CN112734491A - Asset management method and device based on mark evaluation - Google Patents

Asset management method and device based on mark evaluation Download PDF

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CN112734491A
CN112734491A CN202110052156.4A CN202110052156A CN112734491A CN 112734491 A CN112734491 A CN 112734491A CN 202110052156 A CN202110052156 A CN 202110052156A CN 112734491 A CN112734491 A CN 112734491A
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傅峰峰
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Guangzhou Fugang Life Intelligent Technology Co Ltd
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Abstract

In the embodiment of the invention, the asset information of a target object is determined, and the target asset in the asset information of the target object is marked; the target asset comprises one or both of a physical asset and an intangible asset; acquiring asset assessment reference data, and determining asset assessment rules according to the asset assessment reference data, wherein the asset assessment rules are used for determining asset assessment parameters corresponding to different asset categories; and evaluating the marked target assets according to the asset evaluation rules to obtain the current asset value of the target assets. Therefore, the method and the system can automatically mark the target assets from the asset information of the target object and automatically evaluate the assets based on the asset evaluation rule, and compared with the existing asset management mode adopting manual evaluation, the method and the system can greatly improve the automation degree of asset management, improve the efficiency of asset management, reduce errors and reduce the consumption of manpower and material resources.

Description

Asset management method and device based on mark evaluation
Technical Field
The invention relates to the technical field of big data, in particular to an asset management method and device based on mark evaluation.
Background
Asset management, which is a process of analyzing and managing the assets of target users to make further investment strategies. In asset management, the assessment of assets is an important ring. Only if the value of the asset is correctly assessed, further investment strategies can be subsequently accurately formulated to maximize the user's asset profitability.
In the existing asset management, generally, a special institution or a special evaluator follows legal or fair standards and procedures, a scientific method is used to evaluate assets in units of currency, and a next investment strategy is made by combining the evaluation value of the assets and market trends of manual analysis. However, the manual evaluation mode adopted by the prior art has the problems of low automation degree, low efficiency and easy error.
Disclosure of Invention
The invention aims to solve the technical problem of providing an asset management method and device based on mark evaluation, which can automatically mark a target asset from asset information of a target object and automatically evaluate the asset based on asset evaluation rules.
In order to solve the technical problem, a first aspect of the present invention discloses an asset management method based on tag evaluation, including:
determining asset information of a target object, and marking the target asset in the asset information of the target object; the target asset comprises one or both of a physical asset and an intangible asset;
acquiring asset assessment reference data, and determining asset assessment rules according to the asset assessment reference data, wherein the asset assessment rules are used for determining asset assessment parameters corresponding to different asset categories;
and evaluating the marked target assets according to the asset evaluation rules to obtain the current asset value of the target assets.
As an optional implementation manner, in the first aspect of the present invention, the determining asset information of the target object includes:
acquiring a financial record of a target object; the financial records comprise a plurality of financial incoming and outgoing records and corresponding financial categories;
and screening the financial incoming and outgoing records of which the financial categories belong to the asset transaction categories in the financial records according to a preset asset judgment rule, and determining the assets corresponding to the screened financial incoming and outgoing records as the asset information of the target object.
As an alternative implementation manner, in the first aspect of the present invention, the acquiring asset assessment reference data and determining asset assessment rules according to the asset assessment reference data includes:
acquiring asset price publishing information of an asset management organization; the asset price publishing information comprises asset publishing prices corresponding to different asset categories; the asset publication price comprises one or more of an asset start price, an asset deal price, or an asset assessment price;
and analyzing the asset price publishing information to obtain asset evaluation rules based on a preset data analysis algorithm so as to determine asset evaluation parameters corresponding to different asset categories.
As an optional implementation manner, in the first aspect of the present invention, the analyzing the asset price publishing information based on a preset data analysis algorithm to obtain an asset assessment rule, so as to determine asset assessment parameters corresponding to different asset categories, includes:
determining asset publishing prices in a target history period corresponding to different asset categories in the asset price publishing information;
determining asset evaluation parameters corresponding to different asset classes according to asset published prices corresponding to the different asset classes in the asset price publishing information in a target historical period;
and determining asset assessment parameters corresponding to different asset categories according to the asset publishing prices corresponding to the different asset categories in the asset price publishing information in the target history period, wherein the asset assessment parameters comprise:
determining asset publishing price-time relations corresponding to different asset classes according to asset publishing prices corresponding to different asset classes in the asset price publishing information in a target history period;
and determining the asset publishing price-time relationship corresponding to the different asset types as asset evaluation parameters corresponding to the different asset types.
As an optional implementation manner, in the first aspect of the present invention, the evaluating the marked target asset according to the asset evaluation rule to obtain the current asset worth value of the target asset includes:
determining an asset class of the target asset tagged within a target time period;
according to the asset publishing price-time relationship corresponding to different asset types in the asset evaluation rule, the asset price of the asset type of the target asset in a target time period is estimated;
determining an asset price for the asset class of the target asset within a target time period as a current asset value of the target asset.
As an alternative implementation, in the first aspect of the present invention, the method further includes:
determining asset management operation corresponding to the target asset according to the current asset value of the target asset and the historical asset value of the target asset; the asset management operation is used to indicate a buy and/or sell of the target asset.
As an optional implementation manner, in the first aspect of the present invention, the determining, according to the current asset worth value of the target asset and the historical asset worth value of the target asset, an asset management operation corresponding to the target asset includes:
calculating a time-varying relationship of a plurality of historical asset values of the target asset;
determining a future asset value change trend of the target asset according to the time-varying relation between the current asset value of the target asset and a plurality of historical asset values of the target asset;
and determining asset management operation corresponding to the target asset according to the future asset value change trend of the target asset.
The invention discloses an asset management device based on mark evaluation in a second aspect, which comprises:
the marking module is used for determining the asset information of a target object and marking the target asset in the asset information of the target object; the target asset comprises one or both of a physical asset and an intangible asset;
the system comprises a determining module, a judging module and a judging module, wherein the determining module is used for acquiring asset evaluation reference data and determining asset evaluation rules according to the asset evaluation reference data, and the asset evaluation rules are used for determining asset evaluation parameters corresponding to different asset categories;
and the evaluation module is used for evaluating the marked target assets according to the asset evaluation rules so as to obtain the current asset value of the target assets.
