金融产品组合的适配方法、装置、设备及存储介质

Method, device, equipment and storage medium for adapting financial product combination

文档序号：9154 发布日期：2021-09-17 浏览：60次中文

1. A method for adapting a portfolio of financial products, the method comprising:

acquiring a pool entry task execution request, wherein the pool entry task execution request carries a pool entry task identification set;

determining financial product combination identification according to each pooling task identification in the pooling task identification set to obtain a financial product combination identification set to be preprocessed;

acquiring a financial product combination list, and performing financial product combination searching from the financial product combination list according to the financial product combination identification set to be preprocessed to obtain a financial product combination set to be analyzed;

finding out the financial product combination configured with the automatic pooling rule from the financial product combination set to be analyzed to obtain a financial product combination set to be adjusted;

acquiring a financial product list, and acquiring financial products from the financial product list according to the automatic pooling rule of each financial product combination in the financial product combination set to be adjusted to obtain a plurality of initially-selected pooled financial product sets;

performing pool check on financial products according to the basic information of the financial product combination of each financial product combination in the financial product combination set to be adjusted, the automatic pool entering rule and the primarily selected pool entering financial product set to obtain a plurality of target pool entering financial product sets;

updating each financial product combination of the set of financial product combinations to be adjusted according to each target pooling financial product set.

2. The method of claim 1, wherein the step of obtaining the pooling task execution request is preceded by the step of:

acquiring a financial product combination creating request;

responding to the financial product combination establishing request, and acquiring basic information of the financial product combination to be processed;

creating a financial product combination according to the basic information of the financial product combination to be processed to obtain a financial product combination to be configured;

displaying a rule configuration interface according to the financial product combination to be configured to obtain a target rule configuration interface;

acquiring an automatic pooling rule to be processed and an automatic pooling rule to be processed according to the target rule configuration interface;

associating the to-be-processed automatic pooling rule and the to-be-processed automatic pooling rule with the to-be-configured financial product combination to obtain a configured financial product combination;

updating the configured financial product portfolio into the list of financial product portfolios.

3. The method of claim 2, wherein the step of obtaining the pending auto-pooling rules and the pending auto-pooling rules according to the target rule configuration interface comprises:

acquiring pooling rule configuration data according to the basic information of the financial product combination to be processed and the target rule configuration interface, wherein the pooling rule configuration data comprises: rule object identification and rule object configuration data;

performing automatic pooling rule generation according to the pooling rule configuration data to obtain the to-be-processed automatic pooling rule;

obtaining pool rule configuration data according to the basic information of the financial product combination to be processed and the target rule configuration interface, wherein the pool rule configuration data comprises: the rule object identification and the rule object configuration data;

and performing automatic pool outlet rule generation according to the pool outlet rule configuration data to obtain the to-be-processed automatic pool outlet rule.

4. The method of claim 2, wherein the step of associating the pending auto-pooling rules and the pending auto-pooling rules with the financial product portfolio to be configured to obtain a configured financial product portfolio further comprises:

performing pool-entering timing task creation according to the configured financial product combination to obtain a to-be-executed pool-entering timing task;

performing pool-out timing task creation according to the configured financial product combination to obtain a to-be-executed pool-out timing task;

and sending the to-be-executed pool-entering timed task and the to-be-executed pool-exiting timed task to a timed task scheduling module, wherein the timed task scheduling module performs timed execution on the to-be-executed pool-entering timed task and the to-be-executed pool-exiting timed task through a timed task trigger.

5. The method of claim 1, wherein the step of updating each of the set of financial product combinations to be adjusted according to each of the set of targeted pooled financial products comprises:

acquiring one financial product combination from each financial product combination in the financial product combination set to be adjusted as a financial product combination to be pooled;

according to the pool-entering approval rule of the financial product combination to be pooled, whether each financial product in the target pool-entering financial product set corresponding to the financial product combination to be pooled is approved or not is judged, and a plurality of pool-entering approval judgment results are obtained;

when the result of the inspection and approval of the entering pool is not required, adding all the financial products which are not required to be inspected and approved as the result of the inspection and approval of the entering pool into the combination of the financial products to be entered into the pool;

when the in-pool approval judgment result is in need of approval, sending all the financial products of which the in-pool approval judgment result is in need of approval to an approval end, and acquiring the in-pool approval result sent by the approval end;

when the result of the in-pool approval is that the financial products are allowed to enter the pool, adding all the financial products of which the result of the in-pool approval is that the financial products are allowed to enter the pool into the to-be-entered financial product combination;

repeating the step of obtaining one financial product combination from each financial product combination of the set of financial product combinations to be adjusted as a financial product combination to be pooled until the obtaining of the financial product combination of the set of financial product combinations to be adjusted is completed.

6. The method of adapting a financial product portfolio of claim 1, further comprising:

acquiring a pool task execution request, wherein the pool task execution request carries a pool task identification set;

determining financial product combined identification according to each pool task identification in the pool task identification set to obtain a financial product combined identification set to be processed;

finding out the financial product combination configured with the automatic pool-out rule from each financial product combination corresponding to the financial product combination identification set to be processed to obtain a financial product combination set to be processed;

acquiring financial products needing to be pooled from a target financial product set of each financial product combination in the financial product combination set to be processed according to the automatic pooling rule of each financial product combination in the financial product combination set to be processed respectively to obtain a plurality of target pooled financial product sets;

updating each financial product portfolio of the set of financial product portfolios to be processed according to each of the target pooled financial product portfolios.

7. The method of claim 6, wherein said step of updating each of said sets of financial products of said set of combinations of financial products to be processed in accordance with each of said set of target pooled financial products comprises:

obtaining one financial product combination from each financial product combination in the set of financial product combinations to be processed as a financial product combination to be pooled;

according to the out-of-pool approval rules of the to-be-out-of-pool financial product combinations, whether each financial product in the target out-of-pool financial product set corresponding to the to-be-out-of-pool financial product combinations is approved or not is judged, and a plurality of out-of-pool approval judgment results are obtained;

when the out-of-pool approval judging result is that the examination and approval are not required, deleting all the financial products of which the out-of-pool approval judging result is that the examination and approval are not required from the to-be-out-of-pool financial product combination;

when the out-of-pool approval judgment result is in need of approval, sending all the financial products of which the out-of-pool approval judgment result is in need of approval to an approval end, and acquiring the out-of-pool approval result sent by the approval end;

when the result of the out-of-pool approval is that the out-of-pool is permitted, deleting all the financial products of which the result of the out-of-pool approval is that the out-of-pool is permitted from the to-be-out-of-pool financial product combination;

repeating the step of obtaining one financial product combination from each financial product combination of the set of financial product combinations to be processed as a financial product combination to be pooled until the obtaining of the financial product combination of the set of financial product combinations to be processed is completed.

