are based on the valuation table of the day-to-day of the account, and meanwhile, real-time data cannot be obtained, and only the valuation table found by the day-to-day of the latest day can be obtained.

Step S250: and carrying out the flowability pressure test of the product based on the pressure test parameters of the product, the flowability sub-product data and the product constant value data.

In this embodiment, the stress test parameter is typically the net redemption rate of the product to simulate the rate at which the product is sold by the user holding the product at the time of the test, the rate at which the product is sold corresponding to the mobile funds that the issuer needs to give to the user.

The mobile sub-product data can obtain mobile funds obtained from the sub-product corresponding to the product at the test moment, and the product fixed value data is the mobile funds obtained from the product when the product is sold.

Therefore, the flowability pressure test of the product can be performed based on the pressure test parameters of the product, the flowability sub-product data and the product constant value data, and the flowing fund quantity of the product under the pressure test parameters is obtained.

In this embodiment, the pressure test parameters corresponding to different situations may be different, for example, the pressure test parameters may be classified into mild, moderate and severe situations, and the pressure test parameters corresponding to the pressure test parameters are gradually increased, so that the product flowability pressure test result is obtained under different measurable situations.

Of course, in this embodiment, according to different types of products, different dissipation channels of products, different scales of products, the pressure test parameters corresponding to each product may also be different, and in other embodiments, the pressure test parameters of the products may also be the same.

In some embodiments, the pressure test parameter may also be divided into two parts, namely a redemption rate and a new investment rate, the redemption rate being the rate at which the user sells the product, and the new investment rate being the rate at which the user has newly purchased the product, of course, the difference between the redemption rate and the new investment rate being the net redemption rate, i.e., the resulting pressure test parameter.

Specifically, the step of testing the flowability pressure of the product may comprise:

s10: obtaining differences between product fixed value data and fixed value data of products applied to different sub-products;

s12: acquiring flowable sub-product fixed value data of the flowable sub-product which can be converted based on the flowable sub-product data;

s13: acquiring redemption data for the product based on the pressure test parameters and the product value data;

s14: the product is tested for liquidity pressure based on the difference, the liquidity sub-product set value data, and the redemption data.

The flowability pressure test result of the product can be summarized as the formula: liquidity stress test result = balance + liquidity sub-product fixed value data-redemption data.

The fixed value data of the product fixed value data applied to different sub-products is the mobile funds spent for financing based on the fixed value data of the product, namely the mobile funds spent for buying the sub-products, the difference is cash position, the redemption data is the mobile funds based on the pressure test parameters, and the mobile funds required for the user are issued.

In some embodiments, after the flowability pressure test result is obtained, adjustment of the sub-product can be further performed based on the flowability pressure test result, which specifically includes:

s20: obtaining a test result of a flowability pressure test of a product;

s21: if the test result is smaller than the preset pressure data of the product, acquiring a non-flowing sub-product based on the scheduling data, and converting the non-flowing sub-product into non-flowing sub-product constant value data; the mobile sub-products are sub-products with the mobility category being a non-target mobility category in the scheduling data.

In this embodiment, the test result is a specific monetary value, which may be regarded as a liquidity gap, and in some embodiments, the product corresponds to preset pressure data, the preset pressure data is also a specific monetary value, when the test result is smaller than the preset pressure data of the product, the risk resistance of the product at this time is proved to be better, the operation may not be performed or the investment may be properly increased, and when the test result is smaller than the preset pressure data of the product, the current liquidity fund of the product may be regarded as less, so, the non-liquidity sub-product may be obtained based on the scheduling data, and the non-liquidity sub-product may be converted into the non-liquidity sub-product fixed value data; the non-flowable sub-product set value data is the mobile funds available for the non-flowable sub-product to be rendered.

In this embodiment, a product flowability pressure test mode is provided, which screens sub-products of a target flowability category through scheduling data of a product to obtain a flowability sub-product, wherein the flowability sub-product is generally a sub-product which can be converted into a flowing fund at a test time, so that a product flowability pressure test is performed based on fixed value data of the flowability sub-product which can be obtained by the flowability sub-product to test the risk resistance of the product.

