WO2022036702A1 - Procédé et appareil d'avertissement pour produit de sécurité d'actif, dispositif électronique et support de stockage - Google Patents

Procédé et appareil d'avertissement pour produit de sécurité d'actif, dispositif électronique et support de stockage Download PDF

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Publication number
WO2022036702A1
WO2022036702A1 PCT/CN2020/110551 CN2020110551W WO2022036702A1 WO 2022036702 A1 WO2022036702 A1 WO 2022036702A1 CN 2020110551 W CN2020110551 W CN 2020110551W WO 2022036702 A1 WO2022036702 A1 WO 2022036702A1
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Prior art keywords
asset
securities
target
loan information
income
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PCT/CN2020/110551
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English (en)
Chinese (zh)
Inventor
王化
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深圳技术大学
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Priority to PCT/CN2020/110551 priority Critical patent/WO2022036702A1/fr
Publication of WO2022036702A1 publication Critical patent/WO2022036702A1/fr

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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
    • G06Q40/00—Finance; Insurance; Tax strategies; Processing of corporate or income taxes
    • G06Q40/02—Banking, e.g. interest calculation or account maintenance
    • 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
    • G06Q40/04—Trading; Exchange, e.g. stocks, commodities, derivatives or currency exchange

Definitions

  • the invention relates to the technical field of asset securities supervision, in particular to an early warning method, device, electronic device and storage medium for asset securities products.
  • the decentralization and anti-tampering of chain technology can effectively solve the above problems and promote the healthy development of the asset securitization industry.
  • the financial market represented by digital assets has the characteristics of a combination of finance and blockchain technology.
  • risks of financial attributes and risks of innovative technology are easy to gather in various financial trading platforms such as cross-regional and cross-organization.
  • the current various blockchains are easy to cause information islands, which makes it difficult to integrate the blockchain and asset securities fields, and it is difficult to monitor asset securities products in the asset securitization market.
  • This application provides an early warning method, device, electronic device and storage medium for asset securities products, which can solve the technology that is difficult to integrate between blockchain and asset securities fields, and the monitoring of asset securities products in the asset securitization market is difficult. question.
  • a first aspect of the present invention provides an early warning method for an asset securities product, the method comprising:
  • a corresponding target early warning signal is generated according to the target security risk, so as to control the issuing of a warning.
  • the steps include:
  • the loan information record table including at least one loan information record
  • the step of generating a corresponding asset block from the loan information according to a preset asset management contract includes:
  • the step of generating the corresponding asset block from the encrypted loan information according to the preset asset management contract includes:
  • the corresponding asset block on the blockchain is generated according to the preset asset management contract.
  • the step of determining the target asset securities product in the basic asset pool according to the asset block that complies with the preset income rule includes:
  • the corresponding target asset securities product is determined according to the asset block in the basic asset pool.
  • the step of evaluating the corresponding target securities risks according to the income rules and the obtained actual income data of a plurality of the target asset securities products includes:
  • the target security risk corresponding to the target asset security product is evaluated as high risk.
  • An asset securities data table is established by using the loan information, the target asset securities product and the target securities risk for the user to query.
  • a second aspect of the present invention provides an early warning device for asset securities products, the device comprising:
  • an asset generation module configured to generate a corresponding asset block from the loan information according to a preset asset management contract when new loan information is detected
  • a product determination module configured to determine a target asset securities product in a basic asset pool according to the asset block that complies with a preset income rule, wherein the basic asset pool includes a plurality of different target asset securities products;
  • a risk assessment module configured to respectively assess the corresponding target securities risks according to the income rules and the obtained actual income data of a plurality of the target asset securities products
  • An early warning generating module is used to generate a corresponding target early warning signal according to the risk of the target securities, so as to control the issuing of warnings.
  • a third aspect of the present invention provides an electronic device, comprising: a memory, a processor, and a communication bus, the communication bus is communicatively connected to the memory and the processor, respectively, the memory is coupled to the processor, and the A computer program is stored in the memory, and when the processor executes the computer program, each step in the early warning method for an asset securities product of the first aspect is implemented.
