TWM572012U - Deposit interest rate bargaining system - Google Patents

Abstract

A deposit interest rate bargaining system includes: a network module that obtains an interbank interest rate through the Internet. The storage module obtains internal parameters, internal weights, external parameters, external weights, and historical amplitudes according to the customer's identification code, wherein the internal parameters are related to the customer's contribution to the bank and the bank's capital status, and the external parameters are associated with another bank. Public information. The calculation module generates the current amplitude modulation based on the sum of the product of the internal parameters and the internal weight and the product of the external parameters and the external weights, and the calculation module calculates the variation ratio according to the current amplitude modulation and historical amplitude modulation. The decision module selectively outputs the deposit interest rate based on the change rate and the interbank interest rate.

Description

Deposit interest rate bargaining system

This creation is about the field of information processing technology, especially a system and method for bargaining interest rate adjustment.

When a quality customer comes to the bank to apply for a time deposit and asks for a better interest rate than the bank deposit card, the contact person will provide the customer's preferential deposit interest rate based on the financial business contribution of the customer in the past. Due to the wide variety of financial services such as foreign exchange business, financial products, credit cards, credit and deposits, in order to provide appropriate preferential deposit rates, the contact person needs to obtain the annual or monthly contribution of the customer. The above information often needs to find relevant values in each business system, and then summarize them. Finally, based on the overall contribution of the customer and the customer characteristics, the appropriate preferential deposit rate will be given.

However, in the above process, the relevant personnel who decide the deposit interest rate must have a full understanding of the customer's contribution and the frequency of the exchange, in order to quickly provide the deposit interest rate of the customer with market competitiveness and taking into account the bank's profit. However, for newcomers to the bank, often because they are not familiar with the characteristics of the customer, they need to go to the bank's financial business systems to find the relevant values, so that they can't immediately provide customer service. On the other hand, the above process did not consider similar information from other peers in the financial market, so that the deposit interest rates offered were not competitive in the market or could not balance bank profits. For capital cost managers, this phenomenon will result in the inability to effectively control deposit spreads and funding positions.

In view of this, this creation proposes a deposit interest rate bargaining system and its method to solve the shortcomings of the traditional practice of labor costs, and enables newcomers to obtain accurate information on deposit interest rates to serve customers immediately and reduce the difficulty of fast operation. At the same time, it can also enable the capital cost manager to effectively control the deposit spread and the fund position.

According to one embodiment of the present invention, a deposit rate bargaining method includes: obtaining an identification code (ID) of a customer; and obtaining internal parameters, internal weights, external parameters, external weights, and Historical modulating, where internal parameters are associated with the contribution of one of the customers in a bank and the financial status of one of the banks, the internal weight is associated with the frequency of the customer's transaction at a bank and the total transaction amount at a bank, external parameters are associated with The public information of the other bank and the market change estimate, the external weight is related to the peer data reference; the computing module generates a current amplitude modulation based on the sum of the product of the internal parameter and the internal weight and the product of the external parameter and the external weight; A change ratio is calculated based on the current amplitude adjustment and historical amplitude adjustment; the network module obtains an interbank interest rate; and the decision module selectively outputs an appropriate preferential deposit interest rate based on the change ratio and the interbank interest rate.

According to one embodiment of the present invention, a deposit rate bargaining system includes: a network module, a storage module, a computing module, and a decision module. The network module obtains an interbank interest rate through the Internet. The storage module communication connects the network module and obtains internal parameters, internal weights, external parameters, external weights and historical amplitude modulation according to the ID of the customer, wherein the internal parameters are associated with one of the contributions of the customer in one bank and one of the funds of the bank. The status, the internal weight is related to the frequency of the customer's transaction at a bank and the total transaction amount at a bank. The external parameters are related to the public information and market change estimates of another bank, and the external weights are related to the peer data reference. The computing module communicates with the storage module and the network module and generates a current amplitude modulation based on the sum of the product of the internal parameter and the internal weight and the product of the external parameter and the external weight. The computing module calculates the current amplitude and historical amplitude according to the current amplitude modulation and historical amplitude modulation. Rate of change. The decision module communication connection computing module is used to selectively output an appropriate preferential deposit interest rate according to the change ratio and the interbank release rate.

