WO2020000694A1 - 理财产品评分方法、系统、计算机设备和存储介质 - Google Patents

理财产品评分方法、系统、计算机设备和存储介质 Download PDF

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WO2020000694A1
WO2020000694A1 PCT/CN2018/106374 CN2018106374W WO2020000694A1 WO 2020000694 A1 WO2020000694 A1 WO 2020000694A1 CN 2018106374 W CN2018106374 W CN 2018106374W WO 2020000694 A1 WO2020000694 A1 WO 2020000694A1
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wealth management
financial
level
factor
trading system
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PCT/CN2018/106374
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English (en)
French (fr)
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蒋逸文
胡逸凡
刘琼
陈培镇
李琦
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平安科技（深圳）有限公司
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    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q10/00—Administration; Management
    • G06Q10/06—Resources, workflows, human or project management; Enterprise or organisation planning; Enterprise or organisation modelling
    • G06Q10/063—Operations research, analysis or management
    • G06Q10/0639—Performance analysis of employees; Performance analysis of enterprise or organisation operations
    • G06Q10/06393—Score-carding, benchmarking or key performance indicator [KPI] analysis
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q40/00—Finance; Insurance; Tax strategies; Processing of corporate or income taxes
    • G06Q40/06—Asset management; Financial planning or analysis

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  • the present application relates to the field of financial information technology, and in particular, to a method, system, computer equipment, and storage medium for scoring wealth management products.
  • Wealth management products are products designed and issued by commercial banks and formal financial institutions. The raised funds are invested in relevant financial markets and purchased related financial products in accordance with the contract of the product. After obtaining investment income, the contract will be completely distributed to investors. Wealth management products.
  • existing financial product sales agencies recommend financial products to investors, the overwhelming majority recommend products with the highest rate of return to them, and high-yield products often have relatively high risks, causing investors to choose to abandon this.
  • Money management products thereby losing customers.
  • banks and websites that recommend wealth management products have not developed a scoring model for their own financial products. After scoring them, they should respond to the actual situation of investors and recommend the best quality financial products to them.
  • some existing research institutions of banks and websites have developed some models of wealth management products, most of the existing models are researched from the general academic perspective, rather than from a practical and comprehensive perspective. To measure the pros and cons of a wealth management product.
  • a financial product scoring method including:
  • the fund transaction system screens the first-level financial factors of a wealth management product and the second-level financial factors under each first-level financial factor;
  • the fund trading system separately obtains the score value of the second-level wealth management factor, and obtains the score value of the first-level wealth management factor by calling a preset score value processing method according to the second wealth management factor's score value;
  • the fund trading system calculates the comprehensive scores of all wealth management products in the fund trading system according to a preset calculation method according to the score value of the first-level wealth management factor, and sorts according to the value of the comprehensive score from high to low Afterwards, a ranking list of all wealth management products is generated, and at least two types of rating levels are assigned to the ranking of wealth management products according to a preset ratio.
  • this application also provides a financial product scoring system, including:
  • Screening wealth management unit set up the fund trading system to screen the first-level wealth management factor of a wealth management product and the second-level wealth management factor under each first-level wealth management factor;
  • the score value obtaining unit is configured to obtain the score value of the second-level wealth management factor by the fund trading system, and obtain the first-level wealth management by calling a preset score value processing method according to the score value of the second-level wealth management factor.
  • the score value of the factor is configured to obtain the score value of the second-level wealth management factor by the fund trading system, and obtain the first-level wealth management by calling a preset score value processing method according to the score value of the second-level wealth management factor.
  • Generate a rating unit and set the fund trading system to calculate the comprehensive score of all wealth management products in the fund trading system according to the preset calculation method according to the score value of the first-level financial factor, and according to the value of the comprehensive score
  • the rankings of all wealth management products are generated after sorting from high to low, and the ranking of wealth management products is determined according to a preset ratio to at least two types of evaluation levels.
  • the present application also provides a computer device including a memory and a processor.
  • the memory stores computer-readable instructions.
  • the processing causes the processing.
  • the processor performs the following steps:
  • the fund trading system screens the first-level financial factors of a wealth management product and the second-level financial factors under each first-level financial factor;
  • the fund trading system separately obtains the score value of the second-level wealth management factor, and obtains the score value of the first-level wealth management factor by calling a preset score value processing method according to the second wealth management factor's score value;
  • the fund trading system calculates the comprehensive scores of all wealth management products in the fund trading system according to a preset calculation method according to the score value of the first-level wealth management factor, and sorts according to the value of the comprehensive score from high to low Afterwards, a ranking list of all wealth management products is generated, and at least two types of rating levels are assigned to the ranking of wealth management products according to a preset ratio.
  • the present application also provides a storage medium storing computer-readable instructions.
  • the computer-readable instructions When the computer-readable instructions are executed by one or more processors, the one or more processors execute the following steps:
  • the fund trading system screens the first-level financial factors of a wealth management product and the second-level financial factors under each first-level financial factor;
  • the fund trading system separately obtains the score value of the second-level wealth management factor, and obtains the score value of the first-level wealth management factor by calling a preset score value processing method according to the second wealth management factor's score value;
  • the fund trading system calculates the comprehensive scores of all wealth management products in the fund trading system according to a preset calculation method according to the score value of the first-level wealth management factor, and sorts according to the value of the comprehensive score from high to low Afterwards, a ranking list of all wealth management products is generated, and at least two types of rating levels are assigned to the ranking of wealth management products according to a preset ratio.
  • the fund transaction system screens the primary financial factors of a financial product and the secondary financial factors under each primary financial factor, and the primary financial factors include income Security, security, liquidity and professionalism, the profitability item includes three secondary financial management factors including expected rate of return, income index, and taxes, and the security item includes the purchase amount, the principal protection ratio, and Net value frequency: three secondary wealth management factors.
  • the liquidity item includes four secondary wealth management factors including investment term, redemption right, pledge right and early termination right.
  • the professional item includes the number of wealth management products and wealth management ability score. Two secondary financial factors.
  • the fund trading system separately obtains the score value of the second-level wealth management factor, and obtains the score value of the first-level wealth management factor by calling a preset score value processing method based on the second wealth management factor's score value.