As an optional implementation manner, in the second aspect of the present invention, a specific manner of determining asset information of a target object by the tagging module includes:
acquiring a financial record of a target object; the financial records comprise a plurality of financial incoming and outgoing records and corresponding financial categories;
and screening the financial incoming and outgoing records of which the financial categories belong to the asset transaction categories in the financial records according to a preset asset judgment rule, and determining the assets corresponding to the screened financial incoming and outgoing records as the asset information of the target object.
As an optional implementation manner, in the second aspect of the present invention, a specific manner in which the determining module obtains asset assessment reference data and determines an asset assessment rule according to the asset assessment reference data includes:
acquiring asset price publishing information of an asset management organization; the asset price publishing information comprises asset publishing prices corresponding to different asset categories; the asset publication price comprises one or more of an asset start price, an asset deal price, or an asset assessment price;
and analyzing the asset price publishing information to obtain asset evaluation rules based on a preset data analysis algorithm so as to determine asset evaluation parameters corresponding to different asset categories.
As an optional implementation manner, in the second aspect of the present invention, the specific manner in which the determining module analyzes the asset price publishing information based on a preset data analysis algorithm to obtain an asset assessment rule so as to determine asset assessment parameters corresponding to different asset categories includes:
determining asset publishing prices in a target history period corresponding to different asset categories in the asset price publishing information;
determining asset evaluation parameters corresponding to different asset classes according to asset published prices corresponding to the different asset classes in the asset price publishing information in a target historical period;
and determining asset assessment parameters corresponding to different asset categories according to the asset publishing prices corresponding to the different asset categories in the asset price publishing information in the target history period, wherein the asset assessment parameters comprise:
determining asset publishing price-time relations corresponding to different asset classes according to asset publishing prices corresponding to different asset classes in the asset price publishing information in a target history period;
and determining the asset publishing price-time relationship corresponding to the different asset types as asset evaluation parameters corresponding to the different asset types.
As an optional implementation manner, in the second aspect of the present invention, a specific manner for the evaluation module to evaluate the marked target asset according to the asset evaluation rule to obtain the current asset worth value of the target asset includes:
determining an asset class of the target asset tagged within a target time period;
according to the asset publishing price-time relationship corresponding to different asset types in the asset evaluation rule, the asset price of the asset type of the target asset in a target time period is estimated;
determining an asset price for the asset class of the target asset within a target time period as a current asset value of the target asset.
As an alternative embodiment, in the second aspect of the present invention, the apparatus further comprises:
the operation determining module is used for determining asset management operation corresponding to the target asset according to the current asset value of the target asset and the historical asset value of the target asset; the asset management operation is used to indicate a buy and/or sell of the target asset.
As an optional implementation manner, in the second aspect of the present invention, the determining module determines, according to the current asset worth value of the target asset and the historical asset worth value of the target asset, a specific manner of asset management operation corresponding to the target asset, including:
calculating a time-varying relationship of a plurality of historical asset values of the target asset;
determining a future asset value change trend of the target asset according to the time-varying relation between the current asset value of the target asset and a plurality of historical asset values of the target asset;
and determining asset management operation corresponding to the target asset according to the future asset value change trend of the target asset.
The third aspect of the present invention discloses another asset management device based on tag evaluation, the device comprising:
a memory storing executable program code;
a processor coupled with the memory;
the processor calls the executable program code stored in the memory to execute part or all of the steps of the asset management method based on the tag evaluation disclosed in the first aspect of the embodiment of the invention.
Compared with the prior art, the embodiment of the invention has the following beneficial effects:
in the embodiment of the invention, the asset information of a target object is determined, and the target asset in the asset information of the target object is marked; the target asset comprises one or both of a physical asset and an intangible asset; acquiring asset assessment reference data, and determining asset assessment rules according to the asset assessment reference data, wherein the asset assessment rules are used for determining asset assessment parameters corresponding to different asset categories; and evaluating the marked target assets according to the asset evaluation rules to obtain the current asset value of the target assets. Therefore, the method and the system can automatically mark the target assets from the asset information of the target object and automatically evaluate the assets based on the asset evaluation rule, and compared with the existing asset management mode adopting manual evaluation, the method and the system can greatly improve the automation degree of asset management, improve the efficiency of asset management, reduce errors and reduce the consumption of manpower and material resources.
Drawings
In order to more clearly illustrate the technical solutions in the embodiments of the present invention, the drawings needed to be used in the description of the embodiments will be briefly introduced below, and it is obvious that the drawings in the following description are only some embodiments of the present invention, and it is obvious for those skilled in the art to obtain other drawings based on these drawings without creative efforts.
FIG. 1 is a schematic flow chart diagram of an asset management method based on tag evaluation according to an embodiment of the present invention;
FIG. 2 is a schematic flow chart diagram of another asset management method based on tag valuation according to the embodiment of the invention;
FIG. 3 is a schematic structural diagram of an asset management device based on tag evaluation according to an embodiment of the present disclosure;
FIG. 4 is a schematic structural diagram of another asset management device based on tag evaluation according to the embodiment of the present disclosure;
fig. 5 is a schematic structural diagram of another asset management device based on tag evaluation according to an embodiment of the disclosure.
Detailed Description
In order to make the technical solutions of the present invention better understood, the technical solutions in the embodiments of the present invention will be clearly and completely described below with reference to the drawings in the embodiments of the present invention, and it is obvious that the described embodiments are only a part of the embodiments of the present invention, and not all of the embodiments. All other embodiments, which can be derived by a person skilled in the art from the embodiments given herein without making any creative effort, shall fall within the protection scope of the present invention.
The terms "first," "second," and the like in the description and claims of the present invention and in the above-described drawings are used for distinguishing between different objects and not for describing a particular order. Furthermore, the terms "include" and "have," as well as any variations thereof, are intended to cover non-exclusive inclusions. For example, a process, method, apparatus, article, or article that comprises a list of steps or elements is not limited to only those steps or elements listed, but may alternatively include other steps or elements not listed, or inherent to such process, method, article, or article.