  • a fourth aspect of the present invention provides a storage medium, where the storage medium is a computer-readable storage medium, and a computer program is stored on the computer-readable storage medium, and when the computer program is executed by a processor, the first aspect is implemented.
  • the early warning method for asset securities products includes: when new loan information is detected, generating the corresponding asset block according to the loan information according to the preset asset management contract; according to the asset block conforming to the preset income rule Determine the target asset securities products in the underlying asset pool, wherein the underlying asset pool contains multiple different target asset securities products; evaluate the corresponding target securities risks according to the income rules and the actual income data obtained from multiple target asset securities products; The target security risk generates corresponding target early warning signals to control the issuance of warnings.
  • the loan information is generated into asset blocks according to the preset asset management contracts, the difficulty of combining the blockchain and the asset securities field is reduced, and the asset blocks that conform to the income rules are selected to determine the target asset securities products. Compare the actual return data of asset securities products with the preset return rules, evaluate the corresponding target securities risks, and issue alarms based on the target securities risks, so as to effectively monitor the risks of asset securities products in the asset securitization market, with high reliability sex.
  • FIG. 1 is a structural diagram of an early warning system for asset securities products provided by an embodiment of the present invention
  • FIG. 2 is a flowchart of steps of an early warning method for an asset securities product provided by an embodiment of the present invention
  • FIG. 3 is a block diagram of a module of an early warning device for asset securities products according to an embodiment of the present invention.
  • FIG. 4 is a structural diagram of an electronic device provided by an embodiment of the present invention.
  • the present invention provides an early warning method, device, electronic device and storage medium for asset securities products.
  • FIG. 1 is an architecture diagram of an early warning system for asset securities products provided by an embodiment of the present invention.
  • the asset securities supervision system architecture is a cloud platform system architecture.
  • the cloud platform system is based on asset management contracts.
  • the supervision system of asset securities established on the chain can be applied to the supervision of asset securities, such as asset securities corresponding to loans.
  • the present invention uses the loan information to generate corresponding asset securities products through the asset securities supervision system, and conducts risk monitoring according to the actual income data of the asset securities products, so as to ensure a higher degree of security and reduce the need for intermediaries.
  • This model effectively combines the non-centralized characteristics of asset securitization product transactions, and applies asset management contracts to the asset securitization market to realize the organic combination of blockchain and financial markets.
  • the asset securities supervision system has multiple data terminals.
  • the asset securities supervision system architecture at least includes: a server 101, a transaction request terminal 102 and a risk warning terminal 103, which may include multiple transaction request terminals 102, For example, N transaction request terminals 102 are included to satisfy simultaneous requests from multiple users or clients; and multiple risk warning terminals 103 may also be included to achieve different levels of warning.
  • the server 101 and the transaction requesting terminal 102 can realize data interaction, and the server 101 and the risk warning terminal 103 can realize data interaction, and the transaction requesting terminal 102 can provide users or clients with a transaction request link of transaction events or a transaction requesting terminal 102 port;
  • the server 101 data processing is performed on the transaction data corresponding to the transaction event of the transaction request terminal 102, the transaction information corresponding to the asset securities product is updated, the risk coefficient of the asset securities product is evaluated in real time according to the transaction data, and the transaction data information is stored and uploaded in real time;
  • the risk warning terminal 103 responds to the risk coefficient of the server terminal 101 to make a risk warning.
  • the transaction request terminal 102 is used to provide a transaction request link or a transaction request terminal 102 port for a transaction event for the user or client, wherein the transaction event includes a loan or repayment, that is, the transaction request can be a loan transaction request or a repayment transaction. ask. Further, after a user or client registers an individual account in the asset securities supervision system or platform, he or she can log in to the transaction request terminal 102 at the terminal by logging in with the individual account, and use the transaction request terminal 102 to communicate with the asset securities supervision system.
  • the server 101 of the platform conducts asset transactions, and obtains the information corresponding to the asset securities products provided by the asset securities supervision system or the server 101 of the platform, so as to make transaction requests for related transaction events, such as making loans through the transaction requester 102 For a transaction request, select the current target asset securities product for loan; or make a repayment transaction request through the transaction request terminal 102, select the current target asset securities product for repayment.