  • the fund trading system calculates the comprehensive scores of all the wealth management products in the fund trading system according to the score value of the first-level wealth management factor according to a preset calculation method, and sorts according to the value of the comprehensive score to generate all wealth management Product rankings, and at least two types of rating levels are assigned to wealth management product rankings based on preset ratios. Therefore, through the above-mentioned methods, we can choose the best financial products for our customers, avoid recommending only high-yield financial products, and quickly know the advantages and disadvantages of various financial products.
  • FIG. 1 is a flowchart of a method for scoring a wealth management product according to an embodiment of the present application
  • FIG. 2 is a schematic diagram of a financial product scoring model according to an embodiment of the present application.
  • FIG. 3 is a schematic diagram of a financial product scoring system according to an embodiment of the present application.
  • FIG. 1 is a flowchart of a financial product scoring method according to an embodiment of the present application. As shown in FIG. 1, the financial product scoring method may include the following steps:
  • Step S1 The fund transaction system screens a first-level financial factor of a wealth management product and a second-level financial factor under each first-level financial factor.
  • the screening of wealth management factors by the fund trading system includes:
  • the fund trading system selects a first-class financial management factor of a wealth management product from a fund trading platform of the fund trading system according to a factor analysis method.
  • the first-class financial management factor includes profitability, security, liquidity, and professionalism.
  • the fund According to the factor analysis method, the trading system screens out the second-level wealth management factors under the first-level wealth management factor, and the profitability item includes three second-level wealth management factors including expected rate of return, income index and taxes.
  • the security item includes three secondary financial management factors including the purchase amount, the principal protection ratio and the net value frequency.
  • the liquidity includes four secondary financial management factors including investment period, redemption right, pledge right and early termination right.
  • the specialization includes two second-level wealth management factors: quantity of wealth management products and wealth management ability score.
  • the wealth management product is a product designed and issued by commercial banks and formal financial institutions.
  • the raised funds are invested in relevant financial markets and purchased related financial products according to the product contract, and after obtaining investment income, they are distributed to investors according to the contract.
  • the current wealth management products include bank wealth management products.
  • the bank wealth management products can be divided into four categories, including currency, income, investment direction and linked assets.
  • the wealth management product may be selected as a bank wealth management product.
  • the factor analysis method is used to describe the relationship between many indicators or factors with a few factors, that is, several closely related variables are grouped into the same category, and each type of variable will become a factor to compare The few factors reflect most of the information in the source material.
  • this research technology it is possible to do pre-analysis for the market launch of wealth management products.
  • the fund trading system can use this research technology to screen out the primary wealth management factors and the corresponding secondary wealth management factors under each primary wealth management factor.
  • the first-level wealth management factor includes profitability, security, liquidity, and professionalism.
  • the profitability item includes three second-level wealth management factors including expected rate of return, income index, and taxes.
  • the expected rate of return is introduced from the bank. Obtained from the financial product description, for example, when an unstructured financial product is issued, it will indicate the expected rate of return in the product description; the income index is calculated by a calculation method, and the calculation method is: (expected rate of return-no risk Yield) / (average expected yield of other similar products-risk-free yield); the taxes and fees are obtained from wealth management product custody fees, product sales handling fees, and bank management fees.
  • the security includes three secondary factors of the principal protection ratio, the minimum purchase amount and the net value frequency; the principal protection ratio is used to measure the loss of principal, and the minimum purchase amount is used to specify the bottom line amount for the first purchase of wealth management products
  • the net value frequency is used to weigh the frequency of product net value disclosure.
  • the liquidity item includes four secondary factors of investment period, early termination right, redemption right and pledge right.
  • the investment period is used to specify the investment period for investors to purchase this bank wealth management product.
  • the bank has the right to terminate the existence of this bank wealth management product in advance, and the pledge right is used to stipulate that investors can use this bank wealth management product as a guarantee to enable them to enjoy certain liquid assets.
  • the specialty includes two secondary factors of the number of wealth management products of the sales organization and the wealth management capability of the sales organization.
  • the number of wealth management products of the sales organization is used to calculate the type and number of wealth management products issued by the bank. Capabilities are obtained in accordance with the "Banking Financial Product Ranking Report" issued by Puy & Ley'
  • Step S2 The fund trading system separately obtains the score value of the second-level wealth management factor, and obtains the score value of the first-level wealth management factor by calling a preset score value processing method based on the second-level wealth management factor's score value. .
  • obtaining the score value of the first-level financial factor includes:
  • the fund trading system automatically installs a Python program on the operation interface of the fund trading system by executing a configure script, and the fund trading system obtains the secondary wealth management factor from the wealth management product element by calling the Matplotlib package in the Python program.
  • the score value, the score value of the second-level wealth management factor is set between 1-5, and the fund trading system obtains the score value of the first-level wealth management factor by calling a preset score value processing method.
  • the preset score value processing method includes a normalized calculation method, and the normalized calculation method is:
  • the n is the number of secondary financial management factors, and the Xn is the score value of each secondary financial management factor.
  • the fund trading system automatically installs a Python program on an operation interface of the fund trading system by executing a configure script, and obtains a score value of the second-level financial factor by calling a Matplotlib package in the Python program.
  • the score value of the second-level wealth management factor is set to 1-5, and the score value of the second-level wealth management factor is obtained as shown in Table 1 below.
  • the first-level wealth management factor obtained by the fund trading system that is, three second-level wealth management factors including expected return rate, income index, and taxes and fees, under the profitability item, said expected return rate is 3, said The income index is 4, the tax and fee are 2; the security includes three second-level wealth management factors including the purchase amount, the principal protection ratio and the net value frequency, the purchase amount is 2 and the principal protection ratio is 3.5.
  • the net value frequency is 4.5;
  • the liquidity item includes four secondary financial management factors including investment term, redemption right, pledge right and early termination right, the investment term is 2, and the redemption right is 5, so The pledge right is 0, and the early termination right is 0.
  • the professional item includes two second-level financial factors: the number of financial products and the financial ability score, the number of financial products is 2, and the financial ability score is 3. .
  • the fund trading system calls the normalized calculation method as follows:
  • the calculation calculates the score values of the profitability, the security, the liquidity, and the professionalism respectively, and the calculation process is as follows:
  • Step S3 The fund trading system calculates a comprehensive score of all financial products in the fund trading system according to a preset calculation method according to the score value of the first-level wealth management factor, and the value of the comprehensive score ranges from high to high. Low ranking will generate a ranking list of all wealth management products, and the ranking of wealth management products will be determined according to a preset ratio to at least two types of evaluation levels.