Reference herein to "an embodiment" means that a particular feature, structure, or characteristic described in connection with the embodiment can be included in at least one embodiment of the invention. The appearances of the phrase in various places in the specification are not necessarily all referring to the same embodiment, nor are separate or alternative embodiments mutually exclusive of other embodiments. It is explicitly and implicitly understood by one skilled in the art that the embodiments described herein can be combined with other embodiments.
The invention discloses an asset management method and device based on mark evaluation, which can automatically mark a target asset from asset information of a target object and automatically evaluate the asset based on asset evaluation rules. The following are detailed below.
Example one
Referring to fig. 1, fig. 1 is a schematic flowchart of an asset management method based on tag evaluation according to an embodiment of the present invention. The method described in fig. 1 may be applied to a corresponding computing terminal, a corresponding computing device, or a corresponding server, where the server may be a local server or a cloud server, and the embodiment of the present invention is not limited. As shown in FIG. 1, the asset management method based on tag valuation may include the following operations:
101. and determining the asset information of the target object, and marking the target asset in the asset information of the target object.
In the embodiment of the present invention, the target object may be a personal object or an enterprise object, further, the personal object may be a person with certain economic strength of different nationalities, and the enterprise object may be a domestic enterprise or an overseas enterprise, which is not limited in the present invention.
In embodiments of the present invention, the target assets may include, but are not limited to, one or both of physical assets and intangible assets. Alternatively, the physical assets may include, but are not limited to, automobile property rights, land property rights, antique property rights, calligraphy and painting property rights, etc. assets having substantial asset ontologies. Alternatively, intangible assets may include, but are not limited to, game assets, virtual items, intellectual property, music copyrights, creditor revenue rights, and the like, assets that do not have a substantial asset body.
In the embodiment of the invention, the mark of the target asset can be used for tracking and recording the target asset, and by the mark, corresponding data processing operation can be executed by setting automatic identification of the mark when data processing is carried out subsequently. For example, when a sell/buy mark is made to the target asset, the corresponding processing system may directly perform the corresponding sell/buy operation when recognizing the mark.
102. And acquiring asset evaluation reference data, and determining asset evaluation rules according to the asset evaluation reference data.
In the embodiment of the invention, the asset assessment rules are used for determining asset assessment parameters corresponding to different asset classes. Optionally, the asset valuation parameters may include, but are not limited to, asset price, asset valuation rate, asset valuation probability, and asset value trend parameters corresponding to the asset class.
103. And evaluating the marked target assets according to the asset evaluation rules to obtain the current asset value of the target assets.
Therefore, by implementing the method described in the embodiment of the invention, the target assets can be automatically marked from the asset information of the target object, and the assets are automatically evaluated based on the asset evaluation rule. The following are detailed below.
In an optional embodiment, the determining asset information of the target object in step 101 includes:
acquiring a financial record of a target object; the financial records comprise a plurality of financial incoming and outgoing records and corresponding financial categories;
and screening financial incoming records of which the financial categories belong to the asset transaction categories in the financial records according to a preset asset judgment rule, and determining assets corresponding to the screened financial incoming records as asset information of the target object.
In the embodiment of the invention, the acquisition of the financial record of the target object can be directly derived from the financial system of the target object or can be acquired from the database of the related public affair management institution. Optionally, the financial records of which the financial category belongs to the asset transaction category in the financial records are screened, and the financial records can be obtained through a preset text analysis algorithm, for example, a keyword detection module related to asset transaction is preset in an algorithm model, and the financial records are input into the algorithm model for processing, so that the screened financial records can be directly output by the algorithm model subsequently.
In the embodiment of the invention, further, after the assets corresponding to the screened financial incoming and outgoing records are determined as the asset information of the target object, the current total holding capacity of the assets of the target object can be determined according to all the financial incoming and outgoing records corresponding to the assets, so that a data basis is laid for the subsequent calculation of the value of the assets.
Therefore, by implementing the optional embodiment, the financial records of the target object can be screened according to the preset asset judgment rule, so that the asset information of the target object is determined, the asset information of the target object can be directly acquired through the financial records of the target object, the acquisition efficiency of the asset information of the target object is improved, and a data basis is provided for subsequent asset management operation.
In another alternative embodiment, the acquiring asset valuation reference data and determining asset valuation rules based on the asset valuation reference data in step 102 includes:
acquiring asset price publishing information of an asset management organization;
and analyzing the asset price publishing information to obtain asset evaluation rules based on a preset data analysis algorithm so as to determine asset evaluation parameters corresponding to different asset categories.
In the embodiment of the invention, the asset price publishing information comprises asset publishing prices corresponding to different asset categories. The asset publication price may include, but is not limited to, one or more of an asset start price, an asset deal price, or an asset assessment price. Alternatively, the asset management entity may include, but is not limited to, an auction entity, a house authority, a cultural relic authority, or an asset evaluation entity.
In the embodiment of the invention, the acquisition of the asset price publishing information can directly capture the data in the information document regularly published on the network by the asset management mechanism through a crawler algorithm, and can also be directly butted with a data system of the asset management mechanism to acquire the data by adopting a preset data interface and a data rule.
Therefore, the optional embodiment is implemented to obtain the asset price publishing information of the asset management mechanism, and the asset price publishing information is analyzed to obtain the asset assessment rules based on the preset data analysis algorithm to determine the asset assessment parameters corresponding to different asset classes, so that the asset assessment parameters corresponding to different asset classes can be accurately obtained through the asset price publishing information of the asset management mechanism, the determining efficiency of the asset assessment rules is improved, and a data basis is provided for subsequent asset management operations.
In yet another optional embodiment, the analyzing the asset price publishing information based on a preset data analysis algorithm in the above steps to obtain asset assessment rules to determine asset assessment parameters corresponding to different asset categories includes:
determining asset publishing prices in a target history period corresponding to different asset categories in the asset price publishing information;
and determining asset evaluation parameters corresponding to different asset types according to the asset publishing prices corresponding to the different asset types in the asset price publishing information in the target historical period.