Through the above structure, the deposit interest rate bargaining system and method disclosed in the present invention output an appropriate preferential deposit interest rate after comprehensive internal and external parameters, weights and historical records are considered, wherein the customer transaction performance is numerically contributed to the contribution degree. Then, according to the contribution degree, the code reduction range is determined, and the mechanism for preventing the code reduction range from reaching the internal control threshold is further provided. In practice, the above process can be reached quickly, without excessive human involvement in the process. For those who use the deposit rate bargaining system and its methods disclosed in this creation for the first time, it is easy to reach the goal of promptly informing customers of the appropriate preferential deposit rate, thus increasing customer satisfaction. For the capital cost manager, the deposit interest rate bargaining system and its method disclosed in this creation can effectively control the deposit spread and the fund position.

The above description of the disclosure and the following description of the embodiments are intended to illustrate and explain the spirit and principles of the present invention, and to provide further explanation of the scope of the patent application of the present invention.

The detailed features and advantages of the present invention are described in detail below in the embodiments, which are sufficient to enable any skilled artisan to understand the technical contents of the present invention and implement it according to the contents, the scope of the patent application and the drawings. Anyone familiar with the relevant art can easily understand the purpose and advantages of this creation. The following examples are intended to further illustrate the scope of this creation, but do not limit the scope of the creation in any way.

Please refer to FIG. 1 , which is a structural diagram of a deposit rate bargaining adjustment system according to an embodiment of the present invention. The deposit rate bargaining system described in one embodiment of the present invention includes: a network module 1, a storage module 3, a computing module 5, and a decision module 7. As shown in FIG. 1 , the network module 1 is connected to the storage module 3 , and the computing module 5 is connected to the storage module 3 and the decision module 7 . The following sections describe the data collected or processed by each module and how it is applied.

The network module 1 obtains an Interbank Offered Rate through the network. In practice, the interbank offered rate is, for example, the Taipei Foreign Exchange Trading Center's US dollar overnight rate (TAIFX3) or the London Interbank Offered Rate (LIBOR). The interbank interest rate is used as the benchmark reference for the bargain adjustment of deposit rates. In practice, the network module 1 updates the interbank interest rate every other cycle, and stores the values obtained in the past in the storage module 3; wherein the period is, for example, "day", The length of the acquisition cycle is not particularly limited.

The storage module 3 obtains internal parameters, internal weights, external parameters, external weights, and historical amplitude modulation according to the customer's identification code (Identifier, which will be referred to as an ID when the identification code is described later). The customer ID is, for example, a customer's personal ID number, a bank account number, or a company uniform number. The internal parameters are related to the contribution of the customer to this bank and the financial status of the bank. The internal weight is related to the frequency of the customer's transaction at a bank and the total transaction amount at a bank. The external parameters are related to the public information of another bank. And market changes, external weights are related to peer data reference. The meaning of each parameter and the actual representation of each weight will be explained item by item below.

In detail, the internal parameters include a first internal parameter and a second internal parameter. The storage module 3 first obtains the weighted contribution degree of the customer according to the customer ID, and then searches the first subtraction code comparison table (Table 1 below) according to the weighted contribution degree to obtain the first code reduction range as the first internal parameter. .

