WO2020000782A1

WO2020000782A1 - Financial product recommendation method and apparatus, computer device, and readable storage medium

Info

Publication number: WO2020000782A1
Application number: PCT/CN2018/110382
Authority: WO
Inventors: 徐光飞
Original assignee: 平安科技（深圳）有限公司
Priority date: 2018-06-28
Filing date: 2018-10-16
Publication date: 2020-01-02
Also published as: CN109242690A

Abstract

Embodiments of the present application relate to the technical field of communications, and provide a financial product recommendation method and apparatus, a computer device, and a computer non-volatile readable storage medium. The method comprises: obtaining financial information; then, extracting, according to preset first keyword information, target financial information corresponding to the first keyword information from the financial information; next, determining a current economic situation according to the target financial information; and further, pushing a specified financial product corresponding to the current economic situation according to the current economic situation. According to the technical solution provided in the present application, the current financial market and environment is taken into account, and risks caused by changes of the financial market and environment to a financial product purchased by a user are combined, and therefore, to a certain extent, the success rate of financial product recommendation is improved.

Description

Financial management product recommendation method, device, computer equipment and readable storage medium

This application claims the priority of a Chinese patent application filed with the Chinese Patent Office on June 28, 2018, with application number 201810687304.8, and the invention name is "Recommended Method, Apparatus, Computer Equipment, and Readable Storage Media for Financial Products", its entire content Incorporated by reference in this application.

Technical field

The present application relates to the field of communication technologies, and in particular, to a method, an apparatus, a computer device, and a computer non-volatile readable storage medium for recommending wealth management products.

Background technique

With the development of economy and technology, the financial industry has also launched more and more financial wealth management products. The idle funds in people's hands are no longer just for regular or current savings, but can also be used to purchase wealth management products. Existing financial recommendation methods can only recommend fixed financial products to users. For example, after a user opens a fund to purchase software, the fund purchase software recommends the currently promoted fund products to the user; after the user opens the stock purchase software, the stock purchase software recommends related stock products to the user. However, financial products used for financial management products are greatly affected by the market economy, and the risks of financial products are relatively high. When users purchase financial products, users pay more attention to the risks and returns of the financial products.

Existing financial recommendation products focus only on one or two products, and simply recommend one or two products to users. This financial product recommendation method obviously cannot meet the needs of users, and the success rate of financial product recommendation is low.

In summary, how to quickly and accurately recommend wealth management products to users is an urgent problem to be solved.

Application content

In view of this, the embodiments of the present application provide a method, device, computer equipment, and computer non-volatile readable storage medium for recommending wealth management products. By taking into account the current financial market and environment, comprehensive financial market and environmental changes are The risks brought by purchased wealth management products, thus, to a certain extent, provide the success rate of recommendation of wealth management products.

In a first aspect, an embodiment of the present application provides a method for recommending a wealth management product, the method includes: the method includes:

Obtain financial information;

Extracting target financial information corresponding to the first keyword information from the financial information according to preset first keyword information;

Determining the current economic situation based on the target financial information;

According to the current economic situation, a designated wealth management product corresponding to the current economic situation is pushed.

The aspect described above and any possible implementation manner further provide an implementation manner,

Before the pushing a designated financial product corresponding to the current economic situation according to the current economic situation, the method further includes: obtaining user financial information;

The pushing a designated financial product corresponding to the current economic situation according to the current economic situation includes: pushing the designated financial product according to the current economic situation and the user financial information.

The aspect described above and any possible implementation manner further provide an implementation manner, wherein the user financial information includes: user historical financial behavior information, user historical consumption information, and user identity information.

The aspect described above and any possible implementation manner further provide an implementation manner, and the acquiring financial information includes:

Obtaining the original information in the network indicated by the preset uniform resource locator;

According to the preset second keyword information, the financial information corresponding to the second keyword information is extracted from the original information.

According to the aspect described above and any possible implementation manner, an implementation manner is further provided, and the target corresponding to the first keyword information is extracted from the financial information according to the preset first keyword information. Financial information, including:

Determining an extraction range based on a preset rule and the first keyword information;

The specified information within the extracted range is determined as the target financial information.