Based on the product flowability pressure testing method of fig. 2, another product flowability pressure testing method is provided in this embodiment, wherein the scheduling data includes at least one scheduling data, and different scheduling data correspond to sub-products of different asset classes; referring to fig. 3, step S230 in fig. 2 may specifically include steps S310 to S330, which are described in detail below:

Step S310: based on the at least one scheduling data, the ratio of the flowable sub-products in the sub-products of the different asset classes and the sub-product deadlines of the flowable sub-products in the sub-products of the different mobility classes are respectively obtained.

In this embodiment, according to the financing situation of the product, the scheduling data may be obtained, where the scheduling data may be determined corresponding to the asset class of the financing of the product, and as above, the asset class includes approximately 3 classes, top-level assets, bottom-level assets, and financing assets, and how much of the financing data of the asset class exists in the product, that is, there is scheduling data of the corresponding class.

The method can respectively acquire the duty ratio of the flowing sub-products and the corresponding sub-product time limit in the corresponding scheduling data aiming at different scheduling data, namely the scheduling data aiming at different asset types, so that the fixed value data of the flowing sub-products corresponding to the flowing sub-products in different scheduling data can be acquired based on the duty ratio of the flowing sub-products and the corresponding sub-product time limit of the different scheduling data, and can be used for subsequent product flowing pressure tests.

The sub-product period represents a time point when the corresponding fluidity sub-product is converted into the fluidity sub-product fixed value data, namely the expiration time of the corresponding fluidity sub-product, and the fluidity sub-product fixed value data corresponding to the fluidity sub-product can be obtained through the sub-product period and the ratio of the fluidity sub-product.

The ratio of the mobile sub-product can be regarded as the occupied share of the mobile sub-product in the corresponding scheduling data, and the value corresponding to the ratio can be expressed as the purchased scale of the mobile sub-product.

Step S330: the ratio of the flowable sub-products in the sub-products of different asset classes and the sub-product deadlines of the flowable sub-products in the sub-products of different flowability classes are taken as the flowable sub-product data.

In this embodiment, for the flowable sub-product, the term and the duty ratio of the flowable sub-product are known, so that the flowable funds of the flowable sub-product which can be found in the test time can be calculated, and thus the subsequent product flowability pressure test can be performed, so that the duty ratio of the flowable sub-product in the sub-product of different asset types and the term of the flowable sub-product in the sub-product of different flowability types are used as the flowable sub-product data, and then the product flowability pressure test can be performed through the flowable sub-product data without manual operation.

Based on the product flowability pressure testing method of fig. 3, another product flowability pressure testing method is provided in this embodiment, wherein at least one scheduling data includes first scheduling data, the first scheduling data includes data of a top-level sub-product corresponding to a top-level asset, and the flowability sub-product fixed-value data includes first fixed-value data; referring to fig. 4, step S310 in fig. 3 may specifically include steps S410 to S430, which are described in detail below:

Step S410: screening a first flowable sub-product with a flowability category as a target flowability category from the top-level sub-product based on the first scheduling data;

in this embodiment, the related data acquisition modes of the flowable sub-products in the scheduling data of different asset types are different, for example, the scheduling data corresponding to the top-level asset is an asset which is purchased by the issuer and can be sold by the issuer, that is, the data (such as the data of the flowability type, expiration time, name, etc. of the sub-product) corresponding to the top-level sub-product corresponding to the top-level asset can be clearly obtained, so that the first flowable sub-product with the flowability type being the target flowability type can be directly screened from the scheduling data, and the asset type of the first flowable sub-product is the top-level asset.

Step S430: a first duty cycle and a first deadline of the first flowable sub-product in the top-level sub-product are obtained based on the first scheduling data.

Wherein the first deadline characterizes a point in time at which the first mobility sub-product is converted into the first constant value data.