Table 1: Comparison of the first code reduction range  <TABLE border="1" borderColor="#000000" width="85%"><TBODY><tr><td> Weighted Contribution</td><td> First Subtraction Range</td><td > Level</td></tr><tr><td> More than 5 million</td><td> 0.05% </td><td> A, etc.</td></tr><tr><td > 1 million~5 million</td><td> 0.075% </td><td> B et al.</td></tr><tr><td> 500,000~1 million</td><td> 0.10 % </td><td> C, etc.</td></tr><tr><td> 100,000~500,000</td><td> 0.15% </td><td> D, etc. Td></tr><tr><td> less than 100,000</td><td> 0.20 % </td><td> E, etc.</td></tr></TBODY></TABLE>

In practice, the customer's weighted contribution is based on foreign exchange business, financial products, credit card, wealth management, cash card, NTD credit, and NTD deposit, etc., to calculate the net income from the use of funds for each business, net income from non-fund use. Data such as cost sharing and accrual of capital cost, and the customer contribution is calculated by weight adjustment. For example, the following formula can be used:

Weighted contribution = net interest on loan interest *α + handling fee and deposit income *β

For example, if a customer's record in the storage module 3 is: NT$2,169,438, NT$1,688, and the weight α is 4/7, the weight β is 2; After rounding off, the weighted contribution of the customer is 2169438*4/7+1688*2=1243055 yuan, which is in accordance with the range of weighted contribution of 1 million to 5 million in Table 1. The corresponding level is B, etc. An internal parameter is 0.075%.

The above examples are merely one implementation and are not intended to limit the implementation of the present invention to obtain the first subtraction amplitude. Another embodiment obtains the first subtraction amplitude by, for example, a fuzzy operation. In detail, according to the weighted contribution degree corresponding to the customer ID and the boundary range of each weighted contribution level, a Triangular-shaped membership function can be formulated as follows:

If MA≥MK≥MB, then μA(MK)=(MK-MB)/(MA-MB); otherwise, if MK≥MA, then μA(MK)=1; otherwise μA(MK)=0.

If MA≥MK≥MB, then μB(MK)=(MK-MB)/(MA-MB); otherwise, if MB≥MK≥MC, then μB(MK)=(MK-MC)/(MB-MC) ; otherwise μB(MK)=0.

If MB≥MK≥MC, μC(MK)=(MB-MK)/(MB-MC); otherwise, if MC≥MK, then μC(MK)=1; otherwise μC(MK)=0.

Among them, μ _A , μ _{B ,} and μ _C are each a membership function corresponding to A, B, and the like. M _A , M _{B ,} and M _C correspond to the boundary values of the three weighted contribution levels of A, B, etc., and C, and the numerical values thereof can be set, for example, to M _A of 5 million, M _B of 1 million, and M _{C .} It is 500,000. M _K is the weighted contribution calculated based on the customer ID.

The fuzzy judgment rules of the membership function specified above and the contribution level are as follows:

If μ _A (M _K )>μ _B (M _K ) and μ _A (M _K )>μ _C (M _K ), or μ _A (M _K )=μ _B (Fc) and μ _C (M _K )= 0 is rated as A, etc.

If μ _B (M _K )>μ _A (M _K ) and μ _B (M _K )>μ _C (M _K ), or μ _B (M _K )=μ _C (M _K ) and μ _A (M _K ) =0 is rated as B and so on.

If μ _C (M _K )>μ _A (M _K ) and μ _C (M _K )>μ _B (M _K ), it is evaluated as C or the like.

As described above, in the other embodiment, the manner of the fuzzy operation obtains a level corresponding to the weighted contribution degree according to the customer ID, and then obtains the first code-reduction amplitude of the pair as the first internal parameter. The second and third subtraction amplitudes, the first and second internal weights, and the external parameters, which will be described later, can be obtained by a fuzzy operation similar to the present embodiment, so that the membership function will not be repeatedly described later. And judgment rules. When the customer's weighted contribution is close to the level boundary value, the level evaluated according to the present embodiment can be more flexible, so that the interest rate value finally provided to the customer is more satisfactory to the customer.

It can be seen from the above that the storage module 3 queries the corresponding first internal parameter according to the hierarchical evaluation of the weighted contribution degree. In practice, each bank has its own operational information system, which can check the amount of a single customer in each business (foreign exchange, financial products, credit card, wealth management, credit, etc.) during the specified period. Therefore, it is possible to easily introduce the method of classifying the customer level according to the level of the weighted contribution amount mentioned in the deposit interest rate bargaining system of the present embodiment, and to quantify the performance of each customer in the bank transaction as the contribution degree, and further The magnitude of the subtraction is determined according to the weighted contribution amount. In the subsequent adjustment of the code reduction range of each level of customers, the fund manager can easily set the code reduction range according to the customer level, and the parameter adjustment of the deposit interest rate is therefore more convenient.

