CN113409152B

CN113409152B - Adaptation method, device, equipment and storage medium for financial product combination

Info

Publication number: CN113409152B
Application number: CN202110693931.4A
Authority: CN
Inventors: 林灶伟
Original assignee: Ping An Technology Shenzhen Co Ltd
Current assignee: Ping An Technology Shenzhen Co Ltd
Priority date: 2021-06-22
Filing date: 2021-06-22
Publication date: 2023-08-25
Anticipated expiration: 2041-06-22
Also published as: CN113409152A

Abstract

The application relates to the technical field of financial information, and discloses a method, a device, equipment and a storage medium for adapting a financial product combination, wherein the method comprises the following steps: respectively determining financial product combination identifiers according to each pooling task identifier in the pooling task identifier set, and determining a financial product combination set to be analyzed from a financial product combination list; finding out a financial product combination with an automatic pooling rule from a financial product combination set to be analyzed and determining a plurality of initial pooling financial product sets from a financial product list according to the automatic pooling rule; obtaining a plurality of target pooled financial product sets according to the financial product combination basic information, the automatic pooling rules and the initial pooled financial product sets of each financial product combination in the financial product combination set to be adjusted; updating each financial product combination of the financial product combination set to be adjusted according to each target pooled financial product set. The method is beneficial to the rapid optimization of the combination of financial products.

Description

Adaptation method, device, equipment and storage medium for financial product combination

Technical Field

The present application relates to the field of financial information technologies, and in particular, to a method, an apparatus, a device, and a storage medium for adapting a financial product combination.

Background

The financial product combination generally refers to selecting some financial products (such as bonds, stocks, funds, etc.) with operational significance from the investment market to be put into a product combination, and then selecting the financial products suitable for buying by the investor from the financial product combination according to the situation and the change of the disc surface of the investor. The financial product combination represents an investment combination, namely, one money is distributed and invested in a plurality of financial products, which is beneficial to reducing investment risk. Thus, the selection of financial products within a financial product portfolio is required, such as different industry collocations, high-gain (meaning high risk at the same time) and low-risk (meaning low gain at the same time) collocations, long-term collocations, etc.

In the prior art, because the number of the financial products is large, a method of screening the financial products according to the ratings of the financial products and putting the financial products into the financial product combination is adopted regularly. However, the characteristics of the financial products are uncertain and can change in real time, so that the accuracy of the combination of the financial products is low, the control of investors on investment bins is affected, and great economic loss can be caused to the investors.

Disclosure of Invention

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

In order to achieve the above object, the present application provides a method for adapting a combination of financial products, the method comprising:

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

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

acquiring a financial product combination list, and searching financial product combinations 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 initial pooling financial product sets;

respectively carrying out pooling verification on financial products according to the financial product combination basic information, the automatic pooling rule and the initial pooling financial product set of each financial product combination in the financial product combination set to be adjusted to obtain a plurality of target pooling financial product sets;

and updating each financial product combination of the financial product combination set to be adjusted according to each target pooled 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 creation request;

responding to the financial product combination creation 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 the financial product combination to be configured;

performing rule configuration interface display 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;

correlating the automatic pooling rules to be processed and the automatic pooling rules to be processed with the financial product combination to be configured to obtain the configured financial product combination;

updating the configured financial product combination into the financial product combination list.

Further, the step of obtaining the automatic pool entering rule to be processed and the automatic pool exiting rule to be processed according to the target rule configuration interface includes:

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

generating an automatic pooling rule according to the pooling rule configuration data to obtain the automatic pooling rule to be processed;

according to the basic information of the to-be-processed financial product combination and the target rule configuration interface, pool-out rule configuration data are obtained, and the pool-out rule configuration data comprise: the rule object identification and the rule object configuration data;

And generating an automatic pool discharging rule according to the pool discharging rule configuration data to obtain the automatic pool discharging rule to be processed.

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

creating a pooling timing task according to the configured financial product combination to obtain the pooling timing task to be executed;

creating a pool discharging timing task according to the configured financial product combination to obtain a pool discharging timing task to be executed;

and sending the to-be-executed in-pool timing task and the to-be-executed out-pool timing task to a timing task scheduling module, wherein the timing task scheduling module performs timing execution on the to-be-executed in-pool timing task and the to-be-executed out-pool timing task through a timing task trigger.