After the first fluidity sub-product is obtained, a first duty ratio of the first fluidity sub-product in the top-layer sub-product is calculated based on the first scheduling data, and a corresponding first period, wherein the first duty ratio can represent the scale of the first fluidity sub-product, the first period can represent the expiration time of the first fluidity sub-product, and therefore, the fixed value data of the first fluidity sub-product, which can be found at the test time point, of the first fluidity sub-product is calculated through the first duty ratio and the first period.

In this embodiment, the number of the first flowable sub-products may be one or more, and when the number of the first flowable sub-products is plural, each first flowable sub-product corresponds to a first duty ratio and a first period thereof, so that the fixed value data of each first flowable sub-product can be calculated through the first duty ratio and the first period of each first flowable sub-product, and the flowability pressure test of the subsequent product can be accurately and efficiently performed based on the first duty ratio and the first period, specifically, the fixed value data of all the first flowable sub-products is added, that is, the convertible fixed value data of the first flowable sub-product corresponding to the first scheduling data during the flowability pressure test.

Based on the product flowability pressure testing method of fig. 3, another product flowability pressure testing method is provided in this embodiment, where at least one scheduling data includes second scheduling data, and the second scheduling data includes data of a bottom sub-product corresponding to a bottom asset; referring to fig. 5, step S310 in fig. 3 may specifically include steps S510 to S550, which are described in detail below:

step S510: an estimate table for the first point in time is obtained based on the second schedule data.

The evaluation table comprises the bottom sub-product at the first time point and relevant data such as expiration condition, mobility category and the like of the bottom sub-product.

In this embodiment, the bottom layer asset can understand that the product issuer entrusts the third party to invest the asset, that is, the inventor only entrusts the specific amount of the third party explicitly, but cannot determine the specific data of the bottom layer sub-product, such as the name, mobility class, etc., of the bottom layer sub-product, and at this time, the correlation of the bottom layer sub-product needs to be obtained by relying on the evaluation table.

The schedule may be a list of bottom sub-products issued on a day-cut day, the day-cut day being a first time point, and the second schedule data including the schedule, the first time point in the embodiment may be regarded as the day-cut day on which the schedule was recently found, and the schedule is the latest schedule.

Step S530: the underlying asset management data after the first point in time is acquired.

In this embodiment, the evaluation table is generally issued on day-cut days, the day-cut days are generally T-1 working days, if real-time bottom asset conditions need to be calculated, transaction details after day-cut days need to be counted, specifically, related data after day-cut days cannot be obtained, where after day-cut days, new operations may be performed on bottom sub-products or new operations may be planned to be performed on bottom sub-products before the next day-cut days, for example, adding new bottom sub-products or enlarging the scale of some bottom sub-products or converting some bottom sub-products into mobile funds, etc., at this time, bottom asset management data after a first time point need to be obtained, and the bottom asset management data refers to data updated on the evaluation table after the first time point, that is, new operation data or transaction details performed on bottom assets after the day-cut days.

Step S550: updating the valuation table based on the bottom asset management data to obtain the duty ratio of the flowable sub-product in the bottom sub-product and the sub-product deadline of the flowable sub-product in the bottom sub-product based on the updated valuation table.

Therefore, the estimation table can be updated through the bottom asset management data, the obtained updated estimation table can reflect the latest or real-time related data of the bottom asset of the product, and then the duty ratio of the flowing sub-product in the bottom sub-product and the sub-product period of the flowing sub-product in the bottom sub-product can be obtained based on the updated estimation table.

In this embodiment, the flowable sub-product constant value data includes second constant value data; the step S550 may specifically include:

s30: establishing a mapping relation between the bottom sub-product of the evaluation list and the bin holding type of the bottom sub-product;

s31: acquiring bottom sub-products and bin holding data of the bottom sub-products based on the mapping relation, and respectively updating the bottom sub-products and the bin holding data of the bottom sub-products based on the bottom asset management data;

s32: and acquiring a second fluidity sub-product with the fluidity category being the target fluidity category based on the updated bottom sub-product, and acquiring a second duty ratio and a second period of the second fluidity sub-product in the updated bottom sub-product based on the bin holding data of the updated bottom sub-product.