8. An apparatus for adapting a financial product portfolio, the apparatus comprising:

the request acquisition module is used for acquiring a pool task execution request, and the pool task execution request carries a pool task identification set;

the financial product combination identifier set determining module is used for determining the financial product combination identifier according to each pooling task identifier in the pooling task identifier set to obtain a financial product combination identifier set to be preprocessed;

the financial product combination set determining module is used for acquiring a financial product combination list, and performing financial product combination searching from the financial product combination list according to the financial product combination identification set to be preprocessed to obtain a financial product combination set to be analyzed;

the financial product combination set determining module is used for finding out the financial product combination configured with the automatic pooling rule from the financial product combination set to be analyzed to obtain a financial product combination set to be adjusted;

the primary pool financial product set determining module is used for acquiring a financial product list, acquiring financial products from the financial product list according to the automatic pool entry rule of each financial product combination in the financial product combination set to be adjusted, and acquiring a plurality of primary pool financial product sets;

the target pool-entering financial product set determining module is used for performing pool-entering verification on financial products according to the basic financial product combination information, the automatic pool-entering rules and the initially selected pool-entering financial product set of each financial product combination in the to-be-adjusted financial product combination set to obtain a plurality of target pool-entering financial product sets;

and the financial product combination updating module is used for updating each financial product combination of the financial product combination set to be adjusted according to each target pooling financial product set.

9. A computer device comprising a memory and a processor, the memory storing a computer program, wherein the processor implements the steps of the method of any one of claims 1 to 7 when executing the computer program.

10. A computer-readable storage medium, on which a computer program is stored, which, when being executed by a processor, carries out the steps of the method of any one of claims 1 to 7.

Background

The financial product combination generally refers to that some financial products (such as bonds, stocks, funds and the like) which are selected from the investment market and have operational significance are put into a product combination, and an investor selects financial products suitable for buying from the financial product combination according to the situation and the quotation change of the investor. The financial product combination embodies an investment combination, namely, one money is scattered to be invested into several financial products, and the investment risk is favorably reduced. Therefore, the selection of financial products within a financial product portfolio is desirable, such as different industry collocations, high-benefit (meaning high-risk at the same time) and low-risk (meaning low-benefit at the same time), long-short term collocations, and the like.

In the prior art, because the number of financial products is large, a method of screening financial products to put in a financial product combination according to the rating of the financial products is adopted at regular intervals. However, the characteristics of the financial products are uncertain and can change in real time, which results in low accuracy of the combination of the financial products, influences the control of investors on investment positions, and may cause great economic loss to the investors.

Disclosure of Invention

The application mainly aims to provide a financial product combination adaptation method, a financial product combination adaptation device and a financial product combination storage medium, and aims to solve the technical problem that in the prior art, a method for screening financial products to be put into a financial product combination regularly according to the rating of the financial products is adopted, and the accuracy of the financial product combination is low due to real-time change.

In order to achieve the above object, the present application proposes a method for adapting a financial product portfolio, the method comprising:

acquiring a pool entry task execution request, wherein the pool entry task execution request carries a pool entry task identification set;

updating each financial product combination of the set of financial product combinations to be adjusted according to each target pooling financial product set.

Further, before the step of obtaining the request for executing the pooling task, the method further includes:

acquiring a financial product combination creating request;

responding to the financial product combination establishing request, and acquiring basic information of the financial product combination to be processed;

creating a financial product combination according to the basic information of the financial product combination to be processed to obtain a financial product combination to be configured;

displaying a rule configuration interface according to the financial product combination to be configured to obtain a target rule configuration interface;

acquiring an automatic pooling rule to be processed and an automatic pooling rule to be processed according to the target rule configuration interface;

updating the configured financial product portfolio into the list of financial product portfolios.

Further, the step of obtaining the to-be-processed automatic pooling rule and the to-be-processed automatic pooling rule according to the target rule configuration interface includes:

performing automatic pooling rule generation according to the pooling rule configuration data to obtain the to-be-processed automatic pooling rule;

and performing automatic pool outlet rule generation according to the pool outlet rule configuration data to obtain the to-be-processed automatic pool outlet rule.

Further, after the step of associating the to-be-processed automatic pooling rule and the to-be-processed automatic pooling rule with the to-be-configured financial product combination to obtain a configured financial product combination, the method further includes:

performing pool-entering timing task creation according to the configured financial product combination to obtain a to-be-executed pool-entering timing task;

performing pool-out timing task creation according to the configured financial product combination to obtain a to-be-executed pool-out timing task;

Further, the step of updating each financial product portfolio of the set of financial product portfolios to be adjusted according to each of the target pooling financial product portfolios comprises:

acquiring one financial product combination from each financial product combination in the financial product combination set to be adjusted as a financial product combination to be pooled;

Further, the method further comprises:

acquiring a pool task execution request, wherein the pool task execution request carries a pool task identification set;

updating each financial product portfolio of the set of financial product portfolios to be processed according to each of the target pooled financial product portfolios.

Further, the step of updating each financial product portfolio of the set of financial product portfolios to be processed according to each of the set of target pooled financial products comprises:

obtaining one financial product combination from each financial product combination in the set of financial product combinations to be processed as a financial product combination to be pooled;

The application also proposes an adaptation device of a financial product portfolio, the device comprising:

the request acquisition module is used for acquiring a pool task execution request, and the pool task execution request carries a pool task identification set;

The present application further proposes a computer device comprising a memory and a processor, the memory storing a computer program, the processor implementing the steps of any of the above methods when executing the computer program.