In the embodiment of the present invention, the target history period may be a continuous time period, for example, a representative period of history time interval, or may be a discrete time period, for example, several representative time intervals or time points.
Further, the determining asset valuation parameters corresponding to different asset classes according to the asset publishing prices corresponding to different asset classes in the asset price publishing information in the target history period in the above steps includes:
determining asset publishing price-time relations corresponding to different asset classes according to asset publishing prices corresponding to different asset classes in the asset price publishing information in a target historical period;
and determining the asset publishing price-time relationship corresponding to different asset categories as asset assessment parameters corresponding to different asset categories.
In the embodiment of the invention, the relation or the relation curve model of the asset publishing price and the time corresponding to different asset classes can be calculated through a data fitting algorithm according to the asset publishing price corresponding to different asset classes in the target historical period, so that the asset publishing price-time relation corresponding to different asset classes is obtained.
Optionally, in the above step, the asset valuation parameters corresponding to different asset classes are determined according to the asset publishing prices in the target history period corresponding to the different asset classes in the asset price publishing information, or an average or median of the asset publishing prices in the target history period corresponding to the different asset classes is calculated, and the average or median is determined as the asset valuation parameters corresponding to the different asset classes.
Optionally, in the above step, asset evaluation parameters corresponding to different asset classes are determined according to asset published prices in the target history period corresponding to the different asset classes in the asset price publishing information, or the asset published prices in the target history period corresponding to the different asset classes may be input into the neural network model to train the neural network model, and the trained neural network model corresponding to the different asset classes is used as the asset evaluation parameters corresponding to the different asset classes. Subsequently, the trained neural network model can be used for evaluating the current asset value of the target asset.
In yet another alternative embodiment, the evaluating the marked target asset according to the asset evaluation rule in step 103 to obtain the current asset value of the target asset includes:
determining an asset class of a tagged target asset within a target time period;
according to the asset publishing price-time relationship corresponding to different asset types in the asset evaluation rule, the asset price of the asset type of the target asset in the target time period is estimated;
an asset price for the asset class of the target asset within the target time period is determined as a current asset value of the target asset.
In the embodiment of the invention, the selection of the target time period and the target history period can follow a certain rule, namely when the target time period corresponding to the current asset value of the target asset to be evaluated is determined, the corresponding target history period is selected by analyzing the characteristics of the target time period. Further, the target historical time period may be a time period having the same time period characteristics as the target time period. Optionally, the time period characteristics include, but are not limited to, one or more of a month of belongings, a quarter of belongings, a number of specific economic activities within a period, and a number of trading activities of the target object within a period.
Example two
Referring to fig. 2, fig. 2 is a schematic flowchart of another asset management method based on tag evaluation according to an embodiment of the disclosure. The method described in fig. 2 is applied to a corresponding computing terminal, computing device, or server, where the server may be a local server or a cloud server, and the embodiment of the present invention is not limited thereto. As shown in fig. 2, the asset management method based on tag valuation may include the operations of:
201. and determining the asset information of the target object, and marking the target asset in the asset information of the target object.
202. And acquiring asset evaluation reference data, and determining asset evaluation rules according to the asset evaluation reference data.
203. And evaluating the marked target assets according to the asset evaluation rules to obtain the current asset value of the target assets.
In the embodiment of the present invention, specific technical details and technical noun explanations of the steps 201-203 may refer to the description of the steps 101-103 in the first embodiment, which are not repeated herein.
204. And determining asset management operation corresponding to the target asset according to the current asset value of the target asset and the historical asset value of the target asset.
In embodiments of the present invention, asset management operations are used to indicate a buy and/or sell of a target asset. Alternatively, asset management operations may be used to indicate partial/full operations on a target asset. For example, whether the target asset is currently up-valued or down-valued may be determined according to the current asset value of the target asset and the historical asset value of the target asset, the asset management operation of the target asset may be determined as a buy operation when it is determined that the target asset is currently in an up-valued state, and the asset management operation of the target asset may be determined as a sell operation when it is determined that the target asset is currently in a down-valued state.
Further, after the asset management operation of the target asset is determined, the asset management operation can be sent to a professional asset transaction institution to directly execute the asset management operation, and the asset management operation can also be pushed to a device of the target object for displaying and reminding through information transmission, wherein the device can be a mobile device with a display screen.
Therefore, the asset management operation corresponding to the target asset is determined according to the current asset value of the target asset and the historical asset value of the target asset, so that the operation to be executed on the target asset can be accurately determined according to the current asset value of the target asset and the historical asset value of the target asset, the asset profitability of the target object is improved as much as possible, and the asset management efficiency and the automation degree are improved.
In an alternative embodiment, the determining, in step 204, the asset management operation corresponding to the target asset according to the current asset worth value of the target asset and the historical asset worth value of the target asset includes:
calculating a time-varying relationship of a plurality of historical asset values of the target asset;
determining a future asset value change trend of the target asset according to the time-varying relation between the current asset value of the target asset and a plurality of historical asset values of the target asset;
and determining asset management operation corresponding to the target asset according to the future asset value change trend of the target asset.
According to the embodiment of the invention, the time-varying relation of the historical asset value of the target asset can be calculated to obtain the time-varying curve of the historical asset value of the target asset. Further, determining a future asset value trend of the target asset based on the time-varying relationship between the current asset value of the target asset and the plurality of historical asset values of the target asset may include:
according to the time-varying relation of a plurality of historical asset values of the target asset, estimating the estimated asset value of the target asset at the current time point;
judging whether the current asset value of the target asset is greater than the estimated asset value of the target asset, if so, determining that the future asset value variation trend of the target asset is an up-rating trend, and if not, determining that the future asset value variation trend of the target asset is a down-rating trend;
and/or the presence of a gas in the gas,
calculating a difference between the estimated asset value and the current asset value of the target asset;
and judging whether the difference value is larger than a preset value difference threshold value, if so, judging that the future asset value change trend of the target asset is in an unstable state, and if not, judging that the future asset value change trend of the target asset is in a stable state.
Optionally, the determining, according to the future asset value change trend of the target asset, an asset management operation corresponding to the target asset in the above steps may include:
and when the future asset value variation trend of the target asset is the appreciation trend, determining the asset management operation corresponding to the target asset as a buying operation, and when the future asset value variation trend of the target asset is the depreciation trend, determining the asset management operation corresponding to the target asset as a selling operation.