In this embodiment, a mapping relationship between a subject of an evaluation list and a bin holding category of a bottom sub-product is established, and a mapping relationship is established between a subject code of the evaluation list and a bin holding category of each type of investment variety (each type of investment variety under bottom layer investment and can be regarded as a bottom sub-product), wherein the bin holding category mainly comprises: cost, market value, interest, valuation and increment, investment varieties mainly comprise: the method comprises the steps of obtaining the bottom sub-products and the warehouse holding data of the bottom sub-products based on the mapping relation, namely calculating the cost, market value, interest and valuation increment of each bottom sub-product at a first time point.

In this embodiment, the bottom layer asset is divided through the evaluation table and the mapping relation to obtain the bottom layer sub-product corresponding to the product and the bin holding data corresponding to the bottom layer sub-product, and then the bottom layer sub-product and the bin holding data of the bottom layer sub-product can be updated respectively based on the bottom layer asset management data, so that the most accurate related data of the bottom layer asset can be obtained, and the flowing sub-product fixed value data obtained by the variable occurrence of the bottom layer asset at the test time point can be accurately calculated to accurately perform the product flowing pressure test.

Specifically, if a new bottom sub-product is added or the original bottom sub-product is reduced in the bottom asset management data, performing corresponding operation on the bottom sub-product obtained by the estimation table and the mapping relation, and simultaneously updating the bin holding data of the updated bottom sub-product; if the bottom sub-product is not increased or reduced, but the investment scale of one bottom sub-product is increased or reduced, the corresponding update is carried out in the cost and the scale of the bin holding data of the bottom sub-product.

And then, based on the updated bottom sub-product, acquiring a second fluidity sub-product with the fluidity category being the target fluidity category, and based on the warehouse holding data of the updated bottom sub-product, acquiring a second duty ratio and a second period of the second fluidity sub-product in the updated bottom sub-product, referring to the first fluidity sub-product, and calculating to obtain the fluidity fixed value data corresponding to the second fluidity sub-product, namely the fluidity fixed value data corresponding to the second fluidity sub-product, which can be obtained when the bottom asset is tested.

Wherein the second time limit is a point in time when the second mobile child product is converted into the second constant value data.

It should be noted that, in some embodiments, the investment and financing manners corresponding to different products are different, the corresponding scheduling data are different, according to the asset types corresponding to the scheduling data, the fixed value data of the flowing sub-product corresponding to the top sub-product and/or the fixed value data of the flowing sub-product corresponding to the bottom sub-product can be calculated in the manner shown in fig. 4 and/or fig. 5, and of course, in some embodiments, the scheduling data of the financing type also exist, the financing expiration scale (that is, the fixed value data corresponding to the sub-product of the financing type) obtained by directly calculating the scheduling data of the financing type at the test time point through the existing scheme can be added to the fixed value data of the flowing sub-product as the final fixed value data of the flowing sub-product.

Of course, the test time proposed in the embodiment may be any time point, and in general, the test time is the current time or the working day of T, so that the obtained product flowability pressure test result is more representative and can reflect the compression resistance of the product in real time.

Fig. 6 is a schematic diagram of a product flowability pressure testing device according to an embodiment of the present application, and as shown in fig. 6, the product flowability pressure testing device 600 may specifically include:

A schedule data acquisition module 610 configured to acquire schedule data of a product; wherein the scheduling data includes product constant value data of the product applied to data of different sub-products;

a flowable sub-product data acquisition module 630 configured to acquire flowable sub-product data based on the scheduling data of the product; the mobile sub-product data represents characteristic data of the mobile sub-product converted into fixed value data of the mobile sub-product, and the mobile sub-product is a sub-product with a mobile type being a target mobile type in the scheduling data;

the testing module 650 is configured to perform a flowability pressure test of the product based on the pressure testing parameters of the product, the flowability sub-product data, and the product set value data.

