WO2022036702A1 - Warning method and apparatus for asset security product, electronic device, and storage medium - Google Patents

Warning method and apparatus for asset security product, electronic device, and storage medium Download PDF

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Publication number
WO2022036702A1
WO2022036702A1 PCT/CN2020/110551 CN2020110551W WO2022036702A1 WO 2022036702 A1 WO2022036702 A1 WO 2022036702A1 CN 2020110551 W CN2020110551 W CN 2020110551W WO 2022036702 A1 WO2022036702 A1 WO 2022036702A1
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WIPO (PCT)
Prior art keywords
asset
securities
target
loan information
income
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PCT/CN2020/110551
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French (fr)
Chinese (zh)
Inventor
王化
Original Assignee
深圳技术大学
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Priority to PCT/CN2020/110551 priority Critical patent/WO2022036702A1/en
Publication of WO2022036702A1 publication Critical patent/WO2022036702A1/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
    • G06Q40/02—Banking, e.g. interest calculation or account maintenance
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q40/00—Finance; Insurance; Tax strategies; Processing of corporate or income taxes
    • G06Q40/04—Trading; Exchange, e.g. stocks, commodities, derivatives or currency exchange

Definitions

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

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Abstract

A warning method for an asset security product, comprising: upon detecting new loan information, generating the loan information into a corresponding asset block according to a preset asset management contract (S201); determining target asset security products in a basic asset pool according to an asset block meeting a preset revenue rule, the basic asset pool comprising a plurality of different target asset security products (S202); respectively assessing corresponding target security risks according to the revenue rule and obtained actual revenue data of the plurality of target asset security products (S203); and generating corresponding target warning signals according to the target security risks to control to give an alarm (S204). By implementing the present method, loan information is generated into an asset block according to a preset asset management contract, an asset block meeting a revenue rule is selected to determine target asset security products, and corresponding target security risks are assessed according to actual revenue data of the target asset security products and the preset revenue rule to effectively monitor the risk of the asset security product in the asset securitization market.

Description

资产证券产品的预警方法、装置、电子设备及存储介质Early warning method, device, electronic device and storage medium for asset securities products 技术领域technical field
本发明涉及资产证券的监管技术领域，尤其涉及一种资产证券产品的预警方法、装置、电子设备及存储介质。The invention relates to the technical field of asset securities supervision, in particular to an early warning method, device, electronic device and storage medium for asset securities products.
背景技术Background technique
资产证券化行业虽然获得高速发展，但是其资金流管理有待完善、底层资产监管的透明性和效率亟待提高、增信措施成本较高、资产交易结算的效率偏低等问题逐渐出现，而区块链技术去中心化、防篡改能够有效解决上述问题，促进资产证券化行业的健康发展。以数字资产为代表的金融市场具有金融与区块链技术的结合体特征同时存在金融属性的风险和创新科技的风险，这些风险容易聚集在跨地区、跨组织等各类金融交易平台。目前的各式区块链易造成信息孤岛，使得区块链和资产证券领域之间难以结合，且资产证券化市场内资产证券产品的监控难度大。Although the asset securitization industry has achieved rapid development, its capital flow management needs to be improved, the transparency and efficiency of underlying asset supervision need to be improved, the cost of credit enhancement measures is high, and the efficiency of asset transaction settlement is low. The decentralization and anti-tampering of chain technology can effectively solve the above problems and promote the healthy development of the asset securitization industry. The financial market represented by digital assets has the characteristics of a combination of finance and blockchain technology. At the same time, there are risks of financial attributes and risks of innovative technology. These risks are easy to gather in various financial trading platforms such as cross-regional and cross-organization. The current various blockchains are easy to cause information islands, which makes it difficult to integrate the blockchain and asset securities fields, and it is difficult to monitor asset securities products in the asset securitization market.
因此，有必要提出一种新的资产证券的监管技术。Therefore, it is necessary to propose a new regulatory technology for asset securities.
技术问题technical problem
本申请提供了一种资产证券产品的预警方法、装置、电子设备及存储介质，可以解决区块链和资产证券领域之间难以结合，且资产证券化市场内资产证券产品的监控难度大的技术问题。This application provides an early warning method, device, electronic device and storage medium for asset securities products, which can solve the technology that is difficult to integrate between blockchain and asset securities fields, and the monitoring of asset securities products in the asset securitization market is difficult. question.
技术解决方案technical solutions
本发明第一方面提供一种资产证券产品的预警方法，所述方法包括：A first aspect of the present invention provides an early warning method for an asset securities product, the method comprising:
当检测到新的贷款信息时，将所述贷款信息按照预设的资产管理合约生成对应的资产区块；When new loan information is detected, generate the corresponding asset block according to the loan information according to the preset asset management contract;
根据符合预设的收益规则的所述资产区块确定基础资产池内的目标资产证券产品，其中，所述基础资产池包含多个不同的所述目标资产证券产品；Determine the target asset securities products in the base asset pool according to the asset blocks that meet the preset income rules, wherein the base asset pool includes a plurality of different target asset securities products;
根据所述收益规则及获取的多个所述目标资产证券产品的实际收益数据分别评估对应的目标证券风险；According to the income rules and the obtained actual income data of the target asset securities products, respectively evaluate the corresponding target securities risks;
根据所述目标证券风险生成对应的目标预警信号，以控制发出警示。A corresponding target early warning signal is generated according to the target security risk, so as to control the issuing of a warning.
可选的，所述当检测到新的贷款信息时，将所述贷款信息按照预设的资产管理合约生成对应的资产区块的步骤之前包括：Optionally, when new loan information is detected, before the step of generating a corresponding asset block from the loan information according to a preset asset management contract, the steps include:
间隔单位时间，查阅资产证券平台的贷款信息记录表；Check the loan information record table of the asset securities platform at intervals of unit time;
提取所述贷款信息记录表所有的贷款信息记录，所述贷款信息记录表包含至少一个贷款信息记录；extracting all loan information records in the loan information record table, the loan information record table including at least one loan information record;
当所述贷款信息记录的申请时间与所述单位时间相匹配时，则判定存在新的所述贷款信息，其中，所述贷款信息记录包含所述申请时间。When the application time of the loan information record matches the unit time, it is determined that there is new loan information, wherein the loan information record includes the application time.
可选的，所述当检测到新的贷款信息时，将所述贷款信息按照预设的资产管理合约生成对应的资产区块的步骤包括：Optionally, when new loan information is detected, the step of generating a corresponding asset block from the loan information according to a preset asset management contract includes:
当检测到新的贷款信息时，请求记录所述贷款信息；When new loan information is detected, request to record the loan information;
当请求记录响应后，将所述贷款信息进行链上加密，得到加密后的贷款信息；After the request records the response, encrypting the loan information on the chain to obtain the encrypted loan information;
将所述加密后的贷款信息按照所述预设的资产管理合约生成对应的所述资产区块。Generate the corresponding asset block from the encrypted loan information according to the preset asset management contract.
可选的，所述将所述加密后的贷款信息按照所述预设的资产管理合约生成对应的所述资产区块的步骤包括：Optionally, the step of generating the corresponding asset block from the encrypted loan information according to the preset asset management contract includes:
提取所述加密后的贷款信息的交易信息；extracting the transaction information of the encrypted loan information;
根据所述交易信息判定所述加密后的贷款信息是否有效；Determine whether the encrypted loan information is valid according to the transaction information;
当所述加密后的贷款信息有效时，按照所述预设的资产管理合约生成区块链上对应的所述资产区块。When the encrypted loan information is valid, the corresponding asset block on the blockchain is generated according to the preset asset management contract.