  • the calculation method of the comprehensive score of the wealth management product is:
  • the fund trading system calculates the value of the first-level wealth management factors by calling a preset calculation method for the comprehensive score of the wealth management product
  • the comprehensive scores of all wealth management products in the fund trading system are ranked according to the value of the comprehensive score from high to low to generate a ranking of all wealth management products, and the ranking of the wealth management products is ranked according to a preset ratio To generate the rating of the wealth management product.
  • the preset ratio is determined according to at least two types of grades required for all financial products.
  • the profitability is 0.6
  • the security is 0.67
  • the liquidity is 0.35
  • the professionalism is 0.5
  • the wealth management products in the fund trading system may be ranked according to the levels determined in Table 2 below. For example, the first 10% is rated five stars, 10% -32% is four stars, 32% -67% is three stars, 67% -90% is four stars, and the last 10% is one star. ; Based on the rating, recommend the best products to investors.
  • the first-level financial factor and the second-level financial factor under the first-level financial factor are selected, and the score value of the second-level financial factor is obtained to calculate the score value of the first-level financial factor.
  • FIG. 2 is a schematic diagram of a financial product scoring model according to an embodiment of the present application.
  • the financial product scoring method includes profitability 1, professionalism 2, liquidity 3, and security 4 as four dimensions.
  • the fund trading system obtains the scores of all wealth management products in the fund trading system in the four dimensions of profitability 1, professionalism 2, liquidity 3, and security 4, and then demarcates according to the financial product scoring model according to its score. Determine the position of each wealth management product in different dimensions to clearly show the advantages and disadvantages of each wealth management product.
  • the profitability is 0.6
  • the security is 0.67
  • the liquidity is 0.35
  • the specialty is 0.5
  • different values can be assigned to the financial product scoring model according to its corresponding rating value. Position on the dimension.
  • an embodiment of the present application also provides a financial product scoring system, as shown in FIG. 3, the system includes a financial management factor unit, a score unit, and a rating unit;
  • the screening financial factor unit is configured to screen a primary financial factor of a financial product and a secondary financial factor under each primary financial factor by the fund trading system;
  • the obtaining score value unit is configured for the fund trading system to obtain the score value of the second-level wealth management factor, and obtain a first score value processing method according to the score value of the second-level wealth management factor to obtain the one The value of the grade financial factor;
  • the generating and rating unit is set to calculate a comprehensive score of all financial products in the fund trading system according to a preset calculation method according to the scoring value of the first-level financial factor by the fund trading system, and according to the comprehensive score Sort the numerical value of the wealth management products to generate a ranking list of all wealth management products, and assign at least two types of rating levels to the ranking of wealth management products according to a preset ratio.
  • the screening wealth management factor unit passes a fund transaction system to screen a primary wealth management factor of a wealth management product and a secondary wealth management factor under each primary wealth management factor; and the obtaining score value unit passes the fund
  • the transaction system obtains the score value of the second-level wealth management factor, and obtains the score value of the first-level wealth management factor by invoking a preset score value processing method according to the second wealth management factor's score value; the generation of the evaluation level
  • the unit calculates the comprehensive scores of all wealth management products in the fund trading system according to the value of the first-level wealth management factor according to the score value of the first-class financial management system according to the preset calculation method, and sorts according to the value of the comprehensive score.
  • the screening wealth management factor unit is further configured that the fund transaction system selects a first-class wealth management factor of a wealth management product from a fund transaction platform of the fund transaction system according to a factor analysis method, and the first-level wealth management factor Including profitability, security, liquidity, and professionalism, the fund transaction system screens out the second-level financial factors under the first-level financial factor according to the factor analysis method, and the expected returns include expectations Three secondary wealth management factors including rate of return, profit index and taxes.
  • the security includes three secondary wealth management factors including purchase amount, principal protection ratio and net worth frequency.
  • the liquidity includes investment term, redemption. Rights, pledge rights, and early termination rights, the four secondary financial management factors, the professional item includes the number of financial products and financial ability score two secondary financial management factors.
  • the obtaining score value unit is further configured that the fund trading system automatically installs a Python program on an operation interface of the fund trading system by executing a configure script, and the fund trading system calls the Python program by
  • the Matplotlib package obtains the score value of the second-level wealth management factor from the wealth management product elements, the score value of the second-level wealth management factor is set between 1-5, and the fund transaction system calls a preset score value processing method To obtain the score value of the first-level financial factor.
  • the preset score value processing method in the obtaining score value unit includes a normalized calculation method, and the normalized calculation method is:
  • the n is the number of secondary financial management factors, and the X n is the score value of each secondary financial management factor.
  • the calculation method for generating a comprehensive score of the wealth management product in the generating rating unit is:
  • the fund trading system calculates the value of the first-level wealth management factor by calling a preset calculation method for the comprehensive score of the wealth management product. Get the comprehensive scores of all wealth management products in the fund trading system, sort them according to the value of the comprehensive score from high to low to generate a ranking of all wealth management products, and rank the wealth management products according to a preset ratio Demarcation is performed to generate a rating for the financial product.
  • the preset ratio in the generating and rating unit is determined according to at least two types of grades required for all financial products.
  • the method further includes: creating a financial product scoring model unit, which is set to take four first-level financial factors of the financial product as dimensions, and the scoring model created by the fund trading system on the fund trading platform.
  • the present application also proposes a computer device including a memory, a processor, and computer-readable instructions stored on the memory and executable on the processor, the processing When the computer executes the computer-readable instructions, the steps in the financial product scoring method in the foregoing embodiments are implemented.
  • the present application also provides a storage medium storing computer-readable instructions.
  • the computer-readable instructions are executed by one or more processors, the one or more processors execute the foregoing implementations.
  • the steps in the financial product scoring method are executed by one or more processors.
  • the computer program can be stored in a computer-readable storage medium.
  • the foregoing storage medium may be a non-volatile storage medium such as a magnetic disk, an optical disc, a read-only memory (ROM), or a random access memory (Random Access Memory, RAM).