Optionally, the determining, according to the future asset value change trend of the target asset, an asset management operation corresponding to the target asset in the above steps may include:
and when the future asset value change trend of the target asset is an unstable trend, determining that the asset variation amount of the asset management operation corresponding to the target asset is smaller than the preset asset variation amount.
The arrangement aims to control the buying or selling amplitude of the target asset when the future asset value change trend of the target asset is an unstable trend so as to effectively reduce the loss risk caused by market fluctuation.
Therefore, according to the optional embodiment, the future asset value change trend of the target asset is determined according to the time change relationship between the current asset value of the target asset and the plurality of historical asset values of the target asset, and the asset management operation corresponding to the target asset is determined according to the future asset value change trend of the target asset, so that the asset management operation which is more suitable for the market rule and higher in the profitability can be formulated according to the current asset value and the historical asset value of the target asset, and the efficiency and the automation degree of asset management are greatly improved.
EXAMPLE III
Referring to fig. 3, fig. 3 is a schematic structural diagram of an asset management device based on tag evaluation according to an embodiment of the present invention. The apparatus described in fig. 3 may be applied to a corresponding computing terminal, a corresponding computing device, or a corresponding server, where the server may be a local server or a cloud server, and the embodiment of the present invention is not limited thereto. As shown in fig. 3, the apparatus may include:
and the marking module 301 is configured to determine asset information of the target object and mark the target asset in the asset information of the target object.
In the embodiment of the present invention, the target object may be a personal object or an enterprise object, further, the personal object may be a person with certain economic strength of different nationalities, and the enterprise object may be a domestic enterprise or an overseas enterprise, which is not limited in the present invention.
In embodiments of the present invention, the target assets may include, but are not limited to, one or both of physical assets and intangible assets. Alternatively, the physical assets may include, but are not limited to, automobile property rights, land property rights, antique property rights, calligraphy and painting property rights, etc. assets having substantial asset ontologies. Alternatively, intangible assets may include, but are not limited to, game assets, virtual items, intellectual property, music copyrights, creditor revenue rights, and the like, assets that do not have a substantial asset body.
In the embodiment of the invention, the mark of the target asset can be used for tracking and recording the target asset, and by the mark, corresponding data processing operation can be executed by setting automatic identification of the mark when data processing is carried out subsequently. For example, when a sell/buy mark is made to the target asset, the corresponding processing system may directly perform the corresponding sell/buy operation when recognizing the mark.
A determining module 302, configured to obtain asset assessment reference data, and determine an asset assessment rule according to the asset assessment reference data.
In the embodiment of the invention, the asset assessment rules are used for determining asset assessment parameters corresponding to different asset classes. Optionally, the asset valuation parameters may include, but are not limited to, asset price, asset valuation rate, asset valuation probability, and asset value trend parameters corresponding to the asset class.
And the evaluation module 303 is configured to evaluate the marked target asset according to the asset evaluation rule to obtain the current asset value of the target asset.
Therefore, the device described in the embodiment of the invention can automatically mark the target assets from the asset information of the target object and automatically evaluate the assets based on the asset evaluation rule, and compared with the existing asset management mode adopting manual evaluation, the device can greatly improve the automation degree of asset management, improve the efficiency of asset management, reduce errors and reduce the consumption of manpower and material resources. The following are detailed below.
In an alternative embodiment, the specific manner of determining the asset information of the target object by the tagging module 301 includes:
acquiring a financial record of a target object; the financial records comprise a plurality of financial incoming and outgoing records and corresponding financial categories;
and screening financial incoming records of which the financial categories belong to the asset transaction categories in the financial records according to a preset asset judgment rule, and determining assets corresponding to the screened financial incoming records as asset information of the target object.
In the embodiment of the invention, the acquisition of the financial record of the target object can be directly derived from the financial system of the target object or can be acquired from the database of the related public affair management institution. Optionally, the financial records of which the financial category belongs to the asset transaction category in the financial records are screened, and the financial records can be obtained through a preset text analysis algorithm, for example, a keyword detection module related to asset transaction is preset in an algorithm model, and the financial records are input into the algorithm model for processing, so that the screened financial records can be directly output by the algorithm model subsequently.
In the embodiment of the invention, further, after the assets corresponding to the screened financial incoming and outgoing records are determined as the asset information of the target object, the current total holding capacity of the assets of the target object can be determined according to all the financial incoming and outgoing records corresponding to the assets, so that a data basis is laid for the subsequent calculation of the value of the assets.
Therefore, by implementing the optional embodiment, the financial records of the target object can be screened according to the preset asset judgment rule, so that the asset information of the target object is determined, the asset information of the target object can be directly acquired through the financial records of the target object, the acquisition efficiency of the asset information of the target object is improved, and a data basis is provided for subsequent asset management operation.
In another alternative embodiment, the determining module 302 obtains asset valuation reference data and determines the specific manner of the asset valuation rule according to the asset valuation reference data, including:
acquiring asset price publishing information of an asset management organization;
and analyzing the asset price publishing information to obtain asset evaluation rules based on a preset data analysis algorithm so as to determine asset evaluation parameters corresponding to different asset categories.
In the embodiment of the invention, the asset price publishing information comprises asset publishing prices corresponding to different asset categories. The asset publication price may include, but is not limited to, one or more of an asset start price, an asset deal price, or an asset assessment price. Alternatively, the asset management entity may include, but is not limited to, an auction entity, a house authority, a cultural relic authority, or an asset evaluation entity.
In the embodiment of the invention, the acquisition of the asset price publishing information can directly capture the data in the information document regularly published on the network by the asset management mechanism through a crawler algorithm, and can also be directly butted with a data system of the asset management mechanism to acquire the data by adopting a preset data interface and a data rule.
Therefore, the optional embodiment is implemented to obtain the asset price publishing information of the asset management mechanism, and the asset price publishing information is analyzed to obtain the asset assessment rules based on the preset data analysis algorithm to determine the asset assessment parameters corresponding to different asset classes, so that the asset assessment parameters corresponding to different asset classes can be accurately obtained through the asset price publishing information of the asset management mechanism, the determining efficiency of the asset assessment rules is improved, and a data basis is provided for subsequent asset management operations.