可选的，所述根据符合预设的收益规则的所述资产区块确定基础资产池内的目标资产证券产品的步骤包括：Optionally, the step of determining the target asset securities product in the basic asset pool according to the asset block that complies with the preset income rule includes:
提取所述资产区块的预回报信息；Extract the pre-reward information of the asset block;
根据所述预设的收益规则对所述预回报信息与进行筛选，得到符合所述预设的收益规则对应的资产区块；Screening the pre-return information and according to the preset income rules to obtain asset blocks corresponding to the preset income rules;
利用符合所述收益规则对应的资产区块组建基础资产池；Use the asset blocks corresponding to the income rules to form a basic asset pool;
根据所述基础资产池内的所述资产区块确定对应的所述目标资产证券产品。The corresponding target asset securities product is determined according to the asset block in the basic asset pool.
可选的，所述根据所述收益规则及获取的多个所述目标资产证券产品的实际收益数据分别评估对应的目标证券风险的步骤包括：Optionally, the step of evaluating the corresponding target securities risks according to the income rules and the obtained actual income data of a plurality of the target asset securities products includes:
分别查询多个所述目标资产证券产品对应的实际收益数据；respectively query the actual income data corresponding to a plurality of the target asset securities products;
分别将多个所述实际收益数据与所述收益规则的收益阈值对比，其中，所述收益规则包括所述收益阈值；respectively comparing a plurality of the actual income data with the income threshold of the income rule, wherein the income rule includes the income threshold;
若所述实际收益数据大于或等于所述收益阈值，则评估所述目标资产证券产品对应的目标证券风险为低风险；If the actual income data is greater than or equal to the income threshold, evaluating the target security risk corresponding to the target asset security product as low risk;
若所述实际收益数据小于所述收益阈值，则评估所述目标资产证券产品对应的目标证券风险为高风险。If the actual income data is less than the income threshold, the target security risk corresponding to the target asset security product is evaluated as high risk.
可选的，所述根据所述收益规则及获取的多个所述目标资产证券产品的实际收益数据分别评估对应的目标证券风险的步骤之后还包括：Optionally, after the step of respectively evaluating the corresponding target securities risks according to the income rules and the acquired actual income data of the target asset securities products, the following further steps are included:
利用所述贷款信息、所述目标资产证券产品及所述目标证券风险建立资产证券数据表，以供用户查询。An asset securities data table is established by using the loan information, the target asset securities product and the target securities risk for the user to query.
本发明第二方面提供一种资产证券产品的预警装置，所述装置包括：A second aspect of the present invention provides an early warning device for asset securities products, the device comprising:
资产生成模块，用于当检测到新的贷款信息时，将所述贷款信息按照预设的资产管理合约生成对应的资产区块；an asset generation module, configured to generate a corresponding asset block from the loan information according to a preset asset management contract when new loan information is detected;
产品确定模块，用于根据符合预设的收益规则的所述资产区块确定基础资产池内的目标资产证券产品，其中，所述基础资产池包含多个不同的所述目标资产证券产品；a product determination module, configured to determine a target asset securities product in a basic asset pool according to the asset block that complies with a preset income rule, wherein the basic asset pool includes a plurality of different target asset securities products;
风险评估模块，用于根据所述收益规则及获取的多个所述目标资产证券产品的实际收益数据分别评估对应的目标证券风险；a risk assessment module, configured to respectively assess the corresponding target securities risks according to the income rules and the obtained actual income data of a plurality of the target asset securities products;
预警生成模块，用于根据所述目标证券风险生成对应的目标预警信号，以控制发出警示。An early warning generating module is used to generate a corresponding target early warning signal according to the risk of the target securities, so as to control the issuing of warnings.
本发明第三方面提供一种电子设备，包括：存储器、处理器及通信总线，所述通信总线分别与所述存储器及所述处理器通信连接，所述存储器与所述处理器耦合，所述存储器上存储有计算机程序，所述处理器执行所述计算机程序时，实现第一方面的资产证券产品的预警方法中的各个步骤。A third aspect of the present invention provides an electronic device, comprising: a memory, a processor, and a communication bus, the communication bus is communicatively connected to the memory and the processor, respectively, the memory is coupled to the processor, and the A computer program is stored in the memory, and when the processor executes the computer program, each step in the early warning method for an asset securities product of the first aspect is implemented.
本发明第四方面提供一种存储介质，所述存储介质为计算机可读存储介质，所述计算机可读存储介质上存储有计算机程序，所述计算机程序被处理器执行时，实现第一方面的资产证券产品的预警方法中的各个步骤。A fourth aspect of the present invention provides a storage medium, where the storage medium is a computer-readable storage medium, and a computer program is stored on the computer-readable storage medium, and when the computer program is executed by a processor, the first aspect is implemented. The various steps in the early warning method of asset securities products.
有益效果beneficial effect
本发明提供的资产证券产品的预警方法，包括：当检测到新的贷款信息时，将贷款信息按照预设的资产管理合约生成对应的资产区块；根据符合预设的收益规则的资产区块确定基础资产池内的目标资产证券产品，其中，基础资产池包含多个不同的目标资产证券产品；根据收益规则及获取的多个目标资产证券产品的实际收益数据分别评估对应的目标证券风险；根据目标证券风险生成对应的目标预警信号，以控制发出警示。通过实施本方案，将贷款信息按照预设的资产管理合约生成资产区块，降低区块链和资产证券领域之间结合难度，并选取符合收益规则的资产区块确定目标资产证券产品，通过目标资产证券产品的实际收益数据与预设的收益规则对比，评估对应的目标证券风险，及根据目标证券风险发出警报，从而实现有效监控资产证券化市场内资产证券产品的风险，具有较高的可靠性。The early warning method for asset securities products provided by the present invention includes: when new loan information is detected, generating the corresponding asset block according to the loan information according to the preset asset management contract; according to the asset block conforming to the preset income rule Determine the target asset securities products in the underlying asset pool, wherein the underlying asset pool contains multiple different target asset securities products; evaluate the corresponding target securities risks according to the income rules and the actual income data obtained from multiple target asset securities products; The target security risk generates corresponding target early warning signals to control the issuance of warnings. By implementing this scheme, the loan information is generated into asset blocks according to the preset asset management contracts, the difficulty of combining the blockchain and the asset securities field is reduced, and the asset blocks that conform to the income rules are selected to determine the target asset securities products. Compare the actual return data of asset securities products with the preset return rules, evaluate the corresponding target securities risks, and issue alarms based on the target securities risks, so as to effectively monitor the risks of asset securities products in the asset securitization market, with high reliability sex.
附图说明Description of drawings
为了更清楚地说明本发明实施例或现有技术中的技术方案，下面将对实施例或现有技术描述中所需要使用的附图作简单地介绍，显而易见地，下面描述中的附图仅仅是本发明的一些实施例，对于本领域技术人员来讲，在不付出创造性劳动的前提下，还可以根据这些附图获得其他的附图。In order to explain the embodiments of the present invention or the technical solutions in the prior art more clearly, the following briefly introduces the accompanying drawings that need to be used in the description of the embodiments or the prior art. Obviously, the accompanying drawings in the following description are only These are some embodiments of the present invention. For those skilled in the art, other drawings can also be obtained according to these drawings without creative efforts.
