WO2019019649A1 - Method and apparatus for generating investment portfolio product, storage medium and computer device - Google Patents

Method and apparatus for generating investment portfolio product, storage medium and computer device Download PDF

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Publication number
WO2019019649A1
WO2019019649A1 PCT/CN2018/078323 CN2018078323W WO2019019649A1 WO 2019019649 A1 WO2019019649 A1 WO 2019019649A1 CN 2018078323 W CN2018078323 W CN 2018078323W WO 2019019649 A1 WO2019019649 A1 WO 2019019649A1
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Prior art keywords
product
user
fixed investment
portfolio
information
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PCT/CN2018/078323
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French (fr)
Chinese (zh)
Inventor
田间
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深圳壹账通智能科技有限公司
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Publication of WO2019019649A1 publication Critical patent/WO2019019649A1/en

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    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q40/00—Finance; Insurance; Tax strategies; Processing of corporate or income taxes
    • G06Q40/06—Asset management; Financial planning or analysis
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06F—ELECTRIC DIGITAL DATA PROCESSING
    • G06F16/00—Information retrieval; Database structures therefor; File system structures therefor
    • G06F16/90—Details of database functions independent of the retrieved data types
    • G06F16/95—Retrieval from the web
    • G06F16/953—Querying, e.g. by the use of web search engines
    • G06F16/9535—Search customisation based on user profiles and personalisation
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q30/00—Commerce
    • G06Q30/06—Buying, selling or leasing transactions
    • G06Q30/0601—Electronic shopping [e-shopping]
    • G06Q30/0621—Item configuration or customization
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q30/00—Commerce
    • G06Q30/06—Buying, selling or leasing transactions
    • G06Q30/0601—Electronic shopping [e-shopping]
    • G06Q30/0631—Item recommendations

Definitions

  • the present application relates to the field of information processing technologies, and in particular, to a method, an apparatus, a storage medium, and a computer device for generating a portfolio product.
  • Portfolio products are a combination of investment products that are composed of a number of investment products (such as stocks, bonds, funds, insurance, futures, etc.) in a certain proportion.
  • the purpose of selecting a portfolio product is to spread risk and/or gain resource growth. With the diversification of investment products, it is an increasingly common trend to recommend asset portfolios to users.
  • a method for generating a portfolio product comprising: receiving a request for generating a portfolio product sent by a user terminal, wherein the generation request includes personal information of the corresponding user and expected resource change information; according to the personal information and the Calculating the user risk value of the user according to the expected resource change information; calculating the matching degree between each fixed investment product and the user according to the product risk value of each fixed investment product and the user risk value; and extracting the highest matching degree Product information of the first quantity of fixed investment products; calculating a combination ratio of each extracted fixed investment product according to the matching degree; generating a portfolio product according to the product information and the combined ratio, and using the portfolio product Product information is sent to the user terminal.
  • a device for generating a portfolio product comprising: a generation request acquisition module, configured to receive a generation request of a portfolio product sent by a user terminal, where the generation request includes personal information of the corresponding user and expected resource change information; a risk value calculation module, configured to calculate a user risk value of the user according to the personal information and the expected resource change information; a matching degree calculation module, configured to compare the product risk value of each fixed investment product with the user a risk value, calculating a matching degree between each fixed investment product and the user; a portfolio product generating module, configured to extract product information of a first quantity of fixed investment products with the highest matching degree; and calculating each extraction according to the matching degree a combination ratio of the fixed investment products; generating a portfolio product according to the product information and the combined ratio, and transmitting the product information of the portfolio product to the user terminal.
  • a computer readable storage medium having stored thereon computer instructions, the instructions being executed by the processor, the step of: receiving a request for generating a portfolio product sent by a user terminal, wherein the generating request includes personal information of the corresponding user and Expecting resource change information; calculating a user risk value of the user according to the personal information and the expected resource change information; calculating each fixed investment product according to a product risk value of each fixed investment product and the user risk value Matching degree with the user; extracting product information of the first quantity of fixed investment products with the highest matching degree; calculating a combination ratio of each extracted fixed investment product according to the matching degree; according to the product information and the combination The ratio generates a portfolio product, and the product information of the portfolio product is sent to the user terminal.
  • a computer device comprising a memory, a processor, and a computer program stored on the memory and operable on the processor, the processor executing the program, the step of: receiving a request for generating a portfolio product sent by the user terminal
  • the generation request includes personal information and expected resource change information of the corresponding user; calculating a user risk value of the user according to the personal information and the expected resource change information; and product risk value according to each fixed investment product Calculating, with the user risk value, a matching degree between each fixed investment product and the user; extracting product information of the first quantity of fixed investment products with the highest matching degree; calculating each extracted fixed investment product according to the matching degree a combination ratio; generating a portfolio product according to the product information and the combination ratio, and transmitting the product information of the portfolio product to the user terminal.
  • the above-mentioned method, apparatus, storage medium and computer equipment for generating a portfolio product is related to the user's personal information and expected resource change information, and realizes different investments according to different personal information and expected resource change information.
  • the combination of product generation makes the generated portfolio products more flexible and versatile, and more compatible with users.
  • 1 is an application environment diagram of a method for generating a portfolio product in an embodiment
  • FIG. 2 is a flow chart of a method for generating a portfolio product in an embodiment
  • FIG. 3 is a flow chart showing a process of resource simulation processing of a portfolio product in one embodiment
  • FIG. 4 is a flow chart of a method for generating a portfolio product in another embodiment
  • FIG. 5 is a structural block diagram of a device for generating a portfolio product in an embodiment
  • FIG. 6 is a structural block diagram of a device for generating a portfolio product in another embodiment
  • FIG. 7 is a structural block diagram of a device for generating a portfolio product in still another embodiment
  • Figure 8 is a diagram showing the internal structure of a server in one embodiment.
  • the method for generating a portfolio product can be applied to an application environment as shown in FIG. 1 .
  • the terminal 110 can be connected to the server 120 via a network.
  • the terminal 110 may include, but is not limited to, a mobile phone, a handheld game console, a tablet computer, a personal digital assistant, or a wearable device.
  • the server 120 stores information of a plurality of fixed investment products, and the terminal 110 receives a generation instruction for the portfolio product input by the user, and transmits a corresponding generation request to the server 120 according to the generation instruction.
  • the server 120 may receive a request for generating a portfolio product sent by the terminal 110, where the request includes the personal information of the corresponding user and the expected resource change information; and calculate the user risk value of the user according to the personal information and the expected resource change information; Calculate the product risk value and user risk value of the investment product, calculate the matching degree between each fixed investment product and the user; extract the product identification of the first quantity of fixed investment products with the highest matching degree; calculate the product identification of each extracted product according to the matching degree
  • the combination ratio is generated according to the product identification and the combination ratio, and the product information of the portfolio product is sent to the terminal 110. It is realized that the portfolio product to be recommended is adaptively generated according to the user's personal information and the expected resource change information.
  • a method for generating a portfolio product is provided, which is applicable to the server shown in FIG. 1, and includes:
  • Step S202 Receive a request for generating a portfolio product sent by the user terminal, where the request includes personal information of the corresponding user and expected resource change information.
  • the user terminal may provide an information input interface for the user to generate the portfolio product, and receive personal information and expected resource change information input by the user on the interface.
  • the resource change information is used to indicate the initial value of the resource and/or the rate of change of the resource desired by the user, and may specifically include the resource value of the portfolio product desired to be purchased, and the value of the resource loss or the proportion of the loss that can be tolerated.
  • the user terminal receives a transmission instruction for the input information, generates a request for generation of the portfolio product based on the transmission instruction, and transmits the production request to the server.
  • Step S204 calculating a user risk value of the user according to the personal information and the expected resource change information.
  • the user risk value refers to the calculated strength to reflect the user's reasonable tolerance to the risk. The smaller the user risk value, the greater the user's reasonable tolerance to risk.
  • the step S204 includes: calculating reference resource change information that matches the user according to the personal information; and calculating the user risk value of the user according to the reference resource change information and the expected resource change information.
  • the server may further set reference resource change information, where the resource change information is calculated according to the user's personal information, for the user to refer to, and according to the calculated reference resource change information and the user.
  • the expected resource change information is input to calculate the user risk value of the user.
  • the reference resource change information may be calculated according to the field information of the personal information that can reflect the risk tolerance capability, and is calculated according to the determined risk tolerance of the user, including the value of the resource change for the user reference and/or Rate of change.
  • the reference resource change information is introduced, and the user risk value of the user is calculated by combining the reference resource change information with the expected resource change information, so that the user risk value can take into account the reasonable risk and the expected risk of the user.
  • Step S206 calculating the matching degree between each fixed investment product and the user according to the product risk value and the user risk value of each fixed investment product.
  • the product information of the plurality of fixed investment products is stored in the server to calculate the product risk value of the corresponding product. And comparing the size of the product risk value of each fixed investment product with the risk value of the user, and calculating the matching degree between the corresponding product and the user according to the size.
  • Step S208 extracting product information of the first quantity of fixed investment products with the highest degree of matching.
  • the server also presets the extracted quantity (first quantity) of the fixed investment product.
  • the first quantity may be a fixed value, and may also be a value set according to a setting request sent by the user terminal or the administrator terminal, and the setting request may carry information set on the quantity of the fixed investment product.
  • the server may generate product identification ranking information for each fixed investment product according to the calculated matching degree, and select a product identifier of the first first number of fixed investment products before the sorting according to the ranking, and obtain the product identifier according to the product identifier Corresponding product information.
  • Step S210 calculating a combination ratio of each extracted fixed investment product according to the matching degree.
  • the server further sets a calculation model for the combined ratio of each extracted fixed investment product, and sets the first matching degree with the highest matching degree as the input of the calculation model, and the calculation model is adopted.
  • the combined ratio of each fixed portfolio product can be output.
  • Step S212 generating a portfolio product according to the product information and the combination ratio, and transmitting the product information of the portfolio product to the user terminal.
  • the server may be combined into a corresponding portfolio product according to the calculated combination ratio of each fixed investment product.
  • the portfolio product consists of each fixed investment product in accordance with the calculated combination ratio.
  • the product information of the portfolio product contains the product information of the fixed investment products constituting the product and the combined proportion of the corresponding products.
  • the server can send the product information of the generated portfolio product to the user terminal, and realize the recommendation for the user to make a portfolio product.
  • the method before the step S206, further includes: obtaining a quantized value of a reference factor of each fixed investment product; and calculating a product risk value corresponding to the fixed investment product according to the quantized value of the reference factor.
  • the reference factor can include a resource size factor, a resource change factor, and a resource impact factor.
  • the resource size factor is used to reflect the size and/or volume of the resources of the fixed investment product;
  • the resource change factor is used to reflect the change information such as the change value and/or the change rate of the resource;
  • the resource impact factor is used to reflect the impact on the fixed investment product.
  • the product risk value corresponding to the fixed investment product is calculated according to the quantized value of the reference factor, including: calculating the weight of each reference factor of the fixed investment product according to the user risk value; and the quantized value according to each reference factor And the weight value calculates the product risk value corresponding to the fixed investment product.
  • the weight of each reference factor may further be set, and the weight may be a fixed weight, or may be a weight of the dynamic change determined according to the user risk value and the quantized value of the reference factor.
  • the server may set a mapping relationship between different user risk values and weights of each reference factor. According to the mapping relationship, the weights of each reference factor may be correspondingly calculated, and different The weight of each parameter factor under the user risk value is not necessarily the same.
  • the server may perform a numerical operation according to the quantization parameter of each reference factor and the corresponding weight, and set the calculated final value to the product risk value corresponding to the fixed investment product.
  • the weight can reflect the influence of each quantization parameter on the product risk value, so that the calculated product risk value is more accurate.
  • the personal information includes a user identifier; calculating a combined ratio of each extracted fixed investment product according to the matching degree, comprising: dividing the first quantity of the fixed investment product into the second quantity of the product group, according to the matching degree Calculate the proportion of the portfolio of fixed investment products in each product group; generate portfolio products based on product identification and portfolio ratio, including: generating portfolio products based on product information and portfolio ratios of fixed investment products in each product group.
  • the server further presets the generated quantity of the portfolio product, that is, the quantity of the product group, that is, the second quantity mentioned above, and generates a corresponding investment portfolio by the fixed investment products included in each product group. product.
  • the second quantity is similar to the first quantity.