Use sentence analysis algorithm to perform sentence segmentation processing on the financial information to obtain several short sentences;

Obtaining a target short sentence containing the first keyword information from the short sentences;

The target short sentence is determined as the target financial information.

The aspect described above and any possible implementation manner further provide an implementation manner, wherein determining the current economic situation based on the target financial information includes:

The pre-established economic analysis model is used to process the target financial information to obtain an economic curve chart.

In a second aspect, an embodiment of the present application provides a financial product recommendation device, where the device includes:

An obtaining unit for obtaining financial information;

An extraction unit, configured to extract target financial information corresponding to the first keyword information from the financial information according to preset first keyword information;

A determining unit, configured to determine a current economic situation according to the target financial information;

The pushing unit is configured to push a designated financial product corresponding to the current economic situation according to the current economic situation.

The obtaining unit is further configured to obtain user financial information;

The pushing unit is specifically configured to push the designated financial product according to the current economic situation and the user financial information.

The aspect described above and any possible implementation manner further provide an implementation manner, and the obtaining unit is specifically configured to:

According to the preset second keyword information, financial information corresponding to the second keyword information is extracted from the original information.

The aspect described above and any possible implementation manner further provide an implementation manner, and the extraction unit is specifically configured to:

The aspect described above and any possible implementation manner further provide an implementation manner, and the extraction unit is further specifically configured to:

The target short sentence is determined as the target financial information.

The aspect described above and any possible implementation manner further provide an implementation manner, and the determining unit is specifically configured to:

In a third aspect, an embodiment of the present application provides a computer device including a memory, a processor, and a computer program stored in the memory and executable on the processor. When the processor executes the computer program, A method for recommending a financial product according to any one of the first aspects.

According to a fourth aspect, an embodiment of the present application provides a computer non-volatile readable storage medium including computer-readable instructions. When the computer reads and executes the computer-readable instructions, the computer is caused to execute any of the first aspect. A method for recommending financial products.

The technical solution provided in this application extracts the corresponding target financial information from the financial information, so that based on the target financial information, the current economic situation can be judged, and based on the current economic situation, a financial management product corresponding to the current economic situation is recommended. The technical solution provided in this application determines the current economic situation and considers the impact of changes in the economic situation on the returns and risks of wealth management products. It recommends wealth management products corresponding to the current economic situation to users, so that the recommended wealth management products can better meet the needs of users. , Thereby improving the success rate of recommending financial products to users.

BRIEF DESCRIPTION OF THE DRAWINGS

In order to explain the technical solutions of the embodiments of the present application more clearly, the drawings used in the embodiments will be briefly introduced below. Obviously, the drawings in the following description are only some embodiments of the present application. Those of ordinary skill in the art can obtain other drawings based on these drawings without paying creative labor.

FIG. 1 is a schematic flowchart of a method for recommending a wealth management product according to an embodiment of the present application; FIG.

FIG. 2 is a schematic flowchart of another method for recommending wealth management products according to an embodiment of the present application; FIG.

FIG. 3 is a flowchart of another method for recommending wealth management products according to an embodiment of the present application; FIG.

4 is a functional block diagram of a financial product recommendation device provided by an embodiment of the present application;

FIG. 5 is a composition block diagram of a financial product recommendation device provided by an embodiment of the present application.

detailed description

In order to better understand the technical solution of the present application, the embodiments of the present application are described in detail below with reference to the accompanying drawings.

It should be clear that the described embodiments are only a part of the embodiments of the present application, and not all of the embodiments. Based on the embodiments in this application, all other embodiments obtained by a person of ordinary skill in the art without making creative work fall into the protection scope of this application.

The terms used in the embodiments of the present application are only for the purpose of describing specific embodiments, and are not intended to limit the present application. The singular forms "a", "the" and "the" used in the examples of the present application and the appended claims are also intended to include the plural forms unless the context clearly indicates otherwise.

It should be understood that the term “and / or” used herein is merely an association relationship describing an associated object, which means that there can be three kinds of relationships, for example, A and / or B can mean: A exists alone, and both A and B, there are three cases of B alone. In addition, the character "/" in this text generally indicates that the related objects are an "or" relationship.