  • the server 101 is the data terminal for data processing and data storage of the asset securities supervision system, and has the capability of data interaction with other data terminals, such as data interaction in response to the transaction request from the transaction request terminal 102 .
  • the server 101 includes: a service supply part, a processor, and a data storage part; wherein, the service supply part is used to receive and send a transaction request with the transaction requester 102, and realize the data of the server 101 and the transaction requester 102.
  • the processor is used to calculate and process transaction data, generate asset securities products, realize repayment transactions for asset securities products, and evaluate the risks of asset securities products;
  • the data storage unit is used to store processed transaction data, For example, the product number, repayment party, amount, start time and expiration time corresponding to asset securities products are stored, and these data are stored in the form of asset securities tables; it should be noted that the processor can also call the data storage part by calling the The asset securities table is sent to the transaction requesting terminal 102 through the service supply department for the user to learn. Further, when a user or client sends a loan transaction request at the transaction requesting terminal 102, the loan transaction request includes loan information such as loan amount, loan time, expected repayment time, amount to be repaid at the expected repayment time, interest rate, etc.
  • the server 101 generates an asset block according to the user's loan information according to a preset asset management contract.
  • the asset block conforms to the income rules, it is established as an asset securities product, that is, when the loan information conforms to the income rules, such as loan amount, loan time, and repayment rules.
  • the loan transaction request sent by the customer to the system or platform is approved, and the loan request is successful.
  • the repayment transaction request includes repayment information such as repayment amount and repayment time
  • the user selects the corresponding target asset securities by requesting the transaction terminal
  • the product performs repayment transaction to complete the repayment transaction; in addition, when the user selects the corresponding target asset securities product for repayment transaction by requesting the transaction terminal, and the repayment amount and repayment time do not meet the income rules, if the repayment amount does not The expected repayment amount that meets the income rules, or the repayment time does not meet the expected repayment time of the income rules.
  • the server 101 If the repayment amount is less than the imperial repayment amount, or the repayment time is later than the expected repayment time, the server 101 It will be determined that the repayment transaction request this time does not meet the standard, and the risk warning signal or risk warning data will be generated when evaluating the risk of the target asset securities product.
  • the risk warning terminal 103 is a port used for risk warnings or prompts of the asset securities supervision system, and can be used to bring warnings or prompts to relevant personnel, such as SMS prompts and the like.
  • the risk early warning terminal 103 After receiving the risk early warning signal or risk early warning data sent by the server 101, performs early warning according to the received data related to the wind direction warning, so that the relevant personnel Master the default risk of asset securities products in real time to further reduce the losses caused by default of asset securities products.
  • FIG. 2 is a flowchart of steps of an early warning method for asset securities products provided by an embodiment of the present invention.
  • An embodiment of the present invention provides an early warning method for asset securities products, which is applied to the supervision of asset securities shown in FIG. 1 . system, wherein, when the processor of the server 101 executes the program, it implements the early warning method for asset securities products in this embodiment, and the method includes the following steps:
  • Step S201 when new loan information is detected, generate a corresponding asset block from the loan information according to a preset asset management contract.
  • the loan information is the loan information proposed by the user or the client.
  • the loan information may include: the name of the lender, the loan amount, the loan Request time, expected loan repayment time, expected loan repayment amount per unit time, loan interest rate, etc.
  • the asset securities platform will store the item of loan information in the loan information record table, which is The record table that stores the loan information corresponding to the loan transaction request sent by each customer can store the loan information items of multiple users.
  • the asset securities platform will check the loan information record table within the preset unit time.
  • a corresponding asset block is generated from the loan information according to a preset asset management contract.
  • the preset asset management contract is used to manage the loan information.
  • the loan information can be converted into a data format that conforms to the blockchain-based asset securities platform; the asset securities platform is used to process the loan information, and the processed loan information is uploaded to the blockchain. And generate the asset block corresponding to the loan information.
  • this asset block is an asset data block that records loan information to the blockchain-based asset securities platform.