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Abstract

理财产品评分方法、系统、计算机设备和存储介质，所述方法包括：基金交易系统通过筛选一理财产品的一级理财因子和每个一级理财因子项下的二级理财因子；基金交易系统分别获取二级理财因子的评分数值，并根据二级理财因子的评分数值通过调用预设评分数值处理方式，获取一级理财因子的评分数值（S2）；基金交易系统根据一级理财因子的评分数值，按照预设的计算方法获取基金交易系统中的所有理财产品的综合评分，生成所有理财产品的排行榜，并按照预设比例对理财产品的排行榜进行划定出至少两类评定等级。因此，通过上述方法，能够为客户择优推荐适合的理财产品，避免只推荐收益率高的理财产品，同时能够快速知晓各类理财产品的优缺点。

Description

理财产品评分方法、系统、计算机设备和存储介质
本申请要求于2018年06月25日提交中国专利局、申请号为201810656984.7、发明名称为″理财产品评分方法、系统、计算机设备和存储介质″的中国专利申请的优先权，其全部内容通过引用结合在本申请中。
技术领域
本申请涉及金融信息技术领域，特别是涉及理财产品评分方法、系统、计算机设备和存储介质。
背景技术
理财产品是由商业银行和正规金融机构自行设计并发行的产品，将募集到的资金根据产品合同约定投入相关金融市场及购买相关金融产品，获得投资收益后，根绝合同约定分配给投资人的一类理财产品。现有的理财产品销售机构在向投资人推荐理财产品时，绝大多数是向其推荐收益率最高的产品，而收益率高的产品，往往风险也相对较高，致使投资人选择放弃购买此款理财产品，从而失去客户。而当前市场上，推荐理财产品的银行、网站等并没有通过对自己旗下的理财产品制定评分模型，对其进行评分之后，应对投资人的实际情况，向其推荐最优质选择的理财产品。其次，现有一些银行、网站的研究机构虽研究出一些理财产品的模型，但现有的模型，多数是总学术性角度对其作出的研究，而不是从实用性、全面性的角度出发，去衡量一款理财产品的优劣。
发明内容
基于此，有必要针对在推荐理财产品时，不能应对客户需求，推荐最优质选择的理财产品等问题，提供理财产品评分方法、系统、计算机设备和存储介质。
一种理财产品评分方法，包括：
基金交易系统筛选一理财产品的一级理财因子和每个一级理财因子项下的 二级理财因子；
所述基金交易系统分别获取所述二级理财因子的评分数值，并根据所述二级理财因子的评分数值通过调用预设评分数值处理方式，获取所述一级理财因子的评分数值；
所述基金交易系统根据所述一级理财因子的评分数值，按照预设的计算方法计算得到所述基金交易系统中的所有理财产品的综合评分，根据综合评分的数值大小从高到低进行排序后生成所有理财产品的排行榜，并按照预设比例对理财产品的排行榜进行划定出至少两类评定等级。
基于相同的技术构思，本申请还提供一种理财产品评分系统，包括：
筛选理财因子单元，设置为基金交易系统筛选一理财产品的一级理财因子和每个一级理财因子项下的二级理财因子；
获取评分数值单元，设置为所述基金交易系统分别获取所述二级理财因子的评分数值，并根据所述二级理财因子的评分数值通过调用预设评分数值处理方式，获取所述一级理财因子的评分数值；
生成评定等级单元，设置为所述基金交易系统根据所述一级理财因子的评分数值，按照预设的计算方法计算得到所述基金交易系统中的所有理财产品的综合评分，根据综合评分的数值大小从高到低进行排序后生成所有理财产品的排行榜，并按照预设比例对理财产品的排行榜进行划定出至少两类评定等级。
基于相同的技术构思，本申请还提供一种计算机设备，包括存储器和处理器，所述存储器中存储有计算机可读指令，所述计算机可读指令被所述处理器执行时，使得所述处理器执行以下步骤：
基金交易系统筛选一理财产品的一级理财因子和每个一级理财因子项下的二级理财因子；
所述基金交易系统分别获取所述二级理财因子的评分数值，并根据所述二级理财因子的评分数值通过调用预设评分数值处理方式，获取所述一级理财因子的评分数值；
所述基金交易系统根据所述一级理财因子的评分数值，按照预设的计算方法计算得到所述基金交易系统中的所有理财产品的综合评分，根据综合评分的 数值大小从高到低进行排序后生成所有理财产品的排行榜，并按照预设比例对理财产品的排行榜进行划定出至少两类评定等级。
基于相同的技术构思，本申请还提供一种存储有计算机可读指令的存储介质，所述计算机可读指令被一个或多个处理器执行时，使得一个或多个处理器执行以下步骤：
基金交易系统筛选一理财产品的一级理财因子和每个一级理财因子项下的二级理财因子；
所述基金交易系统分别获取所述二级理财因子的评分数值，并根据所述二级理财因子的评分数值通过调用预设评分数值处理方式，获取所述一级理财因子的评分数值；
所述基金交易系统根据所述一级理财因子的评分数值，按照预设的计算方法计算得到所述基金交易系统中的所有理财产品的综合评分，根据综合评分的数值大小从高到低进行排序后生成所有理财产品的排行榜，并按照预设比例对理财产品的排行榜进行划定出至少两类评定等级。
上述理财产品评分方法、系统、计算机设备和存储介质，基金交易系统通过筛选一理财产品的一级理财因子和每个一级理财因子项下的二级理财因子，所述一级理财因子包括收益性、安全性、流动性和专业性，所述所述收益性项下包括预期收益率、收益指标和税费三个二级理财因子，所述安全性项下包括起购金额、保本比率和净值频率三个二级理财因子，所述流动性项下包括投资期限、赎回权、质押权和提前终止权四个二级理财因子，所述专业性项下包括理财产品数量和理财能力评分两个二级理财因子。所述基金交易系统分别获取所述二级理财因子的评分数值，并根据所述二级理财因子的评分数值通过调用预设评分数值处理方式，获取所述一级理财因子的评分数值。所述基金交易系统根据所述一级理财因子的评分数值，按照预设的计算方法计算得到所述基金交易系统中的所有理财产品的综合评分，根据综合评分的数值大小进行排序，生成所有理财产品的排行榜，并按照预设比例对理财产品的排行榜进行划定出至少两类评定等级。因此，通过上述方法，能够为客户择优推荐适合的理财产品，避免只推荐收益率高的理财产品，同时能够快速知晓各类理财产品的有优 缺点。
附图说明
通过阅读下文优选实施方式的详细描述，各种其他的优点和益处对于本领域普通技术人员将变得清楚明了。附图仅用于示出优选实施方式的目的，而并不认为是对本申请的限制。