It should be understood that although the terms first and second may be used to describe the keyword information in the embodiments of the present application, these keyword information should not be limited to these terms. These terms are only used to distinguish keyword information from each other. For example, without departing from the scope of the embodiments of the present application, the first keyword information may also be referred to as the second keyword information, and similarly, the second keyword information may also be referred to as the first keyword information.

Depending on the context, the word "if" as used herein can be interpreted as "at" or "when" or "responding to determination" or "responding to detection". Similarly, depending on the context, the phrases "if determined" or "if detected (the stated condition or event)" can be interpreted as "when determined" or "responded to the determination" or "when detected (the stated condition or event) ) "Or" in response to a test (statement or event stated) ".

In order to solve the problem that the recommended wealth management products in the prior art only focus on one or two products, resulting in a low accuracy rate of the wealth management product recommendation, the embodiment of the present application provides a method for recommending wealth management products. Taking into account the environment, the integrated financial market and environmental changes pose risks to the wealth management products purchased by users, thereby providing a certain degree of success in recommending wealth management products.

Please refer to FIG. 1, which is a schematic flowchart of a method for recommending a wealth management product according to an embodiment of the present application.

A financial product recommendation method provided in this application includes the following steps:

102. Obtain financial information.

104. Extract target financial information corresponding to the first keyword information from the financial information according to the preset first keyword information.

The first keyword information referred to in this application is a sensitive word or phrase capable of characterizing economic changes. The first keyword information may include, but is not limited to: increase, increase, decrease, decrease, year-on-year increase, year-on-year decrease, profit, loss, Elevation, smooth change, etc.

In this application, before the target financial information corresponding to the first keyword information is extracted from the financial information, an extraction rule may be set. When the target financial information is extracted, an extraction range is determined based on a preset rule and the first keyword information, thereby, The specified information within the extraction range is extracted, and the specified information is determined as the target financial information. For example, the set extraction rule is: extract the specified information between two periods (or other punctuation) adjacent to the first keyword information, based on the extraction rule, the target financial information extracted is the same as the first The corresponding information between two periods adjacent to the keyword information; for another example, the extraction rule is set to: extract the designation between two positions corresponding to a specified number of characters from the first keyword information on the same level Information, based on the extraction rule, the extracted target financial information is: the position corresponding to the specified number of characters from the first keyword information level left is designated as the first position, and the position corresponding to the first keyword information level is designated right from the level The position corresponding to the number character is the second position, and the corresponding information between the first position and the second position is extracted and determined as the target financial information. It should be noted that the extraction rules provided above are only two specific extraction rules provided for easy understanding, and this application does not specifically limit the extraction rules.

In addition, in the present application, the specific way to obtain the target financial information may be: based on the first keyword information, using natural language processing models to extract the specified information containing the first keyword information from the financial information as the target financial information, And / or, extracting, from the financial information, designated information containing information similar to the semantics of the first keyword information as target financial information.

Specifically, a process of extracting target financial information corresponding to the first keyword information from the financial information by using a natural language processing model is as follows: first, a sentence analysis process is performed on the financial information by using a syntax analysis algorithm to obtain A plurality of short sentences, wherein the syntax analysis algorithm may be syntactic structure analysis and / or dependency analysis; and then, obtain the target including the first keyword information from the plurality of short sentences A short sentence, thereby determining the target short sentence as the target financial information.

106. Determine the current economic situation based on the target financial information.

The economic development trend is affected by various factors such as environment, life, natural resources, and people's consumption. To be able to predict economic changes more accurately, when analyzing the current economic situation, it is necessary to comprehensively consider information from multiple dimensions. This inevitably makes every economic analysis calculation need to consume a lot of labor costs. Therefore, in order to save manpower costs, the present application proposes that an economic analysis model can be pre-established. After processing through the economic analysis model, information that can reflect the current economic situation is obtained. For example, a pre-established economic analysis model is used for the target financial information. After processing, an economic curve chart can be obtained, which can reflect the current economic situation.