Please refer to Table 2 below, which is the second subtraction range comparison table. In practice, when the bank conducts the deposit interest rate assessment, in addition to considering the contribution of customers to the Bank, it also needs to consider the Bank's funding status. The Bank's funding status is based on the level of funds at the time of the bank to distinguish between ample, ample, acceptable, slightly tight and tight. Therefore, the storage module 3 searches the second subtraction code comparison table according to the fund status of the bank to obtain the second subtraction amplitude as the second internal parameter.

Table 2: Comparison table of the second code reduction range  <TABLE border="1" borderColor="#000000" width="85%"><TBODY><tr><td> Fund Status of the Bank</td><td> Second Subtraction Range</td>< Td> level</td></tr><tr><td> more than 500 million</td><td> 0.20% </td><td> ample</td></tr><tr><td > 100 million to 500 million </td><td> 0.15% </td><td> Shang Kuanyu</td></tr><tr><td> 50 million to 100 million </td><td> 0.10% </td><td> 尚可</td></tr><tr><td> 10 million to 50 million </td><td> 0.075% </td><td> Slightly tight </ Td></tr><tr><td> less than 10 million</td><td> 0.05% </td><td> tightly</td></tr></TBODY></TABLE>

It should be added that the fuzzy operation mechanism used in obtaining the first internal parameters can also be used for this purpose, so as to be more flexible in evaluating the fund status of the bank, and it is not necessary to be completely limited by the setting of the boundary value of the capital situation. In short, the parameters of M _A , M _B and M _C in the aforementioned membership functions can respectively correspond to the boundary value of the financial status of three levels in Table 2 (for example, M _A is 500 million and M _B is 100 million, M _C is 50 million), and M _K corresponds to the present value of the Bank's funds. The setting of the membership function and the judgment rule can be adaptively modified by referring to the foregoing example.

In detail, the internal weights include the first internal weight and the second internal weight. The first internal weight is, for example, differentiated according to the number of times the customer conducts transactions, such as dense, frequent, general and less. Please refer to Tables 3 and 4 below. Table 3 is a comparison table of the first internal weights. Table 4 is a comparison table between the total transaction amount and the second internal weight. In practice, after specifying a query period (for example, the past 3 months), the storage module 3 finds the frequency of the customer's contact within the specified query period according to the customer ID, and searches for the first weight comparison table to obtain The first internal weight, and the second weight comparison table is searched according to the total transaction amount of the bank in the query period to obtain the second internal weight.

Table 3: First internal weight comparison table  <TABLE border="1" borderColor="#000000" width="85%"><TBODY><tr><td> Frequency of exchange</td><td> First internal weight</td><td> </td></tr><tr><td> 15 or more</td><td> 85% </td><td> dense</td></tr><tr><td> 10~ 14 strokes</td><td> 90% </td><td> Frequently</td></tr><tr><td> 5~9 pens</td><td> 95% </td> <td> General</td></tr><tr><td> 1~4 pens</td><td> 100% </td><td> Less</td></tr></ TBODY></TABLE>

Table 4: Second internal weight comparison table  <TABLE border="1" borderColor="#000000" width="85%"><TBODY><tr><td> Total Transaction Amount</td><td> Second Internal Weight</td></tr ><tr><td> More than 5 million</td><td> 90% </td></tr><tr><td> 2 million to 5 million</td><td> 95% </td ></tr><tr><td> 1 million~2 million</td><td> 100% </td></tr><tr><td> 500,000~1 million</td><td > 105% </td></tr><tr><td> less than 500,000</td><td> 110% </td></tr></TBODY></TABLE>

The aforementioned first and second internal parameters and the first and second internal weights summarize the factors within the bank that affect the adjustment of the deposit interest rate. As for external parameters and external weights, factors outside the bank are taken into account. For example, the external parameter is related to the public information of another bank, such as the US Federal Reserve or other commercial bank, and the public information is, for example, the historical US Federal Reserve's interest rate and the bank's peers. Project preferential deposit interest rate.