  • the asset block does not mean that the user's loan transaction request is successful.
  • the asset block generated by the asset management contract conforms to the asset securities platform, which reduces the difficulty of combining the blockchain and the asset securities field, makes the integration of loan information and the asset securities platform based on the blockchain, and improves the transaction of the asset securities platform. Data processing efficiency.
  • Step S202 Determine the target asset securities products in the basic asset pool according to the asset blocks conforming to the preset income rules, wherein the basic asset pool includes a plurality of different target asset securities products.
  • the preset income rule is a rule set by the asset securities platform, and the income rule is not limited to include: loan amount limit, loan payment time, repayment expected time, loan interest rate and other data thresholds.
  • the loan information corresponding to the asset block is obtained, and when the data related to the loan information meets or satisfies the data threshold corresponding to the income rule, for example, when the loan amount in the loan information meets the loan amount limit of the income rule, it is determined that the asset block meets the According to the preset income rules, multiple asset blocks are formed into a basic asset pool, or the asset blocks are added to the established basic asset pool; in addition, loan information or related information corresponding to multiple asset blocks can also be formed The basic asset pool, or the loan information or related information corresponding to the asset block is added to the basic asset pool.
  • the target asset securities product to be established is determined according to the asset block in the basic asset pool or the loan information corresponding to the asset block, and the basic asset pool may contain a plurality of different target asset securities products.
  • the asset blocks that conform to the preset income rules can be screened to establish the target asset securities product, effectively preventing loan information that does not conform to the income rules from being added to the basic asset pool and established as the target asset securities product, increasing the target Risks of asset securities products; by executing this step, supervision at the stage of establishing target asset securities products can be realized, screening of loan information can be realized, risks of establishing target asset securities products can be reduced, and reliability can be improved.
  • Step S203 Evaluate the corresponding target securities risks according to the income rules and the obtained actual income data of the multiple target asset securities products.
  • the actual income data of the target asset securities product needs to be obtained.
  • the user sends a repayment transaction request to the asset securities platform within the expected repayment time, and the repayment transaction request includes actual repayment information and actual repayment time. etc.
  • the transaction information includes: repayment amount information, repayment time, that is, to determine the actual repayment amount and repayment time, and determine the target asset according to the transaction information.
  • Actual income data corresponding to securities products are not limited to a repayment transaction request.
  • the preset income rule is a rule set by the asset securities platform, and the income rule is not limited to including: loan amount limit, expected repayment time, loan interest rate, loan repayment amount within the expected time and other data thresholds;
  • the set income rules are compared with the actual income data corresponding to the target asset securities products.
  • the repayment time in the actual income data is after the expected repayment time in the income rules, or the actual income data in the actual income data. If the repayment amount is less than the loan repayment amount threshold within the expected time period, the target security risk corresponding to the target asset securities product is assessed as high risk; otherwise, the target security risk is assessed as low risk.
  • the cash flow recovery of loan assets is assessed by querying the repayment status and basic information of the target asset securities product, and then the risk of the securitization product is assessed, so as to grasp the default risk of the underlying asset in real time, thereby improving the asset management system.
  • the risk monitoring of securitization can avoid losses caused by the default of target asset securities products, which is reliable.
  • Step S204 Generate a corresponding target early warning signal according to the risk of the target securities, so as to control the issuing of a warning.
  • a target early warning signal is generated according to the assessed target security risk.
  • the early warning terminal sends out various warning methods.
  • Warning when the risk is low, a lower level of target warning signal is generated to control a single target warning terminal to issue warning warning.
  • the risk early warning terminal or the corresponding early warning device can directly issue a warning after responding to the target warning signal. For example, by issuing the corresponding warning icon or warning symbol on the terminal interface, it can also cooperate with the operator to give a reminder through SMS.
  • the warning method is not specifically limited in this embodiment.
  • the present invention provides an early warning method for asset securities products, comprising: when new loan information is detected, generating a corresponding asset block from the loan information according to a preset asset management contract; The block determines the target asset securities products in the base asset pool, wherein the base asset pool contains multiple different target asset securities products; according to the income rules and the obtained actual income data of multiple target asset securities products, the corresponding target securities risks are evaluated respectively.