图1为本发明实施例提供的资产证券产品的预警***的架构图；FIG. 1 is a structural diagram of an early warning system for asset securities products provided by an embodiment of the present invention;
图2为本发明实施例提供的资产证券产品的预警方法的步骤流程图；2 is a flowchart of steps of an early warning method for an asset securities product provided by an embodiment of the present invention;
图3为本发明实施例的资产证券产品的预警装置的模块方框图；3 is a block diagram of a module of an early warning device for asset securities products according to an embodiment of the present invention;
图4为本发明实施例提供的电子设备的架构图。FIG. 4 is a structural diagram of an electronic device provided by an embodiment of the present invention.
本发明的实施方式Embodiments of the present invention
为使得本发明的发明目的、特征、优点能够更加的明显和易懂，下面将结合本发明实施例中的附图，对本发明实施例中的技术方案进行清楚、完整地描述，显然，所描述的实施例仅仅是本发明一部分实施例，而非全部实施例。基于本发明中的实施例，本领域技术人员在没有做出创造性劳动前提下所获得的所有其他实施例，都属于本发明保护的范围。In order to make the purpose, features and advantages of the present invention more obvious and understandable, the technical solutions in the embodiments of the present invention will be clearly and completely described below with reference to the accompanying drawings in the embodiments of the present invention. The embodiments described above are only a part of the embodiments of the present invention, but not all of the embodiments. Based on the embodiments of the present invention, all other embodiments obtained by those skilled in the art without creative efforts shall fall within the protection scope of the present invention.
由于现有技术中区块链和资产证券领域之间难以结合，且资产证券化市场内资产证券产品的监控难度大的技术问题。Due to the difficulty of combining blockchain and asset securities in the existing technology, and the technical problems of difficult monitoring of asset securities products in the asset securitization market.
为了解决上述技术问题，本发明提出一种资产证券产品的预警方法、装置、电子设备及存储介质。In order to solve the above technical problems, the present invention provides an early warning method, device, electronic device and storage medium for asset securities products.
请参阅图1，为本发明实施例提供的资产证券产品的预警***的架构图，该资产证券的监管***架构为云端平台***架构，优选的，该云端平台***是基于资产管理合约在区块链上建立的资产证券的监管***，可适用于资产证券的监管，如贷款对应的资产证券。本发明以贷款为例，通过对该资产证券的监管***利用贷款信息生成对应的资产证券产品，并根据资产证券产品的实际收益数据进行风险监控，保证更高程度的安全性，减少对中介方的依赖，降低交易成本；且本模式有效结合资产证券化产品交易的非中心化特点，将资产管理合约具体应用于资产证券化市场，实现区块链与金融市场的有机结合。Please refer to FIG. 1 , which is an architecture diagram of an early warning system for asset securities products provided by an embodiment of the present invention. The asset securities supervision system architecture is a cloud platform system architecture. Preferably, the cloud platform system is based on asset management contracts. The supervision system of asset securities established on the chain can be applied to the supervision of asset securities, such as asset securities corresponding to loans. Taking loans as an example, the present invention uses the loan information to generate corresponding asset securities products through the asset securities supervision system, and conducts risk monitoring according to the actual income data of the asset securities products, so as to ensure a higher degree of security and reduce the need for intermediaries. This model effectively combines the non-centralized characteristics of asset securitization product transactions, and applies asset management contracts to the asset securitization market to realize the organic combination of blockchain and financial markets.
该资产证券的监管***具有多个数据端，具体的，该资产证券的监管***架构至少包括：服务端101、交易请求端102及风险预警端103，其中，可包含多个交易请求端102，如包含N个交易请求端102，以满足多个用户或客户同时请求；及还可包括多个风险预警端103，以实现不同级别的警示。服务端101与交易请求端102可实现数据交互，及服务端101与风险预警端103可实现数据交互，通过交易请求端102为用户或客户提供交易事件的交易请求链接或交易请求端102口；通过服务端101对交易请求端102的交易事件对应的交易数据进行数据处理，更新资产证券产品对应的交易信息，及根据交易数据实时评估资产证券产品的风险系数，并实时存储上传交易数据信息；通过风险预警端103响应服务端101的风险系数，作出风险预警。The asset securities supervision system has multiple data terminals. Specifically, the asset securities supervision system architecture at least includes: a server 101, a transaction request terminal 102 and a risk warning terminal 103, which may include multiple transaction request terminals 102, For example, N transaction request terminals 102 are included to satisfy simultaneous requests from multiple users or clients; and multiple risk warning terminals 103 may also be included to achieve different levels of warning. The server 101 and the transaction requesting terminal 102 can realize data interaction, and the server 101 and the risk warning terminal 103 can realize data interaction, and the transaction requesting terminal 102 can provide users or clients with a transaction request link of transaction events or a transaction requesting terminal 102 port; Through the server 101, data processing is performed on the transaction data corresponding to the transaction event of the transaction request terminal 102, the transaction information corresponding to the asset securities product is updated, the risk coefficient of the asset securities product is evaluated in real time according to the transaction data, and the transaction data information is stored and uploaded in real time; The risk warning terminal 103 responds to the risk coefficient of the server terminal 101 to make a risk warning.
具体的，交易请求端102用于为用户或客户提供交易事件的交易请求链接或交易请求端102口，其中，该交易事件包括贷款或还款，即交易请求可为贷款交易请求或还款交易请求。进一步的，用户或客户在资产证券的监管***或平台注册个户账号后，可通过使用个户账号登录的方式在终端登录进入该交易请求端102，通过交易请求端102与资产证券的监管***或平台的服务端101进行资产交易，并获取资产证券的监管***或平台的服务端101提供的资产证券产品对应的信息，以进行相关交易事件的交易请求，如通过该交易请求端102进行贷款交易请求，选择当前的目标资产证券产品进行贷款；或通过该交易请求端102进行还款交易请求，选取当前的目标资产证券产品进行还款。Specifically, the transaction request terminal 102 is used to provide a transaction request link or a transaction request terminal 102 port for a transaction event for the user or client, wherein the transaction event includes a loan or repayment, that is, the transaction request can be a loan transaction request or a repayment transaction. ask. Further, after a user or client registers an individual account in the asset securities supervision system or platform, he or she can log in to the transaction request terminal 102 at the terminal by logging in with the individual account, and use the transaction request terminal 102 to communicate with the asset securities supervision system. Or the server 101 of the platform conducts asset transactions, and obtains the information corresponding to the asset securities products provided by the asset securities supervision system or the server 101 of the platform, so as to make transaction requests for related transaction events, such as making loans through the transaction requester 102 For a transaction request, select the current target asset securities product for loan; or make a repayment transaction request through the transaction request terminal 102, select the current target asset securities product for repayment.