In yet another alternative embodiment, the determining module 302 analyzes the asset price publishing information to obtain the asset assessment rule based on a preset data analysis algorithm, so as to determine the specific manner of the asset assessment parameters corresponding to different asset categories, including:
determining asset publishing prices in a target history period corresponding to different asset categories in the asset price publishing information;
and determining asset evaluation parameters corresponding to different asset types according to the asset publishing prices corresponding to the different asset types in the asset price publishing information in the target historical period.
In the embodiment of the present invention, the target history period may be a continuous time period, for example, a representative period of history time interval, or may be a discrete time period, for example, several representative time intervals or time points.
Further, the determining module 302 determines a specific manner of the asset valuation parameter corresponding to different asset categories according to the asset publishing price in the target history period corresponding to the different asset categories in the asset price publishing information, including:
determining asset publishing price-time relations corresponding to different asset classes according to asset publishing prices corresponding to different asset classes in the asset price publishing information in a target historical period;
and determining the asset publishing price-time relationship corresponding to different asset categories as asset assessment parameters corresponding to different asset categories.
In the embodiment of the invention, the relation or the relation curve model of the asset publishing price and the time corresponding to different asset classes can be calculated through a data fitting algorithm according to the asset publishing price corresponding to different asset classes in the target historical period, so that the asset publishing price-time relation corresponding to different asset classes is obtained.
Optionally, the determining module 302 determines a specific manner of the asset assessment parameters corresponding to different asset classes according to the asset publication prices in the target history period corresponding to the different asset classes in the asset price publication information, or may calculate an average or median of the asset publication prices in the target history period corresponding to the different asset classes, and determine the average or median as the asset assessment parameters corresponding to the different asset classes.
Optionally, the determining module 302 determines a specific manner of the asset assessment parameters corresponding to different asset classes according to the asset published prices in the target history period corresponding to the different asset classes in the asset price publishing information, or inputs the asset published prices in the target history period corresponding to the different asset classes into the neural network model to train the neural network model, and uses the trained neural network model corresponding to the different asset classes as the asset assessment parameters corresponding to the different asset classes. Subsequently, the trained neural network model can be used for evaluating the current asset value of the target asset.
In yet another alternative embodiment, the evaluation module 303 evaluates the tagged target asset for a current asset value of the target asset according to asset evaluation rules, including:
determining an asset class of a tagged target asset within a target time period;
according to the asset publishing price-time relationship corresponding to different asset types in the asset evaluation rule, the asset price of the asset type of the target asset in the target time period is estimated;
an asset price for the asset class of the target asset within the target time period is determined as a current asset value of the target asset.
In the embodiment of the invention, the selection of the target time period and the target history period can follow a certain rule, namely when the target time period corresponding to the current asset value of the target asset to be evaluated is determined, the corresponding target history period is selected by analyzing the characteristics of the target time period. Further, the target historical time period may be a time period having the same time period characteristics as the target time period. Optionally, the time period characteristics include, but are not limited to, one or more of a month of belongings, a quarter of belongings, a number of specific economic activities within a period, and a number of trading activities of the target object within a period.
In yet another alternative embodiment, as shown in fig. 4, the apparatus further comprises:
and the operation determining module 304 is configured to determine an asset management operation corresponding to the target asset according to the current asset value of the target asset and the historical asset value of the target asset.
In embodiments of the present invention, asset management operations are used to indicate a buy and/or sell of a target asset. Alternatively, asset management operations may be used to indicate partial/full operations on a target asset. For example, whether the target asset is currently up-valued or down-valued may be determined according to the current asset value of the target asset and the historical asset value of the target asset, the asset management operation of the target asset may be determined as a buy operation when it is determined that the target asset is currently in an up-valued state, and the asset management operation of the target asset may be determined as a sell operation when it is determined that the target asset is currently in a down-valued state.
Further, after the asset management operation of the target asset is determined, the asset management operation can be sent to a professional asset transaction institution to directly execute the asset management operation, and the asset management operation can also be pushed to a device of the target object for displaying and reminding through information transmission, wherein the device can be a mobile device with a display screen.
Therefore, the asset management operation corresponding to the target asset is determined according to the current asset value of the target asset and the historical asset value of the target asset, so that the operation to be executed on the target asset can be accurately determined according to the current asset value of the target asset and the historical asset value of the target asset, the asset profitability of the target object is improved as much as possible, and the asset management efficiency and the automation degree are improved.
In yet another alternative embodiment, the operation determining module 304 determines a specific manner of the asset management operation corresponding to the target asset according to the current asset worth value of the target asset and the historical asset worth value of the target asset, including:
calculating a time-varying relationship of a plurality of historical asset values of the target asset;
determining a future asset value change trend of the target asset according to the time-varying relation between the current asset value of the target asset and a plurality of historical asset values of the target asset;
and determining asset management operation corresponding to the target asset according to the future asset value change trend of the target asset.
According to the embodiment of the invention, the time-varying relation of the historical asset value of the target asset can be calculated to obtain the time-varying curve of the historical asset value of the target asset. Further, the operation determining module 304 may determine a specific manner of the future asset value trend of the target asset according to the time-varying relationship between the current asset value of the target asset and the plurality of historical asset values of the target asset, and may include:
according to the time-varying relation of a plurality of historical asset values of the target asset, estimating the estimated asset value of the target asset at the current time point;
judging whether the current asset value of the target asset is greater than the estimated asset value of the target asset, if so, determining that the future asset value variation trend of the target asset is an up-rating trend, and if not, determining that the future asset value variation trend of the target asset is a down-rating trend;
and/or the presence of a gas in the gas,
calculating a difference between the estimated asset value and the current asset value of the target asset;
and judging whether the difference value is larger than a preset value difference threshold value, if so, judging that the future asset value change trend of the target asset is in an unstable state, and if not, judging that the future asset value change trend of the target asset is in a stable state.