The present application also proposes a computer-readable storage medium having stored thereon a computer program which, when being executed by a processor, carries out the steps of the method of any of the above.

The application relates to a financial product combination adapting method, a device, equipment and a storage medium, which comprises the steps of firstly obtaining a pool task execution request carrying a pool task identification set, secondly determining a financial product combination identification according to each pool task identification in the pool task identification set to obtain a financial product combination identification set to be preprocessed, according to the financial product combination identification set to be preprocessed, carrying out financial product combination searching from a financial product combination list to obtain a financial product combination set to be analyzed, finding out a financial product combination configured with an automatic pool entering rule from the financial product combination set to be analyzed to obtain a financial product combination set to be adjusted, and then respectively obtaining a financial product from the financial product list according to the automatic pool entering rule of each financial product combination in the financial product combination set to be adjusted, the method comprises the steps of obtaining a plurality of primary pooling financial product sets, conducting pooling verification on financial products according to financial product combination basic information, automatic pooling rules and the primary pooling financial product sets of each financial product combination in the to-be-adjusted financial product combination set respectively to obtain a plurality of target pooling financial product sets, and finally updating each financial product combination of the to-be-adjusted financial product combination set according to each target pooling financial product set, so that automatic financial product selection and financial product combination updating according to a pooling task execution request and the automatic pooling rules are achieved, financial product combination optimization can be conducted rapidly according to changes occurring in real time, and accuracy of financial product combinations is improved.

Drawings

FIG. 1 is a flow chart illustrating a method for adapting a financial product portfolio according to an embodiment of the present application;

FIG. 2 is a block diagram schematically illustrating the structure of an apparatus for adapting a financial product portfolio according to an embodiment of the present application;

fig. 3 is a block diagram illustrating a structure of a computer device according to an embodiment of the present application.

The implementation, functional features and advantages of the objectives of the present application will be further explained with reference to the accompanying drawings.

Detailed Description

In order to make the objects, technical solutions and advantages of the present application more apparent, the present application is described in further detail below with reference to the accompanying drawings and embodiments. It should be understood that the specific embodiments described herein are merely illustrative of the present application and are not intended to limit the present application.

Referring to fig. 1, an embodiment of the present application provides a method for adapting a financial product portfolio, the method including:

s1: acquiring a pool entry task execution request, wherein the pool entry task execution request carries a pool entry task identification set;

s2: determining financial product combination identification according to each pooling task identification in the pooling task identification set to obtain a financial product combination identification set to be preprocessed;

s3: acquiring a financial product combination list, and performing financial product combination searching from the financial product combination list according to the financial product combination identification set to be preprocessed to obtain a financial product combination set to be analyzed;

s4: finding out the financial product combination configured with the automatic pooling rule from the financial product combination set to be analyzed to obtain a financial product combination set to be adjusted;

s5: acquiring a financial product list, and acquiring financial products from the financial product list according to the automatic pooling rule of each financial product combination in the financial product combination set to be adjusted to obtain a plurality of initially-selected pooled financial product sets;

s6: performing pool check on financial products according to the basic information of the financial product combination of each financial product combination in the financial product combination set to be adjusted, the automatic pool entering rule and the primarily selected pool entering financial product set to obtain a plurality of target pool entering financial product sets;

s7: updating each financial product combination of the set of financial product combinations to be adjusted according to each target pooling financial product set.

The embodiment obtains a pooling task execution request carrying a pooling task identification set, then determines financial product combination identifications according to each pooling task identification in the pooling task identification set to obtain a financial product combination identification set to be preprocessed, searches financial product combinations from a financial product combination list according to the financial product combination identification set to be preprocessed to obtain a financial product combination set to be analyzed, finds out financial product combinations configured with automatic pooling rules from the financial product combination set to be adjusted to obtain a financial product combination set to be adjusted, then obtains financial products from the financial product list according to the automatic pooling rules of each financial product combination in the financial product combination set to be adjusted to obtain a plurality of initially selected pooling financial product sets, the financial product pool check is carried out according to the financial product combination basic information, the automatic pool entering rule and the initial pool entering financial product set of each financial product combination in the financial product combination set to be adjusted, a plurality of target pool entering financial product sets are obtained, and finally, each financial product combination in the financial product combination set to be adjusted is updated according to each target pool entering financial product set, so that the financial products are automatically selected and updated to the financial product combinations according to the pool entering task execution request and the automatic pool entering rule, the financial product combinations are optimized rapidly according to changes occurring in real time, and the accuracy of the financial product combinations is improved.

For S1, the request for executing the pool task input by the user may be obtained, the request for executing the pool task input by the third-party application system may also be obtained, or the request for executing the pool task triggered by the application program according to the preset trigger condition of the pool task may also be obtained. For example, the timed task scheduling module actively triggers the request for executing the task entering the pool according to the parameter of the timed task entering the pool through the timed task trigger.

The pooling task execution request is a request for screening financial products into a financial product portfolio.

The pooling task identification set comprises one or more pooling task identifications. The pooling task identifier may be data uniquely identifying one pooling task, such as a pooling task name, a pooling task ID, and the like. It is to be understood that the pooling task may be a timed task (also referred to as a pooling timed task) or a non-timed task.

It will be appreciated that each pooling task corresponds to a combination of financial products.

And S2, acquiring financial product combined identifications from the parameters of the pooling task corresponding to each pooling task identification in the pooling task identification set respectively, and taking all the acquired financial product combined identifications as a financial product combined identification set to be preprocessed.

The financial product portfolio identifier may be a financial product portfolio ID or the like that uniquely identifies a financial product portfolio.

For S3, the financial product portfolio list may be obtained from a database, a user-entered financial product portfolio list may be obtained, or a third-party application system may be obtained.

The financial product portfolio list includes: the financial product combination identification, the basic information of the financial product combination, the automatic pooling rule and the financial product set. The basic information of the financial product combination includes but is not limited to: the financial product portfolio name, the financial product portfolio category, the financial product portfolio investment market, the financial product portfolio investment variety, and the financial product maximum upper limit quantity. Financial product portfolio categories include, but are not limited to: one or more of bonds, stocks, funds. Financial product portfolio investment markets include, but are not limited to: and (3) one or more of an upper exchange, a deep exchange and a harbor stock traffic. Financial product portfolio investment varieties include, but are not limited to: one or more of bonds, stocks, funds. The maximum upper limit amount of the financial product is a specific value. It will be appreciated that each of the financial product combinations may be provided as a pool.