Further, the step of updating each of the financial product combinations of the set of financial product combinations to be adjusted according to each of the target pooled financial product sets includes:

Acquiring one financial product combination from the financial product combinations of the financial product combination set to be adjusted as a financial product combination to be pooled;

according to the pooling approval rules of the to-be-pooled financial product combination, respectively judging whether each financial product in the target pooling financial product set corresponding to the to-be-pooled financial product combination is approved or not, and obtaining a plurality of pooling approval judgment results;

when the checking and approval judging result in the pool is not required to be checked and approved, adding all the financial products which are not required to be checked and approved in the pool to the financial product combination to be checked and approved;

when the in-pool approval judging result is to be approved, all the financial products which are judged to be approved by the in-pool approval judging result are sent to an approval end, and in-pool approval results sent by the approval end are obtained;

when the pooling approval result is the permission to pool, adding all the financial products of which the pooling approval result is the permission to pool into the financial product combination to be pooled;

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

Further, the method further comprises:

obtaining a pool-out task execution request, wherein the pool-out task execution request carries a pool-out task identification set;

respectively determining financial product combination identifiers according to each out-of-pool task identifier in the out-of-pool task identifier set to obtain a financial product combination identifier set to be processed;

finding out the financial product combination configured with the automatic out-of-pool rule from the financial product combinations 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 target financial product sets of all financial product combinations 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, so as to obtain a plurality of target pooled financial product sets;

and updating each financial product combination of the to-be-processed financial product combination set according to each target out-of-pool financial product set.

Further, the step of updating each of the financial product combinations of the set of to-be-processed financial product combinations according to each of the target pooled financial product sets includes:

Acquiring one financial product combination from the financial product combinations of the to-be-processed financial product combination set as a to-be-pooled financial product combination;

according to the out-of-pool approval rules of the out-of-pool financial product combination, respectively judging whether each financial product in the target out-of-pool financial product set corresponding to the out-of-pool financial product combination is approved or not, and obtaining a plurality of out-of-pool approval judgment results;

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

when the out-of-pool approval judging result is to be approved, all the financial products, the out-of-pool approval judging result is to be approved, are sent to an approval end, and the out-of-pool approval result sent by the approval end is obtained;

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

repeating the step of acquiring one financial product combination from the financial product combinations in the to-be-processed financial product combination set as an out-of-pool financial product combination until the acquisition of the financial product combination in the to-be-processed financial product combination set is completed.

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

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

the financial product combination identifier set determining module is used for determining financial product combination identifiers according to each pooling task identifier in the pooling task identifier set respectively 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 searching financial product combinations from the financial product combination list according to the financial product combination identification set to be preprocessed to obtain the financial product combination set to be analyzed;

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

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

The target pooling financial product set determining module is used for performing pooling verification of financial products according to financial product combination basic information of each financial product combination in the financial product combination set to be adjusted, the automatic pooling rule and the initial-selection pooling financial product set respectively to obtain a plurality of target pooling 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 pooled financial product set.

The application also proposes a computer device comprising a memory storing a computer program and a processor implementing the steps of any of the methods described above when the processor executes the computer program.

The application also proposes a computer-readable storage medium, on which a computer program is stored, which, when being executed by a processor, implements the steps of the method of any of the above.

According to the adaptation method, the device, the equipment and the storage medium of the financial product combination, the financial product combination to be preprocessed is obtained by firstly acquiring the pooling task execution request, wherein the pooling task execution request carries the pooling task identification set, secondly determining the financial product combination identification according to each pooling task identification in the pooling task identification set, the financial product combination identification set to be preprocessed is obtained, the financial product combination searching is carried out from a financial product combination list according to the financial product combination identification set to be preprocessed, the financial product combination set to be analyzed is obtained, the financial product combination with the automatic pooling rule is found out from the financial product combination set to be analyzed, the financial product combination set to be adjusted is obtained, then the financial product is obtained from the financial product list according to the automatic pooling rule of each financial product combination to be adjusted, a plurality of initial pooling financial product sets are obtained, the financial product combination is verified according to the financial product combination basic information of each financial product combination set to be adjusted, the automatic pooling rule and the initial pooling financial product pooling set to be processed, a plurality of target pooling financial product combinations are obtained, the financial product combination sets are finally, the financial product to be automatically-pooled is updated according to the automatic target combination set to be updated, and the financial product update request is automatically carried out according to the automatic change of the financial product combination sets to be updated, and the financial product update request is carried out in real time.