  • the server further sets the constituent quantities of the fixed investment products in each portfolio product, and selects a fixed number of fixed investment products from the first number of fixed investment products to be grouped, thereby generating a second quantity of product groups. And according to the matching degree of the fixed investment products in each product group, the combined proportion of each fixed investment product is calculated, and the corresponding portfolio product is generated according to the combined ratio.
  • a second quantity of portfolio products can be generated for the user to select.
  • the first quantity of each fixed investment product may be selected to be one or several portfolio products. By generating a second number of portfolio products, the user-selectable portfolio products are more diverse.
  • the method further includes: receiving a selection instruction for the portfolio product sent by the user terminal; setting a product identifier for the selected portfolio product, A relationship is established between the set product identifier and the user ID.
  • the server may receive the selection instruction sent by the user terminal, determine the corresponding selected portfolio product according to the selection instruction, and set a product identifier for the portfolio product, and establish an association relationship between the product identifier and the user identifier, thereby marking the product as The product selected by the user.
  • the method further includes a process of simulating the resource of the portfolio product, as shown in FIG. 3, the process includes:
  • Step S302 Receive a resource simulation processing instruction for the selected portfolio product, where the resource simulation processing instruction carries the simulated resource initial value and the simulation effective time.
  • Step S304 obtaining real-time rate of change of resources of each fixed investment product in the selected portfolio product.
  • Step S306 calculating a simulated resource change value of the selected portfolio product according to a combination ratio of each fixed investment product, a real-time resource change rate, an initial resource value, and an effective time.
  • Step S308 the simulated resource change value is sent to the user terminal.
  • FIG. 4 another method for generating a portfolio product is provided, the method comprising:
  • Step S401 Receive a request for generating a portfolio product sent by the user terminal, where the request includes personal information of the corresponding user and expected resource change information.
  • Step S402 calculating reference resource change information that matches the user according to the personal information.
  • Step S403 calculating a user risk value of the user according to the reference resource change information and the expected resource change information.
  • Step S404 obtaining a quantized value of a reference factor of each fixed investment product, and calculating a weight of each reference factor of the fixed investment product according to the user risk value.
  • Step S405 calculating a product risk value corresponding to the fixed investment product according to the quantized value and the weight of each reference factor.
  • the quantized values of the above nine factors are respectively recorded as a factor value of 1 to a factor of 9, and the corresponding weights are k 1 to k 9 .
  • the corresponding factor mean and factor standard deviation are calculated according to the nine factor values.
  • the product risk value of a fixed investment product can be calculated according to the following formula:
  • Step S406 Calculate the matching degree between each fixed investment product and the user according to the product risk value and the user risk value of each fixed investment product.
  • the matching degree of each product to the user can be
  • Step S407 extracting product information of the first quantity of fixed investment products with the highest matching degree, dividing the first quantity of fixed investment products into the second quantity of product groups, and calculating the fixed investment products in each product group according to the matching degree. Combination ratio.
  • Step S408 generating a portfolio product according to product information and a combination ratio of the fixed investment products in each product group, and transmitting the product information of the portfolio product to the user terminal.
  • Step S409 receiving a selection instruction for the portfolio product sent by the user terminal; setting a product identifier for the selected portfolio product, and establishing an association relationship between the set product identifier and the user identifier.
  • a generating device for generating a portfolio product comprising:
  • the generating request obtaining module 502 is configured to receive a request for generating a portfolio product sent by the user terminal, where the generating request includes personal information of the corresponding user and expected resource change information.
  • the risk value calculation module 504 is configured to calculate a user risk value of the user according to the personal information and the expected resource change information.
  • the matching degree calculation module 506 is configured to calculate the matching degree between each fixed investment product and the user according to the product risk value and the user risk value of each fixed investment product.
  • the portfolio product generation module 508 is configured to extract product information of the first quantity of fixed investment products with the highest matching degree; calculate a combination ratio of each extracted fixed investment product according to the matching degree; and generate a portfolio product according to the product information and the combination ratio The product information of the portfolio product is sent to the user terminal.
  • the risk value calculation module 504 is further configured to obtain a quantized value of a reference factor of each fixed investment product; and calculate a product risk value corresponding to the fixed investment product according to the quantized value of the reference factor.
  • the reference factor includes a plurality of; the risk value calculation module 504 is further configured to calculate a weight of each reference factor of the fixed investment product according to the user risk value; and calculate the quantized value and the weight according to each reference factor. Corresponding to the product risk value of fixed investment products.
  • the risk value calculation module 504 is further configured to calculate reference resource change information that matches the user according to the personal information; and calculate the user risk value of the user according to the reference resource change information and the expected resource change information.
  • the personal information includes a user identifier; the portfolio product generation module 508 is further configured to divide the first quantity of fixed investment products into a second quantity of product groups, and calculate the fixed in each product group according to the matching degree. Portfolio ratio of investment products; portfolio products are generated based on product information and portfolio ratios of fixed investment products in each product group.
  • another generating device for generating a portfolio product is provided.
  • the device further includes: a portfolio product selection module 510, configured to receive a selection instruction for the portfolio product sent by the user terminal. Setting a product identifier for the selected portfolio product, and establishing an association relationship between the set product identifier and the user identifier.
  • the foregoing apparatus further includes:
  • the resource simulation processing module 512 is configured to receive a resource simulation processing instruction for the selected portfolio product, where the resource simulation processing instruction carries the simulated resource initial value and the simulation effective time; and obtains each fixed investment in the selected portfolio product.
  • the real-time rate of change of the product's resources according to the combination ratio of each fixed investment product, the real-time rate of change of resources, the initial value of the resource, and the effective time, calculate the simulated resource change value of the selected portfolio product; send the simulated resource change value to the user terminal .
  • the various modules in the above-described production device of the portfolio product may be implemented in whole or in part by software, hardware, and combinations thereof.
  • the network interface may be an Ethernet card or a wireless network card.
  • the above modules may be embedded in the hardware in the processor or in the memory in the server, or may be stored in the memory in the server, so that the processor calls the corresponding operations of the above modules.
  • the processor can be a central processing unit (CPU), a microprocessor, a microcontroller, or the like.
  • a computer readable storage medium having stored thereon computer instructions that, when executed by a processor, implement the steps of the method of generating a portfolio product provided by the various embodiments described above.
  • the following steps are implemented: receiving a request for generating a portfolio product sent by the user terminal, where the request includes personal information of the corresponding user and expected resource change information; and calculating according to the personal information and the expected resource change information.
  • Calculate the user risk value of the user calculate the matching degree between each fixed investment product and the user according to the product risk value and the user risk value of each fixed investment product; and extract the product information of the first quantity of the fixed investment product with the highest matching degree; Calculating the combination ratio of each extracted fixed investment product according to the matching degree; generating the investment portfolio product according to the product information and the combination ratio, and transmitting the product information of the portfolio product to the user terminal.
  • the following steps are also implemented: Obtain a quantitative value of the reference factor of each fixed investment product; calculate the product risk value corresponding to the fixed investment product according to the quantified value of the reference factor.
  • the reference factor includes a plurality of; the instruction is calculated by the processor to calculate a product risk value corresponding to the fixed investment product according to the quantized value of the reference factor, including: calculating each fixed investment product according to the user risk value The weight of the reference factor; the product risk value corresponding to the fixed investment product is calculated according to the quantified value and the weight of each reference factor.
  • the instruction is calculated by the processor to calculate the user risk value according to the personal information and the expected resource change information, including: calculating reference resource change information matching the user according to the personal information; The resource change information and the expected resource change information calculate the user's user risk value.
  • the personal information includes a user identifier; the personal information implemented when the instruction is executed by the processor includes a user identifier; and the combined ratio of each extracted fixed investment product is calculated according to the matching degree, including: the first quantity is The fixed investment product is divided into a second number of product groups, and the proportion of the fixed investment products in each product group is calculated according to the matching degree.
  • the instruction generates the portfolio product according to the product identification and the combination ratio realized by the processor, and comprises: generating the portfolio product according to the product information and the combination ratio of the fixed investment products in each product group.
  • the method further includes the following steps: receiving a selection instruction for the portfolio product sent by the user terminal; and selecting the selected portfolio product Set the product ID to establish a relationship between the set product ID and the user ID.
  • the method further includes the step of: receiving a resource simulation processing instruction for the selected portfolio product.
  • the resource simulation processing instruction carries the initial value of the simulated resource and the effective time of the simulation; obtains the real-time change rate of the resources of each fixed investment product in the selected portfolio product; according to the combination ratio of each fixed investment product, the resource changes in real time.
  • the rate, the initial value of the resource, and the effective time calculate the simulated resource change value of the selected portfolio product; and send the simulated resource change value to the user terminal.
  • a computer device comprising a memory, a processor, and a computer program stored on the memory and operable on the processor, the processor implementing the portfolio product provided by the foregoing embodiments when executing the program The steps of the generation method.
  • the above computer device may be the server described above.
  • FIG. 8 it is a schematic diagram of the internal structure of a server in one embodiment.
  • the server includes a processor, memory, and network interface connected by a system bus.
  • the server's processor is used to provide computing and control capabilities to support the operation of the entire server.
  • the memory is used to store data, instruction codes, etc.
  • the network interface is used for network communication with the user terminal.
  • At least one computer executable instruction is stored on the memory, and the computer executable instructions are executable by the processor to implement a method for generating a server-oriented portfolio product provided in the embodiments of the present application.
  • the memory may include a non-volatile storage medium such as a magnetic disk, an optical disk, a read-only memory (ROM), or a random storage memory (Random-Access-Memory, RAM).
  • the memory includes a non-volatile storage medium and an internal memory.
  • the server's non-volatile storage medium stores operating system, database, and computer executable instructions.
  • the database stores data related to the method for generating a portfolio product provided by the above various embodiments, such as product information in which each fixed investment product can be stored.
  • the computer executable instructions are executable by a processor for implementing a method of generating a portfolio product as provided by the various embodiments above.
  • the internal memory in the server provides a cached operating environment for operating systems, databases, and computer executable instructions in a non-volatile storage medium.
  • the network interface may be an Ethernet card or a wireless network card or the like for communicating with an external server or user terminal, for example, the product information of the generated portfolio product may be transmitted to the user terminal.
  • the server can be implemented with a stand-alone server or a server cluster consisting of multiple servers. It will be understood by those skilled in the art that the structure shown in FIG. 8 is only a block diagram of a part of the structure related to the solution of the present application, and does not constitute a limitation on the server to which the solution of the present application is applied.
  • the specific server may include a ratio. More or fewer components are shown in the figures, or some components are combined, or have different component arrangements.
  • the processor executes the program, the following steps are implemented: receiving a request for generating a portfolio product sent by the user terminal, where the request includes personal information of the corresponding user and expected resource change information; and changing according to the personal information and the expected resource.
  • the information calculates the user's user risk value; calculates the matching degree between each fixed investment product and the user according to the product risk value and the user risk value of each fixed investment product; and extracts the product of the first quantity of the fixed investment product with the highest matching degree Information; calculating a combination ratio of each extracted fixed investment product according to the matching degree; generating a portfolio product according to the product information and the combination ratio, and transmitting the product information of the portfolio product to the user terminal.
  • the processor executes the program, before calculating the matching degree between each fixed investment product and the user according to the product risk value and the user risk value of each fixed investment product, the following steps are further implemented: obtaining The quantified value of the reference factor of each fixed investment product; the product risk value corresponding to the fixed investment product is calculated based on the quantified value of the reference factor.
  • the reference factor includes a plurality of; the processor performs a program to calculate a product risk value corresponding to the fixed investment product according to the quantized value of the reference factor, including: calculating each of the fixed investment products according to the user risk value The weight of the reference factor; the product risk value corresponding to the fixed investment product is calculated based on the quantified value and the weight of each reference factor.
  • calculating, by the processor, the user risk value of the user according to the personal information and the expected resource change information including: calculating reference resource change information that matches the user according to the personal information; The change information and the expected resource change information calculate the user's user risk value.
  • the personal information includes a user identifier; the personal information implemented by the processor when the program is executed includes a user identifier; and the combined ratio of each extracted fixed investment product is calculated according to the matching degree, including: the first quantity is The fixed investment product is divided into the second quantity of product groups, and the proportion of the fixed investment products in each product group is calculated according to the matching degree.