服务端101为资产证券的监管***的数据处理及数据存储的数据总端，具有与其他数据端之间进行数据交互的能力，如响应交易请求端102的交易请求数据的交互。具体的，该服务端101包括：业务供应部、处理器、数据存储部；其中，业务供应部用于接收和发送与交易请求端102的交易请求，实现服务端101与交易请求端102的数据交互；处理器用于交易数据的计算和处理，生成资产证券产品，及实现对资产证券产品的还款交易，还用于评估资产证券产品的风险；数据存储部用于存储处理后的交易数据，如储存资产证券产品对应的产品编号、还款方、金额、起始时间和到期时间等，这些数据以资产证券表的形式储存；需要说明的是，处理器还可通过调用数据存储部端的资产证券表，将其通过业务供应部发送至交易请求端102，以供用户获悉。进一步的，当用户或客户在交易请求端102发送贷款交易请求时，该贷款交易请求包含：贷款金额、贷款时间、还款预期时间、还款预期时间的需还款额度、利率等贷款信息，服务端101根据用户的贷款信息按照预设的资产管理合约生成资产区块，当资产区块符合收益规则时确立为资产证券产品，即贷款信息符合收益规则时，如贷款金额、贷款时间、还款预期时间、还款预期时间的需还款额度等满足资产证券的监管***内收益规则的收益要求时，客户向***或平台发送的贷款交易请求得到同意，贷款请求成功。另一方面，当用户或客户在交易请求端102发送还款交易请求时，该还款交易请求包含：还款金额、还款时间等还款信息，用户通过请求交易端选择对应的目标资产证券产品进行还款交易，以完成还款交易；此外，当用户通过请求交易端选择对应的目标资产证券产品进行还款交易，还款金额及还款时间不满足收益规则时，如还款金额不满足收益规则的预期还款金额数，或还款时间不满足收益规则的还款预期时间，如还款金额少于御前还款金额数，或还款时间晚于还款预期时间，服务端101将判定本次的还款交易请求未达标，将在评估该目标资产证券产品存在风险，则生成风险预警信号或风险预警数据。The server 101 is the data terminal for data processing and data storage of the asset securities supervision system, and has the capability of data interaction with other data terminals, such as data interaction in response to the transaction request from the transaction request terminal 102 . Specifically, the server 101 includes: a service supply part, a processor, and a data storage part; wherein, the service supply part is used to receive and send a transaction request with the transaction requester 102, and realize the data of the server 101 and the transaction requester 102. Interaction; the processor is used to calculate and process transaction data, generate asset securities products, realize repayment transactions for asset securities products, and evaluate the risks of asset securities products; the data storage unit is used to store processed transaction data, For example, the product number, repayment party, amount, start time and expiration time corresponding to asset securities products are stored, and these data are stored in the form of asset securities tables; it should be noted that the processor can also call the data storage part by calling the The asset securities table is sent to the transaction requesting terminal 102 through the service supply department for the user to learn. Further, when a user or client sends a loan transaction request at the transaction requesting terminal 102, the loan transaction request includes loan information such as loan amount, loan time, expected repayment time, amount to be repaid at the expected repayment time, interest rate, etc. The server 101 generates an asset block according to the user's loan information according to a preset asset management contract. When the asset block conforms to the income rules, it is established as an asset securities product, that is, when the loan information conforms to the income rules, such as loan amount, loan time, and repayment rules. When the expected time of repayment, the amount of repayment required at the expected time of repayment, etc. meet the income requirements of the income rules in the asset securities regulatory system, the loan transaction request sent by the customer to the system or platform is approved, and the loan request is successful. On the other hand, when a user or client sends a repayment transaction request at the transaction request terminal 102, the repayment transaction request includes repayment information such as repayment amount and repayment time, and the user selects the corresponding target asset securities by requesting the transaction terminal The product performs repayment transaction to complete the repayment transaction; in addition, when the user selects the corresponding target asset securities product for repayment transaction by requesting the transaction terminal, and the repayment amount and repayment time do not meet the income rules, if the repayment amount does not The expected repayment amount that meets the income rules, or the repayment time does not meet the expected repayment time of the income rules. If the repayment amount is less than the imperial repayment amount, or the repayment time is later than the expected repayment time, the server 101 It will be determined that the repayment transaction request this time does not meet the standard, and the risk warning signal or risk warning data will be generated when evaluating the risk of the target asset securities product.
风险预警端103为用于资产证券的监管***的风险警示或提示的端口，可用于给相关人员带来警示或提示，如短信提示等。当服务端101在评估目标资产证券产品存在风险时，该风险预警端103在接收服务端101发送的风险预警信号或风险预警数据后，根据接收的风向预警相关的数据进行预警，是使得相关人员实时掌握资产证券产品的违约风险，以进一步减少资产证券产品因违约造成的损失。The risk warning terminal 103 is a port used for risk warnings or prompts of the asset securities supervision system, and can be used to bring warnings or prompts to relevant personnel, such as SMS prompts and the like. When the server 101 is evaluating the risk of the target asset securities product, the risk early warning terminal 103, after receiving the risk early warning signal or risk early warning data sent by the server 101, performs early warning according to the received data related to the wind direction warning, so that the relevant personnel Master the default risk of asset securities products in real time to further reduce the losses caused by default of asset securities products.
请参阅图2，为本发明实施例提供的资产证券产品的预警方法的步骤流程图，本发明实施例提供一种资产证券产品的预警方法，该方法应用于图1所示的资产证券的监管***，其中，服务端101的处理器执行程序时，实现本实施例的资产证券产品的预警方法，该方法包括以下步骤：Please refer to FIG. 2 , which is a flowchart of steps of an early warning method for asset securities products provided by an embodiment of the present invention. An embodiment of the present invention provides an early warning method for asset securities products, which is applied to the supervision of asset securities shown in FIG. 1 . system, wherein, when the processor of the server 101 executes the program, it implements the early warning method for asset securities products in this embodiment, and the method includes the following steps:
步骤S201：当检测到新的贷款信息时，将贷款信息按照预设的资产管理合约生成对应的资产区块。Step S201: when new loan information is detected, generate a corresponding asset block from the loan information according to a preset asset management contract.
在本步骤S201中，该贷款信息为用户或客户提出的贷款信息，当用户向资产证券平台的执行贷款交易请求时，需要填写贷款信息，该贷款信息可包括：贷款人姓名、贷款金额、贷款请求时间、贷款偿还预期时间、预期单位时间内的贷款偿还金额、贷款利率等，在用户填写完成后，资产证券平台会将该贷款信息的项存储在贷款信息记录表，该贷款信息记录表为存储各客户发送的贷款交易请求对应的贷款信息的记录表，可存储多个用户的贷款信息项。资产证券平台会在预置单位时间内对贷款信息记录表检测，当检测到相对于上一预置单位时间的贷款信息记录包含新的贷款信息项，则视为有用户提出新的贷款交易请求，即检测到新的贷款信息，通过识别贷款信息的内容，如通过识别贷款人姓名、贷款金额、贷款请求时间等贷款信息，以评测该贷款信息的真实性，以进一步确认为新的贷款信息，可有效避免由于用户在填写贷款信息时的误操作或由于用户恶意骚扰贷款交易业务，提高资产证券平台管理的可靠性。In this step S201, the loan information is the loan information proposed by the user or the client. When the user makes a loan transaction request to the asset securities platform, the loan information needs to be filled in. The loan information may include: the name of the lender, the loan amount, the loan Request time, expected loan repayment time, expected loan repayment amount per unit time, loan interest rate, etc. After the user completes the filling, the asset securities platform will store the item of loan information in the loan information record table, which is The record table that stores the loan information corresponding to the loan transaction request sent by each customer can store the loan information items of multiple users. The asset securities platform will check the loan information record table within the preset unit time. When it detects that the loan information record relative to the previous preset unit time contains new loan information items, it is considered that a user has made a new loan transaction request. , that is, when new loan information is detected, by identifying the content of the loan information, such as by identifying the loan information such as the lender's name, loan amount, loan request time, etc., to evaluate the authenticity of the loan information to further confirm it as new loan information , which can effectively avoid users' misoperation when filling in loan information or malicious harassment of loan transaction business by users, and improve the reliability of asset securities platform management.