Drawings

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

FIG. 2 is a schematic block diagram of an adapting device for a financial product assembly according to an embodiment of the present application;

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

The achievement of the objects, functional features and advantages of the present application will be further described with reference to the accompanying drawings, in conjunction with the embodiments.

Detailed Description

The present application will be described in further detail with reference to the drawings and examples, in order to make the objects, technical solutions and advantages of the present application more apparent. It should be understood that the specific embodiments described herein are for purposes of illustration only and are not intended to limit the scope of the application.

Referring to fig. 1, in an embodiment of the present application, there is provided a method for adapting a combination of financial products, the method including:

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

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

s3: acquiring a financial product combination list, and searching financial product combinations 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 initial pooling financial product sets;

s6: respectively carrying out pooling verification on financial products according to the financial product combination basic information, the automatic pooling rule and the initial pooling financial product set of each financial product combination in the financial product combination set to be adjusted to obtain a plurality of target pooling financial product sets;

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

According to the embodiment, a pooling task execution request is firstly obtained, the pooling task execution request carries a pooling task identification set, financial product combination identification determination is respectively carried out according to each pooling task identification in the pooling task identification set to obtain a financial product combination identification set to be preprocessed, financial product combination searching is carried out 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, financial product combinations with automatic pooling rules are found out from the financial product combination set to be analyzed, the financial product combination set to be adjusted is obtained, then financial products are obtained from a financial product list according to the automatic pooling rules of each financial product combination in the financial product combination set to be adjusted, a plurality of initial pooling financial product sets are obtained, financial product pooling verification of financial products is carried out according to each financial product combination basic information, the automatic pooling rules and the initial pooling financial product sets in the financial product combination set to be preprocessed, a plurality of target pooling financial product sets are obtained, and finally, financial product combinations to be automatically updated are automatically updated according to the target pooling sets to be analyzed, financial product combinations are automatically updated, financial product combination requirements are automatically updated, and financial product pooling requirements are rapidly changed according to the automatic pooling requirements are realized, and financial product pooling requirements are rapidly changed.

For S1, a request for executing the pooling task input by a user can be obtained, a request for executing the pooling task input by a third-party application system can be obtained, and the request for executing the pooling task triggered by the application program according to the preset triggering condition of the pooling task can be obtained. For example, the timing task scheduling module actively triggers a request for executing the pooling task according to the parameters of the pooling timing task through the timing task trigger.

The pooling task execution request is a request for screening financial products to enter a financial product combination.

The pooling task identification set comprises one or more pooling task identifications. The pooled task identifier may be a pooled task name, a pooled task ID, etc. that uniquely identifies one pooled task. It is to be appreciated that the pooling tasks may be timed tasks (also referred to as pooling timed tasks) or non-timed tasks.

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

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

The financial product combination identifier may be data uniquely identifying one financial product combination, such as a financial product combination ID.

For S3, the financial product combination list may be obtained from the database, the financial product combination list input by the user may be obtained, or the financial product combination list may be obtained from the third party application system.

The financial product combination list includes: financial product combination identification, financial product combination basic information, automatic pooling rules and financial product collection. Financial product portfolio base information includes, but is not limited to: financial product portfolio name, financial product portfolio category, financial product portfolio investment market, financial product portfolio investment variety, and financial product maximum upper limit number. 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: one or more of a pick-up, a deep pick-up, and a harbor stock. Financial product portfolio investment varieties include, but are not limited to: one or more of bonds, stocks, funds. The maximum upper limit number of financial products 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 automatically taking out of the pool.

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

The automatic pool-out rule includes: the financial product out-of-pool initial selection rule and the financial product out-of-pool rule. The financial product out-of-pool initial selection rule is a rule for financial product rating data of financial products and rating data of institutions to which the financial products belong in a financial product combination. The financial product out-of-pool rule is a rule for matching the financial product basic information of the financial product in the financial product combination with the financial product combination basic information of the industry to which the financial product belongs.

The financial product ratings data includes: long-term rating of financial products, short-term rating of financial products. The rating data of the institution to which the financial product belongs includes: the long term ratings of the institution to which the financial product belongs and the short term ratings of the 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 financial product combination identifier corresponding to each 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 judging non-null values of the automatic pooling rules of the to-be-analyzed financial product combination sets corresponding to the to-be-analyzed financial product combinations, and taking all the to-be-analyzed financial product combinations with the automatic pooling rules of non-null values as a to-be-adjusted financial product combination set when the automatic pooling rules corresponding to the to-be-analyzed financial product combinations are non-null values.