Specifically, when the economic analysis model was established, it comprehensively considered a variety of factors affecting economic development, and also considered the influence of each factor on economic development, and assigned different factors to each factor based on the influence of each factor. Weight, and then based on these factors with different weights are summarized to establish an economic analysis model. Among them, the economic analysis model can be established by economic experts according to their own experience by configuring various parameters in the economic analysis model; or, it can also be established after training and learning using deep learning techniques; or, It can also be established by other methods, and the application does not specifically limit the method of establishing the economic analysis model.

108. According to the current economic situation, push a designated wealth management product corresponding to the current economic situation.

Specifically, different financial products have different sensitivities to changes in the economic situation. For example, if the current economy is in a downward trend, stock risks are higher and it is not easy to buy. Insurance, as a robust financial product, is less affected by economic fluctuations. At this time, you can push the wealth management product such as insurance to the user; if the current economy is in a downward trend, the stock returns are high and the return is fast, which is more suitable for purchasing. In this case, you can push the stock wealth management product to the user. What needs to be explained here is that the above two situations are only specific examples provided in this application. In this application, according to the current economic situation, pushing a designated financial product corresponding to the current economic situation includes not only the above two situations.

Optionally, different users may be interested in different types of financial products. For example, some users pay more attention to stocks, some users often buy fund products, and some users often buy futures products. Considering this situation, in order to ensure that The financial product recommended by the user is more in line with the purchasing habits of the user, thereby further improving the success rate of financial product recommendation and improving the user experience. In combination with the foregoing implementation methods, this application further provides another method for recommending financial products, as shown in Figure 2 According to the method, before executing step 108 according to the current economic situation and pushing a wealth management product corresponding to the current economic situation, the method also needs to understand the user's financial management habits, that is, it also needs to perform the following step 107:

107. Obtain user financial information.

In this application, the user financial information includes, but is not limited to, user historical financial behavior information, user historical consumption information, and user identity information. Among them, the user's historical financial behavior information may include, but is not limited to, information about the financial products that the user has purchased, the amount of money purchased, and the number of times a financial product has been purchased, the number of times that the user has searched and browsed, and the number of times that the financial product has been searched. The user's historical consumption information may include, but is not limited to, information about the product purchased, the amount of consumption, the time of consumption, and the place of consumption. The user identity information may include, but is not limited to: user name, user ID number or passport number, age, work situation and other information.

User financial information in this application can be obtained from the user information database. Specifically, the user information database may be a database established by a financial company based on user information of its own service, or may also include user information databases of other financial companies that have obtained access rights.

In addition, the amount of information stored in the user information database is relatively large. In order to be able to quickly obtain user financial information corresponding to a specific user, each user has a corresponding user ID. The user ID and the user financial information are stored in the user. Associated storage in the database, so that when user financial information is obtained in the user information data, the user financial information corresponding to the user ID can be quickly found based on the user ID. It should be noted here that the user identification may be a user login name, a user ID number, etc. The user identification may be sent by the user to the execution body through an interactive interface before the execution body executes the financial product recommendation method provided in this application.

What needs to be explained here is that the user's financial information and the current economic situation are two determinants of which financial product is recommended for the user. There is no logical sequence in the process of obtaining the corresponding steps of these two parameters, step 107 Obtaining user financial information can be performed before obtaining the step corresponding to the current economic situation, that is, step 107 can be performed before step 102; or, step 107 can also be performed after the executing entity obtains the current economic situation; or, this can be performed simultaneously The steps corresponding to the two parameters, that is, step 107 can be performed after step 102 or step 104, or any one of step 107 and step 102 or step 104 or step 106 and step 107 are performed simultaneously. The order in which the user's financial information and the current economic situation are obtained is not limited.

When comprehensively considering the user's financial preferences and the current economic situation, step 108 of pushing a designated financial product corresponding to the current economic situation according to the current economic situation includes: according to the current economic situation and the user's financial information, Push the designated wealth management product.

Optionally, in order to achieve the adoption rate of recommended financial products for users to adopt, ensuring the accuracy of the current economic form obtained is an important factor in solving this problem, and the key to ensuring the accuracy of the current economic form obtained is The parameter is financial information. The more accurate the obtained financial information is, the more accurate the current economic form determined through the analysis and processing of the financial information. Under the guidance of this idea, for the realization of step 102, combined with the foregoing method, further provide In another implementation manner, the flowchart is shown in FIG. 3, and obtaining financial information in step 102 specifically includes:

1021: Obtain original information in a network indicated by a preset URL (Uniform Resource Locator, Uniform Resource Locator).