  • the processor generates the portfolio product according to the product identification and the combination ratio when executing the program, including: generating the portfolio product according to the product information and the combination ratio of the fixed investment products in each product group.
  • the method further includes the following steps: receiving a selection instruction for the portfolio product sent by the user terminal; setting the selected portfolio product
  • the product identifier establishes an association relationship between the set product identifier and the user identifier.
  • the method further includes the following steps: receiving a resource simulation processing instruction for the selected portfolio product,
  • the resource simulation processing instruction carries the initial value of the simulated resource and the effective time of the simulation; obtains the real-time change rate of the resources of each fixed investment product in the selected portfolio product; according to the combination ratio of each fixed investment product, the real-time change rate of the resource
  • the initial value of the resource and the effective time are calculated, and the simulated resource change value of the selected portfolio product is calculated; the simulated resource change value is sent to the user terminal.
  • the storage medium may be a magnetic disk, an optical disk, a read-only memory (ROM), or the like.

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Abstract

The present application relates to a method and apparatus for generating an investment portfolio product, a storage medium and a computer device. The method comprises: receiving an investment portfolio product generation request sent by a user terminal, wherein the generation request includes personal information and expected resource change information about a corresponding user; according to the personal information and the expected resource change information, calculating a user risk value of the user; according to a product risk value of each fixed investment product and the user risk value, calculating a matching degree between each fixed investment product and the user; extracting product information about a first quantity of fixed investment products having the highest matching degree; according to the matching degree, calculating a combination proportion of each extracted fixed investment product; and according to the product information and the combination proportion, generating an investment portfolio product, and sending product information about the investment portfolio product to the user terminal. A matching degree between an investment portfolio product recommended to a user and the user can be increased.

Description

投资组合产品的生成方法、装置、存储介质和计算机设备Method, device, storage medium and computer equipment for generating portfolio products
本申请申明享有2017年7月28日递交的申请号为201710629327.9、名称为“投资组合产品的生成方法、装置、存储介质和计算机设备”的中国专利申请的优先权，该中国专利申请的整体内容以参考的方式结合在本申请中。The present application claims the priority of the Chinese patent application filed on July 28, 2017, with the application number of 201710629327.9, entitled "Generation method, device, storage medium and computer equipment for investment portfolio products", the overall content of the Chinese patent application It is incorporated herein by reference.
技术领域Technical field
本申请涉及信息处理技术领域，特别是涉及一种投资组合产品的生成方法、装置、存储介质和计算机设备。The present application relates to the field of information processing technologies, and in particular, to a method, an apparatus, a storage medium, and a computer device for generating a portfolio product.
背景技术Background technique
投资组合产品是由多支投资产品(如股票、债券、基金、保险、期货等)按照一定的比例组合而成的一种组合式的投资产品。选择投资组合产品的目的在于分散风险和/或获取资源增长。随着投资产品的多样化，向用户推荐资产组合产品则是一种越来越普遍的趋势。Portfolio products are a combination of investment products that are composed of a number of investment products (such as stocks, bonds, funds, insurance, futures, etc.) in a certain proportion. The purpose of selecting a portfolio product is to spread risk and/or gain resource growth. With the diversification of investment products, it is an increasingly common trend to recommend asset portfolios to users.
传统的投资组合产品的推荐方式，由于事先生成的投资组合产品已经固定，而每个用户的个人信息和所期望的风险与资源增长均不一定相同，因此，这种传统的用于向用户所推荐的投资组合产品，与待推荐的用户的匹配度不高。The traditional way of recommending portfolio products, because the pre-generated portfolio products have been fixed, and each user's personal information and expected risks and resource growth are not necessarily the same, therefore, this traditional is used for users. The recommended portfolio products do not match the users to be recommended.
发明内容Summary of the invention
基于此，有必要针对上述技术问题，提供一种能够提高推荐的投资组合产品与用户的匹配度的投资组合产品的生成方法、装置、存储介质和计算机设备。Based on this, it is necessary to provide a method, device, storage medium, and computer device for generating a portfolio product capable of improving the matching degree between the recommended portfolio product and the user in response to the above technical problem.
一种投资组合产品的生成方法，所述方法包括：接收用户终端发送的投 资组合产品的生成请求，所述生成请求中包含相应用户的个人信息和期望资源变化信息；根据所述个人信息和所述期望资源变化信息计算出所述用户的用户风险值；根据每个固定投资产品的产品风险值与所述用户风险值，计算每个固定投资产品与所述用户的匹配度；提取匹配度最高的第一数量的固定投资产品的产品信息；根据所述匹配度计算每个提取的固定投资产品的组合比例；根据所述产品信息和所述组合比例生成投资组合产品，将所述投资组合产品的产品信息并发送至所述用户终端。A method for generating a portfolio product, the method comprising: receiving a request for generating a portfolio product sent by a user terminal, wherein the generation request includes personal information of the corresponding user and expected resource change information; according to the personal information and the Calculating the user risk value of the user according to the expected resource change information; calculating the matching degree between each fixed investment product and the user according to the product risk value of each fixed investment product and the user risk value; and extracting the highest matching degree Product information of the first quantity of fixed investment products; calculating a combination ratio of each extracted fixed investment product according to the matching degree; generating a portfolio product according to the product information and the combined ratio, and using the portfolio product Product information is sent to the user terminal.
一种投资组合产品的生成装置，所述装置包括：生成请求获取模块，用于接收用户终端发送的投资组合产品的生成请求，所述生成请求中包含相应用户的个人信息和期望资源变化信息；风险值计算模块，用于根据所述个人信息和所述期望资源变化信息计算出所述用户的用户风险值；匹配度计算模块，用于根据每个固定投资产品的产品风险值与所述用户风险值，计算每个固定投资产品与所述用户的匹配度；投资组合产品生成模块，用于提取匹配度最高的第一数量的固定投资产品的产品信息；根据所述匹配度计算每个提取的固定投资产品的组合比例；根据所述产品信息和所述组合比例生成投资组合产品，将所述投资组合产品的产品信息并发送至所述用户终端。A device for generating a portfolio product, the device comprising: a generation request acquisition module, configured to receive a generation request of a portfolio product sent by a user terminal, where the generation request includes personal information of the corresponding user and expected resource change information; a risk value calculation module, configured to calculate a user risk value of the user according to the personal information and the expected resource change information; a matching degree calculation module, configured to compare the product risk value of each fixed investment product with the user a risk value, calculating a matching degree between each fixed investment product and the user; a portfolio product generating module, configured to extract product information of a first quantity of fixed investment products with the highest matching degree; and calculating each extraction according to the matching degree a combination ratio of the fixed investment products; generating a portfolio product according to the product information and the combined ratio, and transmitting the product information of the portfolio product to the user terminal.
一种计算机可读存储介质，其上存储有计算机指令，该指令被处理器执行时实现以下步骤：接收用户终端发送的投资组合产品的生成请求，所述生成请求中包含相应用户的个人信息和期望资源变化信息；根据所述个人信息和所述期望资源变化信息计算出所述用户的用户风险值；根据每个固定投资产品的产品风险值与所述用户风险值，计算每个固定投资产品与所述用户的匹配度；提取匹配度最高的第一数量的固定投资产品的产品信息；根据所述匹配度计算每个提取的固定投资产品的组合比例；根据所述产品信息和所述组合比例生成投资组合产品，将所述投资组合产品的产品信息并发送至所述用户终端。A computer readable storage medium having stored thereon computer instructions, the instructions being executed by the processor, the step of: receiving a request for generating a portfolio product sent by a user terminal, wherein the generating request includes personal information of the corresponding user and Expecting resource change information; calculating a user risk value of the user according to the personal information and the expected resource change information; calculating each fixed investment product according to a product risk value of each fixed investment product and the user risk value Matching degree with the user; extracting product information of the first quantity of fixed investment products with the highest matching degree; calculating a combination ratio of each extracted fixed investment product according to the matching degree; according to the product information and the combination The ratio generates a portfolio product, and the product information of the portfolio product is sent to the user terminal.
一种计算机设备，包括存储器、处理器及存储在存储器上并可在处理器 上运行的计算机程序，所述处理器执行所述程序时实现以下步骤：接收用户终端发送的投资组合产品的生成请求，所述生成请求中包含相应用户的个人信息和期望资源变化信息；根据所述个人信息和所述期望资源变化信息计算出所述用户的用户风险值；根据每个固定投资产品的产品风险值与所述用户风险值，计算每个固定投资产品与所述用户的匹配度；提取匹配度最高的第一数量的固定投资产品的产品信息；根据所述匹配度计算每个提取的固定投资产品的组合比例；根据所述产品信息和所述组合比例生成投资组合产品，将所述投资组合产品的产品信息并发送至所述用户终端。A computer device comprising a memory, a processor, and a computer program stored on the memory and operable on the processor, the processor executing the program, the step of: receiving a request for generating a portfolio product sent by the user terminal The generation request includes personal information and expected resource change information of the corresponding user; calculating a user risk value of the user according to the personal information and the expected resource change information; and product risk value according to each fixed investment product Calculating, with the user risk value, a matching degree between each fixed investment product and the user; extracting product information of the first quantity of fixed investment products with the highest matching degree; calculating each extracted fixed investment product according to the matching degree a combination ratio; generating a portfolio product according to the product information and the combination ratio, and transmitting the product information of the portfolio product to the user terminal.
上述的投资组合产品的生成方法、装置、存储介质和计算机设备，生成的固定投资产品与用户的个人信息和期望资源变化信息相关，根据不同的个人信息和期望资源变化信息来实现对不同的投资组合产品的生成，使得生成的投资组合产品更具有灵活性和多样性，且与用户的匹配度更高。The above-mentioned method, apparatus, storage medium and computer equipment for generating a portfolio product, the generated fixed investment product is related to the user's personal information and expected resource change information, and realizes different investments according to different personal information and expected resource change information. The combination of product generation makes the generated portfolio products more flexible and versatile, and more compatible with users.
附图说明DRAWINGS
图1为一个实施例中投资组合产品的生成方法的应用环境图；1 is an application environment diagram of a method for generating a portfolio product in an embodiment;
图2为一个实施例中投资组合产品的生成方法的流程图；2 is a flow chart of a method for generating a portfolio product in an embodiment;
图3为一个实施例中对投资组合产品的资源模拟处理的过程的流程图；3 is a flow chart showing a process of resource simulation processing of a portfolio product in one embodiment;
图4为另一个实施例中投资组合产品的生成方法的流程图；4 is a flow chart of a method for generating a portfolio product in another embodiment;
图5为一个实施例中投资组合产品的生成装置的结构框图；FIG. 5 is a structural block diagram of a device for generating a portfolio product in an embodiment; FIG.
图6为另一个实施例中投资组合产品的生成装置的结构框图；6 is a structural block diagram of a device for generating a portfolio product in another embodiment;
图7为又一个实施例中投资组合产品的生成装置的结构框图；7 is a structural block diagram of a device for generating a portfolio product in still another embodiment;
图8为一个实施例中服务器的内部结构图。Figure 8 is a diagram showing the internal structure of a server in one embodiment.
具体实施方式Detailed ways
为了使本申请的目的、技术方案及优点更加清楚明白，以下结合附图及实施例，对本申请进行进一步详细说明。应当理解，此处描述的具体实施例 仅仅用以解释本申请，并不用于限定本申请。可以理解，本申请所使用的术语“第一”、“第二”等可在本文中用于描述各种元件，但这些元件不受这些术语限制。这些术语仅用于将第一个元件与另一个元件区分。举例来说，在不脱离本申请的范围的情况下，可以将第一数量称为第二数量，且类似地，可将第二数量称为第一数量。第一数量和第二数量两者都是数量，但其不是同一数量。In order to make the objects, technical solutions, and advantages of the present application more comprehensible, the present application will be further described in detail below with reference to the accompanying drawings and embodiments. It is understood that the specific embodiments described herein are merely illustrative of the application and are not intended to be limiting. It will be understood that the terms "first", "second" and the like, as used herein, may be used to describe various elements, but these elements are not limited by these terms. These terms are only used to distinguish one element from another. For example, a first quantity may be referred to as a second quantity, and, similarly, a second quantity may be referred to as a first quantity, without departing from the scope of the present application. Both the first quantity and the second quantity are quantities, but they are not the same quantity.