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

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

And acquiring financial products meeting the automatic pooling rule of the financial product to be initially selected from the financial product list, and taking all acquired financial products as initial pooling financial product sets corresponding to the financial product to be initially selected, wherein the financial product to be initially selected is any financial product combination in the financial product combination set to be adjusted.

For example, if the rule of initial selection of financial products into the pool is that the long-term rating of bonds is larger than AA, the financial products are BD001, the national debt and the long-term rating are AAA, the financial products conform to the rule of initial selection of financial products into the pool, and the financial products set of initial selection into the pool can be put BD001, the national debt and the long-term rating are AAA, which is not limited in particular.

S6, acquiring a financial product from the initial pool-entering financial product set corresponding to the financial product combination to be subjected to pool-entering judgment as a financial product to be subjected to pool-entering judgment; according to the basic information of the financial products to be pooled and the basic information of the financial product combinations to be pooled, which are the industries to which the financial products belong, judging whether the basic information of the financial product combinations to be pooled meets the automatic pooling rules corresponding to the financial product combinations to be pooled, and when the basic information of the financial product combinations to be pooled meets the automatic pooling rules, the financial products to be pooled are placed into the target pooling financial product sets corresponding to the financial product combinations to be pooled; and the to-be-pooled judging unit judges that the financial product combination is any financial product combination in the to-be-regulated financial product combination set.

For example, the financial product pooling rule of the financial product combination "bond pond 001" is "pond category is bond, investment market is up place, investment variety is bond", the financial product "national bond 001, up place" and "stock 003, up place", "national bond 001, up place" corresponds to "pond category is bond, investment market is up place, investment variety is bond", so that "national bond 001, up place" can be put into the target pooling financial product set corresponding to the financial product combination "bond pond 001", while "stock 003, up place" corresponds to "pond category is bond, investment market is up place, investment variety is bond", so that "stock 003, up place" cannot be put into the target pooling financial product set corresponding to the financial product combination "bond pond 001", which is not particularly limited herein.

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

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

s11: acquiring a financial product combination creation request;

s12: responding to the financial product combination creation 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 the financial product combination to be configured;

s14: performing rule configuration interface display 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: correlating the automatic pooling rules to be processed and the automatic pooling rules to be processed with the financial product combination to be configured to obtain the configured financial product combination;

S17: updating the configured financial product combination into the financial product combination list.

According to the embodiment, the financial product combination is created according to the basic information of the financial product combination to be processed, and the automatic pool entering rule and the automatic pool exiting rule are configured for the created financial product combination, so that automation of the pool entering and the pool exiting of the financial product combination is improved, optimization of the financial product combination is facilitated to be performed rapidly according to the real-time change, and accuracy of the financial product combination is further improved.

For S11, a financial product combination creation request input by the user may be acquired, or a financial product combination creation request input by the third party application system may be acquired.

A request for creation of a new financial product portfolio.

And for S12, responding to the financial product combination creation request, and acquiring the basic information of the financial product combination to be processed, which is input by a user.

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 financial product combination obtained by creation 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 wide area network) page.

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

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

For S17, the configured financial product combination is added to the financial product combination list.

In one embodiment, the step of obtaining the automatic pool entering rule to be processed and the automatic pool exiting rule to be processed according to the target rule configuration interface includes:

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

S152: generating an automatic pooling rule according to the pooling rule configuration data to obtain the automatic pooling rule to be processed;

s153: according to the basic information of the to-be-processed financial product combination and the target rule configuration interface, pool-out rule configuration data are obtained, and the pool-out rule configuration data comprise: the rule object identification and the rule object configuration data;

s154: and generating an automatic pool discharging rule according to the pool discharging rule configuration data to obtain the automatic pool discharging rule to be processed.

The embodiment realizes the configuration of the automatic pool entering rule and the automatic pool exiting rule by adopting the rule objects, simplifies the configuration flow and improves the configuration speed.

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

The rule object library comprises: rule object identification and rule object script. The rule object script defines an operational expression therein. It can be understood that data and rule object configuration data are input to a rule object script, the rule object script performs operation according to the input data in combination with the rule object configuration data, and the operation end the rule object script outputs an operation result.