进一步的，在确认检测到新的贷款信息时，将贷款信息按照预设的资产管理合约生成对应的资产区块，需要说明的是，该预设的资产管理合约用于对贷款信息进行管理的合约，通过该资产管理合约可将贷款信息转换为符合基于区块链的资产证券平台的数据格式；利用资产证券平台对贷款信息进行处理，并将处理后的贷款信息上链至区块链，并生成贷款信息对应的资产区块。需要说明的是，该资产区块为将贷款信息记录至基于区块链的资产证券平台的资产数据区块，当用户提出贷款交易请求时，该贷款交易请求对应的贷款信息的申请记录会存储于区块链上，以记录该用户的申请记录；该资产区块并不相当于用户的贷款交易请求成功。通过资产管理合约生成的该资产区块符合资产证券平台，降低区块链和资产证券领域之间结合难度，使得贷款信息与基于区块链的资产证券平台的融合度，提高资产证券平台的交易数据处理效率。Further, when it is confirmed that new loan information is detected, a corresponding asset block is generated from the loan information according to a preset asset management contract. It should be noted that the preset asset management contract is used to manage the loan information. Through this asset management contract, the loan information can be converted into a data format that conforms to the blockchain-based asset securities platform; the asset securities platform is used to process the loan information, and the processed loan information is uploaded to the blockchain. And generate the asset block corresponding to the loan information. It should be noted that this asset block is an asset data block that records loan information to the blockchain-based asset securities platform. When a user requests a loan transaction, the application record of the loan information corresponding to the loan transaction request will be stored. On the blockchain to record the user's application record; the asset block does not mean that the user's loan transaction request is successful. The asset block generated by the asset management contract conforms to the asset securities platform, which reduces the difficulty of combining the blockchain and the asset securities field, makes the integration of loan information and the asset securities platform based on the blockchain, and improves the transaction of the asset securities platform. Data processing efficiency.
步骤S202：根据符合预设的收益规则的资产区块确定基础资产池内的目标资产证券产品，其中，基础资产池包含多个不同的目标资产证券产品。Step S202: Determine the target asset securities products in the basic asset pool according to the asset blocks conforming to the preset income rules, wherein the basic asset pool includes a plurality of different target asset securities products.
在生成资产区块后，需要对资产区块进行确认，以确定是否建立资产证券产品。在本步骤S202中，该预设的收益规则为资产证券平台设定的规则，该收益规则不限于包括：贷款金额限度、贷款款项发放时间、还款预期时间、贷款利率等数据阈值。进一步的，获取资产区块对应的贷款信息，当贷款信息相关的数据符合或满足收益规则对应的数据阈值，如贷款信息中的贷款金额满足收益规则的贷款金额限度时，则判定资产区块符合预设的收益规则，将多个该资产区块组建基础资产池，或将该资产区块加入组建好的基础资产池；此外，还可将多个资产区块对应的贷款信息或相关信息组建基础资产池，或将资产区块对应的贷款信息或相关信息加入基础资产池。进一步的，根据基础资产池内的资产区块或资产区块对应的贷款信息确定需要建立的目标资产证券产品，该基础资产池可包含多个不同的目标资产证券产品。通过本方法步骤，可筛选符合预设的收益规则的资产区块进行确立目标资产证券产品，有效避免不符合收益规则的贷款信息被加入基础资产池，并确立为目标资产证券产品，增加了目标资产证券产品的风险；通过执行本步骤，可实现在确立目标资产证券产品阶段进行监管，实现对贷款信息的筛选，降低确立目标资产证券产品的风险，提高可靠性。After the asset block is generated, the asset block needs to be confirmed to determine whether to establish an asset securities product. In this step S202, the preset income rule is a rule set by the asset securities platform, and the income rule is not limited to include: loan amount limit, loan payment time, repayment expected time, loan interest rate and other data thresholds. Further, the loan information corresponding to the asset block is obtained, and when the data related to the loan information meets or satisfies the data threshold corresponding to the income rule, for example, when the loan amount in the loan information meets the loan amount limit of the income rule, it is determined that the asset block meets the According to the preset income rules, multiple asset blocks are formed into a basic asset pool, or the asset blocks are added to the established basic asset pool; in addition, loan information or related information corresponding to multiple asset blocks can also be formed The basic asset pool, or the loan information or related information corresponding to the asset block is added to the basic asset pool. Further, the target asset securities product to be established is determined according to the asset block in the basic asset pool or the loan information corresponding to the asset block, and the basic asset pool may contain a plurality of different target asset securities products. Through the steps of this method, the asset blocks that conform to the preset income rules can be screened to establish the target asset securities product, effectively preventing loan information that does not conform to the income rules from being added to the basic asset pool and established as the target asset securities product, increasing the target Risks of asset securities products; by executing this step, supervision at the stage of establishing target asset securities products can be realized, screening of loan information can be realized, risks of establishing target asset securities products can be reduced, and reliability can be improved.
步骤S203：根据收益规则及获取的多个目标资产证券产品的实际收益数据分别评估对应的目标证券风险。Step S203: Evaluate the corresponding target securities risks according to the income rules and the obtained actual income data of the multiple target asset securities products.
在本步骤中，需要获取目标资产证券产品的实际收益数据，具体的，用户在还款预期时间内向资产证券平台发送还款交易请求，该还款交易请求包含实际还款信息、实际还款时间等，获取用户对目标资产证券产品进行请求还款交易的交易信息，该交易信息包含：还款金额信息、还款时间，即确定实际的还款金额和还款时间，根据交易信息确定目标资产证券产品对应的实际收益数据。进一步的，该预设的收益规则为资产证券平台设定的规则，该收益规则不限于包括：贷款金额限度、还款预期时间、贷款利率、预期时间内的贷款偿还金额等数据阈值；将预设的收益规则与目标资产证券产品对应的实际收益数据对比，当实际收益数据满足收益规则时，如实际收益数据中的还款时间在收益规则的还款预期时间之后，或实际收益数据中的还款金额小于预期时间内的贷款偿还金额阈值，则评估目标资产证券产品对应的目标证券风险为高风险；反之，则评估该目标证券风险为低风险。通过执行本步骤，通过查询目标资产证券产品的偿付情况和基础信息进行评估贷款资产的现金流的回收情况，进而评估证券化产品的风险，以实时的掌握基础资产的违约风险，从而提高对资产证券化的风险监控，避免由于目标资产证券产品违约造成的损失，具有可靠性。In this step, the actual income data of the target asset securities product needs to be obtained. Specifically, the user sends a repayment transaction request to the asset securities platform within the expected repayment time, and the repayment transaction request includes actual repayment information and actual repayment time. etc., to obtain the transaction information of the user's request for repayment of the target asset securities product, the transaction information includes: repayment amount information, repayment time, that is, to determine the actual repayment amount and repayment time, and determine the target asset according to the transaction information. Actual income data corresponding to securities products. Further, the preset income rule is a rule set by the asset securities platform, and the income rule is not limited to including: loan amount limit, expected repayment time, loan interest rate, loan repayment amount within the expected time and other data thresholds; The set income rules are compared with the actual income data corresponding to the target asset securities products. When the actual income data meets the income rules, for example, the repayment time in the actual income data is after the expected repayment time in the income rules, or the actual income data in the actual income data. If the repayment amount is less than the loan repayment amount threshold within the expected time period, the target security risk corresponding to the target asset securities product is assessed as high risk; otherwise, the target security risk is assessed as low risk. By executing this step, the cash flow recovery of loan assets is assessed by querying the repayment status and basic information of the target asset securities product, and then the risk of the securitization product is assessed, so as to grasp the default risk of the underlying asset in real time, thereby improving the asset management system. The risk monitoring of securitization can avoid losses caused by the default of target asset securities products, which is reliable.