本申请实施例所提供的投资组合产品的生成方法，可应用于如图1所示的应用环境中。参考图1，终端110可通过网络与服务器120相连接。其中，终端110可包括但不限于手机、掌上游戏机、平板电脑、个人数字助理或穿戴设备等任意一种。服务器120上存储有多个固定投资产品的信息，终端110接收用户输入的对投资组合产品的生成指令，根据该生成指令向服务器120发送对应的生成请求。服务器120可接收终端110发送的投资组合产品的生成请求，生成请求中包含相应用户的个人信息和期望资源变化信息；根据个人信息和期望资源变化信息计算出用户的用户风险值；根据每个固定投资产品的产品风险值与用户风险值，计算每个固定投资产品与用户的匹配度；提取匹配度最高的第一数量的固定投资产品的产品标识；根据匹配度计算每个提取的产品标识的组合比例；根据产品标识和组合比例生成投资组合产品，将投资组合产品的产品信息并发送至终端110。实现了根据用户的个人信息和期望资源变化信息来自适应地生成待推荐的投资组合产品。The method for generating a portfolio product provided by the embodiment of the present application can be applied to an application environment as shown in FIG. 1 . Referring to FIG. 1, the terminal 110 can be connected to the server 120 via a network. The terminal 110 may include, but is not limited to, a mobile phone, a handheld game console, a tablet computer, a personal digital assistant, or a wearable device. The server 120 stores information of a plurality of fixed investment products, and the terminal 110 receives a generation instruction for the portfolio product input by the user, and transmits a corresponding generation request to the server 120 according to the generation instruction. The server 120 may receive a request for generating a portfolio product sent by the terminal 110, where the request includes the personal information of the corresponding user and the expected resource change information; and calculate the user risk value of the user according to the personal information and the expected resource change information; Calculate the product risk value and user risk value of the investment product, calculate the matching degree between each fixed investment product and the user; extract the product identification of the first quantity of fixed investment products with the highest matching degree; calculate the product identification of each extracted product according to the matching degree The combination ratio is generated according to the product identification and the combination ratio, and the product information of the portfolio product is sent to the terminal 110. It is realized that the portfolio product to be recommended is adaptively generated according to the user's personal information and the expected resource change information.
在一个实施例中，如图2所示，提供了一种投资组合产品的生成方法，该方法可应用于如图1所示的服务器中，包括：In an embodiment, as shown in FIG. 2, a method for generating a portfolio product is provided, which is applicable to the server shown in FIG. 1, and includes:
步骤S202，接收用户终端发送的投资组合产品的生成请求，生成请求中包含相应用户的个人信息和期望资源变化信息。Step S202: Receive a request for generating a portfolio product sent by the user terminal, where the request includes personal information of the corresponding user and expected resource change information.
本实施例中，用户终端可提供用户生成投资组合产品的信息录入界面，并接收用户在该界面上输入的个人信息和期望资源变化信息。期望资源变化信息用于表示用户所期望的资源初始值和/或资源变化率，具体可包括期望 购买的投资组合产品的资源数值以及可承受的资源亏损数值或亏损比例等。用户终端接收对所输入信息的发送指令，根据该发送指令，生成对投资组合产品的生成请求，将该生产请求发送至服务器。In this embodiment, the user terminal may provide an information input interface for the user to generate the portfolio product, and receive personal information and expected resource change information input by the user on the interface. The resource change information is used to indicate the initial value of the resource and/or the rate of change of the resource desired by the user, and may specifically include the resource value of the portfolio product desired to be purchased, and the value of the resource loss or the proportion of the loss that can be tolerated. The user terminal receives a transmission instruction for the input information, generates a request for generation of the portfolio product based on the transmission instruction, and transmits the production request to the server.
步骤S204，根据个人信息和期望资源变化信息计算出用户的用户风险值。Step S204, calculating a user risk value of the user according to the personal information and the expected resource change information.
本实施例中，用户风险值是指计算出的用于反映出用户对风险的合理承受能力的强弱。用户风险值越小说明该用户对风险的合理承受能力越大。In this embodiment, the user risk value refers to the calculated strength to reflect the user's reasonable tolerance to the risk. The smaller the user risk value, the greater the user's reasonable tolerance to risk.
在一个实施例中，该步骤S204包括：根据个人信息计算出与用户相匹配的参考资源变化信息；根据参考资源变化信息和期望资源变化信息计算出用户的用户风险值。In an embodiment, the step S204 includes: calculating reference resource change information that matches the user according to the personal information; and calculating the user risk value of the user according to the reference resource change information and the expected resource change information.
具体地，服务器还可进一步设置参考资源变化信息，该参考资源变化信息为根据用户的个人信息所计算出的资源变化信息，以供用户进行参考，并根据所计算出的参考资源变化信息和用户输入的期望资源变化信息来计算出该用户的用户风险值。该参考资源变化信息可根据该个人信息中可能够反映出风险承受能力的字段信息计算得出，根据所确定出的用户的风险承受能力计算出，包含供用户参考的资源变化的数值和/或变化率。Specifically, the server may further set reference resource change information, where the resource change information is calculated according to the user's personal information, for the user to refer to, and according to the calculated reference resource change information and the user. The expected resource change information is input to calculate the user risk value of the user. The reference resource change information may be calculated according to the field information of the personal information that can reflect the risk tolerance capability, and is calculated according to the determined risk tolerance of the user, including the value of the resource change for the user reference and/or Rate of change.
本实施例通过引入参考资源变化信息，并结合该参考资源变化信息与期望资源变化信息计算出用户的用户风险值，使得该用户风险值可兼顾用户的合理风险与期望风险。In this embodiment, the reference resource change information is introduced, and the user risk value of the user is calculated by combining the reference resource change information with the expected resource change information, so that the user risk value can take into account the reasonable risk and the expected risk of the user.
步骤S206，根据每个固定投资产品的产品风险值与用户风险值，计算每个固定投资产品与用户的匹配度。Step S206, calculating the matching degree between each fixed investment product and the user according to the product risk value and the user risk value of each fixed investment product.
本实施例中，服务器中存储了多种固定投资产品的产品信息以计算出对应产品的产品风险值。并比较每个固定投资产品的产品风险值与该用户风险值之间的大小，根据该大小来计算出对应产品与用户之间的匹配度。In this embodiment, the product information of the plurality of fixed investment products is stored in the server to calculate the product risk value of the corresponding product. And comparing the size of the product risk value of each fixed investment product with the risk value of the user, and calculating the matching degree between the corresponding product and the user according to the size.
步骤S208，提取匹配度最高的第一数量的固定投资产品的产品信息。Step S208, extracting product information of the first quantity of fixed investment products with the highest degree of matching.
本实施例中，服务器还预设了固定投资产品的提取数量(第一数量)。 第一数量可为固定的数值，还可为根据用户终端或管理员终端发送的设置请求而设置的数值，该设置请求中可携带对固定投资产品的数量设置的信息。In this embodiment, the server also presets the extracted quantity (first quantity) of the fixed investment product. The first quantity may be a fixed value, and may also be a value set according to a setting request sent by the user terminal or the administrator terminal, and the setting request may carry information set on the quantity of the fixed investment product.
服务器可根据所计算出的匹配度，生成对每个固定投资产品的产品标识排序信息，并从该排序中选取排序在前的前第一数量的固定投资产品的产品标识，根据该产品标识获取对应的产品信息。The server may generate product identification ranking information for each fixed investment product according to the calculated matching degree, and select a product identifier of the first first number of fixed investment products before the sorting according to the ranking, and obtain the product identifier according to the product identifier Corresponding product information.
步骤S210，根据匹配度计算每个提取的固定投资产品的组合比例。Step S210, calculating a combination ratio of each extracted fixed investment product according to the matching degree.
本实施例中，服务器还进一步设置了对每个提取的固定投资产品的组合比例的计算模型，将上述的匹配度最大的第一数量的匹配度设置为该计算模型的输入，通过该计算模型可输出对应每个固定投资组合产品的组合比例。In this embodiment, the server further sets a calculation model for the combined ratio of each extracted fixed investment product, and sets the first matching degree with the highest matching degree as the input of the calculation model, and the calculation model is adopted. The combined ratio of each fixed portfolio product can be output.
步骤S212，根据产品信息和组合比例生成投资组合产品，将投资组合产品的产品信息并发送至用户终端。Step S212, generating a portfolio product according to the product information and the combination ratio, and transmitting the product information of the portfolio product to the user terminal.
本实施例中，服务器可根据所计算的每个固定投资产品的组合比例，组合成相应的投资组合产品。该投资组合产品即由每个固定投资产品按照所计算出的组合比例构成。投资组合产品的产品信息中包含构成该产品的固定投资产品的产品信息和对应产品的组合比例。服务器可将所生成的投资组合产品的产品信息发送至该用户终端，实现了对用户进行投资组合产品的推荐。In this embodiment, the server may be combined into a corresponding portfolio product according to the calculated combination ratio of each fixed investment product. The portfolio product consists of each fixed investment product in accordance with the calculated combination ratio. The product information of the portfolio product contains the product information of the fixed investment products constituting the product and the combined proportion of the corresponding products. The server can send the product information of the generated portfolio product to the user terminal, and realize the recommendation for the user to make a portfolio product.
在一个实施例中，在步骤S206之前，上述方法还包括：获取每个固定投资产品的参考因子的量化数值；根据参考因子的量化数值计算出对应固定投资产品的产品风险值。In an embodiment, before the step S206, the method further includes: obtaining a quantized value of a reference factor of each fixed investment product; and calculating a product risk value corresponding to the fixed investment product according to the quantized value of the reference factor.
在一个实施例中，该参考因子可包括资源规模因子、资源变化因子以及资源影响因子。该资源规模因子用于反映固定投资产品的资源的规模和/或体量；资源变化因子用于反映资源的变化数值和/或变化率等变化信息；资源影响因子用于反映能够影响固定投资产品的资源规模和/或资源变化的因子。In one embodiment, the reference factor can include a resource size factor, a resource change factor, and a resource impact factor. The resource size factor is used to reflect the size and/or volume of the resources of the fixed investment product; the resource change factor is used to reflect the change information such as the change value and/or the change rate of the resource; the resource impact factor is used to reflect the impact on the fixed investment product. The factor of resource size and / or resource change.
在一个实施例中，根据参考因子的量化数值计算出对应固定投资产品的产品风险值，包括：根据用户风险值计算固定投资产品的每个参考因子的权 值；根据每个参考因子的量化数值和权值计算出对应固定投资产品的产品风险值。In one embodiment, the product risk value corresponding to the fixed investment product is calculated according to the quantized value of the reference factor, including: calculating the weight of each reference factor of the fixed investment product according to the user risk value; and the quantized value according to each reference factor And the weight value calculates the product risk value corresponding to the fixed investment product.
本实施例中，还可进一步设置每个参考因子的权值，该权值可为固定的权值，也可为根据用户风险值和参考因子的量化数值来确定的动态变化的权值。当为动态变化的权值时，服务器可设置了不同的用户风险值与每个参考因子的权值之间的映射关系，根据该映射关系，可对应计算出每个参考因子的权值，不同的用户风险值下每个参数因子的权值也不一定相同。In this embodiment, the weight of each reference factor may further be set, and the weight may be a fixed weight, or may be a weight of the dynamic change determined according to the user risk value and the quantized value of the reference factor. When the weight is dynamically changed, the server may set a mapping relationship between different user risk values and weights of each reference factor. According to the mapping relationship, the weights of each reference factor may be correspondingly calculated, and different The weight of each parameter factor under the user risk value is not necessarily the same.
服务器可根据每个参考因子的量化参数和相应的权值进行数值运算，将计算出的最终数值设置为对应固定投资产品的产品风险值。通过引入量化参数的权值，该权值可体现出每个量化参数对产品风险值的影响大小，使得所计算出的产品风险值更加准确。The server may perform a numerical operation according to the quantization parameter of each reference factor and the corresponding weight, and set the calculated final value to the product risk value corresponding to the fixed investment product. By introducing the weight of the quantization parameter, the weight can reflect the influence of each quantization parameter on the product risk value, so that the calculated product risk value is more accurate.