图1为本申请一个实施例中一种理财产品评分方法的流程图；
图2为本申请一个实施例中一种理财产品评分模型的示意图；
图3为本申请一个实施例中一种理财产品评分系统的示意图；
其中，1-收益性；2-专业性；3-流动性；4-安全性；5-基准。
具体实施方式
为了使本申请的目的、技术方案及优点更加清楚明白，以下结合附图及实施例，对本申请进行进一步详细说明。应当理解，此处所描述的具体实施例仅仅用以解释本申请，并不用于限定本申请。
本技术领域技术人员可以理解，除非特意声明，这里使用的单数形式″一″、″一个″、″所述″和″该″也可以包括复数形式。应该进一步理解的是，本申请的说明书中使用的措辞″包括″是指存在所述特征、程序、步骤、操作、元件和/或组件，但是并不排除存在或添加一个或多个其他特征、程序、步骤、操作、元件、组件和/或它们的组。
图1为本申请一个实施例中一种理财产品评分方法的流程图，如图1所示，所理财产品评分方法，可以包括如下步骤：
步骤S1：基金交易系统筛选一理财产品的一级理财因子和每个一级理财因子项下的二级理财因子。
本实施例中，所述基金交易系统筛选理财因子包括：
基金交易系统按照因子分析法从所述基金交易系统的基金交易平台中筛选一理财产品的一级理财因子，所述一级理财因子包括收益性、安全性、流动性和专业性，所述基金交易系统按照所述因子分析法，分别筛选出所述一级理财 因子项下的二级理财因子，所述收益性项下包括预期收益率、收益指标和税费三个二级理财因子，所述安全性项下包括起购金额、保本比率和净值频率三个二级理财因子，所述流动性项下包括投资期限、赎回权、质押权和提前终止权四个二级理财因子，所述专业性项下包括理财产品数量和理财能力评分两个二级理财因子。
所述理财产品是由商业银行和正规金融机构自行设计并发行的产品，将募集到的资金根据产品合同约定投入相关金融市场及购买相关金融产品，获得投资收益后，根据合同约定分配给投资人的一类理财产品。目前现有的理财产品包括银行理财产品，所述银行理财产品可分为四大类，包括币种、收益、投资方向和连结资产。本实施例中，所述理财产品可以选定为银行理财产品。
所述因子分析法是用于用少数几个因子去描述许多指标或因素之间的联系，即将相关比较密切的几个变量归在同一类中，每一类变量就会成为一个因子，以较少的几个因子反映原资料的大部分信息。运用这种研究技术，可以为市场推送理财产品做前期分析，同时，基金交易系统能够利用该研究技术筛选出一级理财因子和每个一级理财因子项下对应的二级理财因子。
所述一级理财因子包括收益性、安全性、流动性和专业性，所述收益性项下包括预期收益率、收益指标和税费三个二级理财因子，所述预期收益率从银行推出的理财产品说明书中获取，例如，非结构化理财产品在发行时会在产品说明书中表明预期收益率；所述收益指标通过计算方法计算得出，其计算方法为：(预期收益率-无风险收益率)/(其他同类产品平均预期收益率-无风险收益率)；所述税费从理财产品托管费、产品销售手续费、银行管理费中获取。所述安全性包括保本比率、起购金额和净值频率三个二级因子；所述保本比率用于衡量本金损失与否，所述起购金额用于规定第一次购买理财产品的底线金额，所述净值频率用于权衡产品净值披露的频率。所述流动性项下包括投资期限、提前终止权、赎回权和质押权四个二级因子，所述投资期限用于规定投资者购买此银行理财产品的投资期限，所述提前终止权用于规定银行提前终止此银行理财产品存续的权利，所述质押权用于规定投资者可将此银行理财产品作为担保来使得其享有一定流动性资产的权利。所述专业性项下包括销售机构理 财产品数量和销售机构理财能力两个二级因子，所述销售机构理财产品数量用于计算该银行所发行的理财产品的种类和数量，所述销售机构理财能力根据普益标准发布的《银行理财产品排名报告》来获取。
步骤S2：所述基金交易系统分别获取所述二级理财因子的评分数值，并根据所述二级理财因子的评分数值通过调用预设评分数值处理方式，获取所述一级理财因子的评分数值。
本实施例中，所述获取所述一级理财因子的评分数值包括：
基金交易系统通过执行configure脚本在所述基金交易系统的操作界面上自动安装Python程序，所述基金交易系统通过调用所述Python程序中的Matplotlib包从理财产品要素中获取所述二级理财因子的评分数值，所述二级理财因子的评分数值设定在1-5之间，所述基金交易系统通过调用预设评分数值处理方式，获取所述一级理财因子的评分数值。
本实施例中，所述预设评分数值处理方式包括归一化计算方式，所述归一化计算方法为：
Figure PCTCN2018106374-appb-000001
所述n为二级理财因子的个数，所述Xn为每个二级理财因子的评分数值。
本实施例中，所述基金交易系统通过执行configure脚本在所述基金交易系统的操作界面上自动安装Python程序，通过调用所述Python程序中的Matplotlib包获取所述二级理财因子的评分数值，所述二级理财因子的评分数值设定在1-5之前，按照如下表1所展示的，来获取所述二级理财因子的评分数值。
Figure PCTCN2018106374-appb-000002
Figure PCTCN2018106374-appb-000003
表1
举例来说，所述基金交易系统获取的所述一级理财因子，即收益性项下包括预期收益率、收益指标和税费三个二级理财因子，所述预期收益率为3，所述收益指标为4，所述税费为2；所述安全性项下包括起购金额、保本比率和净值频率三个二级理财因子，所述起购金额为2，所述保本比率为3.5，所述净值频率为4.5；所述流动性项下包括投资期限、赎回权、质押权和提前终止权四个二级理财因子，所述投资期限为2，所述赎回权为5，所述质押权为0，所述提前终止权为0；所述专业性项下包括理财产品数量和理财能力评分两个二级理财因子，所述理财产品数量为2，所述理财能力评分为3。
基金交易系统通过调用所述归一化计算方法为：
Figure PCTCN2018106374-appb-000004
计算分别计算所述收益性、所述安全性、所述流动性和所述专业性的评分数值，其计算过程如下：
所述收益性＝(预期收益率+收益指标+税费)/15，即可得出所述收益性的评分数值为(3+4+2)/15＝0.6；