In one implementation, the schedule data includes at least one schedule data, different schedule data corresponding to sub-products of different asset classes; the flowable sub-product data acquisition module comprises:

a sub-product data acquisition unit configured to acquire a ratio of the flowable sub-products in the sub-products of the different asset classes and a sub-product period of the flowable sub-products in the sub-products of the different fluidity classes, respectively, based on at least one scheduling data; wherein the sub-product deadlines characterize the time points at which the corresponding flowable sub-products are converted into the flowable sub-product constant value data;

And the mobile sub-product data acquisition unit is configured to take the ratio of mobile sub-products in the sub-products of different asset classes and the sub-product period of the mobile sub-products in the sub-products of different mobile classes as mobile sub-product data.

In one implementation, the at least one scheduling data includes first scheduling data, the first scheduling data includes top-level sub-product data corresponding to the top-level asset, and the flowable sub-product fixed value data includes first fixed value data; the sub-product data acquisition unit includes:

a first sub-product acquisition block configured to screen a top-level sub-product for a first flowable sub-product having a flowability category that is a target flowability category based on first scheduling data;

a first sub-product data acquisition block configured to acquire a first duty cycle and a first deadline of a first flowable sub-product in a top-level sub-product based on first scheduling data; wherein the first deadline characterizes a point in time at which the first mobility sub-product is converted into the first constant value data.

In one implementation, the at least one scheduling data includes second scheduling data including data of an underlying sub-product to which the underlying asset corresponds; the sub-product data acquisition unit includes:

An estimation table acquisition block configured to acquire an estimation table at a first time point based on the second scheduling data; wherein the estimate table comprises an underlying sub-product at a first point in time;

a management data acquisition block configured to acquire underlying asset management data after a first point in time; wherein the underlying asset management data table is directed to data that updates the valuation table after the first point in time;

and the sub-product data acquisition plate is configured to update the estimation table based on the bottom asset management data so as to acquire the ratio of the flowing sub-products in the bottom sub-products and the sub-product period of the flowing sub-products in the bottom sub-products based on the updated estimation table.

In one implementation, the flowable sub-product constant data comprises second constant data; sub-product data acquisition, comprising:

mapping the sub-layout block, wherein the mapping relation between the bottom sub-product of the evaluation list and the bin holding type of the bottom sub-product is established;

the data updating sub-block is configured to acquire the bottom sub-product and the bin holding data of the bottom sub-product based on the mapping relation, and update the bottom sub-product and the bin holding data of the bottom sub-product based on the bottom asset management data respectively;

The second sub-product data acquisition sub-block is configured to acquire a second mobility sub-product with a mobility category being a target mobility category based on the updated bottom sub-product, and acquire a second duty ratio and a second period of the second mobility sub-product in the updated bottom sub-product based on the updated bottom sub-product holding data; wherein the second time limit is a point in time when the second mobile child product is converted into the second constant value data.

In one implementation, a test module includes:

a difference acquisition unit configured to acquire a difference between the product fixed value data and fixed value data of the product fixed value data applied to different sub-products;

a fixed value data acquisition unit configured to acquire, based on the flowable sub-product data, flowable sub-product fixed value data with which the flowable sub-product is convertible;

a redemption data acquisition unit configured to acquire redemption data of the product based on the stress test parameter and the fixed value data;

and a testing unit configured to conduct a liquidity pressure test of the product based on the difference, the liquidity sub-product fixed value data, and the redemption data.

In one implementation, the product flowability pressure testing device further comprises:

The test result acquisition module is configured to acquire a test result of the flowability pressure test of the product;

the application module is configured to acquire the non-flowing sub-product based on the scheduling data and convert the non-flowing sub-product into non-flowing sub-product constant value data if the test result is smaller than the pressure data preset by the product; the mobile sub-products are sub-products with the mobility category being a non-target mobility category in the scheduling data.