Please refer to Table 5 below, which is the third subtraction range comparison table. In practice, the storage module 3 can obtain the predicted value of future market trends from the internal operation system of the bank through the network module 1, for example, based on the market trend in the past six months and the market trend in the past three years. The estimated range of interest rate. The storage module 3 searches according to the numerical interval to the third subtraction amplitude comparison table to which the estimated lifting interest belongs to obtain the third subtraction amplitude as an external parameter.

Table 5: The third reduction range comparison table  <TABLE border="1" borderColor="#000000" width="85%"><TBODY><tr><td> Estimated Lifting Rate</td><td> Third Subtraction Range</td>< /tr><tr><td> Rate hike 1 yard</td><td> 0.05% </td></tr><tr><td> Rate hike 0.5 yards</td><td> 0.125% < /td></tr><tr><td> Cut interest rate 0.5 yards</td><td> 0.375% </td></tr><tr><td> Cut interest rate 1 yard</td><td> 0.50 % </td></tr></TBODY></TABLE>

Please refer to Table 6 below, which is an external weight comparison table. In practice, in addition to obtaining the interbank interest rate through the Internet, the network module 1 can regularly collect the preferential deposit interest rates of each project from the public information provided by the banks in the network, and then record these reference information in the storage. In module 3. The computing module 5 calculates the average of the rate of change of interest rates given by the banks to the customer this month and last month. The storage module 3 can find the external weight comparison table according to the average value of the interbank interest rate change rate calculated by the computing module 5 to obtain the external weight.

Table 6: External weight comparison table  <TABLE border="1" borderColor="#000000" width="85%"><TBODY><tr><td> Interbank Rate Change Rate</td><td> External Weight</td></tr> <tr><td> 75%~100% </td><td> 100% </td></tr><tr><td> 50%~75% </td><td> 75% </ Td></tr><tr><td> 0.25%~50% </td><td> 50% </td></tr><tr><td> 0%~25% </td>< Td> 25% </td></tr></TBODY></TABLE>

As described above, the deposit interest rate bargaining system described in the first embodiment of the present invention, because of the addition of external parameters and external weights as factors for evaluating the deposit interest rate, can thus make the deposit interest rate calculated based on internal and external parameters and internal and external weights. More market competitive and able to balance bank profits.

The computing module 5 calculates the row amplitude modulation according to the two internal parameters, the two internal weights, the external parameters, and the external weights. In practice, for example, take the following formula:

Z = (X1 × A1 + X2 × A2) + Y × B

Where Z represents the current amplitude modulation, X1 represents the first internal parameter, A1 represents the first internal weight, X2 represents the second internal parameter, A2 represents the second internal weight, Y represents the external parameter, and B represents the external weight.

The computing module 5 then calculates the rate of change based on the current amplitude modulation and the historical amplitude modulation obtained from the storage module 3. Historical amplitude adjustment refers to the difference between the deposit rate that the customer has obtained in the past in comparison with the current interbank interest rate. For example, historical amplitude modulation can use the following formula:

Z’ = TAIFX3’ − R’

Among them, Z’ represents historical amplitude modulation, TAIFX3’ represents the current interbank interest rate, and R’ represents the deposit interest rate at that time.

In another embodiment, the historical amplitude modulation can also follow the calculation formula of the current amplitude modulation, as follows:

Z' = X1' × A1' + X2' × A2' + Y' × B'

Wherein X1', X2', A1', A2', Y' and B' represent the first and second internal variables, the first and second internal weights, the external variables of the previous specified period recorded in the storage module 3, and External weights.