The rule object identification may be a rule object name, a rule object ID, etc. that uniquely identifies a rule object script.

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

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

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

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

s161: creating a pooling timing task according to the configured financial product combination to obtain the pooling timing task to be executed;

s162: creating a pool discharging timing task according to the configured financial product combination to obtain a pool discharging timing task to be executed;

s163: and sending the to-be-executed in-pool timing task and the to-be-executed out-pool timing task to a timing task scheduling module, wherein the timing task scheduling module performs timing execution on the to-be-executed in-pool timing task and the to-be-executed out-pool timing task through a timing task trigger.

According to the embodiment, the pond-in timing task creation is carried out according to the configured financial product combination and the pond-out timing task creation is carried out according to the configured financial product combination, so that pond-in and pond-out operations of the financial product combination are carried out regularly, automation of pond-in and pond-out of the financial product combination is further improved, optimization of the financial product combination is carried out according to real-time changes, and accuracy of the financial product combination is further improved.

For S161, creating a timing task according to the configured financial product combination, and taking the created timing task as a pooling 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 to-be-configured pooling timing task, associating the acquired scheduling function component identification set and scheduling time configuration data with the to-be-configured pooling timing task, and then taking the to-be-configured pooling timing task as the to-be-executed pooling timing task. The set of scheduling function component identifications includes one or more scheduling function component identifications.

Parameters of the pooling timing task to be executed include, but are not limited to: the method comprises the steps of timing task identification, timing task type, financial product combination identification, scheduling function component identification set and scheduling time configuration data, wherein the timing task type is set as a pooling task.

The dispatch function component identifies the class package name and method name of the Java (object oriented programming language) that the corresponding component encapsulates to be invoked.

Alternatively, the schedule time profile may be set to be executed once per day at 7 points. It will be appreciated that the schedule time configuration data may also be configured to be executed in other manners, such as once per hour, and the examples are not specifically limited herein.

For S162, creating a timing task according to the configured financial product combination, and taking the created timing task as an out-of-pool 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.

Parameters of the out-of-pool timing task to be executed include, but are not limited to: the method comprises the steps of timing task identification, timing task type, financial product combination identification, scheduling function component identification set and scheduling time configuration data, wherein the timing task type is set as an out-of-pool task.

For S163, the inbound timing task to be executed and the outbound timing task to be executed are sent to a timing task scheduling module.

In one embodiment, the step of updating each of the financial product combinations of the to-be-adjusted financial product combination set according to each of the target pooled financial product sets includes:

S71: acquiring one financial product combination from the financial product combinations of the financial product combination set to be adjusted as a financial product combination to be pooled;

s72: according to the pooling approval rules of the to-be-pooled financial product combination, respectively judging whether each financial product in the target pooling financial product set corresponding to the to-be-pooled financial product combination is approved or not, and obtaining a plurality of pooling approval judgment results;

s73: when the checking and approval judging result in the pool is not required to be checked and approved, adding all the financial products which are not required to be checked and approved in the pool to the financial product combination to be checked and approved;

s74: when the in-pool approval judging result is to be approved, all the financial products which are judged to be approved by the in-pool approval judging result are sent to an approval end, and in-pool approval results sent by the approval end are obtained;

s75: when the pooling approval result is the permission to pool, adding all the financial products of which the pooling approval result is the permission to pool into the financial product combination to be pooled;

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

The embodiment realizes whether to examine and approve judgment by adopting the examination and approval rule screening of the pooling, and the pooling is carried out on the financial products to be examined and approved after the examination and approval are passed, and the financial products not to be examined and approved are directly and automatically pooled, so that personalized pooling control for the financial product combination is facilitated, and the accuracy of the financial product combination is further improved.

And for S71, sequentially acquiring one financial product combination from each financial product combination in the financial product combination set to be adjusted, and taking the acquired financial product combination as a financial product combination to be pooled.

For S72, a financial product is obtained from the target pooled financial product set corresponding to the pooled financial product combination as a financial product for pooled approval judgment; judging whether the financial products to be subjected to the pooling approval judgment conform to pooling approval rules of the financial product combination to be subjected to pooling, when the pooling approval rules of the financial product combination to be subjected to pooling are met, determining that the pooling approval judgment result corresponding to the financial product to be subjected to pooling approval judgment is to be subjected to approval, and when the pooling approval rules of the financial product combination to be subjected to pooling are not met, determining that the pooling approval judgment result corresponding to the financial product to be subjected to pooling approval judgment is not to be subjected to approval.