在一个实施例中，个人信息中包含用户标识；根据匹配度计算每个提取的固定投资产品的组合比例，包括：将第一数量的固定投资产品划分成第二数量的产品组，根据匹配度计算每个产品组中的固定投资产品的组合比例；根据产品标识和组合比例生成投资组合产品，包括：根据每个产品组中的固定投资产品的产品信息和组合比例生成投资组合产品。In one embodiment, the personal information includes a user identifier; calculating a combined ratio of each extracted fixed investment product according to the matching degree, comprising: dividing the first quantity of the fixed investment product into the second quantity of the product group, according to the matching degree Calculate the proportion of the portfolio of fixed investment products in each product group; generate portfolio products based on product identification and portfolio ratio, including: generating portfolio products based on product information and portfolio ratios of fixed investment products in each product group.
本实施例中，服务器还预设了投资组合产品的生成数量，该数量即为产品组的数量，即上述的第二数量，由每个产品组中所包含的固定投资产品生成对应的投资组合产品。第二数量与第一数量类似。服务器进一步设置了每种投资组合产品中的固定投资产品的构成数量，并从该第一数量的固定投资产品中，选取出构成数量的固定投资产品进行分组，从而生成第二数量的产品组。并根据每个产品组中的固定投资产品对应的匹配度来计算每个固定投资产品的组合比例，并按照该组合比例生成相应的投资组合产品。通过上述的方法，可生成第二数量的投资组合产品，以供用户进行选取。其中，该第一数量的每个固定投资产品，可被选取构成为一个或几个投资组合产品。通过生成第二数量的投资组合产品，使得用户可选择的投资组合产品更加多样 化。In this embodiment, the server further presets the generated quantity of the portfolio product, that is, the quantity of the product group, that is, the second quantity mentioned above, and generates a corresponding investment portfolio by the fixed investment products included in each product group. product. The second quantity is similar to the first quantity. The server further sets the constituent quantities of the fixed investment products in each portfolio product, and selects a fixed number of fixed investment products from the first number of fixed investment products to be grouped, thereby generating a second quantity of product groups. And according to the matching degree of the fixed investment products in each product group, the combined proportion of each fixed investment product is calculated, and the corresponding portfolio product is generated according to the combined ratio. Through the above method, a second quantity of portfolio products can be generated for the user to select. Wherein, the first quantity of each fixed investment product may be selected to be one or several portfolio products. By generating a second number of portfolio products, the user-selectable portfolio products are more diverse.
在一个实施例中，在将投资组合产品的产品信息并发送至用户终端之后，还包括：接收用户终端发送的对投资组合产品的选取指令；对所选取的投资组合产品设置产品标识，将所设置的产品标识与用户标识之间建立关联关系。In an embodiment, after the product information of the portfolio product is sent to the user terminal, the method further includes: receiving a selection instruction for the portfolio product sent by the user terminal; setting a product identifier for the selected portfolio product, A relationship is established between the set product identifier and the user ID.
服务器可接收用户终端发送的选取指令，根据该选取指令确定对应选取的投资组合产品，并对该投资组合产品设置产品标识，将该产品标识与用户标识之间建立关联关系，从而标记该产品为用户所选取的产品。The server may receive the selection instruction sent by the user terminal, determine the corresponding selected portfolio product according to the selection instruction, and set a product identifier for the portfolio product, and establish an association relationship between the product identifier and the user identifier, thereby marking the product as The product selected by the user.
在一个实施例中，在将所设置的产品标识与用户标识之间建立关联关系之后，上述方法还包括对投资组合产品的资源模拟处理的过程，如图3所示，该过程包括：In an embodiment, after establishing the association between the set product identifier and the user identifier, the method further includes a process of simulating the resource of the portfolio product, as shown in FIG. 3, the process includes:
步骤S302，接收对选取的投资组合产品的资源模拟处理指令，资源模拟处理指令中携带模拟的资源初始值和模拟的生效时间。Step S302: Receive a resource simulation processing instruction for the selected portfolio product, where the resource simulation processing instruction carries the simulated resource initial value and the simulation effective time.
步骤S304，获取选取的投资组合产品中，每个固定投资产品的资源实时变化率。Step S304, obtaining real-time rate of change of resources of each fixed investment product in the selected portfolio product.
步骤S306，根据每个固定投资产品的组合比例、资源实时变化率、资源初始值以及生效时间，计算选取的投资组合产品的模拟资源变化值。Step S306, calculating a simulated resource change value of the selected portfolio product according to a combination ratio of each fixed investment product, a real-time resource change rate, an initial resource value, and an effective time.
步骤S308，将模拟资源变化值发送至用户终端。Step S308, the simulated resource change value is sent to the user terminal.
在一个实施例中，如图4所示，提供了另一种投资组合产品的生成方法，该方法包括：In one embodiment, as shown in FIG. 4, another method for generating a portfolio product is provided, the method comprising:
步骤S401，接收用户终端发送的投资组合产品的生成请求，生成请求中包含相应用户的个人信息和期望资源变化信息。Step S401: Receive a request for generating a portfolio product sent by the user terminal, where the request includes personal information of the corresponding user and expected resource change information.
步骤S402，根据个人信息计算出与用户相匹配的参考资源变化信息。Step S402, calculating reference resource change information that matches the user according to the personal information.
步骤S403，根据参考资源变化信息和期望资源变化信息计算出用户的用户风险值。Step S403, calculating a user risk value of the user according to the reference resource change information and the expected resource change information.
步骤S404，获取每个固定投资产品的参考因子的量化数值，根据用户风 险值计算固定投资产品的每个参考因子的权值。Step S404, obtaining a quantized value of a reference factor of each fixed investment product, and calculating a weight of each reference factor of the fixed investment product according to the user risk value.
步骤S405，根据每个参考因子的量化数值和权值计算出对应固定投资产品的产品风险值。Step S405, calculating a product risk value corresponding to the fixed investment product according to the quantized value and the weight of each reference factor.
本实施例中，分别记上述的9种因子的量化数值为因子值1～因子值9，对应的权值为k 1～k 9。则针对每种固定投资产品，根据其9种因子值，计算出对应的因子均值和因子标准差。固定投资产品的产品风险值可按照下述的公式计算得出： In this embodiment, the quantized values of the above nine factors are respectively recorded as a factor value of 1 to a factor of 9, and the corresponding weights are k 1 to k 9 . For each fixed investment product, the corresponding factor mean and factor standard deviation are calculated according to the nine factor values. The product risk value of a fixed investment product can be calculated according to the following formula:
Figure PCTCN2018078323-appb-000001
Figure PCTCN2018078323-appb-000001
步骤S406，根据每个固定投资产品的产品风险值与用户风险值，计算每个固定投资产品与用户的匹配度。Step S406: Calculate the matching degree between each fixed investment product and the user according to the product risk value and the user risk value of each fixed investment product.
本实施例中，产品风险值与用户风险值之间的误差越小，则表示对应固定投资产品与用户的匹配度越大。具体地，每个产品与用户的匹配度可按照In this embodiment, the smaller the error between the product risk value and the user risk value, the greater the matching degree between the corresponding fixed investment product and the user. Specifically, the matching degree of each product to the user can be
Figure PCTCN2018078323-appb-000002
计算得出。
Figure PCTCN2018078323-appb-000002
Calculated.
步骤S407，提取匹配度最高的第一数量的固定投资产品的产品信息，将第一数量的固定投资产品划分成第二数量的产品组，根据匹配度计算每个产品组中的固定投资产品的组合比例。Step S407, extracting product information of the first quantity of fixed investment products with the highest matching degree, dividing the first quantity of fixed investment products into the second quantity of product groups, and calculating the fixed investment products in each product group according to the matching degree. Combination ratio.
步骤S408，根据每个产品组中的固定投资产品的产品信息和组合比例生成投资组合产品，将投资组合产品的产品信息并发送至用户终端。Step S408, generating a portfolio product according to product information and a combination ratio of the fixed investment products in each product group, and transmitting the product information of the portfolio product to the user terminal.
步骤S409，接收用户终端发送的对投资组合产品的选取指令；对所选取的投资组合产品设置产品标识，将所设置的产品标识与用户标识之间建立关联关系。Step S409, receiving a selection instruction for the portfolio product sent by the user terminal; setting a product identifier for the selected portfolio product, and establishing an association relationship between the set product identifier and the user identifier.
在一个实施例中，如图5所示，提供了一种投资组合产品的生成装置，该装置包括：In one embodiment, as shown in FIG. 5, a generating device for generating a portfolio product is provided, the device comprising:
生成请求获取模块502，用于接收用户终端发送的投资组合产品的生成 请求，生成请求中包含相应用户的个人信息和期望资源变化信息。风险值计算模块504，用于根据个人信息和期望资源变化信息计算出用户的用户风险值。匹配度计算模块506，用于根据每个固定投资产品的产品风险值与用户风险值，计算每个固定投资产品与用户的匹配度。投资组合产品生成模块508，用于提取匹配度最高的第一数量的固定投资产品的产品信息；根据匹配度计算每个提取的固定投资产品的组合比例；根据产品信息和组合比例生成投资组合产品，将投资组合产品的产品信息并发送至用户终端。The generating request obtaining module 502 is configured to receive a request for generating a portfolio product sent by the user terminal, where the generating request includes personal information of the corresponding user and expected resource change information. The risk value calculation module 504 is configured to calculate a user risk value of the user according to the personal information and the expected resource change information. The matching degree calculation module 506 is configured to calculate the matching degree between each fixed investment product and the user according to the product risk value and the user risk value of each fixed investment product. The portfolio product generation module 508 is configured to extract product information of the first quantity of fixed investment products with the highest matching degree; calculate a combination ratio of each extracted fixed investment product according to the matching degree; and generate a portfolio product according to the product information and the combination ratio The product information of the portfolio product is sent to the user terminal.
在一个实施例中，风险值计算模块504还用于获取每个固定投资产品的参考因子的量化数值；根据参考因子的量化数值计算出对应固定投资产品的产品风险值。In one embodiment, the risk value calculation module 504 is further configured to obtain a quantized value of a reference factor of each fixed investment product; and calculate a product risk value corresponding to the fixed investment product according to the quantized value of the reference factor.
在一个实施例中，参考因子包括多个；风险值计算模块504还用于根据用户风险值计算固定投资产品的每个参考因子的权值；根据每个参考因子的量化数值和权值计算出对应固定投资产品的产品风险值。In one embodiment, the reference factor includes a plurality of; the risk value calculation module 504 is further configured to calculate a weight of each reference factor of the fixed investment product according to the user risk value; and calculate the quantized value and the weight according to each reference factor. Corresponding to the product risk value of fixed investment products.
在一个实施例中，风险值计算模块504还用于根据个人信息计算出与用户相匹配的参考资源变化信息；根据参考资源变化信息和期望资源变化信息计算出用户的用户风险值。In one embodiment, the risk value calculation module 504 is further configured to calculate reference resource change information that matches the user according to the personal information; and calculate the user risk value of the user according to the reference resource change information and the expected resource change information.
在一个实施例中，个人信息中包含用户标识；投资组合产品生成模块508还用于将第一数量的固定投资产品划分成第二数量的产品组，根据匹配度计算每个产品组中的固定投资产品的组合比例；根据每个产品组中的固定投资产品的产品信息和组合比例生成投资组合产品。In one embodiment, the personal information includes a user identifier; the portfolio product generation module 508 is further configured to divide the first quantity of fixed investment products into a second quantity of product groups, and calculate the fixed in each product group according to the matching degree. Portfolio ratio of investment products; portfolio products are generated based on product information and portfolio ratios of fixed investment products in each product group.
在一个实施例中，如图6所示，提供了另一种投资组合产品的生成装置，该装置还包括：投资组合产品选取模块510，用于接收用户终端发送的对投资组合产品的选取指令；对所选取的投资组合产品设置产品标识，将所设置的产品标识与用户标识之间建立关联关系。In an embodiment, as shown in FIG. 6, another generating device for generating a portfolio product is provided. The device further includes: a portfolio product selection module 510, configured to receive a selection instruction for the portfolio product sent by the user terminal. Setting a product identifier for the selected portfolio product, and establishing an association relationship between the set product identifier and the user identifier.
在一个实施例中，如图7所示，上述装置还包括：In an embodiment, as shown in FIG. 7, the foregoing apparatus further includes:
资源模拟处理模块512，用于接收对选取的投资组合产品的资源模拟处 理指令，资源模拟处理指令中携带模拟的资源初始值和模拟的生效时间；获取选取的投资组合产品中，每个固定投资产品的资源实时变化率；根据每个固定投资产品的组合比例、资源实时变化率、资源初始值以及生效时间，计算选取的投资组合产品的模拟资源变化值；将模拟资源变化值发送至用户终端。The resource simulation processing module 512 is configured to receive a resource simulation processing instruction for the selected portfolio product, where the resource simulation processing instruction carries the simulated resource initial value and the simulation effective time; and obtains each fixed investment in the selected portfolio product. The real-time rate of change of the product's resources; according to the combination ratio of each fixed investment product, the real-time rate of change of resources, the initial value of the resource, and the effective time, calculate the simulated resource change value of the selected portfolio product; send the simulated resource change value to the user terminal .