Optionally, the financial product combination list further includes: and (5) automatically outputting the pool rule.

The automatic pooling rules include: the financial product entering pool primary selection rule and the financial product entering pool rule. The financial product pooling initial selection rule is a rule aiming at the financial product rating data of the financial product and the rating data of the institution to which the financial product belongs. The financial product pooling rule is a rule for matching basic information of financial products of the financial products and basic information of financial product combination and industries to which the financial products belong.

The automatic out-of-pool rules include: the financial product pool-out primary selection rule and the financial product pool-out rule. The financial product pool initial selection rule is a rule aiming at the financial product rating data of the financial products in the financial product combination and the rating data of the institution to which the financial products belong. The financial product pool-outlet rule is a rule for matching the basic information of the financial products in the financial product combination with the basic information of the financial product combination in the industry to which the financial products belong.

The financial product rating data includes: a long-term rating of the financial product, a short-term rating of the financial product. The rating data of the institution to which the financial product belongs includes: a long-term rating of an institution to which the financial product belongs, and a short-term rating of an institution to which the financial product belongs.

Searching each financial product combination identifier in the financial product combination identifier set to be preprocessed in the financial product combination list, taking the financial product set corresponding to each financial product combination identifier searched in the financial product combination list as a financial product combination to be analyzed, taking each financial product combination identifier searched in the financial product combination list, basic information of the corresponding financial product combination identifier and an automatic pooling rule as associated data, and taking the associated data as parameters of the financial product combination to be analyzed; and taking all the financial product combinations to be analyzed as a financial product combination set to be analyzed.

And S4, respectively carrying out non-null value judgment on the financial product combination set to be analyzed in the automatic pooling rules respectively corresponding to the financial product combinations to be analyzed, and when the automatic pooling rule corresponding to the financial product combination to be analyzed is a non-null value, taking all the financial product combinations to be analyzed with the non-null value as the financial product combination set to be adjusted.

For S5, the financial product list may be obtained from the database, the financial product list input by the user may be obtained, and the financial product list may be obtained from a third-party application system.

The list of financial products includes, but is not limited to: the financial product identification, the basic information of the financial product, the industry to which the financial product belongs, the rating data of the financial product and the rating data of the institution to which the financial product belongs. The financial product identification may be a financial product ID or the like that uniquely identifies a financial product. The basic information of the financial product includes but is not limited to: financial product name, expiration date. The financial product belongs to the industry, and is the industry to which the financial product belongs.

And acquiring financial products meeting the automatic pooling rules of the combinations of financial products to be initially selected from the financial product list, and using all the acquired financial products as initial pooling financial product sets corresponding to the combinations of the financial products to be initially selected, wherein the combinations of the financial products to be initially selected are any one of the financial product sets to be adjusted.

For example, if the financial product pooling initial selection rule is "the long-term rating of the bond is greater than AA", the financial product is "BD 001", and the long-term rating of the bond is AAA ", the financial product conforms to the financial product pooling initial selection rule, and the" BD001 ", the long-term rating of the bond is AAA" may be put into the initial pooling financial product set, which is not specifically limited by the example.

For S6, acquiring a financial product from the primary pool-entering financial product set corresponding to the to-be-pooled judged financial product combination as the to-be-pooled judged financial product; according to the basic information of the financial products to be pooled and judged, the industries to which the financial products belong and the basic information of the financial product combinations to be pooled and judged, whether the financial product pooling rules of the automatic pooling rules corresponding to the financial product combinations to be pooled and judged are met is judged, and when the financial products to be pooled and judged are met, the financial products to be pooled and judged are placed into the target pooling financial product set corresponding to the financial product combinations to be pooled and judged; wherein the pooling judgment financial product combination is any one of the financial product combinations in the set of financial product combinations to be adjusted.

For example, the financial product pooling rule of the financial product combination "bond pool 001" is that "the pool category is bond, the investment market is trade, and the investment variety is bond", the financial products "national bond 001, trade and" stock 003, exchange "," national bond 001, exchange "the pool category is bond, the investment market is trade, and the investment variety is bond", so that "national bond 001, exchange" can be put into the target pooling financial product set corresponding to the financial product combination "bond pool 001", and "stock, exchange" is that the pool category is not bond, the investment market is trade, and the investment variety is bond ", so that" stock 003, exchange "cannot be put into the target pooling financial product set corresponding to the financial product combination" bond pool 001 ", which is not specifically limited in this example.

For S7, adding the target pooling financial product set to be added to the financial product combination corresponding to the target pooling financial product set to be added, wherein the target pooling financial product set to be added is any one of the target pooling financial product sets.

In an embodiment, before the step of obtaining the request for executing the pooling task, the method further includes:

s11: acquiring a financial product combination creating request;

s12: responding to the financial product combination establishing request, and acquiring basic information of the financial product combination to be processed;

s13: creating a financial product combination according to the basic information of the financial product combination to be processed to obtain a financial product combination to be configured;

s14: displaying a rule configuration interface according to the financial product combination to be configured to obtain a target rule configuration interface;

s15: acquiring an automatic pooling rule to be processed and an automatic pooling rule to be processed according to the target rule configuration interface;

s16: associating the to-be-processed automatic pooling rule and the to-be-processed automatic pooling rule with the to-be-configured financial product combination to obtain a configured financial product combination;

s17: updating the configured financial product portfolio into the list of financial product portfolios.

The method and the device perform financial product combination creation according to basic information of the financial product combination to be processed, and configure automatic pool entering rules and automatic pool exiting rules for the created financial product combination, so that automation of pool entering and pool exiting of the financial product combination is improved, optimization of the financial product combination is rapidly performed according to changes occurring in real time, and accuracy of the financial product combination is further improved.

For S11, the request for creating the combination of financial products inputted by the user may be obtained, and the request for creating the combination of financial products inputted by the third-party application system may also be obtained.

A financial product portfolio creation request, a request to create a new financial product portfolio.