For S73, when the approval result is not required, it means that the approval end does not need to perform the approval control, and at this time, all the financial products that are not required to be approved as the approval result may be directly added to the to-be-approved financial product combination.

For S74, when the in-pool approval judging result is the to-be-approved, it means that the to-be-approved end performs in-pool control, so that all the financial products of which the in-pool approval judging result is the to-be-approved are sent to the approval end, and the in-pool approval results sent by the approval end respectively according to each financial product of which the in-pool approval judging result is the to-be-approved are obtained.

For S75, when the approval result in the pool is approval in the pool, it means that the approval end still accords with the pool after the approval, so that all the financial products in the pool, for which the approval result in the pool is approval in the pool, are added into the financial product combination to be pooled.

When the pooling approval result is an disallowed pool, adding all the financial products of which the pooling approval result is the disallowed pool into an automatic pooling task execution record table; and according to a preset sending rule, sending the automatic pooling task execution record list.

For S76, steps S71 to S75 are repeatedly performed until the acquisition of the financial product combination set to be adjusted is completed.

In one embodiment, the method further comprises:

s81: obtaining a pool-out task execution request, wherein the pool-out task execution request carries a pool-out task identification set;

s82: respectively determining financial product combination identifiers according to each out-of-pool task identifier in the out-of-pool task identifier set to obtain a financial product combination identifier set to be processed;

s83: finding out the financial product combination configured with the automatic out-of-pool rule from the financial product combinations 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 target financial product sets of all financial product combinations 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, so as to obtain a plurality of target pooled financial product sets;

s85: and updating each financial product combination of the to-be-processed financial product combination set according to each target out-of-pool financial product set.

According to the embodiment, automatic out-of-pool of the financial product combination is realized according to the out-of-pool task execution request, so that the optimization of the financial product combination is further and rapidly carried out according to the real-time change, and the accuracy of the financial product combination is further improved.

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

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

The out-of-pool task identification set comprises one or more out-of-pool task identifications. The out-of-pool task identifier may be data that uniquely identifies an out-of-pool task, such as an out-of-pool task name, an out-of-pool task ID, etc. It will be appreciated that the out-of-pool task may be a timed task (also referred to as an out-of-pool timed task) or may be a non-timed task.

It will be appreciated that each out-of-pool task corresponds to a financial product portfolio.

For S82, financial product combination identifiers are obtained from parameters of the out-of-pool task corresponding to each out-of-pool task identifier in the out-of-pool task identifier set, and all the obtained financial product combination identifiers are used as a set of financial product combination identifiers to be processed.

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

For S84, acquiring financial products conforming to the automatic out-of-pool rule of the financial product combination to be out-of-pool analysis from the financial product set of the financial product combination to be out-of-pool analysis, and taking all acquired financial products as target out-of-pool financial product sets corresponding to the financial product combination to be out-of-pool analysis, wherein the financial product combination to be out-of-pool analysis is any financial product combination in the financial product combination set to be processed.

And for S85, deleting the target out-of-pool financial product set to be deleted from the financial product combination corresponding to the target out-of-pool financial product set to be deleted, wherein the target out-of-pool financial product set to be deleted is any one of the target out-of-pool financial product sets.

In one embodiment, the step of updating each of the financial product combinations of the to-be-processed financial product combination set according to each of the target pooled financial product sets includes:

s851: acquiring one financial product combination from the financial product combinations of the to-be-processed financial product combination set as a to-be-pooled financial product combination;

s852: according to the out-of-pool approval rules of the out-of-pool financial product combination, respectively judging whether each financial product in the target out-of-pool financial product set corresponding to the out-of-pool financial product combination is approved or not, and obtaining a plurality of out-of-pool approval judgment results;

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

S854: when the out-of-pool approval judging result is to be approved, all the financial products, the out-of-pool approval judging result is to be approved, are sent to an approval end, and the out-of-pool approval result sent by the approval end is obtained;

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

s856: repeating the step of acquiring one financial product combination from the financial product combinations in the to-be-processed financial product combination set as an out-of-pool financial product combination until the acquisition of the financial product combination in the to-be-processed financial product combination set is completed.