上述投资组合产品的生成装置中的各个模块可全部或部分通过软件、硬件及其组合来实现。其中，网络接口可以是以太网卡或无线网卡等。上述各模块可以硬件形式内嵌于或独立于服务器中的处理器中，也可以以软件形式存储于服务器中的存储器中，以便于处理器调用执行以上各个模块对应的操作。该处理器可以为中央处理单元(CPU)、微处理器、单片机等。The various modules in the above-described production device of the portfolio product may be implemented in whole or in part by software, hardware, and combinations thereof. The network interface may be an Ethernet card or a wireless network card. The above modules may be embedded in the hardware in the processor or in the memory in the server, or may be stored in the memory in the server, so that the processor calls the corresponding operations of the above modules. The processor can be a central processing unit (CPU), a microprocessor, a microcontroller, or the like.
在一个实施例中，提供了一种计算机可读存储介质，其上存储有计算机指令，该指令被处理器执行时实现上述各实施例所提供的投资组合产品的生成方法的步骤。In one embodiment, a computer readable storage medium is provided having stored thereon computer instructions that, when executed by a processor, implement the steps of the method of generating a portfolio product provided by the various embodiments described above.
具体地，该指令被处理器执行时实现以下步骤：接收用户终端发送的投资组合产品的生成请求，生成请求中包含相应用户的个人信息和期望资源变化信息；根据个人信息和期望资源变化信息计算出用户的用户风险值；根据每个固定投资产品的产品风险值与用户风险值，计算每个固定投资产品与用户的匹配度；提取匹配度最高的第一数量的固定投资产品的产品信息；根据匹配度计算每个提取的固定投资产品的组合比例；根据产品信息和组合比例生成投资组合产品，将投资组合产品的产品信息并发送至用户终端。Specifically, when the instruction is executed by the processor, the following steps are implemented: receiving a request for generating a portfolio product sent by the user terminal, where the request includes personal information of the corresponding user and expected resource change information; and calculating according to the personal information and the expected resource change information. Calculate the user risk value of the user; calculate the matching degree between each fixed investment product and the user according to the product risk value and the user risk value of each fixed investment product; and extract the product information of the first quantity of the fixed investment product with the highest matching degree; Calculating the combination ratio of each extracted fixed investment product according to the matching degree; generating the investment portfolio product according to the product information and the combination ratio, and transmitting the product information of the portfolio product to the user terminal.
在一个实施例中，该指令被处理器执行时，在实现根据每个固定投资产品的产品风险值与用户风险值，计算每个固定投资产品与用户的匹配度之前，还包括实现以下步骤：获取每个固定投资产品的参考因子的量化数值；根据参考因子的量化数值计算出对应固定投资产品的产品风险值。In one embodiment, when the instruction is executed by the processor, before calculating the matching degree between each fixed investment product and the user according to the product risk value and the user risk value of each fixed investment product, the following steps are also implemented: Obtain a quantitative value of the reference factor of each fixed investment product; calculate the product risk value corresponding to the fixed investment product according to the quantified value of the reference factor.
在一个实施例中，参考因子包括多个；该指令被处理器执行时实现的根据参考因子的量化数值计算出对应固定投资产品的产品风险值，包括：根据 用户风险值计算固定投资产品的每个参考因子的权值；根据每个参考因子的量化数值和权值计算出对应固定投资产品的产品风险值。In one embodiment, the reference factor includes a plurality of; the instruction is calculated by the processor to calculate a product risk value corresponding to the fixed investment product according to the quantized value of the reference factor, including: calculating each fixed investment product according to the user risk value The weight of the reference factor; the product risk value corresponding to the fixed investment product is calculated according to the quantified value and the weight of each reference factor.
在一个实施例中，该指令被处理器执行时实现的根据个人信息和期望资源变化信息计算出用户的用户风险值，包括：根据个人信息计算出与用户相匹配的参考资源变化信息；根据参考资源变化信息和期望资源变化信息计算出用户的用户风险值。In one embodiment, the instruction is calculated by the processor to calculate the user risk value according to the personal information and the expected resource change information, including: calculating reference resource change information matching the user according to the personal information; The resource change information and the expected resource change information calculate the user's user risk value.
在一个实施例中，个人信息中包含用户标识；该指令被处理器执行时实现的个人信息中包含用户标识；根据匹配度计算每个提取的固定投资产品的组合比例，包括：将第一数量的固定投资产品划分成第二数量的产品组，根据匹配度计算每个产品组中的固定投资产品的组合比例。In one embodiment, the personal information includes a user identifier; the personal information implemented when the instruction is executed by the processor includes a user identifier; and the combined ratio of each extracted fixed investment product is calculated according to the matching degree, including: the first quantity is The fixed investment product is divided into a second number of product groups, and the proportion of the fixed investment products in each product group is calculated according to the matching degree.
该指令被处理器执行时实现的根据产品标识和组合比例生成投资组合产品，包括：根据每个产品组中的固定投资产品的产品信息和组合比例生成投资组合产品。The instruction generates the portfolio product according to the product identification and the combination ratio realized by the processor, and comprises: generating the portfolio product according to the product information and the combination ratio of the fixed investment products in each product group.
该指令被处理器执行时，在实现将投资组合产品的产品信息并发送至用户终端之后，还包括实现以下步骤：接收用户终端发送的对投资组合产品的选取指令；对所选取的投资组合产品设置产品标识，将所设置的产品标识与用户标识之间建立关联关系。When the instruction is executed by the processor, after the product information of the portfolio product is implemented and sent to the user terminal, the method further includes the following steps: receiving a selection instruction for the portfolio product sent by the user terminal; and selecting the selected portfolio product Set the product ID to establish a relationship between the set product ID and the user ID.
在一个实施例中，该指令被处理器执行时，在实现将所设置的产品标识与用户标识之间建立关联关系之后，还包括实现以下步骤：接收对选取的投资组合产品的资源模拟处理指令，资源模拟处理指令中携带模拟的资源初始值和模拟的生效时间；获取选取的投资组合产品中，每个固定投资产品的资源实时变化率；根据每个固定投资产品的组合比例、资源实时变化率、资源初始值以及生效时间，计算选取的投资组合产品的模拟资源变化值；将模拟资源变化值发送至用户终端。In an embodiment, after the instruction is executed by the processor, after implementing the association between the set product identifier and the user identifier, the method further includes the step of: receiving a resource simulation processing instruction for the selected portfolio product. The resource simulation processing instruction carries the initial value of the simulated resource and the effective time of the simulation; obtains the real-time change rate of the resources of each fixed investment product in the selected portfolio product; according to the combination ratio of each fixed investment product, the resource changes in real time. The rate, the initial value of the resource, and the effective time, calculate the simulated resource change value of the selected portfolio product; and send the simulated resource change value to the user terminal.
在一个实施例中，提供了一种计算机设备，包括存储器、处理器及存储在存储器上并可在处理器上运行的计算机程序，处理器执行程序时实现上述 各实施例所提供的投资组合产品的生成方法的步骤。In one embodiment, a computer device is provided, comprising a memory, a processor, and a computer program stored on the memory and operable on the processor, the processor implementing the portfolio product provided by the foregoing embodiments when executing the program The steps of the generation method.
上述的计算机设备可可上述的服务器。如图8所示，为一个实施例中服务器的内部结构示意图。该服务器包括通过***总线连接的处理器、存储器和网络接口。其中，该服务器的处理器用于提供计算和控制能力，支撑整个服务器的运行。存储器用于存储数据、指令代码等，网络接口用于与用户终端进行网络通信。存储器上存储至少一个计算机可执行指令，该计算机可执行指令可被处理器执行，以实现本申请实施例中提供的适用于服务器的投资组合产品的生成方法。存储器可包括磁碟、光盘、只读存储记忆体(Read-Only Memory，ROM)等非易失性存储介质，或随机存储记忆体(Random-Access-Memory，RAM)等。例如，在一个实施例中，存储器包括非易失性存储介质及内存储器。服务器的非易失性存储介质存储有操作***、数据库和计算机可执行指令。该数据库中存储有用于实现以上各个实施例所提供的一种投资组合产品的生成方法相关的数据，比如可存储有各个固定投资产品的产品信息。该计算机可执行指令可被处理器所执行，以用于实现以上各个实施例所提供的一种投资组合产品的生成方法。服务器中的内存储器为非易失性存储介质中的操作***、数据库和计算机可执行指令提供高速缓存的运行环境。网络接口可以是以太网卡或无线网卡等，用于与外部的服务器或用户终端进行通信，比如可向用户终端发送所生成的投资组合产品的产品信息。服务器可以用独立的服务器或者是多个服务器组成的服务器集群来实现。本领域技术人员可以理解，图8中示出的结构，仅仅是与本申请方案相关的部分结构的框图，并不构成对本申请方案所应用于其上的服务器的限定，具体的服务器可以包括比图中所示更多或更少的部件，或者组合某些部件，或者具有不同的部件布置。The above computer device may be the server described above. As shown in FIG. 8, it is a schematic diagram of the internal structure of a server in one embodiment. The server includes a processor, memory, and network interface connected by a system bus. Among them, the server's processor is used to provide computing and control capabilities to support the operation of the entire server. The memory is used to store data, instruction codes, etc., and the network interface is used for network communication with the user terminal. At least one computer executable instruction is stored on the memory, and the computer executable instructions are executable by the processor to implement a method for generating a server-oriented portfolio product provided in the embodiments of the present application. The memory may include a non-volatile storage medium such as a magnetic disk, an optical disk, a read-only memory (ROM), or a random storage memory (Random-Access-Memory, RAM). For example, in one embodiment, the memory includes a non-volatile storage medium and an internal memory. The server's non-volatile storage medium stores operating system, database, and computer executable instructions. The database stores data related to the method for generating a portfolio product provided by the above various embodiments, such as product information in which each fixed investment product can be stored. The computer executable instructions are executable by a processor for implementing a method of generating a portfolio product as provided by the various embodiments above. The internal memory in the server provides a cached operating environment for operating systems, databases, and computer executable instructions in a non-volatile storage medium. The network interface may be an Ethernet card or a wireless network card or the like for communicating with an external server or user terminal, for example, the product information of the generated portfolio product may be transmitted to the user terminal. The server can be implemented with a stand-alone server or a server cluster consisting of multiple servers. It will be understood by those skilled in the art that the structure shown in FIG. 8 is only a block diagram of a part of the structure related to the solution of the present application, and does not constitute a limitation on the server to which the solution of the present application is applied. The specific server may include a ratio. More or fewer components are shown in the figures, or some components are combined, or have different component arrangements.
在一个实施例中，该处理器执行程序时实现以下步骤：接收用户终端发送的投资组合产品的生成请求，生成请求中包含相应用户的个人信息和期望资源变化信息；根据个人信息和期望资源变化信息计算出用户的用户风险 值；根据每个固定投资产品的产品风险值与用户风险值，计算每个固定投资产品与用户的匹配度；提取匹配度最高的第一数量的固定投资产品的产品信息；根据匹配度计算每个提取的固定投资产品的组合比例；根据产品信息和组合比例生成投资组合产品，将投资组合产品的产品信息并发送至用户终端。In an embodiment, when the processor executes the program, the following steps are implemented: receiving a request for generating a portfolio product sent by the user terminal, where the request includes personal information of the corresponding user and expected resource change information; and changing according to the personal information and the expected resource. The information calculates the user's user risk value; calculates the matching degree between each fixed investment product and the user according to the product risk value and the user risk value of each fixed investment product; and extracts the product of the first quantity of the fixed investment product with the highest matching degree Information; calculating a combination ratio of each extracted fixed investment product according to the matching degree; generating a portfolio product according to the product information and the combination ratio, and transmitting the product information of the portfolio product to the user terminal.