For S12, in response to the financial product portfolio creation request, the basic information of the pending financial product portfolio input by the user is acquired.

The basic information of the financial product combination to be processed is the basic information of the financial product combination to be created.

And S13, creating a financial product combination according to the basic information of the financial product combination to be processed, and taking the created financial product combination as the financial product combination to be configured.

And S14, displaying the financial product combination to be configured on a rule configuration interface, and taking the displayed rule configuration interface as a target rule configuration interface.

The target rule configuration interface is a Web (global area network) page.

For S15, acquiring an automatic pooling rule configured by a user according to the target rule configuration interface as the to-be-processed automatic pooling rule; and acquiring an automatic pool output rule configured by a user according to the target rule configuration interface as the automatic pool output rule to be processed.

For S16, the to-be-processed automatic pooling rule and the to-be-processed automatic pooling rule are used as parameters of the to-be-configured financial product combination, and then the to-be-configured financial product combination is used as the configured financial product combination.

For S17, the configured financial product portfolio is added to the list of financial product portfolios.

In an embodiment, the step of obtaining the to-be-processed automatic pooling rule and the to-be-processed automatic pooling rule according to the target rule configuration interface includes:

s151: acquiring pooling rule configuration data according to the basic information of the financial product combination to be processed and the target rule configuration interface, wherein the pooling rule configuration data comprises: rule object identification and rule object configuration data;

s152: performing automatic pooling rule generation according to the pooling rule configuration data to obtain the to-be-processed automatic pooling rule;

s153: obtaining pool rule configuration data according to the basic information of the financial product combination to be processed and the target rule configuration interface, wherein the pool rule configuration data comprises: the rule object identification and the rule object configuration data;

s154: and performing automatic pool outlet rule generation according to the pool outlet rule configuration data to obtain the to-be-processed automatic pool outlet rule.

According to the embodiment, the automatic pool entering rule and the automatic pool exiting rule are configured by adopting the rule object, the configuration flow is simplified, and the configuration speed is improved.

For S151, the user acquires one or more rule object identifiers from the rule object library on the target rule configuration interface, uses each acquired rule object identifier as a rule object identifier to be configured into the pool, inputs pooled rule object configuration data for each rule object identifier to be configured into the pool according to the basic information of the financial product combination to be processed, uses the rule object identifier to be configured into the pool and the corresponding rule object configuration data as association data, and uses the association data as pooled rule configuration data.

The rule object library comprises: a rule object identification and a rule object script. Operational expressions are defined in the rule object script. It will be appreciated that data and rule object configuration data are input to the rule object script, the rule object script performs an operation in accordance with the input data in conjunction with the rule object configuration data, and the rule object script outputs an operation result upon completion of the operation.

The rule object identification may be a rule object name, a rule object ID, or the like, that uniquely identifies a rule object script.

And S152, generating an automatic pooling rule according to all data in the pooling rule configuration data by adopting a generating rule of the automatic pooling rule, and taking the generated automatic pooling rule as the to-be-processed automatic pooling rule.

For S153, the user acquires one or more rule object identifiers from the rule object library on the target rule configuration interface, uses each acquired rule object identifier as a rule object identifier to be configured out of the pool, inputs out-of-pool rule object configuration data for each rule object identifier to be configured out of the pool according to the basic information of the financial product combination to be processed, uses the rule object identifier to be configured out of the pool and the corresponding rule object configuration data as association data, and uses the association data as out-of-pool rule configuration data.

And S154, generating an automatic pool output rule according to all data in the pool output rule configuration data by adopting a generation rule of the automatic pool output rule, and taking the generated automatic pool output rule as the to-be-processed automatic pool output rule.

In an embodiment, after the step of associating the to-be-processed automatic pooling rule and the to-be-processed automatic pooling rule with the to-be-configured financial product combination to obtain the configured financial product combination, the method further includes:

s161: performing pool-entering timing task creation according to the configured financial product combination to obtain a to-be-executed pool-entering timing task;

s162: performing pool-out timing task creation according to the configured financial product combination to obtain a to-be-executed pool-out timing task;

s163: and sending the to-be-executed pool-entering timed task and the to-be-executed pool-exiting timed task to a timed task scheduling module, wherein the timed task scheduling module performs timed execution on the to-be-executed pool-entering timed task and the to-be-executed pool-exiting timed task through a timed task trigger.

According to the embodiment, the pool entering timed task creation is carried out according to the configured financial product combination, and the pool exiting timed task creation is carried out according to the configured financial product combination, so that the pool entering and exiting operations of the financial product combination are carried out in a timed mode, the automation of the pool entering and exiting of the financial product combination is further improved, the financial product combination is optimized rapidly according to changes occurring in real time, and the accuracy of the financial product combination is further improved.

For S161, performing timed task creation according to the configured financial product combination, and taking the created timed task as a to-be-configured pooling timed task; and acquiring a scheduling function component identifier set and scheduling time configuration data input by a user according to the to-be-configured pooling timed task, associating the acquired scheduling function component identifier set and scheduling time configuration data with the to-be-configured pooling timed task, and then taking the to-be-configured pooling timed task as the to-be-executed pooling timed task. The set of scheduling function component identifications includes one or more scheduling function component identifications.

The parameters of the pooling timing task to be executed include, but are not limited to: the system comprises a timing task identifier, a timing task type, a financial product combination identifier, a scheduling functional component identifier set and scheduling time configuration data, wherein the timing task type is set as a pool task.

The scheduling function component identifies the class package name and method name of the Java (object oriented programming language) to be called encapsulated in the corresponding component.

Alternatively, the schedule time configuration data may be set to be executed once per 7 o' clock. It is understood that the schedule configuration data can also be set to other execution manners, such as once per hour, which is not specifically limited by this example.

For S162, a timing task is established according to the configured financial product combination, and the established timing task is used as a pool-out timing task to be configured; and acquiring a scheduling function component identification set and scheduling time configuration data input by a user according to the out-of-pool timing task to be configured, associating the acquired scheduling function component identification set and scheduling time configuration data with the out-of-pool timing task to be configured, and then taking the out-of-pool timing task to be configured as the out-of-pool timing task to be executed.