The embodiment realizes whether to examine and approve judgment by adopting the examination and approval rule screening of the out-of-pool, and then goes out of the pool after examination and approval of the financial products to be examined and approved, and directly and automatically goes out of the pool of the financial products not to be examined and approved, thereby being beneficial to personalized out-of-pool control for the financial product combination and further improving the accuracy of the financial product combination.

For S851, one of the financial product combinations is sequentially obtained from each of the financial product combinations of 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 S852, obtaining one financial product from the target out-of-pool financial product set corresponding to the out-of-pool financial product combination as a financial product for out-of-pool approval judgment; judging whether the financial products to be checked and approved are in accordance with the out-pool check and approval rule of the out-pool financial product combination, when the out-pool check and approval rule of the out-pool financial product combination is met, determining that the out-pool check and approval judgment result corresponding to the financial products to be checked and approved is to be checked and approved, and when the out-pool check and approval rule of the out-pool financial product combination is not met, determining that the out-pool check and approval judgment result corresponding to the financial products to be checked and approved is not to be checked and approved.

For S853, when the out-of-pool approval judging result is that the approval is not required, it means that the approval end is not required to perform out-of-pool control, and at this time, all the financial products of which the out-of-pool approval judging result is that the approval is not required can be directly deleted from the to-be-out-pool financial product combination.

For S854, when the out-of-pool approval determination result is the to-be-approved, it means that the to-be-approved end performs out-of-pool control, so that all the financial products for which the out-of-pool approval determination result is the to-be-approved are sent to the approval end, and the out-of-pool approval result sent by the approval end according to each financial product for which the out-of-pool approval determination result is the to-be-approved is obtained.

For S855, when the out-of-pool approval result is approval out of the pool, it means that the approval end still accords with out of the pool after auditing, so that all the financial products of which the out-of-pool approval result is approval out of the pool are deleted from the to-be-out-pool financial product combination.

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

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

Referring to fig. 2, the application also proposes an adapting device for a financial product combination, said device comprising:

the request acquisition module 100 is configured to acquire a pooling task execution request, where the pooling task execution request carries a pooling task identifier set;

the financial product combination identifier set determining module 200 to be preprocessed is configured to determine a financial product combination identifier according to each pooling task identifier in the pooling task identifier set, so as to obtain a financial product combination identifier set to be preprocessed;

The financial product combination set determining module 300 to be analyzed is configured to obtain a financial product combination list, and perform financial product combination search from the financial product combination list according to the financial product combination identifier set to be preprocessed, so as 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 an automatic pooling rule from the to-be-analyzed financial product combination set, so as to obtain a to-be-adjusted financial product combination set;

the initial-selection-pooling financial product set determining module 500 is 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 financial product combination set to be adjusted, so as to obtain a plurality of initial-selection-pooling financial product sets;

the target pooled financial product set determining module 600 is configured to perform pooled verification of financial products according to the financial product combination basic information of each financial product combination in the financial product combination set to be adjusted, the automatic pooled rule and the initial pooled financial product set, so as to obtain a plurality of target pooled financial product sets;

And a financial product combination updating module 700, configured to update each financial product combination of the to-be-adjusted financial product combination set according to each target pooled financial product set.

Referring to fig. 3, in an embodiment of the present application, there is further provided a computer device, which may be a server, and an internal structure thereof may be as shown in fig. 3. The computer device includes a processor, a memory, a network interface, and a database connected by a system bus. Wherein the computer is configured to provide computing and control capabilities. The memory of the computer device includes a non-volatile storage medium and an internal memory. The non-volatile storage medium stores an operating system, computer programs, and a database. The memory provides an environment for the operation of the operating system and computer programs in the non-volatile storage media. The database of the computer equipment 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 combination of financial products. The adaptation method of the financial product combination comprises the following steps: acquiring a pooling task execution request, wherein the pooling task execution request carries a pooling task identification set; determining a financial product combination identifier according to each pooling task identifier in the pooling task identifier set respectively to obtain a financial product combination identifier set to be preprocessed; acquiring a financial product combination list, and searching financial product combinations 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 initial pooling financial product sets; respectively carrying out pooling verification on financial products according to the financial product combination basic information, the automatic pooling rule and the initial pooling financial product set of each financial product combination in the financial product combination set to be adjusted to obtain a plurality of target pooling financial product sets; and updating each financial product combination of the financial product combination set to be adjusted according to each target pooled financial product set.