在一个实施例中，该处理器执行程序时，在实现根据每个固定投资产品的产品风险值与用户风险值，计算每个固定投资产品与用户的匹配度之前，还包括实现以下步骤：获取每个固定投资产品的参考因子的量化数值；根据参考因子的量化数值计算出对应固定投资产品的产品风险值。In an embodiment, when the processor executes the program, before calculating the matching degree between each fixed investment product and the user according to the product risk value and the user risk value of each fixed investment product, the following steps are further implemented: obtaining The quantified value of the reference factor of each fixed investment product; the product risk value corresponding to the fixed investment product is calculated based on the quantified value of the reference factor.
在一个实施例中，参考因子包括多个；该处理器执行程序时实现的根据参考因子的量化数值计算出对应固定投资产品的产品风险值，包括：根据用户风险值计算固定投资产品的每个参考因子的权值；根据每个参考因子的量化数值和权值计算出对应固定投资产品的产品风险值。In one embodiment, the reference factor includes a plurality of; the processor performs a program to calculate a product risk value corresponding to the fixed investment product according to the quantized value of the reference factor, including: calculating each of the fixed investment products according to the user risk value The weight of the reference factor; the product risk value corresponding to the fixed investment product is calculated based on the quantified value and the weight of each reference factor.
在一个实施例中，该处理器执行程序时实现的根据个人信息和期望资源变化信息计算出用户的用户风险值，包括：根据个人信息计算出与用户相匹配的参考资源变化信息；根据参考资源变化信息和期望资源变化信息计算出用户的用户风险值。In one embodiment, calculating, by the processor, the user risk value of the user according to the personal information and the expected resource change information, including: calculating reference resource change information that matches the user according to the personal information; The change information and the expected resource change information calculate the user's user risk value.
在一个实施例中，个人信息中包含用户标识；该处理器执行程序时实现的个人信息中包含用户标识；根据匹配度计算每个提取的固定投资产品的组合比例，包括：将第一数量的固定投资产品划分成第二数量的产品组，根据匹配度计算每个产品组中的固定投资产品的组合比例。In one embodiment, the personal information includes a user identifier; the personal information implemented by the processor when the program is executed includes a user identifier; and the combined ratio of each extracted fixed investment product is calculated according to the matching degree, including: the first quantity is The fixed investment product is divided into the second quantity of product groups, and the proportion of the fixed investment products in each product group is calculated according to the matching degree.
该处理器执行程序时实现的根据产品标识和组合比例生成投资组合产品，包括：根据每个产品组中的固定投资产品的产品信息和组合比例生成投资组合产品。The processor generates the portfolio product according to the product identification and the combination ratio when executing the program, including: generating the portfolio product according to the product information and the combination ratio of the fixed investment products in each product group.
该处理器执行程序时，在实现将投资组合产品的产品信息并发送至用户终端之后，还包括实现以下步骤：接收用户终端发送的对投资组合产品的选 取指令；对所选取的投资组合产品设置产品标识，将所设置的产品标识与用户标识之间建立关联关系。After the processor executes the program, after the product information of the portfolio product is implemented and sent to the user terminal, the method further includes the following steps: receiving a selection instruction for the portfolio product sent by the user terminal; setting the selected portfolio product The product identifier establishes an association relationship between the set product identifier and the user identifier.
在一个实施例中，该处理器执行程序时，在实现将所设置的产品标识与用户标识之间建立关联关系之后，还包括实现以下步骤：接收对选取的投资组合产品的资源模拟处理指令，资源模拟处理指令中携带模拟的资源初始值和模拟的生效时间；获取选取的投资组合产品中，每个固定投资产品的资源实时变化率；根据每个固定投资产品的组合比例、资源实时变化率、资源初始值以及生效时间，计算选取的投资组合产品的模拟资源变化值；将模拟资源变化值发送至用户终端。In an embodiment, after the processor executes the program, after implementing the association between the set product identifier and the user identifier, the method further includes the following steps: receiving a resource simulation processing instruction for the selected portfolio product, The resource simulation processing instruction carries the initial value of the simulated resource and the effective time of the simulation; obtains the real-time change rate of the resources of each fixed investment product in the selected portfolio product; according to the combination ratio of each fixed investment product, the real-time change rate of the resource The initial value of the resource and the effective time are calculated, and the simulated resource change value of the selected portfolio product is calculated; the simulated resource change value is sent to the user terminal.
本领域普通技术人员可以理解实现上述实施例方法中的全部或部分流程，是可以通过计算机程序来指令相关的硬件来完成，所述的程序可存储于一非易失性计算机可读取存储介质中，该程序在执行时，可包括如上述各方法的实施例的流程。其中，所述的存储介质可为磁碟、光盘、只读存储记忆体(Read-Only Memory，ROM)等。One of ordinary skill in the art can understand that all or part of the process of implementing the above embodiments can be completed by a computer program to instruct related hardware, and the program can be stored in a non-volatile computer readable storage medium. Wherein, the program, when executed, may include the flow of an embodiment of the methods as described above. The storage medium may be a magnetic disk, an optical disk, a read-only memory (ROM), or the like.
以上所述实施例的各技术特征可以进行任意的组合，为使描述简洁，未对上述实施例中的各个技术特征所有可能的组合都进行描述，然而，只要这些技术特征的组合不存在矛盾，都应当认为是本说明书记载的范围。The technical features of the above-described embodiments may be arbitrarily combined. For the sake of brevity of description, all possible combinations of the technical features in the above embodiments are not described. However, as long as there is no contradiction between the combinations of these technical features, All should be considered as the scope of this manual.
以上所述实施例仅表达了本申请的几种实施方式，其描述较为具体和详细，但并不能因此而理解为对发明专利范围的限制。应当指出的是，对于本领域的普通技术人员来说，在不脱离本申请构思的前提下，还可以做出若干变形和改进，这些都属于本申请的保护范围。因此，本申请专利的保护范围应以所附权利要求为准。The above-mentioned embodiments are merely illustrative of several embodiments of the present application, and the description thereof is more specific and detailed, but is not to be construed as limiting the scope of the invention. It should be noted that a number of variations and modifications may be made by those skilled in the art without departing from the spirit and scope of the present application. Therefore, the scope of the invention should be determined by the appended claims.

Claims (20)

  1. 一种投资组合产品的生成方法，其特征在于，所述方法包括：A method for generating a portfolio product, the method comprising:
    接收用户终端发送的投资组合产品的生成请求，所述生成请求中包含相应用户的个人信息和期望资源变化信息；根据所述个人信息和所述期望资源变化信息计算出所述用户的用户风险值；根据每个固定投资产品的产品风险值与所述用户风险值，计算每个固定投资产品与所述用户的匹配度；提取匹配度最高的第一数量的固定投资产品的产品信息；根据所述匹配度计算每个提取的固定投资产品的组合比例；根据所述产品信息和所述组合比例生成投资组合产品，将所述投资组合产品的产品信息并发送至所述用户终端。Receiving a request for generating a portfolio product sent by the user terminal, where the generation request includes personal information and expected resource change information of the corresponding user; and calculating a user risk value of the user according to the personal information and the expected resource change information Calculating the matching degree between each fixed investment product and the user according to the product risk value of each fixed investment product and the user risk value; and extracting the product information of the first quantity of fixed investment products with the highest matching degree; Calculating a combination ratio of each extracted fixed investment product; generating a portfolio product according to the product information and the combination ratio, and transmitting the product information of the portfolio product to the user terminal.
  2. 根据权利要求1所述的方法，其特征在于，在所述根据每个固定投资产品的产品风险值与所述用户风险值，计算每个固定投资产品与所述用户的匹配度之前，还包括：获取每个固定投资产品的参考因子的量化数值；根据所述参考因子的量化数值计算出对应固定投资产品的产品风险值。The method according to claim 1, wherein before the calculating the matching degree between each fixed investment product and the user according to the product risk value of each fixed investment product and the user risk value, : obtaining a quantized value of a reference factor of each fixed investment product; calculating a product risk value corresponding to the fixed investment product according to the quantized value of the reference factor.
  3. 根据权利要求2所述的方法，其特征在于，所述参考因子包括多个；所述根据所述参考因子的量化数值计算出对应固定投资产品的产品风险值，包括：根据所述用户风险值计算固定投资产品的每个参考因子的权值；根据每个参考因子的量化数值和权值计算出对应固定投资产品的产品风险值。The method according to claim 2, wherein the reference factor comprises a plurality of; the calculating a product risk value corresponding to the fixed investment product according to the quantized value of the reference factor, comprising: according to the user risk value Calculate the weight of each reference factor of the fixed investment product; calculate the product risk value corresponding to the fixed investment product according to the quantified value and weight of each reference factor.
  4. 根据权利要求1所述的方法，其特征在于，所述根据所述个人信息和所述期望资源变化信息计算出所述用户的用户风险值，包括：根据所述个人信息计算出与所述用户相匹配的参考资源变化信息；根据所述参考资源变化信息和所述期望资源变化信息计算出所述用户的用户风险值。The method according to claim 1, wherein the calculating the user risk value of the user according to the personal information and the expected resource change information comprises: calculating, according to the personal information, the user Matching reference resource change information; calculating a user risk value of the user according to the reference resource change information and the expected resource change information.
  5. 根据权利要求1所述的方法，其特征在于，所述个人信息中包含用户标识；所述根据所述匹配度计算每个提取的固定投资产品的组合比例，包括：将所述第一数量的固定投资产品划分成第二数量的产品组，根据所述匹配度计算每个产品组中的固定投资产品的组合比例；所述根据所述产品标识 和所述组合比例生成投资组合产品，包括：根据每个产品组中的固定投资产品的产品信息和组合比例生成投资组合产品；在所述将所述投资组合产品的产品信息并发送至所述用户终端之后，还包括：接收所述用户终端发送的对投资组合产品的选取指令；对所选取的投资组合产品设置产品标识，将所设置的产品标识与所述用户标识之间建立关联关系。The method according to claim 1, wherein the personal information includes a user identifier; and calculating the combined ratio of each extracted fixed investment product according to the matching degree comprises: the first quantity The fixed investment product is divided into a second quantity of product groups, and a combination ratio of fixed investment products in each product group is calculated according to the matching degree; and the investment portfolio product is generated according to the product identification and the combined ratio, including: Generating a portfolio product according to the product information and the combination ratio of the fixed investment products in each product group; after the product information of the portfolio product is sent to the user terminal, the method further includes: receiving the user terminal The selected instruction for the portfolio product is sent; the product identifier is set for the selected portfolio product, and the relationship between the set product identifier and the user identifier is established.
  6. 根据权利要求5所述的方法，其特征在于，在所述将所设置的产品标识与所述用户标识之间建立关联关系之后，还包括：接收对选取的投资组合产品的资源模拟处理指令，所述资源模拟处理指令中携带模拟的资源初始值和模拟的生效时间；获取选取的投资组合产品中，每个固定投资产品的资源实时变化率；根据每个固定投资产品的组合比例、资源实时变化率、所述资源初始值以及所述生效时间，计算选取的投资组合产品的模拟资源变化值；将所述模拟资源变化值发送至所述用户终端。The method according to claim 5, after the establishing the association relationship between the set product identifier and the user identifier, further comprising: receiving a resource simulation processing instruction for the selected portfolio product, The resource simulation processing instruction carries the initial value of the simulated resource and the effective time of the simulation; and obtains the real-time change rate of the resource of each fixed investment product in the selected portfolio product; according to the combination ratio of each fixed investment product, the resource is real-time The change rate, the initial value of the resource, and the effective time, calculate a simulated resource change value of the selected portfolio product; and send the simulated resource change value to the user terminal.
  7. 一种投资组合产品的生成装置，其特征在于，所述装置包括：A device for generating a portfolio product, characterized in that the device comprises:
    生成请求获取模块，用于接收用户终端发送的投资组合产品的生成请求，所述生成请求中包含相应用户的个人信息和期望资源变化信息；风险值计算模块，用于根据所述个人信息和所述期望资源变化信息计算出所述用户的用户风险值；匹配度计算模块，用于根据每个固定投资产品的产品风险值与所述用户风险值，计算每个固定投资产品与所述用户的匹配度；投资组合产品生成模块，用于提取匹配度最高的第一数量的固定投资产品的产品信息；根据所述匹配度计算每个提取的固定投资产品的组合比例；根据所述产品信息和所述组合比例生成投资组合产品，将所述投资组合产品的产品信息并发送至所述用户终端。a generating request obtaining module, configured to receive a request for generating a portfolio product sent by the user terminal, where the generating request includes personal information and expected resource change information of the corresponding user; and a risk value calculating module, configured to use the personal information and the Calculating the user risk value of the user by using the expected resource change information; the matching degree calculation module is configured to calculate each fixed investment product and the user according to the product risk value of each fixed investment product and the user risk value Matching degree; a portfolio product generating module, configured to extract product information of a first quantity of fixed investment products with the highest matching degree; calculate a combination ratio of each extracted fixed investment product according to the matching degree; according to the product information and The combined ratio generates a portfolio product, and the product information of the portfolio product is sent to the user terminal.