步骤S204：根据目标证券风险生成对应的目标预警信号，以控制发出警示。Step S204: Generate a corresponding target early warning signal according to the risk of the target securities, so as to control the issuing of a warning.
具体的，在评估目标资产证券产品对应的目标证券风险后，根据评估的目标证券风险生成目标预警信号，该目标预警信号用于控制风险预警端或相应的预警装置发出警示或报警或提示，以提示用户或客户获悉目标资产证券产品的风险情况；如，当评估目标资产证券产品对应的目标证券风险为高风险时，根据该高风险的情况生成目标资产证券产品对应的目标警示信号，或根据目标证券风险的级别生成相应警示程度的目标预警信号，如当评估目标资产证券产品对应的目标证券风险为高风险时，发出多重目标警示信号，以控制风险预警端通过多种不同的警示方式发出警示，当为低风险时，生成较低程度的目标预警信号，以控制单一的目标预警端发出预警警示。需要说明的是，风险预警端或相应的预警装置在响应于目标预警信号后，可直接发出警示，如通过在终端界面发出相应的警示图标或警示符号，也可与运营商配合，通过短信提示的方式向用户发出警示，本实施例对警示方式不做具体限定。Specifically, after assessing the target security risk corresponding to the target asset security product, a target early warning signal is generated according to the assessed target security risk. Prompt the user or client to know the risk situation of the target asset securities product; for example, when evaluating the target securities risk corresponding to the target asset securities product as high risk, generate the target warning signal corresponding to the target asset securities product according to the high risk situation, or according to The level of the target security risk generates the target early warning signal with the corresponding warning degree. For example, when the target security risk corresponding to the target asset security product is assessed to be high risk, multiple target warning signals are issued to control the risk. The early warning terminal sends out various warning methods. Warning, when the risk is low, a lower level of target warning signal is generated to control a single target warning terminal to issue warning warning. It should be noted that the risk early warning terminal or the corresponding early warning device can directly issue a warning after responding to the target warning signal. For example, by issuing the corresponding warning icon or warning symbol on the terminal interface, it can also cooperate with the operator to give a reminder through SMS. The warning method is not specifically limited in this embodiment.
本发明提供一种资产证券产品的预警方法，包括：当检测到新的贷款信息时，将贷款信息按照预设的资产管理合约生成对应的资产区块；根据符合预设的收益规则的资产区块确定基础资产池内的目标资产证券产品，其中，基础资产池包含多个不同的目标资产证券产品；根据收益规则及获取的多个目标资产证券产品的实际收益数据分别评估对应的目标证券风险。通过实施本方案，将贷款信息按照预设的资产管理合约生成资产区块，降低区块链和资产证券领域之间结合难度，并选取符合收益规则的资产区块确定目标资产证券产品，通过目标资产证券产品的实际收益数据与预设的收益规则对比，评估对应的目标证券风险，及根据目标证券风险发出警报，从而实现有效监控资产证券化市场内资产证券产品的风险，具有较高的可靠性。The present invention provides an early warning method for asset securities products, comprising: when new loan information is detected, generating a corresponding asset block from the loan information according to a preset asset management contract; The block determines the target asset securities products in the base asset pool, wherein the base asset pool contains multiple different target asset securities products; according to the income rules and the obtained actual income data of multiple target asset securities products, the corresponding target securities risks are evaluated respectively. By implementing this scheme, the loan information is generated into asset blocks according to the preset asset management contracts, the difficulty of combining the blockchain and the asset securities field is reduced, and the asset blocks that conform to the income rules are selected to determine the target asset securities products. Compare the actual return data of asset securities products with the preset return rules, evaluate the corresponding target securities risks, and issue alarms based on the target securities risks, so as to effectively monitor the risks of asset securities products in the asset securitization market, with high reliability sex.
进一步的，在步骤S201之前，本发明实施例提供的资产证券产品的预警方法还包括以下步骤：Further, before step S201, the early warning method for an asset securities product provided by the embodiment of the present invention further includes the following steps:
间隔单位时间，查阅资产证券平台的贷款信息记录表；Check the loan information record table of the asset securities platform at intervals of unit time;
提取贷款信息记录表所有的贷款信息记录，贷款信息记录表包含至少一个贷款信息记录；Extract all loan information records in the loan information record table, and the loan information record table contains at least one loan information record;
当贷款信息记录的申请时间与单位时间相匹配时，则判定存在新的贷款信息，其中，贷款信息记录包含申请时间。When the application time of the loan information record matches the unit time, it is determined that there is new loan information, wherein the loan information record includes the application time.
具体的，该资产证券产品的预警方法对应的资产证券平台预先设置了单位时间，该单位时间为查阅资产证券平台的贷款信息记录表的间隔时间，如，可将该单位时间设置为5秒、10秒、30秒、1分钟或5分钟等，本实施例对此不做限定，可根据实际情况设定。间隔单位时间，查阅资产证券平台的贷款信息记录表，当贷款信息记录表存在贷款信息时，提取贷款信息记录表内所有的贷款信息记录，并分别解析或获取贷款信息记录的申请时间，该申请时间为贷款交易请求的时间，或生成贷款信息对应的贷款信息记录的实际时间；进一步的，将该申请时间与前一单位时间对应的实际时间配对，当该申请时间位于前一单位时间内，则认为该贷款信息记录为前一单位时间内生成的贷款信息记录，则判定贷款信息记录的申请时间与单位时间相匹配，进而确定存在新的贷款信息。通过实施本步骤，可实现实时检测新的贷款信息，以实时获悉用户向资产证券平台提出的贷款交易请求，进而进行响应，提高用户的体验。Specifically, the asset securities platform corresponding to the early warning method of the asset securities product presets a unit time, and the unit time is the interval time for checking the loan information record table of the asset securities platform. For example, the unit time can be set to 5 seconds, 10 seconds, 30 seconds, 1 minute, or 5 minutes, etc., which are not limited in this embodiment, and can be set according to actual conditions. Check the loan information record table of the asset securities platform every unit time. When there is loan information in the loan information record table, extract all the loan information records in the loan information record table, and analyze or obtain the application time of the loan information record respectively. The time is the time of the loan transaction request, or the actual time of generating the loan information record corresponding to the loan information; further, the application time is paired with the actual time corresponding to the previous unit time, and when the application time is within the previous unit time, Then, the loan information record is considered to be the loan information record generated in the previous unit time, and it is determined that the application time of the loan information record matches the unit time, and then it is determined that there is new loan information. By implementing this step, new loan information can be detected in real time, so that the loan transaction request made by the user to the asset securities platform can be learned in real time, and then the user can respond and improve the user experience.