An embodiment of the present application also provides a computer-readable storage medium having stored thereon a computer program which, when executed by a processor, implements an adaptation method for a combination of financial products, comprising the steps of: acquiring a pooling task execution request, wherein the pooling task execution request carries a pooling task identification set; determining a financial product combination identifier according to each pooling task identifier in the pooling task identifier set respectively to obtain a financial product combination identifier set to be preprocessed; acquiring a financial product combination list, and searching financial product combinations 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 initial pooling financial product sets; respectively carrying out pooling verification on financial products according to the financial product combination basic information, the automatic pooling rule and the initial pooling financial product set of each financial product combination in the financial product combination set to be adjusted to obtain a plurality of target pooling financial product sets; and updating each financial product combination of the financial product combination set to be adjusted according to each target pooled financial product set.

According to the adaptation method of the executed financial product combination, firstly, a pooling task execution request is acquired, the pooling task execution request carries a pooling task identification set, secondly, financial product combination identification determination is carried out according to each pooling task identification in the pooling task identification set, the financial product combination identification set to be preprocessed is obtained, financial product combination searching is carried out from a financial product combination list according to the financial product combination identification set to be preprocessed, the financial product combination set to be analyzed is obtained, financial product combinations with automatic pooling rules are found out from the financial product combination set to be analyzed, the financial product combination set to be adjusted is obtained, then financial products are obtained 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, a plurality of initial pooling financial product sets are obtained, financial product pooling verification of financial products is carried out according to the financial product combination basic information of each financial product combination set to be adjusted, the automatic pooling rules and the initial pooling financial product sets in the financial product combination set to be preprocessed, a plurality of target pooling financial product sets are obtained, finally, the financial product combinations are updated according to each target pooling sets to be automatically, the financial product combination sets to be adjusted are updated, and financial product automatic pooling change is carried out according to the automatic request to be updated, and financial product change is fast, and financial product change is realized.

Those skilled in the art will appreciate that implementing all or part of the above described methods may be accomplished by way of a computer program stored on a non-transitory computer readable storage medium, which when executed, may comprise the steps of the embodiments of the methods described above. Any reference to memory, storage, database, or other medium provided by the present application and used in embodiments may include non-volatile and/or volatile memory. The nonvolatile 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), dual speed data rate SDRAM (SSRSDRAM), enhanced SDRAM (ESDRAM), synchronous Link DRAM (SLDRAM), memory bus direct RAM (RDRAM), direct memory bus dynamic RAM (DRDRAM), and memory bus dynamic RAM (RDRAM), among others.

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 one … …" does not exclude the presence of other like elements in a process, apparatus, article or method that comprises the element.

The foregoing description is only of the preferred embodiments of the present application and is not intended to limit the scope of the application, and all equivalent structures or equivalent processes using the descriptions and drawings of the present application or directly or indirectly applied to other related technical fields are included in the scope of the application.

Claims

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

Updating each financial product combination of the financial product combination set to be adjusted according to each target pooled financial product set;

the step of updating each of the financial product combinations of the set of financial product combinations to be adjusted according to each of the target pooled financial product sets includes:

2. The method of adapting a combination of financial products of claim 1, further comprising, prior to the step of obtaining the pooled task execution request:

acquiring a financial product combination creation request;

3. The method of adapting a combination of financial products of claim 2, wherein the step of obtaining an automatic pooling rule to be processed and an automatic pooling rule to be processed according to the target rule configuration interface comprises:

4. The method of adapting a combination of financial products of claim 2, wherein the steps of associating the automatic pooling rules to be processed and the automatic pooling rules to be processed with the combination of financial products to be configured, to obtain the combination of configured financial products, further comprise:

5. The method of adapting a combination of financial products of claim 1, further comprising:

6. The method of adapting a combination of financial products of claim 5, wherein said step of updating each of said combinations of financial products of said set of pending financial product combinations based on each of said target pooled financial product sets comprises:

7. An adapting device for a combination of financial products, characterized in that it is adapted to perform the method of any one of claims 1-6, said device comprising:

8. A computer device comprising a memory and a processor, the memory storing a computer program, characterized in that the processor implements the steps of the method of any of claims 1 to 6 when the computer program is executed.

9. A computer readable storage medium, on which a computer program is stored, characterized in that the computer program, when being executed by a processor, implements the steps of the method of any of claims 1 to 6.