The operation module 5 is further configured to calculate the variation ratio of the second amplitude modulation according to the current amplitude modulation and the historical amplitude modulation, as shown by the following formula:

R = (Z − Z’) / Z’

Where R represents the rate of change.

The decision module 7 selectively outputs an appropriate preferential deposit interest rate based on the change ratio and the interbank interest rate. In practice, the decision module 7 pre-sets an internal control change threshold R ₀ . If the calculation ratio calculated by the operation module 5 does not reach the internal control change threshold, that is, R < R ₀ , the deposit interest rate L output by the decision module 7 will be Use the following formula:

L = TAIFX3 – Z − C

Among them, L stands for deposit interest rate, TAIFX3 stands for interbank interest rate, and C stands for modified AM, which is set to correct excessive deposit interest rates.

Conversely, if the change rate exceeds the internal control change threshold, ie R≧R ₀ , then the decision module 7 uses the difference between the interbank interest rate and the current AM to output the deposit interest rate L, as shown in the following formula:

L = TAIFX3 − Z

In addition, it should be added that the above-mentioned internal control change threshold R ₀ and modified amplitude modulation C can be changed by the dynamic adjustment mechanism in addition to the appropriate fixed value preset by the bank's senior management, so as to be closer to the customer's needs and peers. The trend of interest rate changes. For example, the history record in the storage module 3 can be divided into two parts, one part as training data and the other part as test data. Multiple historical input parameters (such as Z', X1', X2', A1', A2', Y', and B') in the training paradigm can be used as neural networks (for example, reverse neural network (Back) The input layer of the Propagation Network (BPN)), and the output layer is the historical variation threshold R ₀ 'and the historical modified amplitude modulation C'; wherein the hyperbolic function is used as a conversion function between the hidden layer and the output layer. The weighted values of the neural network connections are corrected by training the multiple historical records of the examples and their corresponding historical change thresholds and historical modified amplitude modulations, and then verifying whether the degree of error of the trained neural network is converged through test data. Therefore, the trained neural network can output the dynamically adjusted variation threshold R ₀ and the modified amplitude modulation C. Through the above mechanism, it is possible to avoid the problem that the change threshold of the past fixed setting and the revised amplitude modulation cannot be updated in real time due to the change of the overall economic environment. At the same time, the dynamic adjustment of the threshold and the modified amplitude can be more adapted to the current interest rate adjustment trend. In practice, when the decision module 7 determines that the change rate exceeds the change threshold, it can automatically send a message to notify the relevant supervisor to check, thereby avoiding the operator who is unfamiliar with the deposit rate bargaining system described in the embodiment of the present invention. Mistakes give customers an inappropriate deposit rate.

Please refer to FIG. 2 , which is a flow chart of a deposit rate bargaining method according to an embodiment of the present invention.

Please refer to step S1: Obtain the interbank interest rate. Specifically, the network module 1 in the deposit rate bargaining system described in the first embodiment of the present invention obtains the current TAIFX3 or LIBOR raw value and stores it in the storage module 3.

Please refer to step S2: Get the ID of the customer. Specifically, at least one identifiable customer information is received, such as a company uniform number, a bank account number, or an identity card number.

Please refer to step S3: obtaining internal parameters, internal weights, external parameters, external weights, and historical amplitude modulation from the storage module 3. In detail, this step S3 performs an inquiry according to the customer ID obtained in step S2 to the storage module 3. Among them, the internal parameters are related to the customer's weighted contribution and the Bank's capital status. The internal weight is related to the customer's transaction frequency and the total transaction amount of the bank. The external parameters are related to the public information of another bank and the market change estimate. The external weight is related to Industry reference data.

Please refer to step S4: Calculate the current amplitude modulation. Specifically, the computing module 5 calculates a current amplitude modulation based on internal and external parameters and internal and external weights obtained from the storage module 3.

Please refer to step S5: Calculate the change ratio based on current AM and historical AM. In detail, historical amplitude modulation is also calculated by the computing module. The calculation method of historical amplitude modulation can be extended by the current calculation formula of the amplitude modulation, or by using the actual deposit interest rate recorded in the storage module 3 and the current interbank interest rate, the deposit interest rate described in one embodiment of the present creation. The adjustment method does not limit this.