Optionally, the operation determining module 304 determines a specific manner of the asset management operation corresponding to the target asset according to the future asset value change trend of the target asset, and the specific manner may include:
and when the future asset value variation trend of the target asset is the appreciation trend, determining the asset management operation corresponding to the target asset as a buying operation, and when the future asset value variation trend of the target asset is the depreciation trend, determining the asset management operation corresponding to the target asset as a selling operation.
Optionally, the operation determining module 304 determines a specific manner of the asset management operation corresponding to the target asset according to the future asset value change trend of the target asset, and the specific manner may include:
and when the future asset value change trend of the target asset is an unstable trend, determining that the asset variation amount of the asset management operation corresponding to the target asset is smaller than the preset asset variation amount.
The arrangement aims to control the buying or selling amplitude of the target asset when the future asset value change trend of the target asset is an unstable trend so as to effectively reduce the loss risk caused by market fluctuation.
Therefore, according to the optional embodiment, the future asset value change trend of the target asset is determined according to the time change relationship between the current asset value of the target asset and the plurality of historical asset values of the target asset, and the asset management operation corresponding to the target asset is determined according to the future asset value change trend of the target asset, so that the asset management operation which is more suitable for the market rule and higher in the profitability can be formulated according to the current asset value and the historical asset value of the target asset, and the efficiency and the automation degree of asset management are greatly improved.
Example four
Referring to fig. 5, fig. 5 is a schematic structural diagram of another asset management device based on tag evaluation according to an embodiment of the disclosure. As shown in fig. 5, the apparatus may include:
a memory 401 storing executable program code;
a processor 402 coupled with the memory 401;
the processor 402 calls the executable program code stored in the memory 401 to perform some or all of the steps of the asset management method based on tag valuation disclosed in the first or second embodiment of the present invention.
EXAMPLE five
The embodiment of the invention discloses a computer storage medium, which stores computer instructions, and when the computer instructions are called, the computer instructions are used for executing part or all of the steps of the asset management method based on the mark evaluation disclosed in the first embodiment or the second embodiment of the invention.
The above-described embodiments of the apparatus are merely illustrative, and the modules described as separate components may or may not be physically separate, and the components shown as modules may or may not be physical modules, may be located in one place, or may be distributed on a plurality of network modules. Some or all of the modules may be selected according to actual needs to achieve the purpose of the solution of the present embodiment. One of ordinary skill in the art can understand and implement it without inventive effort.
Through the above detailed description of the embodiments, those skilled in the art will clearly understand that the embodiments may be implemented by software plus a necessary general hardware platform, and may also be implemented by hardware. Based on such understanding, the above technical solutions may be embodied in the form of a software product, which may be stored in a computer-readable storage medium, where the storage medium includes a Read-Only Memory (ROM), a Random Access Memory (RAM), a Programmable Read-Only Memory (PROM), an Erasable Programmable Read-Only Memory (EPROM), a One-time Programmable Read-Only Memory (OTPROM), an Electrically Erasable Programmable Read-Only Memory (EEPROM), a Compact Disc-Read-Only Memory (CD-ROM), or other disk memories, CD-ROMs, or other magnetic disks, A tape memory, or any other medium readable by a computer that can be used to carry or store data.
Finally, it should be noted that: the asset management method and device based on the mark evaluation disclosed in the embodiments of the present invention are only preferred embodiments of the present invention, and are only used for illustrating the technical solutions of the present invention, not for limiting the same; although the present invention has been described in detail with reference to the foregoing embodiments, it will be understood by those skilled in the art; the technical solutions described in the foregoing embodiments may still be modified, or some technical features may be equivalently replaced; and the modifications or the substitutions do not make the essence of the corresponding technical solutions depart from the spirit and scope of the technical solutions of the embodiments of the present invention.

Claims (15)

1. A method for asset management based on tag valuation, the method comprising:
determining asset information of a target object, and marking the target asset in the asset information of the target object; the target asset comprises one or both of a physical asset and an intangible asset;
acquiring asset assessment reference data, and determining asset assessment rules according to the asset assessment reference data, wherein the asset assessment rules are used for determining asset assessment parameters corresponding to different asset categories;
and evaluating the marked target assets according to the asset evaluation rules to obtain the current asset value of the target assets.
2. The asset management method based on tag valuation as claimed in claim 1, wherein said determining asset information of the target object comprises:
acquiring a financial record of a target object; the financial records comprise a plurality of financial incoming and outgoing records and corresponding financial categories;
and screening the financial incoming and outgoing records of which the financial categories belong to the asset transaction categories in the financial records according to a preset asset judgment rule, and determining the assets corresponding to the screened financial incoming and outgoing records as the asset information of the target object.
3. The asset management method based on tag valuation of claim 1, wherein said obtaining asset valuation reference data from which asset valuation rules are determined comprises:
acquiring asset price publishing information of an asset management organization; the asset price publishing information comprises asset publishing prices corresponding to different asset categories; the asset publication price comprises one or more of an asset start price, an asset deal price, or an asset assessment price;
and analyzing the asset price publishing information to obtain asset evaluation rules based on a preset data analysis algorithm so as to determine asset evaluation parameters corresponding to different asset categories.
4. The asset management method based on the mark evaluation as claimed in claim 3, wherein the analyzing the asset price publishing information to obtain the asset evaluation rule based on the preset data analysis algorithm to determine the asset evaluation parameters corresponding to different asset categories comprises:
determining asset publishing prices in a target history period corresponding to different asset categories in the asset price publishing information;
determining asset evaluation parameters corresponding to different asset classes according to asset published prices corresponding to the different asset classes in the asset price publishing information in a target historical period;
and determining asset assessment parameters corresponding to different asset categories according to the asset publishing prices corresponding to the different asset categories in the asset price publishing information in the target history period, wherein the asset assessment parameters comprise:
determining asset publishing price-time relations corresponding to different asset classes according to asset publishing prices corresponding to different asset classes in the asset price publishing information in a target history period;
and determining the asset publishing price-time relationship corresponding to the different asset types as asset evaluation parameters corresponding to the different asset types.