  • the loan information is generated into asset blocks according to the preset asset management contracts, the difficulty of combining the blockchain and the asset securities field is reduced, and the asset blocks that conform to the income rules are selected to determine the target asset securities products. Compare the actual return data of asset securities products with the preset return rules, evaluate the corresponding target securities risks, and issue alarms based on the target securities risks, so as to effectively monitor the risks of asset securities products in the asset securitization market, with high reliability sex.
  • step S201 the early warning method for an asset securities product provided by the embodiment of the present invention further includes the following steps:
  • the asset securities platform corresponding to the early warning method of the asset securities product presets a unit time
  • the unit time is the interval time for checking the loan information record table of the asset securities platform.
  • the unit time can be set to 5 seconds, 10 seconds, 30 seconds, 1 minute, or 5 minutes, etc., which are not limited in this embodiment, and can be set according to actual conditions.
  • the time is the time of the loan transaction request, or the actual time of generating the loan information record corresponding to the loan information; further, the application time is paired with the actual time corresponding to the previous unit time, and when the application time is within the previous unit time, Then, the loan information record is considered to be the loan information record generated in the previous unit time, and it is determined that the application time of the loan information record matches the unit time, and then it is determined that there is new loan information.
  • new loan information can be detected in real time, so that the loan transaction request made by the user to the asset securities platform can be learned in real time, and then the user can respond and improve the user experience.
  • step S201 may specifically include:
  • the loan information is encrypted on the chain to obtain the encrypted loan information
  • step S201 the asset securities platform will detect the loan information record table within a preset unit time, and when it detects that the loan information record relative to the previous preset unit time contains a new loan information item, it is deemed that there is a user
  • a new loan transaction request is made, that is, new loan information is detected; the asset securities platform requests to record the loan information item, that is, the loan information is put on the chain.
  • the loan information such as the name of the lender, the amount of the loan, and the time of the loan request
  • the information is uploaded to the chain, and the loan information is encrypted on the chain to ensure the security of the loan information such as the name of the lender, the loan amount, and the time of the loan request.
  • the encrypted loan information is generated according to the preset asset management contract to generate the corresponding asset block.
  • the loan information can be converted into a data format conforming to the blockchain-based asset securities platform through the asset management contract.
  • Use the asset securities platform to process loan information, upload the processed loan information to the blockchain, and generate asset blocks corresponding to the loan information, reduce the difficulty of combining blockchain and asset securities, and make loan information
  • the integration with the blockchain-based asset securities platform improves the transaction data processing efficiency of the asset securities platform.
  • step of generating the corresponding asset block from the encrypted loan information according to the preset asset management contract includes:
  • the corresponding asset block on the blockchain is generated according to the preset asset management contract.
  • the transaction information can be the identity information of the lender, such as the lender's name, ID number, etc.
  • the transaction information also includes: loan amount, loan request time, loan request time, etc.; transactions related to extracting encrypted loan information information, evaluate the authenticity of the loan information according to the extracted transaction information, such as whether the name and ID number found in the identity information of the borrower match, and whether the loan amount and the requested loan time are reliable, such as the loan amount is 100 yuan, If the loan request time is 50 years, it can be determined that the transaction information in the corresponding loan information is unreliable.
  • the minimum loan amount and the maximum loan amount can be set, and the loan request period can also be set.
  • the loan request period may be one year at the latest, etc., which is not limited in this embodiment, and may be set according to the current actual economic situation.
  • the encrypted loan information is converted into a data format conforming to the blockchain-based asset securities platform through the asset management contract, the asset securities platform is used to process the loan information, and the processed loan information is uploaded to the blockchain.
  • the asset securities platform generates the asset blocks corresponding to the loan information, which reduces the difficulty of combining the blockchain and the asset securities field, enables the integration of loan information and the asset securities platform based on the blockchain, and improves the transaction data processing of the asset securities platform. effectiveness.
  • step S202 may specifically include:
  • the corresponding target asset securities products are determined according to the asset blocks in the underlying asset pool.