Please refer to step S6: to determine whether the change ratio has not reached the internal control change threshold. In detail, the decision module 7 compares the variation ratio obtained in step S5 with the aforementioned internal control variation threshold. If the change ratio value is less than the internal control change threshold value, the process goes to step S7; otherwise, the process goes to step S8.

Please refer to step S7: When the change ratio does not reach the internal control change threshold, the difference between the current interim release rate and the current adjusted offset is used as the deposit interest rate.

Please refer to step S8: When the change ratio exceeds the internal control change threshold, the difference between the current interbank rate and the current adjustment rate is used as the deposit interest rate output.

In summary, the present application proposes a deposit interest rate bargaining system and a method thereof, wherein the deposit rate bargaining system can provide a banking practitioner to log in through a terminal device and use the ID provided by the client to make an inquiry. The system can automatically consider the contribution of the customer in the banking business, and provide information on the past transactions, weighted contribution, and interest rate of the bank practitioners, so that the bank practitioners can negotiate the deposit interest rate. Therefore, it can reduce the trouble that the bank practitioners cannot work quickly because they are not familiar with the characteristics of the customer. In addition, the capital cost manager can also effectively control the deposit spread and the fund location through the deposit interest rate bargaining method disclosed in this creation.

Although the foregoing embodiments of the present invention are disclosed above, they are not intended to limit the present invention. The changes and refinements that are made without departing from the spirit and scope of this creation are within the scope of patent protection of this creation. Please refer to the attached patent application scope for the scope of protection defined by this creation.

1‧‧‧Network Module

3‧‧‧ storage module

5‧‧‧ Computing Module

7‧‧‧Decision module

S1-S8‧‧‧ steps

FIG. 1 is a structural diagram of a deposit rate bargaining adjustment system according to an embodiment of the present invention. FIG. 2 is a flow chart of a deposit rate bargaining method according to an embodiment of the present invention.

Claims (4)

A deposit rate bargaining adjustment system includes: a network module for obtaining an interbank interest rate through a network; a storage module, a communication connection to the network module and used to obtain an identifier based on a customer An internal parameter, an internal weight, an external parameter, an external weight, and a historical amplitude, wherein the internal parameter is associated with a contribution of the customer to a bank and a fund status of the bank, the internal weight is associated with the customer The frequency of a bank's transaction and the total transaction amount of a bank. The external parameter is associated with one of the other banks' public information and market change estimates. The external weight is associated with the peer data reference; a computing module is connected to the storage module. And the network module is configured to generate a current amplitude modulation based on a product of the internal parameter and the internal weight and a sum of the external parameter and another product of the external weight, the operation module is further based on the current amplitude modulation and The historical amplitude modulation calculates a change ratio; and a decision module that communicates with the computing module and uses the change rate and the bank Offered Rate selectively output a proper preferential deposit rates. The deposit rate bargaining adjustment system of claim 1, wherein the network module updates the interbank interest rate every other cycle. The deposit rate bargaining system of claim 1, wherein the internal parameter comprises a first internal parameter and a second internal parameter, the internal weight comprising a first internal weight and a second internal weight, the storage module The method further includes: searching a first subtraction code comparison table according to the weighted contribution degree of the customer to obtain the first internal parameter; and searching a second subtraction code comparison table according to the fund status of the bank to obtain the second internal a parameter; searching a first weight comparison table according to the transaction frequency of the customer to obtain the first internal weight; and searching a second weight comparison table according to the total transaction amount of the bank to obtain the second internal weight. The deposit rate bargaining adjustment system of claim 1, wherein: the network module is further configured to obtain a plurality of project preferential deposit interest rates of a plurality of bank peers in a specified period; the computing module is further configured to calculate the The average of the rate of change of the preferential deposit rate of the project in the specified period; and the storage module is further configured to find an external weight comparison table according to the average of the rate of change to obtain the external weight.