在本实施例中，步骤S201可具体包括：In this embodiment, step S201 may specifically include:
当检测到新的贷款信息时，请求记录贷款信息；Request to record loan information when new loan information is detected;
当请求记录响应后，将贷款信息进行链上加密，得到加密后的贷款信息；After the request records the response, the loan information is encrypted on the chain to obtain the encrypted loan information;
将加密后的贷款信息按照预设的资产管理合约生成对应的资产区块。Generate the corresponding asset block from the encrypted loan information according to the preset asset management contract.
在步骤S201中，资产证券平台会在预置单位时间内对贷款信息记录表检测，当检测到相对于上一预置单位时间的贷款信息记录包含新的贷款信息项时，则视为有用户提出新的贷款交易请求，即检测到新的贷款信息；资产证券平台请求记录该贷款信息项，即将该贷款信息上链，具体的，在请求记录贷款信息响应时，通过识别贷款信息的内容，如通过识别贷款人姓名、贷款金额、贷款请求时间等贷款信息，将这些信息进行上链，并对贷款信息进行链上加密，确保贷款人姓名、贷款金额、贷款请求时间等贷款信息的安全。进一步的，将加密后的贷款信息按照预设的资产管理合约生成对应的资产区块，具体的，通过该资产管理合约可将贷款信息转换为符合基于区块链的资产证券平台的数据格式，利用资产证券平台对贷款信息进行处理，并将处理后的贷款信息上链至区块链，并生成贷款信息对应的资产区块，降低区块链和资产证券领域之间结合难度，使得贷款信息与基于区块链的资产证券平台的融合度，提高资产证券平台的交易数据处理效率。In step S201, the asset securities platform will detect the loan information record table within a preset unit time, and when it detects that the loan information record relative to the previous preset unit time contains a new loan information item, it is deemed that there is a user A new loan transaction request is made, that is, new loan information is detected; the asset securities platform requests to record the loan information item, that is, the loan information is put on the chain. For example, by identifying the loan information such as the name of the lender, the amount of the loan, and the time of the loan request, the information is uploaded to the chain, and the loan information is encrypted on the chain to ensure the security of the loan information such as the name of the lender, the loan amount, and the time of the loan request. Further, the encrypted loan information is generated according to the preset asset management contract to generate the corresponding asset block. Specifically, the loan information can be converted into a data format conforming to the blockchain-based asset securities platform through the asset management contract. Use the asset securities platform to process loan information, upload the processed loan information to the blockchain, and generate asset blocks corresponding to the loan information, reduce the difficulty of combining blockchain and asset securities, and make loan information The integration with the blockchain-based asset securities platform improves the transaction data processing efficiency of the asset securities platform.
进一步的，将加密后的贷款信息按照预设的资产管理合约生成对应的资产区块的步骤包括：Further, the step of generating the corresponding asset block from the encrypted loan information according to the preset asset management contract includes:
提取加密后的贷款信息的交易信息；Extract the transaction information of the encrypted loan information;
根据交易信息判定加密后的贷款信息是否有效；Determine whether the encrypted loan information is valid according to the transaction information;
当加密后的贷款信息有效时，按照预设的资产管理合约生成区块链上对应的资产区块。When the encrypted loan information is valid, the corresponding asset block on the blockchain is generated according to the preset asset management contract.
具体的，该交易信息可为贷款人身份信息，如贷款人姓名、身份证号等，及交易信息还包括：贷款金额、贷款请求时间、请求放款时间等；提取加密后的贷款信息相关的交易信息，根据提取的交易信息评测该贷款信息的真实性，如对款人身份信息找中的姓名和身份证号是否匹配，贷款金额和请求放款时间是否具有可靠性，如贷款金额为100元，请求放款时间为50年，则可判定对应的贷款信息中的交易信息不可靠，需要说明的是，本实施例可设定贷款金额最低限度和贷款金额最高限度，还可设定请求放款期限，如请求放款期限最晚可为1年等，本实施例对此不做限度，可根据当前实际经济情况进行设定。通过确定贷款信息的有效性，可有效避免由于用户在填写贷款信息时的误操作或由于用户恶意骚扰贷款交易业务，提高资产证券平台管理的可靠性。Specifically, the transaction information can be the identity information of the lender, such as the lender's name, ID number, etc., and the transaction information also includes: loan amount, loan request time, loan request time, etc.; transactions related to extracting encrypted loan information information, evaluate the authenticity of the loan information according to the extracted transaction information, such as whether the name and ID number found in the identity information of the borrower match, and whether the loan amount and the requested loan time are reliable, such as the loan amount is 100 yuan, If the loan request time is 50 years, it can be determined that the transaction information in the corresponding loan information is unreliable. It should be noted that in this embodiment, the minimum loan amount and the maximum loan amount can be set, and the loan request period can also be set. For example, the loan request period may be one year at the latest, etc., which is not limited in this embodiment, and may be set according to the current actual economic situation. By determining the validity of the loan information, the user's misoperation when filling in the loan information or the malicious harassment of the loan transaction business by the user can be effectively avoided, and the reliability of the management of the asset securities platform can be improved.
进一步的，通过该资产管理合约将加密后的贷款信息转换为符合基于区块链的资产证券平台的数据格式，利用资产证券平台对贷款信息进行处理，并将处理后的贷款信息区块链上的资产证券平台生成贷款信息对应的资产区块，降低区块链和资产证券领域之间结合难度，使得贷款信息与基于区块链的资产证券平台的融合度，提高资产证券平台的交易数据处理效率。Further, the encrypted loan information is converted into a data format conforming to the blockchain-based asset securities platform through the asset management contract, the asset securities platform is used to process the loan information, and the processed loan information is uploaded to the blockchain. The asset securities platform generates the asset blocks corresponding to the loan information, which reduces the difficulty of combining the blockchain and the asset securities field, enables the integration of loan information and the asset securities platform based on the blockchain, and improves the transaction data processing of the asset securities platform. effectiveness.
在本实施例中，步骤S202可具体包括：In this embodiment, step S202 may specifically include:
提取资产区块的预回报信息；Extract the pre-return information of the asset block;
根据预设的收益规则对预回报信息与进行筛选，得到符合预设的收益规则对应的资产区块；Screen the pre-return information and according to the preset income rules, and obtain the asset blocks corresponding to the preset income rules;
利用符合收益规则对应的资产区块组建基础资产池；Use the asset blocks corresponding to the income rules to form a basic asset pool;
根据基础资产池内的资产区块确定对应的目标资产证券产品。The corresponding target asset securities products are determined according to the asset blocks in the underlying asset pool.