  • the preset income rule is a rule set by the asset securities platform, and the income rule is not limited to including data thresholds such as the expected repayment time, the loan interest rate, and the required repayment amount at the expected repayment time. Further, extract or obtain the pre-return information corresponding to the asset block, the pre-return information is the expected data of the loan information filled in when the user sends a loan transaction request, that is, after the user makes a loan, in the subsequent repayment process.
  • the pre-return information includes: pre-payment time, pre-loan interest rate, pre-payment amount and other data information, when the data related to the pre-return information meets or meets the data threshold corresponding to the income rule, such as pre-return
  • the loan interest rate in the information is greater than the loan yield threshold of the income rule, or the repayment amount is greater than the repayment amount threshold of the expected repayment time, or the repayment time is less than the expected repayment time threshold
  • the asset block is determined to meet the
  • multiple asset blocks that meet the income rules are formed into a basic asset pool, or an asset block that meets the income rules is added to the established basic asset pool; in addition, the loan information corresponding to multiple asset blocks can also be added. Or related information to form a basic asset pool, or add loan information or related information corresponding to the asset block to the basic asset pool.
  • the target asset securities product to be established is determined according to the asset block in the basic asset pool or the loan information corresponding to the asset block, and the basic asset pool may contain a plurality of different target asset securities products.
  • asset blocks that conform to preset income rules can be screened to establish target asset securities products, effectively preventing loan information that does not conform to income rules from being added to the basic asset pool and established as target asset securities products, increasing the target Risks of asset securities products; by executing this step, supervision at the stage of establishing target asset securities products can be realized, screening of loan information can be realized, risks of establishing target asset securities products can be reduced, and reliability can be improved.
  • step S203 may specifically include:
  • the target security risk corresponding to the target asset security product is assessed to be low risk
  • the target security risk corresponding to the target asset security product is evaluated as high risk.
  • the actual income data of the target asset securities product needs to be obtained.
  • the user sends a repayment transaction request to the asset securities platform within the expected repayment time, and the repayment transaction request includes actual repayment information and actual repayment time. Wait.
  • the actual repayment information is taken as an example, and the actual repayment information section is understood as the actual repayment amount.
  • the actual income data corresponding to one or more target asset securities products are respectively queried, where the actual income data includes: the repayment amount.
  • the preset income rule is a rule set by the asset securities platform, the income threshold is the loan repayment amount threshold within the expected time in the income rule, and the preset income rule is matched with the actual income data corresponding to the target asset securities product.
  • the target securities risk corresponding to the target asset securities product is evaluated as low risk; otherwise, if If the repayment amount in the actual income data is less than the loan repayment amount threshold within the expected time period, the target securities risk corresponding to the target asset securities product is evaluated as high risk.
  • the cash flow recovery of loan assets is assessed by querying the repayment status and basic information of the target asset securities product, and then the risk of the securitization product is assessed, so as to grasp the default risk of the underlying asset in real time, thereby improving the asset management system.
  • the risk monitoring of securitization can avoid losses caused by the default of target asset securities products, which is reliable.
  • step S203 it further includes:
  • an asset securities data table is established by using the loan information, the target asset securities product and the target securities risk for the user to query.
  • an asset securities data table is generated by using loan information, target asset securities products and target securities risks.
  • the asset securities data table can be stored in a database or a data storage terminal, and the asset securities data table can be called by a processor, and passed through The service provider sends it to the client or the transaction requester for the user's reference or reference.
  • the service provider sends it to the client or the transaction requester for the user's reference or reference.
  • the asset securities data table may also be established by using other data, such as the expected repayment time, loan interest rate, etc., which will not be further described in this embodiment.
  • FIG. 3 is a block diagram of a module of an early warning device for asset securities products according to an embodiment of the present invention.
  • the early warning device for asset securities products corresponds to an executive body processor of an early warning method for asset securities products.