所述安全性＝(起购金额+保本比率+净值频率)/15，即可得出所述安全性的评分数值为(2+3.5+4.5)/15＝0.67；
所述流动性＝(投资期限+赎回权+质押权+提前终止权)/20，即可得出所述流动性的评分数值为(2+5+0+0)/20＝0.35；
所述专业性＝(理财产品数量+理财能力评分)/10，即可得出所述专业性的评分数值为(2+3)/10＝0.5。
步骤S3：所述基金交易系统根据所述一级理财因子的评分数值，按照预设的计算方法计算得到所述基金交易系统中的所有理财产品的综合评分，根据综合评分的数值大小从高到低进行排序后生成所有理财产品的排行榜，并按照预设比例对理财产品的排行榜进行划定出至少两类评定等级。
本实施例中，所述理财产品的综合评分的计算方法为：
Figure PCTCN2018106374-appb-000005
所述m为一级理财因子的个数，Ym为一级理财因子的评分数值，基金交易系统根据一级理财因子的评分数值，通过调用预设的所述理财产品综合评分的计算方法计算得到所述基金交易系统中的所有理财产品的综合评分，根据综合评分的数值大小从高到低进行排序后生成所有理财产品的排行榜，并按照预设比例对所述理财产品的排行榜进行划定，以生成所述理财产品的评定等级。
本实施例中，所述预设比例根据所有理财产品需要划定的至少两类等级级数进行划定的。
举例来说，所述收益性为0.6，所述安全性为0.67，所述流动性为0.35，所述专业性为0.5，按照所述理财产品综合评分计算方法，即可得出该理财产品的综合评分为0.6+0.67+0.35+0.5＝2.12。在获取所述基金交易系统内所有理财产品的综合评分之后，即可对其按照所述综合评分的数值大小进行排序，以生成理财产品的排行榜。
在生成排行榜之后，可按照如下表2中所划定的等级对所述基金交易系统中的理财产品进行划定等级。例如划定前10％为五星级，10％-32％为四星级，32％-67％为三星级，67％-90％为四星级，排行榜后10％为一星级；根据该等级评定，择优产品推荐给投资者。
Figure PCTCN2018106374-appb-000006
表2
上述实施例，通过筛选理一级理财因子和所述一级理财因子项下的二级理财因子，获取所述二级理财因子的评分数值计算得出所述一级理财因子的评分数值，以生成排行榜，并按照划定的等级对所有基金产品进行划定，以选择适合市场发展的理财产品。因此，通过上述理财产品评分方法，能够为客户择优推荐适合的理财产品，避免只推荐收益率高的理财产品，同时能够快速知晓各类理财产品的有优缺点。
图2为本申请一个实施例中一种理财产品评分模型的示意图，如图2所示，所述理财产品评分方法以收益性1、专业性2、流动性3和安全性4为四个维度，建立起来的理财产品评分模型，同时设定一个基准5，以基准5为标准，为市场选择不同维度的理财产品。
基金交易系统在获取所述基金交易系统内所有理财产品在收益性1、专业性2、流动性3和安全性4这个四个维度的评分之后，根据其得分按照所述理财产品评分模型去划定每个理财产品在不同维度上的位置，以明确展示各款理财产品的优缺点。
举例来说，所述收益性为0.6，所述安全性为0.67，所述流动性为0.35，所述专业性为0.5，即可按照其对应评分数值在所述理财产品评分模型上去划定不同维度上的位置。
上述实施例，通过以收益性1、专业性2、流动性3和安全性4为四个维度建立理财产品评分模型，即可快速知晓，哪些理财产品在收益性上占有优势，哪些理财产品在专业性上占有优势，即可根据市场需求去选定市场所需的理财产品。
基于相同的技术构思，本申请实施例还提供了一种理财产品评分系统，如图3所示，所述系统包括筛选理财因子单元、获取评分数值单元和生成评定等 级单元；
所述筛选理财因子单元，设置为基金交易系统筛选一理财产品的一级理财因子和每个一级理财因子项下的二级理财因子；
所述获取评分数值单元，设置为所述基金交易系统分别获取所述二级理财因子的评分数值，并根据所述二级理财因子的评分数值通过调用预设评分数值处理方式，获取所述一级理财因子的评分数值；
所述生成评定等级单元，设置为所述基金交易系统根据所述一级理财因子的评分数值，按照预设的计算方法计算得到所述基金交易系统中的所有理财产品的综合评分，根据综合评分的数值大小进行排序，生成所有理财产品的排行榜，并按照预设比例对理财产品的排行榜进行划定出至少两类评定等级。
上述实施例，所述筛选理财因子单元，通过基金交易系统通过筛选一理财产品的一级理财因子和每个一级理财因子项下的二级理财因子；所述获取评分数值单元通过所述基金交易系统分别获取所述二级理财因子的评分数值，并根据所述二级理财因子的评分数值通过调用预设评分数值处理方式，获取所述一级理财因子的评分数值；所述生成评定等级单元通过所述基金交易系统根据所述一级理财因子的评分数值，按照预设的计算方法计算得到所述基金交易系统中的所有理财产品的综合评分，根据综合评分的数值大小进行排序，以生成所有理财产品的排行榜，并按照预设比例对理财产品的综合评分进行划定出至少两类评定等级。因此，通过上述理财产品评分系统，能够为客户择优推荐适合的理财产品，避免只推荐收益率高的理财产品，同时能够快速知晓各类理财产品的有优缺点。
在一个实施例中，所述筛选理财因子单元，还设置为基金交易系统按照因子分析法从所述基金交易系统的基金交易平台中筛选一理财产品的一级理财因子，所述一级理财因子包括收益性、安全性、流动性和专业性，所述基金交易系统按照所述因子分析法，分别筛选出所述一级理财因子项下的二级理财因子，所述收益性项下包括预期收益率、收益指标和税费三个二级理财因子，所述安全性项下包括起购金额、保本比率和净值频率三个二级理财因子，所述流动性项下包括投资期限、赎回权、质押权和提前终止权四个二级理财因子，所述专 业性项下包括理财产品数量和理财能力评分两个二级理财因子。
在一个实施例中，所述获取评分数值单元，还设置为基金交易系统通过执行configure脚本在所述基金交易系统的操作界面上自动安装Python程序，所述基金交易系统通过调用所述Python程序中的Matplotlib包从理财产品要素中获取所述二级理财因子的评分数值，所述二级理财因子的评分数值设定在1-5之间，所述基金交易系统通过调用预设评分数值处理方式，获取所述一级理财因子的评分数值。
在一个实施例中，所述获取评分数值单元中的所述预设评分数值处理方式包括归一化计算方式，所述归一化计算方法为：