The parameters of the out-pool timing task to be executed include, but are not limited to: the system comprises a timing task identifier, a timing task type, a financial product combination identifier, a scheduling functional component identifier set and scheduling time configuration data, wherein the timing task type is set as a pool task.

For S163, the to-be-executed pool entering timed task and the to-be-executed pool exiting timed task are sent to the timed task scheduling module.

In one embodiment, the step of updating each financial product portfolio of the set of financial product portfolios to be adjusted according to each of the target pooling financial product portfolios includes:

s71: acquiring one financial product combination from each financial product combination in the financial product combination set to be adjusted as a financial product combination to be pooled;

s72: according to the pool-entering approval rule of the financial product combination to be pooled, whether each financial product in the target pool-entering financial product set corresponding to the financial product combination to be pooled is approved or not is judged, and a plurality of pool-entering approval judgment results are obtained;

s73: when the result of the inspection and approval of the entering pool is not required, adding all the financial products which are not required to be inspected and approved as the result of the inspection and approval of the entering pool into the combination of the financial products to be entered into the pool;

s74: when the in-pool approval judgment result is in need of approval, sending all the financial products of which the in-pool approval judgment result is in need of approval to an approval end, and acquiring the in-pool approval result sent by the approval end;

s75: when the result of the in-pool approval is that the financial products are allowed to enter the pool, adding all the financial products of which the result of the in-pool approval is that the financial products are allowed to enter the pool into the to-be-entered financial product combination;

s76: repeating the step of obtaining one financial product combination from each financial product combination of the set of financial product combinations to be adjusted as a financial product combination to be pooled until the obtaining of the financial product combination of the set of financial product combinations to be adjusted is completed.

According to the method and the device, whether the financial products need to be approved or not is judged by adopting the in-pool approval rule screening, the financial products which need to be approved enter the pool after the approval is passed, and the financial products which do not need to be approved directly and automatically enter the pool, so that the personalized in-pool control can be performed on the financial product combination, and the accuracy of the financial product combination is further improved.

For S71, one financial product combination is sequentially obtained from each financial product combination in the set of financial product combinations to be adjusted, and the obtained financial product combination is used as the financial product combination to be pooled.

For step S72, acquiring a financial product from the target pool-entering financial product set corresponding to the pool-entering financial product combination as a financial product to be examined and approved in the pool; judging whether the financial products to be approved into the pool meet the pool approval rule of the combination of the financial products to be approved into the pool, determining that the result of the examination and approval into the pool corresponding to the financial products to be approved into the pool is required to be approved when the financial products to be approved into the pool meet the pool approval rule of the combination of the financial products to be approved into the pool, and determining that the result of the examination and approval into the pool corresponding to the financial products to be approved into the pool is not required to be approved when the result of the examination and approval into the pool corresponding to the financial products to be approved into the pool is not required to be approved.

For S73, when the result of the approval is not required, it means that the approval end performs the pool entry control, and all the financial products that are not required to be approved as the result of the approval may be directly added to the pool-to-be-entered financial product combination.

For step S74, when the result of the in-pool approval judgment is that approval is required, it means that the end requiring approval performs in-pool control, and therefore all the financial products whose result of the in-pool approval judgment is that approval is required are sent to the approval end, and the in-pool approval results sent by the approval end for each financial product that needs to be approved respectively according to the result of the in-pool approval judgment are obtained.

For S75, when the result of the in-pool approval is allowed to enter the pool, it means that the approval end still conforms to the in-pool after approval, and therefore all the financial products whose result of the in-pool approval is allowed to enter the pool are added to the to-be-pooled financial product combination.

When the result of the approval of the entering pool is that the financial products are not allowed to enter the pool, adding all the financial products of which the result of the approval of the entering pool is that the financial products are not allowed to enter the pool into an automatic entering pool task execution record table; and sending the automatic pooling task execution record table according to a preset sending rule.

For S76, repeating the steps S71 to S75 until the acquiring of the financial product combination of the set of financial product combinations to be adjusted is completed.

In one embodiment, the method further comprises:

s81: acquiring a pool task execution request, wherein the pool task execution request carries a pool task identification set;

s82: determining financial product combined identification according to each pool task identification in the pool task identification set to obtain a financial product combined identification set to be processed;

s83: finding out the financial product combination configured with the automatic pool-out rule from each financial product combination corresponding to the financial product combination identification set to be processed to obtain a financial product combination set to be processed;

s84: acquiring financial products needing to be pooled from a target financial product set of each financial product combination in the financial product combination set to be processed according to the automatic pooling rule of each financial product combination in the financial product combination set to be processed respectively to obtain a plurality of target pooled financial product sets;

s85: updating each financial product portfolio of the set of financial product portfolios to be processed according to each of the target pooled financial product portfolios.

According to the embodiment, the automatic pool discharge of the financial product combination is realized according to the pool discharge task execution request, the financial product combination can be further and quickly optimized according to real-time changes, and the accuracy of the financial product combination is further improved.

For S81, the request for executing the out-pool task input by the user may be obtained, the request for executing the out-pool task input by the third-party application system may also be obtained, or the request for executing the out-pool task triggered by the application program according to the preset out-pool task triggering condition may also be obtained. For example, the timed task scheduling module actively triggers the request for executing the out-pool task according to the parameters of the out-pool timed task through the timed task trigger.

The out-of-pool task execution request is a request to delete a financial product from a financial product portfolio.

The pool task identifier set comprises one or more pool task identifiers. The out-pool task identifier may be data uniquely identifying one out-pool task, such as an out-pool task name, an out-pool task ID, and the like. It will be appreciated that the out-pool task may be a timed task (also referred to as an out-pool timed task) or may be a non-timed task.

It will be appreciated that each of the pool tasks corresponds to a combination of financial products.

And S82, acquiring financial product combined identifications from the parameters of the pool tasks corresponding to each pool task identification in the pool task identification set respectively, and taking all the acquired financial product combined identifications as a to-be-processed financial product combined identification set.

And S83, respectively carrying out non-null value judgment on the automatic pool-out rules corresponding to the financial product combinations corresponding to the to-be-processed financial product combination identifier set, and when the automatic pool-out rules corresponding to the financial product combinations are non-null values, taking all the financial product combinations with the automatic pool-out rules being non-null values as the to-be-processed financial product combination set. That is, the auto-out-pool rule for each financial product portfolio in the set of pending financial product portfolios is non-null.