The product flowability pressure testing device provided in this embodiment may be used to execute the product flowability pressure testing method, and its implementation principle and technical effects are similar, and this embodiment will not be repeated here.

Fig. 7 is a block diagram of an electronic device, see fig. 7, 700, according to an example embodiment, may include: a processor 71 and a memory 72, wherein the processor 71 and the memory 72 may communicate; illustratively, the processor 71 and the memory 72 are in communication via a communication bus 73, the memory 72 being for storing program instructions, the processor 71 being for invoking the program instructions in the memory to perform the product flowability pressure testing method as shown in any of the method embodiments described above.

The processor may be a central processing unit (Central Processing Unit, CPU), or may be other general purpose processors, digital signal processors (Digital Signal Processor, DSP), application specific integrated circuits (Application Specific Integrated Circuit, ASIC), or the like. A general purpose processor may be a microprocessor or the processor may be any conventional processor or the like. The steps of a method disclosed in connection with the present application may be embodied directly in a hardware processor or in a combination of hardware and software modules within a processor.

The application provides a computer-readable storage medium having stored thereon computer-executable instructions; the computer-executable instructions, when executed by the processor, are for implementing the product flowability pressure testing method of any of the embodiments described above.

Embodiments of the present application provide a computer program product comprising instructions that, when executed, cause a computer to perform the above-described product flowability pressure testing method.

Other embodiments of the present application will be apparent to those skilled in the art from consideration of the specification and practice of the invention disclosed herein. This application is intended to cover any variations, uses, or adaptations of the application following, in general, the principles of the application and including such departures from the present disclosure as come within known or customary practice within the art to which the application pertains. It is intended that the specification and examples be considered as exemplary only, with a true scope and spirit of the application being indicated by the following claims.

It is to be understood that the present application is not limited to the precise arrangements and instrumentalities shown in the drawings, which have been described above, and that various modifications and changes may be effected without departing from the scope thereof. The scope of the application is limited only by the appended claims.

Claims (11)

1. A method for testing flowability and pressure of a product, comprising:

acquiring scheduling data of a product; wherein the scheduling data comprises data of product constant value data of the product applied to different sub-products;

acquiring flowable sub-product data based on the scheduling data of the product; the mobile sub-product data represent characteristic data of mobile sub-products converted into fixed value data of the mobile sub-products, wherein the mobile sub-products are sub-products with the mobile categories being target mobile categories in the scheduling data;

and carrying out the flowability pressure test of the product based on the pressure test parameters of the product, the flowability sub-product data and the product constant value data.

2. The method of claim 1, wherein the scheduling data includes at least one scheduling data, different scheduling data corresponding to sub-products of different asset classes; the obtaining the mobile sub-product data based on the scheduling data of the product comprises the following steps:

based on the at least one scheduling data, respectively acquiring the duty ratio of the flowing sub-products in the sub-products of different asset classes and the sub-product period of the flowing sub-products in the sub-products of different flow classes; wherein the sub-product deadlines characterize a point in time at which a corresponding flowable sub-product is converted into flowable sub-product fixed value data;

The ratio of the flowable sub-products in the sub-products of different asset classes and the sub-product deadlines of the flowable sub-products in the sub-products of different flowability classes are taken as the flowable sub-product data.

3. The method of claim 2, wherein the at least one schedule data comprises first schedule data comprising data for a top-level sub-product corresponding to a top-level asset, the flowable sub-product setpoint data comprising first setpoint data;

the step of respectively acquiring the ratio of the flowing sub-products in the sub-products of different asset classes and the sub-product period of the flowing sub-products in the sub-products of different flow classes based on the at least one scheduling data comprises the following steps:

screening a first flowable sub-product with a flowability category being a target flowability category from the top-level sub-product based on the first scheduling data;

acquiring a first duty cycle and a first period of the first flow sub-product in the top-level sub-product based on the first scheduling data; wherein the first deadline characterizes a point in time at which the first flow sub-product is converted to first value data.