Figure PCTCN2018106374-appb-000007
所述n为二级理财因子的个数，所述X n为每个二级理财因子的评分数值。
在一个实施例中，所述生成评定等级单元中的所述理财产品的综合评分的计算方法为：
Figure PCTCN2018106374-appb-000008
所述m为一级理财因子的个数，Y m为一级理财因子的评分数值，基金交易系统根据一级理财因子的评分数值，通过调用预设的所述理财产品综合评分的计算方法计算得到所述基金交易系统中的所有理财产品的综合评分，根据综合评分的数值大小从高到低进行排序后以生成所有理财产品的排行榜，并按照预设比例对所述理财产品的排行榜进行划定，以生成所述理财产品的评定等级。
在一个实施例中，所述生成评定等级单元中的所述预设比例根据所有理财产品需要划定的至少两类等级级数进行划定的。
在一个实施例中，还包括：创建理财产品评分模型单元，设置为以理财产品的四个一级理财因子为维度，基金交易系统在基金交易平台创建的评分模型。
基于相同的技术构思，本申请还提出了一种计算机设备，所述计算机设备 包括存储器、处理器及存储在所述存储器上并可在所述处理器上运行的计算机可读指令，所述处理器执行所述计算机可读指令时实现上述各实施例里理财产品评分方法中的步骤。
基于相同的技术构思，本申请还提供了一种存储有计算机可读指令的存储介质，所述计算机可读指令被一个或多个处理器执行时，使得一个或多个处理器执行上述各实施例里理财产品评分方法中的步骤。
本领域普通技术人员可以理解实现上述实施例方法中的全部或部分流程，是可以通过计算机程序来指令相关的硬件来完成，该计算机程序可存储于一计算机可读取存储介质中，该程序在执行时，可包括如上述各方法的实施例的流程。其中，前述的存储介质可为磁碟、光盘、只读存储记忆体(Read-Only Memory，ROM)等非易失性存储介质，或随机存储记忆体(Random Access Memory，RAM)等。
以上所述实施例的各技术特征可以进行任意的组合，为使描述简洁，未对上述实施例中的各个技术特征所有可能的组合都进行描述，然而，只要这些技术特征的组合不存在矛盾，都应当认为是本说明书记载的范围。
以上所述实施例仅表达了本申请的几种实施方式，其描述较为具体和详细，但并不能因此而理解为对本申请专利范围的限制。应当指出的是，对于本领域的普通技术人员来说，在不脱离本申请构思的前提下，还可以做出若干变形和改进，这些都属于本申请的保护范围。因此，本申请专利的保护范围应以所附权利要求为准。

Claims (20)

  1. 一种理财产品评分方法，包括：
    基金交易系统筛选一理财产品的一级理财因子和每个一级理财因子项下的二级理财因子；
    所述基金交易系统分别获取所述二级理财因子的评分数值，并根据所述二级理财因子的评分数值通过调用预设评分数值处理方式，获取所述一级理财因子的评分数值；
    所述基金交易系统根据所述一级理财因子的评分数值，按照预设的计算方法计算得到所述基金交易系统中的所有理财产品的综合评分，根据综合评分的数值大小从高到低进行排序后生成所有理财产品的排行榜，并按照预设比例对理财产品的排行榜进行划定出至少两类评定等级。
  2. 根据权利要求1所述的一种理财产品评分方法，其中，所述基金交易系统筛选理财因子，包括：
    基金交易系统按照因子分析法从所述基金交易系统的基金交易平台中筛选一理财产品的一级理财因子，所述一级理财因子包括收益性、安全性、流动性和专业性，所述基金交易系统按照所述因子分析法，分别筛选出所述一级理财因子项下的二级理财因子，所述收益性项下包括预期收益率、收益指标和税费三个二级理财因子，所述安全性项下包括起购金额、保本比率和净值频率三个二级理财因子，所述流动性项下包括投资期限、赎回权、质押权和提前终止权四个二级理财因子，所述专业性项下包括理财产品数量和理财能力评分两个二级理财因子。
  3. 根据权利要求1所述的一种理财产品评分方法，其中，所述获取所述一级理财因子的评分数值，包括：
    基金交易系统通过执行configure脚本在所述基金交易系统的操作界面上自动安装Python程序，所述基金交易系统通过调用所述Python程序中的Matplotlib包从理财产品要素中获取所述二级理财因子的评分数值，所述二级理财因子的评分数值设定在1-5之间，所述基金交易系统通过调用预设评分数值处理方式，获取所述一级理财因子的评分数值。
  4. 根据权利要求1所述的一种理财产品评分方法，其中，所述预设评分数 值处理方式包括归一化计算方式，所述归一化计算方法为：
    Figure PCTCN2018106374-appb-100001
    所述n为二级理财因子的个数，所述X n为每个二级理财因子的评分数值。
  5. 根据权利要求1所述的一种理财产品评分方法，其中，所述理财产品的综合评分的计算方法为：
    Figure PCTCN2018106374-appb-100002
    所述m为一级理财因子的个数，Y m为一级理财因子的评分数值，基金交易系统根据一级理财因子的评分数值，通过调用预设的所述理财产品综合评分的计算方法计算得到所述基金交易系统中的所有理财产品的综合评分，根据综合评分的数值大小从高到低进行排序后以生成所有理财产品的排行榜，并按照预设比例对所述理财产品的排行榜进行划定，以生成所述理财产品的评定等级。
  6. 根据权利要求1所述的一种理财产品评分方法，其中，所述预设比例根据所有理财产品需要划定的至少两类等级级数进行划定的。
  7. 根据权利要求1所述的一种理财产品评分方法，其中，所述理财产品的评分方式还包括创建理财产品评分模型；
    所述理财产品评分模型是以理财产品的四个一级理财因子为维度，基金交易系统在基金交易平台创建的评分模型。
  8. 一种理财产品评分系统，包括：
    筛选理财因子单元，设置为基金交易系统筛选一理财产品的一级理财因子和每个一级理财因子项下的二级理财因子；
    获取评分数值单元，设置为所述基金交易系统分别获取所述二级理财因子的评分数值，并根据所述二级理财因子的评分数值通过调用预设评分数值处理方式，获取所述一级理财因子的评分数值；