For S84, obtaining financial products meeting the automatic pooling rules of the financial product combinations to be pooled from the financial product sets of the financial product combinations to be pooled, and using all the obtained financial products as target pooled financial product sets corresponding to the financial product combinations to be pooled, wherein the financial product combinations to be pooled are any one of the financial product combinations to be processed.

For S85, deleting the target pooled financial product set to be deleted from the financial product combinations corresponding to the target pooled financial product set to be deleted, where the target pooled financial product set to be deleted is any one of the target pooled financial product sets.

In one embodiment, the step of updating each financial product portfolio of the set of financial product portfolios to be processed according to each of the set of target pooled financial products comprises:

s851: obtaining one financial product combination from each financial product combination in the set of financial product combinations to be processed as a financial product combination to be pooled;

s852: according to the out-of-pool approval rules of the to-be-out-of-pool financial product combinations, whether each financial product in the target out-of-pool financial product set corresponding to the to-be-out-of-pool financial product combinations is approved or not is judged, and a plurality of out-of-pool approval judgment results are obtained;

s853: when the out-of-pool approval judging result is that the examination and approval are not required, deleting all the financial products of which the out-of-pool approval judging result is that the examination and approval are not required from the to-be-out-of-pool financial product combination;

s854: when the out-of-pool approval judgment result is in need of approval, sending all the financial products of which the out-of-pool approval judgment result is in need of approval to an approval end, and acquiring the out-of-pool approval result sent by the approval end;

s855: when the result of the out-of-pool approval is that the out-of-pool is permitted, deleting all the financial products of which the result of the out-of-pool approval is that the out-of-pool is permitted from the to-be-out-of-pool financial product combination;

s856: repeating the step of obtaining one financial product combination from each financial product combination of the set of financial product combinations to be processed as a financial product combination to be pooled until the obtaining of the financial product combination of the set of financial product combinations to be processed is completed.

According to the method and the device, whether the financial products need to be approved or not is judged by adopting the out-of-pool approval rule screening, the financial products needing to be approved are approved and then out of the pool, and the financial products needing not to be approved are directly and automatically out of the pool, so that the personalized out-of-pool control can be favorably carried out on the financial product combination, and the accuracy of the financial product combination is further improved.

For S851, one financial product combination is sequentially obtained from each financial product combination in the set of financial product combinations to be processed, and the obtained financial product combination is used as the financial product combination to be pooled.

For step S852, acquiring one financial product from the target pool-outlet financial product set corresponding to the pool-outlet financial product combination as the financial product to be subjected to pool-outlet approval judgment; judging whether the financial products to be approved and judged out of the pool meet the out-pool approval rule of the combination of the financial products to be approved and judged out of the pool, determining that the out-pool approval judgment result corresponding to the financial products to be approved and judged out of the pool is required to be approved and approved when the financial products to be approved and judged out of the pool meet the out-pool approval rule of the combination of the financial products to be approved and judged out of the pool, and determining that the out-pool approval judgment result corresponding to the financial products to be approved and judged out of the pool is not required to be approved and approved when the out-pool approval rule corresponding to the financial products to be approved and judged out of the pool is not required.

For S853, when the result of the out-of-pool approval judgment is that approval is not required, it means that the end that does not need to approve performs out-of-pool control, and at this time, all the financial products whose result of the out-of-pool approval judgment is that approval is not required can be directly deleted from the combination of the financial products to be out-of-pool.

For S854, when the result of the out-of-pool approval judgment is that approval is required, it means that the end requiring approval performs out-of-pool control, and therefore all the financial products requiring approval as the result of the out-of-pool approval judgment are sent to the approval end, and the out-of-pool approval result sent by the approval end for each financial product requiring approval according to the result of the out-of-pool approval judgment is obtained.

For S855, when the result of the out-of-pool approval is that the out-of-pool is permitted, it means that the approval end still conforms to the out-of-pool after the approval, and therefore all the financial products whose result of the out-of-pool approval is that the out-of-pool is permitted are deleted from the to-be-out-of-pool financial product combination.

When the out-of-pool approval result is that the out-of-pool is not allowed, adding all the financial products of which the out-of-pool approval result is that the financial products are out of the in-access pool to an automatic out-of-pool task execution record table; and sending the automatic out-of-pool task execution record table according to a preset sending rule.

For S856, steps S851 through S856 are repeatedly performed until the acquisition of the financial product combination of the set of financial product combinations to be processed is completed.

With reference to fig. 2, the present application also proposes an apparatus for adapting a financial product portfolio, said apparatus comprising:

a request obtaining module 100, configured to obtain a pooling task execution request, where the pooling task execution request carries a pooling task identifier set;

a module 200 for determining a financial product combined identifier set to be preprocessed, configured to determine a financial product combined identifier according to each pooling task identifier in the pooling task identifier set, respectively, to obtain a financial product combined identifier set to be preprocessed;

a module 300 for determining a financial product combination set to be analyzed, configured to obtain a financial product combination list, and perform a financial product combination search from the financial product combination list according to the financial product combination identifier set to be preprocessed, to obtain a financial product combination set to be analyzed;

a to-be-adjusted financial product combination set determining module 400, configured to find a financial product combination configured with the automatic pooling rule from the to-be-analyzed financial product combination set, so as to obtain a to-be-adjusted financial product combination set;

a primary pooled financial product set determining module 500, configured to obtain a financial product list, and obtain financial products from the financial product list according to the automatic pooling rule of each financial product combination in the to-be-adjusted financial product combination set, respectively, to obtain a plurality of primary pooled financial product sets;

a target pooling financial product set determining module 600, configured to perform pooling verification on financial products according to the basic financial product combination information of each financial product combination in the to-be-adjusted financial product combination set, the automatic pooling rule, and the initially-selected pooling financial product set, respectively, to obtain a plurality of target pooling financial product sets;

a financial product portfolio updating module 700 for updating each of the financial product portfolios of the set of financial product portfolios to be adjusted according to each of the target pooled financial product portfolios.