  8. 根据权利要求7所述的装置，其特征在于，所述风险值计算模块还用于获取每个固定投资产品的参考因子的量化数值；根据所述参考因子的量化数值计算出对应固定投资产品的产品风险值。The apparatus according to claim 7, wherein the risk value calculation module is further configured to obtain a quantized value of a reference factor of each fixed investment product; and calculate a corresponding fixed investment product according to the quantized value of the reference factor Product risk value.
  9. 一种计算机可读存储介质，其上存储有计算机指令，其特征在于， 该指令被处理器执行时实现以下步骤：接收用户终端发送的投资组合产品的生成请求，所述生成请求中包含相应用户的个人信息和期望资源变化信息；根据所述个人信息和所述期望资源变化信息计算出所述用户的用户风险值；根据每个固定投资产品的产品风险值与所述用户风险值，计算每个固定投资产品与所述用户的匹配度；提取匹配度最高的第一数量的固定投资产品的产品信息；根据所述匹配度计算每个提取的固定投资产品的组合比例；根据所述产品信息和所述组合比例生成投资组合产品，将所述投资组合产品的产品信息并发送至所述用户终端。A computer readable storage medium having computer instructions stored thereon, wherein when the instructions are executed by the processor, the following steps are performed: receiving a request for generating a portfolio product sent by a user terminal, where the generating request includes a corresponding user Personal information and expected resource change information; calculating a user risk value of the user according to the personal information and the expected resource change information; calculating each product risk value of each fixed investment product and the user risk value Matching degree of the fixed investment product with the user; extracting product information of the first quantity of fixed investment products with the highest matching degree; calculating a combination ratio of each extracted fixed investment product according to the matching degree; according to the product information Generating the portfolio product with the combined ratio, and transmitting the product information of the portfolio product to the user terminal.
  10. 根据权利要求9所述的存储介质，其特征在于，在所述根据每个固定投资产品的产品风险值与所述用户风险值，计算每个固定投资产品与所述用户的匹配度之前，还包括：获取每个固定投资产品的参考因子的量化数值；根据所述参考因子的量化数值计算出对应固定投资产品的产品风险值。The storage medium according to claim 9, wherein before the matching of each fixed investment product with the user is calculated based on the product risk value of each fixed investment product and the user risk value, The method includes: obtaining a quantized value of a reference factor of each fixed investment product; and calculating a product risk value corresponding to the fixed investment product according to the quantized value of the reference factor.
  11. 根据权利要求10所述的存储介质，其特征在于，所述参考因子包括多个；所述根据所述参考因子的量化数值计算出对应固定投资产品的产品风险值，包括：根据所述用户风险值计算固定投资产品的每个参考因子的权值；根据每个参考因子的量化数值和权值计算出对应固定投资产品的产品风险值。The storage medium according to claim 10, wherein the reference factor comprises a plurality of; the calculating a product risk value corresponding to the fixed investment product according to the quantized value of the reference factor, comprising: according to the user risk The value calculates the weight of each reference factor of the fixed investment product; the product risk value corresponding to the fixed investment product is calculated according to the quantified value and the weight of each reference factor.
  12. 根据权利要求9所述的存储介质，其特征在于，所述根据所述个人信息和所述期望资源变化信息计算出所述用户的用户风险值，包括：根据所述个人信息计算出与所述用户相匹配的参考资源变化信息；根据所述参考资源变化信息和所述期望资源变化信息计算出所述用户的用户风险值。The storage medium according to claim 9, wherein the calculating the user risk value of the user according to the personal information and the expected resource change information comprises: calculating, according to the personal information, User-matched reference resource change information; calculating a user risk value of the user according to the reference resource change information and the expected resource change information.
  13. 根据权利要求9所述的存储介质，其特征在于，所述个人信息中包含用户标识；所述根据所述匹配度计算每个提取的固定投资产品的组合比例，包括：将所述第一数量的固定投资产品划分成第二数量的产品组，根据所述匹配度计算每个产品组中的固定投资产品的组合比例；所述根据所述产品标识和所述组合比例生成投资组合产品，包括：根据每个产品组中的固定 投资产品的产品信息和组合比例生成投资组合产品；在所述将所述投资组合产品的产品信息并发送至所述用户终端之后，还包括：接收所述用户终端发送的对投资组合产品的选取指令；对所选取的投资组合产品设置产品标识，将所设置的产品标识与所述用户标识之间建立关联关系。The storage medium according to claim 9, wherein the personal information includes a user identifier; and calculating, according to the matching degree, a combination ratio of each extracted fixed investment product, comprising: the first quantity The fixed investment product is divided into a second quantity of product groups, and a combination ratio of fixed investment products in each product group is calculated according to the matching degree; and the investment portfolio product is generated according to the product identification and the combined ratio, including Generating a portfolio product according to the product information and the combination ratio of the fixed investment products in each product group; after the product information of the portfolio product is sent to the user terminal, the method further includes: receiving the user The instruction for selecting the portfolio product sent by the terminal; setting the product identifier for the selected portfolio product, and establishing an association relationship between the set product identifier and the user identifier.
  14. 根据权利要求13所述的存储介质，其特征在于，在所述将所设置的产品标识与所述用户标识之间建立关联关系之后，还包括：接收对选取的投资组合产品的资源模拟处理指令，所述资源模拟处理指令中携带模拟的资源初始值和模拟的生效时间；获取选取的投资组合产品中，每个固定投资产品的资源实时变化率；根据每个固定投资产品的组合比例、资源实时变化率、所述资源初始值以及所述生效时间，计算选取的投资组合产品的模拟资源变化值；将所述模拟资源变化值发送至所述用户终端。The storage medium according to claim 13, wherein after the establishing the association between the set product identifier and the user identifier, the method further comprises: receiving a resource simulation processing instruction for the selected portfolio product The resource simulation processing instruction carries the initial value of the simulated resource and the effective time of the simulation; and obtains the real-time change rate of the resource of each fixed investment product in the selected portfolio product; according to the combination ratio and resources of each fixed investment product The real-time change rate, the initial value of the resource, and the effective time, calculate a simulated resource change value of the selected portfolio product; and send the simulated resource change value to the user terminal.
  15. 一种计算机设备，包括存储器、处理器及存储在存储器上并可在处理器上运行的计算机程序，其特征在于，所述处理器执行所述程序时实现以下步骤：接收用户终端发送的投资组合产品的生成请求，所述生成请求中包含相应用户的个人信息和期望资源变化信息；根据所述个人信息和所述期望资源变化信息计算出所述用户的用户风险值；根据每个固定投资产品的产品风险值与所述用户风险值，计算每个固定投资产品与所述用户的匹配度；提取匹配度最高的第一数量的固定投资产品的产品信息；根据所述匹配度计算每个提取的固定投资产品的组合比例；根据所述产品信息和所述组合比例生成投资组合产品，将所述投资组合产品的产品信息并发送至所述用户终端。A computer device comprising a memory, a processor, and a computer program stored on the memory and operable on the processor, wherein the processor executes the program to implement the step of: receiving a portfolio sent by the user terminal a request for generating a product, where the generating request includes personal information of the corresponding user and expected resource change information; calculating a user risk value of the user according to the personal information and the expected resource change information; according to each fixed investment product a product risk value and the user risk value, calculating a matching degree between each fixed investment product and the user; extracting product information of the first quantity of fixed investment products with the highest matching degree; calculating each extraction according to the matching degree a combination ratio of the fixed investment products; generating a portfolio product according to the product information and the combined ratio, and transmitting the product information of the portfolio product to the user terminal.
  16. 根据权利要求15所述的计算机设备，其特征在于，在所述根据每个固定投资产品的产品风险值与所述用户风险值，计算每个固定投资产品与所述用户的匹配度之前，还包括：获取每个固定投资产品的参考因子的量化数值；根据所述参考因子的量化数值计算出对应固定投资产品的产品风险值。The computer device according to claim 15, wherein before the matching of each fixed investment product with the user is calculated based on the product risk value of each fixed investment product and the user risk value, The method includes: obtaining a quantized value of a reference factor of each fixed investment product; and calculating a product risk value corresponding to the fixed investment product according to the quantized value of the reference factor.
  17. 根据权利要求16所述的计算机设备，其特征在于，所述参考因子 包括多个；所述根据所述参考因子的量化数值计算出对应固定投资产品的产品风险值，包括：根据所述用户风险值计算固定投资产品的每个参考因子的权值；根据每个参考因子的量化数值和权值计算出对应固定投资产品的产品风险值。The computer device according to claim 16, wherein the reference factor comprises a plurality of; the calculating a product risk value corresponding to the fixed investment product according to the quantized value of the reference factor, comprising: according to the user risk The value calculates the weight of each reference factor of the fixed investment product; the product risk value corresponding to the fixed investment product is calculated according to the quantified value and the weight of each reference factor.
  18. 根据权利要求15所述的计算机设备，其特征在于，所述根据所述个人信息和所述期望资源变化信息计算出所述用户的用户风险值，包括：根据所述个人信息计算出与所述用户相匹配的参考资源变化信息；根据所述参考资源变化信息和所述期望资源变化信息计算出所述用户的用户风险值。The computer device according to claim 15, wherein the calculating the user risk value of the user according to the personal information and the expected resource change information comprises: calculating, according to the personal information, User-matched reference resource change information; calculating a user risk value of the user according to the reference resource change information and the expected resource change information.
  19. 根据权利要求15所述的计算机设备，其特征在于，所述个人信息中包含用户标识；所述根据所述匹配度计算每个提取的固定投资产品的组合比例，包括：将所述第一数量的固定投资产品划分成第二数量的产品组，根据所述匹配度计算每个产品组中的固定投资产品的组合比例；所述根据所述产品标识和所述组合比例生成投资组合产品，包括：根据每个产品组中的固定投资产品的产品信息和组合比例生成投资组合产品；在所述将所述投资组合产品的产品信息并发送至所述用户终端之后，还包括：接收所述用户终端发送的对投资组合产品的选取指令；对所选取的投资组合产品设置产品标识，将所设置的产品标识与所述用户标识之间建立关联关系。The computer device according to claim 15, wherein the personal information includes a user identifier; and calculating, according to the matching degree, a combination ratio of each extracted fixed investment product, comprising: the first quantity The fixed investment product is divided into a second quantity of product groups, and a combination ratio of fixed investment products in each product group is calculated according to the matching degree; and the investment portfolio product is generated according to the product identification and the combined ratio, including Generating a portfolio product according to the product information and the combination ratio of the fixed investment products in each product group; after the product information of the portfolio product is sent to the user terminal, the method further includes: receiving the user The instruction for selecting the portfolio product sent by the terminal; setting the product identifier for the selected portfolio product, and establishing an association relationship between the set product identifier and the user identifier.
  20. 根据权利要求19所述的计算机设备，其特征在于，在所述将所设置的产品标识与所述用户标识之间建立关联关系之后，还包括：接收对选取的投资组合产品的资源模拟处理指令，所述资源模拟处理指令中携带模拟的资源初始值和模拟的生效时间；获取选取的投资组合产品中，每个固定投资产品的资源实时变化率；根据每个固定投资产品的组合比例、资源实时变化率、所述资源初始值以及所述生效时间，计算选取的投资组合产品的模拟资源变化值；将所述模拟资源变化值发送至所述用户终端。The computer device according to claim 19, after the establishing the association relationship between the set product identifier and the user identifier, further comprising: receiving a resource simulation processing instruction for the selected portfolio product The resource simulation processing instruction carries the initial value of the simulated resource and the effective time of the simulation; and obtains the real-time change rate of the resource of each fixed investment product in the selected portfolio product; according to the combination ratio and resources of each fixed investment product The real-time change rate, the initial value of the resource, and the effective time, calculate a simulated resource change value of the selected portfolio product; and send the simulated resource change value to the user terminal.
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