4. The method of claim 2, wherein the at least one scheduling data comprises second scheduling data comprising data of an underlying sub-product to which the underlying asset corresponds;

The step of respectively acquiring the ratio of the flowing sub-products in the sub-products of different asset classes and the sub-product period of the flowing sub-products in the sub-products of different flow classes based on the at least one scheduling data comprises the following steps:

acquiring an estimation table of a first time point based on the second scheduling data; wherein the estimation list comprises underlying sub-products at the first point in time;

acquiring underlying asset management data after the first point in time; wherein the underlying asset management data table is for data that updates the valuation table after the first point in time;

and updating the estimation table based on the bottom asset management data to obtain the duty ratio of the flowing sub-product in the bottom sub-product and the sub-product period of the flowing sub-product in the bottom sub-product based on the updated estimation table.

5. The method of claim 4, wherein the flowable sub-product constant data comprises second constant data;

the updating of the valuation table based on the bottom asset management data to obtain the ratio of the flowable sub-product in the bottom sub-product and the sub-product period of the flowable sub-product in the bottom sub-product based on the updated valuation table includes:

Establishing a mapping relation between a bottom sub-product of the evaluation list and a bin holding type of the bottom sub-product;

acquiring the bottom sub-product and the bin holding data of the bottom sub-product based on the mapping relation, and respectively updating the bottom sub-product and the bin holding data of the bottom sub-product based on the bottom asset management data;

acquiring a second fluidity sub-product with the fluidity category being a target fluidity category based on the updated bottom sub-product, and acquiring a second duty ratio and a second period of the second fluidity sub-product in the updated bottom sub-product based on the bin holding data of the updated bottom sub-product; wherein the second deadline is a point in time when the second mobile child product is converted into second constant value data.

6. The method of claim 1, wherein the performing the flowability pressure test of the product based on the pressure test parameters of the product, the flowability sub-product data, and the product setpoint data comprises:

obtaining differences between the product fixed value data and fixed value data of different sub-products to which the product fixed value data is applied;

Acquiring the convertible mobile sub-product fixed value data of the mobile sub-product based on the mobile sub-product data;

acquiring redemption data for the product based on the stress test parameters and the fixed value data;

a liquidity pressure test of the product is performed based on the difference, the liquidity sub-product setpoint data, and the redemption data.

7. The method of any one of claims 1-6, wherein after said testing of said product for flowability pressure based on said product's pressure testing parameters, said flowability sub-product data, and said product setpoint data, said method further comprises:

obtaining a test result of the flowability pressure test of the product;

if the test result is smaller than the preset pressure data of the product, acquiring a non-flowing sub-product based on the scheduling data, and converting the non-flowing sub-product into non-flowing sub-product fixed value data; the mobile sub-product is a sub-product of which the mobility category in the scheduling data is a non-target mobility category.

8. A product flowability pressure testing device, characterized by comprising:

The scheduling data acquisition module is configured to acquire scheduling data of the product; wherein the scheduling data comprises data of product constant value data of the product applied to different sub-products;

a flowable sub-product data acquisition module configured to acquire flowable sub-product data based on the scheduling data of the product; the mobile sub-product data represent characteristic data of mobile sub-products converted into fixed value data of the mobile sub-products, wherein the mobile sub-products are sub-products with the mobile categories being target mobile categories in the scheduling data;

and the testing module is configured to perform the flowability pressure test of the product based on the pressure testing parameter of the product, the flowability sub-product data and the product constant value data.

9. An electronic device, the electronic device comprising: a processor, a memory; the memory is used for storing instructions; the processor is configured to execute instructions in the memory to cause the electronic device to perform the product flowability pressure testing method according to any of claims 1-7.

10. A computer readable storage medium having stored therein computer executable instructions which when executed by a processor are for implementing the product flowability pressure testing method according to any of claims 1 to 7.

11. A computer program product comprising a computer program which, when executed by a processor, implements the product flowability pressure testing method according to any of claims 1 to 7.