5. The asset management method based on the tagged evaluation as recited in claim 4, wherein said evaluating the tagged target asset for a current asset worth value of the target asset according to the asset evaluation rule comprises:
determining an asset class of the target asset tagged within a target time period;
according to the asset publishing price-time relationship corresponding to different asset types in the asset evaluation rule, the asset price of the asset type of the target asset in a target time period is estimated;
determining an asset price for the asset class of the target asset within a target time period as a current asset value of the target asset.
6. The tag valuation based asset management method of claim 1 further comprising:
determining asset management operation corresponding to the target asset according to the current asset value of the target asset and the historical asset value of the target asset; the asset management operation is used to indicate a buy and/or sell of the target asset.
7. The asset management method based on the tag valuation as claimed in claim 6, wherein the determining the asset management operation corresponding to the target asset according to the current asset worth value of the target asset and the historical asset worth value of the target asset comprises:
calculating a time-varying relationship of a plurality of historical asset values of the target asset;
determining a future asset value change trend of the target asset according to the time-varying relation between the current asset value of the target asset and a plurality of historical asset values of the target asset;
and determining asset management operation corresponding to the target asset according to the future asset value change trend of the target asset.
8. An asset management device based on tag valuation, the device comprising:
the marking module is used for determining the asset information of a target object and marking the target asset in the asset information of the target object; the target asset comprises one or both of a physical asset and an intangible asset;
the system comprises a determining module, a judging module and a judging module, wherein the determining module is used for acquiring asset evaluation reference data and determining asset evaluation rules according to the asset evaluation reference data, and the asset evaluation rules are used for determining asset evaluation parameters corresponding to different asset categories;
and the evaluation module is used for evaluating the marked target assets according to the asset evaluation rules so as to obtain the current asset value of the target assets.
9. The asset management device based on the mark evaluation as claimed in claim 8, wherein the specific way of determining the asset information of the target object by the mark module comprises:
acquiring a financial record of a target object; the financial records comprise a plurality of financial incoming and outgoing records and corresponding financial categories;
and screening the financial incoming and outgoing records of which the financial categories belong to the asset transaction categories in the financial records according to a preset asset judgment rule, and determining the assets corresponding to the screened financial incoming and outgoing records as the asset information of the target object.
10. The asset management device based on tag valuation of claim 8, wherein the determining module obtains asset valuation reference data from which a specific manner of determining asset valuation rules is determined comprises:
acquiring asset price publishing information of an asset management organization; the asset price publishing information comprises asset publishing prices corresponding to different asset categories; the asset publication price comprises one or more of an asset start price, an asset deal price, or an asset assessment price;
and analyzing the asset price publishing information to obtain asset evaluation rules based on a preset data analysis algorithm so as to determine asset evaluation parameters corresponding to different asset categories.
11. The asset management device based on mark evaluation as claimed in claim 10, wherein the determining module analyzes the asset price publishing information based on a preset data analysis algorithm to obtain asset evaluation rules, so as to determine the specific manner of asset evaluation parameters corresponding to different asset categories, and the specific manner includes:
determining asset publishing prices in a target history period corresponding to different asset categories in the asset price publishing information;
determining asset evaluation parameters corresponding to different asset classes according to asset published prices corresponding to the different asset classes in the asset price publishing information in a target historical period;
and determining asset assessment parameters corresponding to different asset categories according to the asset publishing prices corresponding to the different asset categories in the asset price publishing information in the target history period, wherein the asset assessment parameters comprise:
determining asset publishing price-time relations corresponding to different asset classes according to asset publishing prices corresponding to different asset classes in the asset price publishing information in a target history period;
and determining the asset publishing price-time relationship corresponding to the different asset types as asset evaluation parameters corresponding to the different asset types.
12. The asset management device based on the tagged evaluation as recited in claim 11, wherein the evaluation module evaluates the tagged target asset for a specific manner of obtaining the current asset value of the target asset according to the asset evaluation rule, comprising:
determining an asset class of the target asset tagged within a target time period;
according to the asset publishing price-time relationship corresponding to different asset types in the asset evaluation rule, the asset price of the asset type of the target asset in a target time period is estimated;
determining an asset price for the asset class of the target asset within a target time period as a current asset value of the target asset.
13. The asset management device based on tag valuation of claim 8, wherein said device further comprises:
the operation determining module is used for determining asset management operation corresponding to the target asset according to the current asset value of the target asset and the historical asset value of the target asset; the asset management operation is used to indicate a buy and/or sell of the target asset.
14. The asset management device based on the tag valuation as claimed in claim 13, wherein the operation determining module determines the specific manner of the asset management operation corresponding to the target asset according to the current asset worth value of the target asset and the historical asset worth value of the target asset, and comprises:
calculating a time-varying relationship of a plurality of historical asset values of the target asset;
determining a future asset value change trend of the target asset according to the time-varying relation between the current asset value of the target asset and a plurality of historical asset values of the target asset;
and determining asset management operation corresponding to the target asset according to the future asset value change trend of the target asset.
15. An asset management device based on tag valuation, the device comprising:
a memory storing executable program code;
a processor coupled with the memory;
the processor calls the executable program code stored in the memory to perform the asset management method based on tag valuation of any of claims 1-7.
CN202110052156.4A 2021-01-15 2021-01-15 Asset management method and device based on mark evaluation Pending CN112734491A (en)

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Cited By (3)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
CN113298383A (en) * 2021-05-26 2021-08-24 凯美瑞德（苏州）信息科技股份有限公司 Asset assessment method and device and electronic equipment
CN113962744A (en) * 2021-10-29 2022-01-21 重庆汇集源科技有限公司 Real estate rent dynamic monitoring system
CN113988639A (en) * 2021-10-29 2022-01-28 重庆汇集源科技有限公司 Asset value dynamic management system

Cited By (3)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
CN113298383A (en) * 2021-05-26 2021-08-24 凯美瑞德（苏州）信息科技股份有限公司 Asset assessment method and device and electronic equipment
CN113962744A (en) * 2021-10-29 2022-01-21 重庆汇集源科技有限公司 Real estate rent dynamic monitoring system
CN113988639A (en) * 2021-10-29 2022-01-28 重庆汇集源科技有限公司 Asset value dynamic management system

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