  • the device 300 includes:
  • the asset generation module 301 is configured to generate a corresponding asset block from the loan information according to a preset asset management contract when new loan information is detected;
  • the product determination module 302 is configured to determine the target asset securities product in the basic asset pool according to the asset block conforming to the preset income rule, wherein the basic asset pool contains a plurality of different target asset securities products;
  • a risk assessment module 303 configured to respectively assess the corresponding target securities risks according to the income rules and the obtained actual income data of multiple target asset securities products;
  • the early warning generation module 304 is configured to generate a corresponding target early warning signal according to the risk of the target securities, so as to control the issuing of warnings.
  • the apparatus 300 further includes: a data establishment module 305;
  • the data establishment module 305 is used for establishing an asset securities data table by using loan information, target asset securities products and target securities risks, for users to query.
  • the present invention provides an early warning device for asset securities products, including: an asset generation module 301, a product determination module 302, a risk assessment module 303, an early warning generation module 304 and a data establishment module 305; specifically, first, when a new loan is detected information, the loan information is generated by the asset generation module 301 according to the preset asset management contract to generate the corresponding asset block; the product determination module 302 is used to determine the target asset securities product in the basic asset pool according to the asset block that conforms to the preset income rules , wherein the underlying asset pool includes a plurality of different target asset securities products; the risk assessment module 303 evaluates the corresponding target securities risks according to the income rules and the actual income data of the multiple target asset securities products obtained; through the early warning generation module 304 Generate a corresponding target early warning signal according to the target security risk to control the warning; and use the loan information, target asset security product and target security risk to create an asset security data table through the data establishment module 305 for the user to query.
  • the loan information is generated into asset blocks according to the preset asset management contracts, the difficulty of combining the blockchain and the asset securities field is reduced, and the asset blocks that conform to the income rules are selected to determine the target asset securities products. Compare the actual return data of asset securities products with the preset return rules, evaluate the corresponding target securities risks, and issue alarms based on the target securities risks, so as to effectively monitor the risks of asset securities products in the asset securitization market, with high reliability sex.
  • the present invention provides an electronic device, please refer to FIG. 4 , which is a structural diagram of an electronic device provided by an embodiment of the present invention.
  • the electronic device includes: a memory 401 , a processor 402 , and a communication bus 403 , and the communication bus 403 is connected to the memory 401 and 401 respectively.
  • the processor 402 is communicatively connected, the memory 401 is coupled to the processor 402, and a computer program is stored in the memory 401.
  • the processor 402 executes the computer program, each step in the early warning method for any of the above-mentioned asset securities products is implemented.
  • the computer program of the early warning method for asset securities products mainly includes: when new loan information is detected, generating the corresponding asset block from the loan information according to the preset asset management contract;
  • the asset block determines the target asset securities products in the base asset pool, wherein the base asset pool contains multiple different target asset securities products; the corresponding target securities are evaluated respectively according to the income rules and the actual income data obtained from multiple target asset securities products risk.
  • the computer program can also be divided into one or more modules, and the one or more modules are stored in a memory and executed by a processor to accomplish the present invention.
  • One or more modules may be a series of computer program instruction segments capable of performing a specified function, and the instruction segments are used to describe the execution of the computer program in a computing device.
  • the computer program can be divided into an asset generation module 301, a product determination module 302, a risk assessment module 303, an early warning generation module 304, and a data creation module 305 as shown in FIG. 3 .
  • the processor 402 may be a central processing module (Central Processing Unit, CPU), other general-purpose processors, Digital Signal Processor (DSP), Application Specific Integrated Circuit (ASIC), Field-Programmable Gate Array (Field-Programmable Gate Array, FPGA) or other programmable logic devices, discrete gate or transistor logic devices, discrete hardware components, etc.
  • CPU Central Processing Unit
  • DSP Digital Signal Processor
  • ASIC Application Specific Integrated Circuit
  • FPGA Field-Programmable Gate Array
  • a general purpose processor may be a microprocessor or the processor may be any conventional processor or the like.
  • the present invention also provides a storage medium, where the storage medium is a computer-readable storage medium, and a computer program is stored on the computer-readable storage medium.
  • the computer program is executed by a processor, any one of the above-mentioned early warning methods for asset securities products is realized. of the various steps.
  • the disclosed apparatus and method may be implemented in other manners.
  • the apparatus embodiments described above are only illustrative.