Referring to fig. 3, a computer device, which may be a server and whose internal structure may be as shown in fig. 3, is also provided in the embodiment of the present application. The computer device includes a processor, a memory, a network interface, and a database connected by a system bus. Wherein the computer designed processor is used to provide computational and control capabilities. The memory of the computer device comprises a nonvolatile storage medium and an internal memory. The non-volatile storage medium stores an operating system, a computer program, and a database. The memory provides an environment for the operation of the operating system and the computer program in the non-volatile storage medium. The database of the computer device is used for storing data such as the adaptation method of the financial product combination. The network interface of the computer device is used for communicating with an external terminal through a network connection. The computer program is executed by a processor to implement a method of adapting a portfolio of financial products. The method for adapting the financial product combination comprises the following steps: acquiring a pool entry task execution request, wherein the pool entry task execution request carries a pool entry task identification set; determining financial product combination identification according to each pooling task identification in the pooling task identification set to obtain a financial product combination identification set to be preprocessed; acquiring a financial product combination list, and performing financial product combination searching from the financial product combination list according to the financial product combination identification set to be preprocessed to obtain a financial product combination set to be analyzed; finding out the financial product combination configured with the automatic pooling rule from the financial product combination set to be analyzed to obtain a financial product combination set to be adjusted; acquiring a financial product list, and acquiring financial products from the financial product list according to the automatic pooling rule of each financial product combination in the financial product combination set to be adjusted to obtain a plurality of initially-selected pooled financial product sets; performing pool check on financial products according to the basic information of the financial product combination of each financial product combination in the financial product combination set to be adjusted, the automatic pool entering rule and the primarily selected pool entering financial product set to obtain a plurality of target pool entering financial product sets; updating each financial product combination of the set of financial product combinations to be adjusted according to each target pooling financial product set.

An embodiment of the present application further provides a computer-readable storage medium, on which a computer program is stored, the computer program, when executed by a processor, implementing a method for adapting a financial product portfolio, including the steps of: acquiring a pool entry task execution request, wherein the pool entry task execution request carries a pool entry task identification set; determining financial product combination identification according to each pooling task identification in the pooling task identification set to obtain a financial product combination identification set to be preprocessed; acquiring a financial product combination list, and performing financial product combination searching from the financial product combination list according to the financial product combination identification set to be preprocessed to obtain a financial product combination set to be analyzed; finding out the financial product combination configured with the automatic pooling rule from the financial product combination set to be analyzed to obtain a financial product combination set to be adjusted; acquiring a financial product list, and acquiring financial products from the financial product list according to the automatic pooling rule of each financial product combination in the financial product combination set to be adjusted to obtain a plurality of initially-selected pooled financial product sets; performing pool check on financial products according to the basic information of the financial product combination of each financial product combination in the financial product combination set to be adjusted, the automatic pool entering rule and the primarily selected pool entering financial product set to obtain a plurality of target pool entering financial product sets; updating each financial product combination of the set of financial product combinations to be adjusted according to each target pooling financial product set.

The executed financial product combination adapting method comprises the steps of firstly obtaining a pooling task execution request carrying a pooling task identification set, secondly respectively determining financial product combination identifications according to each pooling task identification in the pooling task identification set to obtain a financial product combination identification set to be preprocessed, according to the financial product combination identification set to be preprocessed, carrying out financial product combination searching from a financial product combination list to obtain a financial product combination set to be analyzed, finding out a financial product combination configured with an automatic pooling rule from the financial product combination set to be analyzed to obtain a financial product combination set to be adjusted, and then respectively obtaining financial products from the financial product list according to the automatic pooling rule of each financial product combination in the financial product combination set to be adjusted, the method comprises the steps of obtaining a plurality of primary pooling financial product sets, conducting pooling verification on financial products according to financial product combination basic information, automatic pooling rules and the primary pooling financial product sets of each financial product combination in the to-be-adjusted financial product combination set respectively to obtain a plurality of target pooling financial product sets, and finally updating each financial product combination of the to-be-adjusted financial product combination set according to each target pooling financial product set, so that automatic financial product selection and financial product combination updating according to a pooling task execution request and the automatic pooling rules are achieved, financial product combination optimization can be conducted rapidly according to changes occurring in real time, and accuracy of financial product combinations is improved.

It will be understood by those skilled in the art that all or part of the processes of the methods of the embodiments described above can be implemented by hardware instructions of a computer program, which can be stored in a non-volatile computer-readable storage medium, and when executed, can include the processes of the embodiments of the methods described above. Any reference to memory, storage, database, or other medium provided herein and used in the examples may include non-volatile and/or volatile memory. Non-volatile memory can include read-only memory (ROM), Programmable ROM (PROM), Electrically Programmable ROM (EPROM), Electrically Erasable Programmable ROM (EEPROM), or flash memory. Volatile memory can include Random Access Memory (RAM) or external cache memory. By way of illustration and not limitation, RAM is available in a variety of forms such as Static RAM (SRAM), Dynamic RAM (DRAM), Synchronous DRAM (SDRAM), double-rate SDRAM (SSRSDRAM), Enhanced SDRAM (ESDRAM), synchronous link (Synchlink) DRAM (SLDRAM), Rambus Direct RAM (RDRAM), direct bus dynamic RAM (DRDRAM), and bus dynamic RAM (RDRAM).

It should be noted that, in this document, the terms "comprises," "comprising," or any other variation thereof, are intended to cover a non-exclusive inclusion, such that a process, apparatus, article, or method that comprises a list of elements does not include only those elements but may include other elements not expressly listed or inherent to such process, apparatus, article, or method. Without further limitation, an element defined by the phrase "comprising an … …" does not exclude the presence of other like elements in a process, apparatus, article, or method that includes the element.

The above description is only a preferred embodiment of the present application, and not intended to limit the scope of the present application, and all modifications of equivalent structures and equivalent processes, which are made by the contents of the specification and the drawings of the present application, or which are directly or indirectly applied to other related technical fields, are also included in the scope of the present application.

完整详细技术资料下载

上一篇：石墨接头机器人自动装卡簧、装栓机

Method, device, equipment and storage medium for adapting financial product combination

相关技术

网友询问留言