Specifically, some authoritative web or APP (Application, computer application) websites or links related to financial information can be stored in the execution body. In the process of obtaining financial information, you can access these web sites or links , Use a packet capture tool to capture a snapshot file of the data in the web page (or APP) indicated by the URL or a screenshot of the web page to obtain the original information corresponding to the financial information. Among them, what needs to be explained here is that the more the execution subject visits the website or APP related to financial information, the more comprehensive the original information obtained, and the more comprehensive and accurate the financial information obtained.

It should also be noted that, when the execution body obtains the original information, it can obtain the original information in the network indicated by the preset URL in real time; or it can also obtain the original information in the network indicated by the preset URL periodically. If the required accuracy rate of the current economic situation is relatively high, the executing entity may perform real-time acquisition of the original information in the network indicated by the preset URL to ensure that the financial information corresponding to economic changes can be obtained in time, thereby ensuring the accuracy of the current economic form. If the requirements for the accuracy of the current economic form are relatively low and the operating speed is relatively high, the executing agent can execute the cycle to obtain the original information in the network indicated by the preset URL, which can reduce the running resources of the executing agent. Occupation, thereby increasing the execution speed of the execution subject. The period during which the execution body executes acquiring the original information in the network indicated by the preset URL may be set according to implementation requirements, which is not limited in this application.

1022. According to the preset second keyword information, financial information corresponding to the second keyword information is extracted from the original information.

The second keyword information referred to in this application is words related to economics and / or finance. The second keyword information may include, but is not limited to, economics, finance, finance, stocks, funds, real estate, assets or fixed assets, or Other relevant information.

It should be noted that the specific implementation process of extracting the financial information corresponding to the second keyword information from the original information is similar to the implementation process of step 104 described above. Therefore, the specific implementation process of step 1022 will not be repeated here. For implementation, please refer to the description of step 104.

This application further provides a device for implementing each step of the above-mentioned financial product product recommendation method. Please refer to FIG. 4, which is a functional block diagram of a financial product recommendation device according to an embodiment of the present application. The financial product recommendation device specifically includes:

An obtaining unit 21, configured to obtain financial information;

An extraction unit 22, configured to extract target financial information corresponding to the first keyword information from the financial information according to preset first keyword information;

A determining unit 23, configured to determine a current economic situation according to the target financial information;

The pushing unit 24 is configured to push a designated financial product corresponding to the current economic situation according to the current economic situation.

Optionally, in this application,

The obtaining unit 21 may also be used to obtain user financial information.

Wherein, the user financial information includes: user historical financial behavior information, user historical consumption information, and user identity information.

When the pushing unit 24 executes the pushing of the designated financial product corresponding to the current economic situation according to the current economic situation, the pushing unit 24 is specifically configured to include: pushing the designated financial situation according to the current economic situation and the user financial information. Financial product.

Optionally, when obtaining the financial information, the obtaining unit 21 in this application is specifically configured to:

Obtain the original information in the network indicated by the preset URL;

Optionally, the extraction unit 22 in this application is specifically configured to determine an extraction range based on a preset rule and first keyword information, and determine the specified information within the extraction range as the target financial information; or ,

Optionally, the extraction unit 22 in the present application is specifically configured to obtain a target financial information corresponding to the first keyword information by using a natural language processing algorithm based on the first keyword information.

Please refer to FIG. 5, which is a block diagram of a computer device according to an embodiment of the present application. As shown in FIG. 5, a computer device provided in an embodiment of the present application includes a memory 31, a processor 32, and a computer program stored in the memory 31 and executable on the processor 32, and the processor 32 executes The computer program implements the financial product recommendation method according to any one of the foregoing.

The technical solution provided in this application extracts the corresponding target financial information from the financial information, so that based on the target financial information, the current economic situation can be judged, and based on the current economic situation, a financial management product corresponding to the current economic situation is recommended. The technical solution provided in this application determines the current economic situation and considers the impact of changes in the economic situation on the benefits and risks of wealth management products. It recommends wealth management products corresponding to the current economic situation to users, so that the recommended wealth management products can better meet the needs of users , Thereby improving the success rate of recommending financial products to users.