  • the division of the modules is only a logical function division. In actual implementation, there may be other division methods.
  • multiple modules or components may be combined or Can be integrated into another system, or some features can be ignored, or not implemented.
  • the shown or discussed mutual coupling or direct coupling or communication connection may be through some interfaces, indirect coupling or communication connection of devices or modules, and may be in electrical, mechanical or other forms.
  • modules described as separate components may or may not be physically separated, and the components shown as modules may or may not be physical modules, that is, may be located in one place, or may be distributed to multiple network modules. Some or all of the modules may be selected according to actual needs to achieve the purpose of the solution in this embodiment.
  • each functional module in each embodiment of the present invention may be integrated into one processing module, or each module may exist physically alone, or two or more modules may be integrated into one module.
  • the above-mentioned integrated modules can be implemented in the form of hardware, and can also be implemented in the form of software function modules.
  • the integrated modules are implemented in the form of software functional modules and sold or used as independent products, they may be stored in a computer-readable storage medium.
  • the technical solution of the present invention is essentially or the part that contributes to the prior art, or all or part of the technical solution can be embodied in the form of a software product, and the computer software product is stored in a storage medium , including several instructions for causing a computer device (which may be a personal computer, a server, or a network device, etc.) to execute all or part of the steps of the methods described in the various embodiments of the present invention.
  • the aforementioned storage medium includes: U disk, mobile hard disk, Read-Only Memory (ROM, Read-Only Memory), Random Access Memory (RAM, Random Access Memory), magnetic disk or optical disk and other media that can store program codes .

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Abstract

L'invention concerne un procédé d'avertissement pour un produit de sécurité d'actif, consistant à : lors de la détection de nouvelles informations de prêt, générer des informations de prêt en un bloc d'actifs correspondant selon un contrat de gestion d'actifs prédéfini (S201) ; déterminer des produits de sécurité d'actif cibles dans un groupe d'actifs de base selon un bloc d'actif satisfaisant une règle de revenus prédéfinie, le groupe d'actifs de base comprenant une pluralité de produits de sécurité d'actif cibles différents (S202) ; évaluer respectivement des risques de sécurité cibles correspondants selon la règle des revenus et des données de revenus effectifs obtenues de la pluralité de produits de sécurité d'actif cibles (S203) ; et générer des signaux d'avertissement cibles correspondants selon les risques de sécurité cibles pour commander la fourniture d'une alarme (S204). Par la mise en œuvre du présent procédé, des informations de prêt sont générées en un bloc d'actifs selon un contrat de gestion d'actifs prédéfini, un bloc d'actifs satisfaisant une règle de revenus est sélectionné pour déterminer des produits de sécurité d'actif cibles et des risques de sécurité cibles correspondants sont évalués selon des données de revenus effectifs des produits de sécurité d'actif cibles et la règle de revenus prédéfinie pour surveiller efficacement le risque du produit de sécurité d'actif sur le marché de la titrisation d'actifs.
PCT/CN2020/110551 2020-08-21 2020-08-21 Procédé et appareil d'avertissement pour produit de sécurité d'actif, dispositif électronique et support de stockage WO2022036702A1 (fr)

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CN114881763A (zh) * 2022-05-18 2022-08-09 中国工商银行股份有限公司 养殖业贷后监管方法、装置、设备和介质
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CN116402621A (zh) * 2023-03-28 2023-07-07 新分享科技服务(深圳)有限公司 基于区块链和人工智能的底层资产穿透管理方法及系统
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CN117235608B (zh) * 2023-11-14 2024-03-29 山东京北方金融科技有限公司 风险检测方法、装置、电子设备及存储介质
CN117273921A (zh) * 2023-11-21 2023-12-22 北京智慧金源信息科技有限公司 一种应收账款资产证券化管理系统及方法
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CN117579633A (zh) * 2024-01-17 2024-02-20 腾讯科技（深圳）有限公司 区块竞选方法、装置、设备及存储介质
CN117579633B (zh) * 2024-01-17 2024-04-09 腾讯科技（深圳）有限公司 区块竞选方法、装置、设备及存储介质

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