    生成评定等级单元，设置为所述基金交易系统根据所述一级理财因子的评 分数值，按照预设的计算方法计算得到所述基金交易系统中的所有理财产品的综合评分，根据综合评分的数值大小从高到低进行排序后生成所有理财产品的排行榜，并按照预设比例对理财产品的排行榜进行划定出至少两类评定等级。
  9. 根据权利要求8所述的理财产品评分系统，其中，所述筛选理财因子单元，还设置为基金交易系统按照因子分析法从所述基金交易系统的基金交易平台中筛选一理财产品的一级理财因子，所述一级理财因子包括收益性、安全性、流动性和专业性，所述基金交易系统按照所述因子分析法，分别筛选出所述一级理财因子项下的二级理财因子，所述收益性项下包括预期收益率、收益指标和税费三个二级理财因子，所述安全性项下包括起购金额、保本比率和净值频率三个二级理财因子，所述流动性项下包括投资期限、赎回权、质押权和提前终止权四个二级理财因子，所述专业性项下包括理财产品数量和理财能力评分两个二级理财因子。
  10. 根据权利要求8所述的理财产品评分系统，其中，所述获取评分数值单元，还设置为基金交易系统通过执行configure脚本在所述基金交易系统的操作界面上自动安装Python程序，所述基金交易系统通过调用所述Python程序中的Matplotlib包从理财产品要素中获取所述二级理财因子的评分数值，所述二级理财因子的评分数值设定在1-5之间，所述基金交易系统通过调用预设评分数值处理方式，获取所述一级理财因子的评分数值。
  11. 根据权利要求8所述的理财产品评分系统，其中，所述获取评分数值单元中的所述预设评分数值处理方式包括归一化计算方式，所述归一化计算方法为：
    Figure PCTCN2018106374-appb-100003
    所述n为二级理财因子的个数，所述X n为每个二级理财因子的评分数值。
  12. 根据权利要求8所述的理财产品评分系统，其中，所述生成评定等级单元中的所述理财产品的综合评分的计算方法为：
    Figure PCTCN2018106374-appb-100004
    所述m为一级理财因子的个数，Y m为一级理财因子的评分数值，基金交易系统根据一级理财因子的评分数值，通过调用预设的所述理财产品综合评分的计算方法计算得到所述基金交易系统中的所有理财产品的综合评分，根据综合评分的数值大小从高到低进行排序后以生成所有理财产品的排行榜，并按照预设比例对所述理财产品的排行榜进行划定，以生成所述理财产品的评定等级。
  13. 根据权利要求8所述的理财产品评分系统，其中，所述生成评定等级单元中的所述预设比例根据所有理财产品需要划定的至少两类等级级数进行划定的。
  14. 根据权利要求8所述的理财产品评分系统，其中，还包括：
    创建理财产品评分模型单元，设置为以理财产品的四个一级理财因子为维度，基金交易系统在基金交易平台创建的评分模型。
  15. 一种计算机设备，包括数据库和处理器，所述数据库中存储有计算机可读指令，所述计算机可读指令被所述处理器执行时，使得所述处理器执行以下步骤：
    基金交易系统筛选一理财产品的一级理财因子和每个一级理财因子项下的二级理财因子；
    所述基金交易系统分别获取所述二级理财因子的评分数值，并根据所述二级理财因子的评分数值通过调用预设评分数值处理方式，获取所述一级理财因子的评分数值；
    所述基金交易系统根据所述一级理财因子的评分数值，按照预设的计算方法计算得到所述基金交易系统中的所有理财产品的综合评分，根据综合评分的数值大小从高到低进行排序后生成所有理财产品的排行榜，并按照预设比例对理财产品的排行榜进行划定出至少两类评定等级。
  16. 根据权利要求15所述的计算机设备，其中，所述预设评分数值处理方式时，使得所述处理器执行归一化计算方式，所述归一化计算方法为：
    Figure PCTCN2018106374-appb-100005
    所述n为二级理财因子的个数，所述X n为每个二级理财因子的评分数值。
  17. 根据权利要求15所述的计算机设备，其中，所述理财产品的综合评分的计算方法为：
    Figure PCTCN2018106374-appb-100006
    所述m为一级理财因子的个数，Y m为一级理财因子的评分数值，基金交易系统根据一级理财因子的评分数值，通过调用预设的所述理财产品综合评分的计算方法计算得到所述基金交易系统中的所有理财产品的综合评分，根据综合评分的数值大小从高到低进行排序后以生成所有理财产品的排行榜，并按照预设比例对所述理财产品的排行榜进行划定，以生成所述理财产品的评定等级。
  18. 一种存储有计算机可读指令的存储介质，所述计算机可读指令被一个或多个处理器执行时，使得一个或多个处理器执行以下步骤：
    基金交易系统筛选一理财产品的一级理财因子和每个一级理财因子项下的二级理财因子；
    所述基金交易系统分别获取所述二级理财因子的评分数值，并根据所述二级理财因子的评分数值通过调用预设评分数值处理方式，获取所述一级理财因子的评分数值；
    所述基金交易系统根据所述一级理财因子的评分数值，按照预设的计算方法计算得到所述基金交易系统中的所有理财产品的综合评分，根据综合评分的数值大小从高到低进行排序后生成所有理财产品的排行榜，并按照预设比例对理财产品的排行榜进行划定出至少两类评定等级。
  19. 根据权利要求18所述的存储介质，其中，所述预设评分数值处理方式时，使得一个或多个所述处理器执行归一化计算方式，所述归一化计算方法为：
    Figure PCTCN2018106374-appb-100007
    所述n为二级理财因子的个数，所述X n为每个二级理财因子的评分数值。
  20. 根据权利要求18所述的存储介质，其中，所述理财产品的综合评分的计算方法为：
    Figure PCTCN2018106374-appb-100008
    所述m为一级理财因子的个数，Y m为一级理财因子的评分数值，基金交易系统根据一级理财因子的评分数值，通过调用预设的所述理财产品综合评分的计算方法计算得到所述基金交易系统中的所有理财产品的综合评分，根据综合评分的数值大小从高到低进行排序后以生成所有理财产品的排行榜，并按照预设比例对所述理财产品的排行榜进行划定，以生成所述理财产品的评定等级。
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