An embodiment of the present application further provides a computer non-volatile readable storage medium, including computer-readable instructions. When the computer reads and executes the computer-readable instructions, the computer causes the computer to execute any one of the foregoing financial product recommendation methods. .

The technical solution provided in this application extracts the corresponding target financial information from the financial information, so that based on the target financial information, the current economic situation can be judged, and based on the current economic situation, a financial management product corresponding to the current economic situation is recommended. The technical solution provided in this application determines the current economic situation and considers the impact of changes in the economic situation on the returns and risks of wealth management products. It recommends wealth management products corresponding to the current economic situation to users, so that the recommended wealth management products can better meet the needs of users. , Thereby improving the success rate of recommending financial products to users. Those skilled in the art can clearly understand that, for the convenience and brevity of description, the specific working processes of the systems, devices, and units described above can refer to the corresponding processes in the foregoing method embodiments, and are not repeated here.

In the several embodiments provided in this application, it should be understood that the disclosed systems, devices, and methods may be implemented in other ways. For example, the device embodiments described above are only schematic. For example, the division of the unit is only a logical function division. In actual implementation, there may be another division manner. For example, multiple units or components may be combined. Or it can be integrated into another system, or some features can be ignored or not implemented. In addition, the displayed or discussed mutual coupling or direct coupling or communication connection may be indirect coupling or communication connection through some interfaces, devices or units, which may be electrical, mechanical or other forms.

The units described as separate components may or may not be physically separated, and the components displayed as units may or may not be physical units, which may be located in one place, or may be distributed on multiple network units. Some or all of the units may be selected according to actual needs to achieve the objective of the solution of this embodiment.

In addition, each functional unit in each embodiment of the present application may be integrated into one processing unit, or each of the units may exist separately physically, or two or more units may be integrated into one unit. The above integrated unit may be implemented in the form of hardware, or in the form of hardware plus software functional units.

The above integrated unit implemented in the form of a software functional unit may be stored in a computer-readable storage medium. The above software functional unit is stored in a storage medium and includes several instructions for causing a computer device (which may be a personal computer, a server, or a network device) or a processor to execute the methods described in the embodiments of the present application. Some steps. The foregoing storage media include: U disks, mobile hard disks, read-only memories (ROMs), random access memories (RAMs), magnetic disks or compact discs and other media that can store program codes .

The above are only preferred embodiments of this application, and are not intended to limit this application. Any modification, equivalent replacement, or improvement made within the spirit and principle of this application shall be included in this application Within the scope of protection.

Claims

A financial product recommendation method, characterized in that the method includes:

Obtain financial information;

Extracting target financial information corresponding to the first keyword information from the financial information according to preset first keyword information;

Determining the current economic situation based on the target financial information;

According to the current economic situation, a designated wealth management product corresponding to the current economic situation is pushed.
The method according to claim 1, wherein:

Before the pushing a designated financial product corresponding to the current economic situation according to the current economic situation, the method further includes: obtaining user financial information;

The pushing a designated financial product corresponding to the current economic situation according to the current economic situation includes: pushing the designated financial product according to the current economic situation and the user financial information.
The method according to claim 2, wherein the user's financial management information comprises: user historical financial behavior information, user historical consumption information, and user identity information.
The method according to claim 1, wherein the obtaining financial information comprises:

Obtaining the original information in the network indicated by the preset uniform resource locator;

According to the preset second keyword information, the financial information corresponding to the second keyword information is extracted from the original information.
The method according to claim 1, wherein the extracting target financial information corresponding to the first keyword information from the financial information according to preset first keyword information comprises:

Determining an extraction range based on a preset rule and the first keyword information;

The specified information within the extracted range is determined as the target financial information.
The method according to claim 1, wherein the extracting target financial information corresponding to the first keyword information from the financial information according to preset first keyword information comprises:

Use sentence analysis algorithm to perform sentence segmentation processing on the financial information to obtain several short sentences;

Obtaining a target short sentence containing the first keyword information from the short sentences;

The target short sentence is determined as the target financial information.
The method according to claim 1, wherein determining the current economic situation based on the target financial information comprises:

The pre-established economic analysis model is used to process the target financial information to obtain an economic curve chart.
A financial product recommendation device, characterized in that the device includes:

An obtaining unit for obtaining financial information;

An extraction unit, configured to extract target financial information corresponding to the first keyword information from the financial information according to preset first keyword information;

A determining unit, configured to determine a current economic situation according to the target financial information;

The pushing unit is configured to push a designated financial product corresponding to the current economic situation according to the current economic situation.
The financial product recommendation device according to claim 8, wherein:

Before the pushing unit is configured to push a designated financial product corresponding to the current economic situation according to the current economic situation, the obtaining unit is further configured to obtain user financial management information;

The pushing unit is configured to push a designated financial product corresponding to the current economic situation according to the current economic situation. Specifically, the pushing unit may push the designated financial product according to the current economic situation and the user financial information.
The device for recommending wealth management products according to claim 9, wherein the user wealth management information includes: historical wealth management behavior information of the user, historical consumption information of the user, and identity information of the user.
The financial product recommendation device according to claim 8, wherein the obtaining unit, when used for obtaining financial information, specifically comprises:

Obtaining the original information in the network indicated by the preset uniform resource locator;

According to the preset second keyword information, the financial information corresponding to the second keyword information is extracted from the original information.
The financial product recommendation device according to claim 8, wherein the extraction unit is configured to extract a target corresponding to the first keyword information from the financial information according to preset first keyword information. When financial information is used specifically:

Determining an extraction range based on a preset rule and the first keyword information;

The specified information within the extracted range is determined as the target financial information.
The financial product recommendation device according to claim 8, wherein the extraction unit is configured to extract a target corresponding to the first keyword information from the financial information according to preset first keyword information. When financial information is used specifically:

Use sentence analysis algorithm to perform sentence segmentation processing on the financial information to obtain several short sentences;

Obtaining a target short sentence containing the first keyword information from the short sentences;

The target short sentence is determined as the target financial information.
The financial product recommendation device according to claim 8, wherein the determining is used to determine the current economic situation based on the target financial information, and is specifically used to:

The pre-established economic analysis model is used to process the target financial information to obtain an economic curve chart.
A computer device includes a memory, a processor, and a computer program stored in the memory and executable on the processor. The computer device is characterized in that when the processor executes the computer program, the following steps are implemented:

Obtain financial information;

Extracting target financial information corresponding to the first keyword information from the financial information according to preset first keyword information;

Determining the current economic situation based on the target financial information;

According to the current economic situation, a designated wealth management product corresponding to the current economic situation is pushed.
The computer device according to claim 15, wherein:

Before executing the step of pushing a designated financial product corresponding to the current economic situation according to the current economic situation, when the processor executes the computer program, the following steps are also implemented:

Get user financial information;

Wherein, performing the step of pushing a designated financial product corresponding to the current economic situation according to the current economic situation specifically includes: pushing the designated financial product according to the current economic situation and the user financial information.
The computer device according to claim 15, wherein when the processor executes the computer program, the step of obtaining the financial information specifically includes:

Obtaining the original information in the network indicated by the preset uniform resource locator;

According to the preset second keyword information, the financial information corresponding to the second keyword information is extracted from the original information.
The computer device according to claim 15, wherein when the processor executes the computer program, the processor is configured to extract the first keyword information from the financial information and the first keyword information according to preset first keyword information. The steps of the target financial information corresponding to the keyword information include:

Determining an extraction range based on a preset rule and the first keyword information;

The specified information within the extracted range is determined as the target financial information.
The computer device according to claim 15, wherein when the processor executes the computer program, the processor is configured to extract the first keyword information from the financial information and the first keyword information according to preset first keyword information. The steps of the target financial information corresponding to the keyword information include:

Use sentence analysis algorithm to perform sentence segmentation processing on the financial information to obtain several short sentences;

Obtaining a target short sentence containing the first keyword information from the short sentences;

The target short sentence is determined as the target financial information.
A computer non-volatile readable storage medium, comprising computer-readable instructions, and when the computer reads and executes the computer-readable instructions, causes the computer to execute the method according to any one of claims 1-7 Methods.