具体的，该预设的收益规则为资产证券平台设定的规则，该收益规则不限于包括：还款预期时间、贷款利率、还款预期时间的需还款额度等数据阈值。进一步的，提取或获取资产区块对应的预回报信息，该预回报信息为用户在发送贷款交易请求时，填写的贷款信息的预期数据，即用户在进行贷款后，在后续的还款过程中可接受的各数据条件；该预回报信息包括：预还款时间、预贷款利率、预还款金额等数据信息，当预回报信息相关的数据符合或满足收益规则对应的数据阈值，如预回报信息中的贷款利率大于收益规则的贷款收益率阈值时，或还款金额大于还款预期时间的需还款额度阈值时，或还款时间小于还款预期时间阈值时，则判定资产区块符合预设的收益规则，需要说明的是，本实施例还可限定预回报信息包含的各数据需同时满足收益规则中的对应的数据阈值，才判定资产区块符合预设的收益规则，本实施例对此不作具体限定。进一步的，将多个符合收益规则的资产区块组建基础资产池，或将符合收益规则的一个资产区块加入组建好的基础资产池；此外，还可将多个资产区块对应的贷款信息或相关信息组建基础资产池，或将资产区块对应的贷款信息或相关信息加入基础资产池。进一步的，根据基础资产池内的资产区块或资产区块对应的贷款信息确定需要建立的目标资产证券产品，该基础资产池可包含多个不同的目标资产证券产品。通过本方法步骤，可筛选符合预设的收益规则的资产区块进行确立目标资产证券产品，有效避免不符合收益规则的贷款信息被加入基础资产池，并确立为目标资产证券产品，增加了目标资产证券产品的风险；通过执行本步骤，可实现在确立目标资产证券产品阶段进行监管，实现对贷款信息的筛选，降低确立目标资产证券产品的风险，提高可靠性。Specifically, the preset income rule is a rule set by the asset securities platform, and the income rule is not limited to including data thresholds such as the expected repayment time, the loan interest rate, and the required repayment amount at the expected repayment time. Further, extract or obtain the pre-return information corresponding to the asset block, the pre-return information is the expected data of the loan information filled in when the user sends a loan transaction request, that is, after the user makes a loan, in the subsequent repayment process. Acceptable data conditions; the pre-return information includes: pre-payment time, pre-loan interest rate, pre-payment amount and other data information, when the data related to the pre-return information meets or meets the data threshold corresponding to the income rule, such as pre-return When the loan interest rate in the information is greater than the loan yield threshold of the income rule, or the repayment amount is greater than the repayment amount threshold of the expected repayment time, or the repayment time is less than the expected repayment time threshold, the asset block is determined to meet the It should be noted that this embodiment can also limit that each data included in the pre-return information must meet the corresponding data thresholds in the income rules at the same time, and then it is determined that the asset block conforms to the preset income rules. This implementation This example is not specifically limited. Further, multiple asset blocks that meet the income rules are formed into a basic asset pool, or an asset block that meets the income rules is added to the established basic asset pool; in addition, the loan information corresponding to multiple asset blocks can also be added. Or related information to form a basic asset pool, or add loan information or related information corresponding to the asset block to the basic asset pool. Further, the target asset securities product to be established is determined according to the asset block in the basic asset pool or the loan information corresponding to the asset block, and the basic asset pool may contain a plurality of different target asset securities products. Through the steps of this method, asset blocks that conform to preset income rules can be screened to establish target asset securities products, effectively preventing loan information that does not conform to income rules from being added to the basic asset pool and established as target asset securities products, increasing the target Risks of asset securities products; by executing this step, supervision at the stage of establishing target asset securities products can be realized, screening of loan information can be realized, risks of establishing target asset securities products can be reduced, and reliability can be improved.
在本实施例中，步骤S203可具体包括：In this embodiment, step S203 may specifically include:
分别查询多个目标资产证券产品对应的实际收益数据；Query the actual income data corresponding to multiple target asset securities products respectively;
分别将多个实际收益数据与收益规则的收益阈值对比，其中，收益规则包括收益阈值；Compare the multiple actual income data with the income threshold of the income rule, wherein the income rule includes the income threshold;
若实际收益数据大于或等于收益阈值，则评估目标资产证券产品对应的目标证券风险为低风险；If the actual income data is greater than or equal to the income threshold, the target security risk corresponding to the target asset security product is assessed to be low risk;
若实际收益数据小于收益阈值，则评估目标资产证券产品对应的目标证券风险为高风险。If the actual income data is less than the income threshold, the target security risk corresponding to the target asset security product is evaluated as high risk.
在本步骤S203中，需要获取目标资产证券产品的实际收益数据具体的，用户在还款预期时间内向资产证券平台发送还款交易请求，该还款交易请求包含实际还款信息、实际还款时间等。本实施例以实际还款信息为例，该实际还款信息科理解为实际还款的金额。具体的，分别查询一个或多个目标资产证券产品对应的实际收益数据，该实际收益数据包含：还款金额。进一步的，该预设的收益规则为资产证券平台设定的规则，该收益阈值为收益规则中的预期时间内的贷款偿还金额阈值，将预设收益规则与目标资产证券产品对应的实际收益数据对比，当实际收益数据满足收益规则时，如实际收益数据中的还款金额大于或等于预期时间内的贷款偿还金额阈值，则评估目标资产证券产品对应的目标证券风险为低风险；反之，若实际收益数据中的还款金额小于预期时间内的贷款偿还金额阈值，则评估目标资产证券产品对应的目标证券风险为高风险。通过执行本步骤，通过查询目标资产证券产品的偿付情况和基础信息进行评估贷款资产的现金流的回收情况，进而评估证券化产品的风险，以实时的掌握基础资产的违约风险，从而提高对资产证券化的风险监控，避免由于目标资产证券产品违约造成的损失，具有可靠性。In this step S203, the actual income data of the target asset securities product needs to be obtained. Specifically, the user sends a repayment transaction request to the asset securities platform within the expected repayment time, and the repayment transaction request includes actual repayment information and actual repayment time. Wait. In this embodiment, the actual repayment information is taken as an example, and the actual repayment information section is understood as the actual repayment amount. Specifically, the actual income data corresponding to one or more target asset securities products are respectively queried, where the actual income data includes: the repayment amount. Further, the preset income rule is a rule set by the asset securities platform, the income threshold is the loan repayment amount threshold within the expected time in the income rule, and the preset income rule is matched with the actual income data corresponding to the target asset securities product. In contrast, when the actual income data satisfies the income rules, if the repayment amount in the actual income data is greater than or equal to the loan repayment amount threshold within the expected time period, the target securities risk corresponding to the target asset securities product is evaluated as low risk; otherwise, if If the repayment amount in the actual income data is less than the loan repayment amount threshold within the expected time period, the target securities risk corresponding to the target asset securities product is evaluated as high risk. By executing this step, the cash flow recovery of loan assets is assessed by querying the repayment status and basic information of the target asset securities product, and then the risk of the securitization product is assessed, so as to grasp the default risk of the underlying asset in real time, thereby improving the asset management system. The risk monitoring of securitization can avoid losses caused by the default of target asset securities products, which is reliable.
在本实施例中，步骤S203之后还包括：In this embodiment, after step S203, it further includes:
进一步的，利用贷款信息、目标资产证券产品及目标证券风险建立资产证券数据表，以供用户查询。Further, an asset securities data table is established by using the loan information, the target asset securities product and the target securities risk for the user to query.
具体的，利用贷款信息、目标资产证券产品及目标证券风险生成资产证券数据表，该资产证券数据表可存储在数据库或数据存储端，且可通过处理器调用该资产证券数据表，将其通过业务供应端发送至用户端或交易请求端，以供用户参考或查阅。需要说明的是，还可通过其他数据建立资产证券数据表，如还款预期时间、贷款利率等，本实施例对此不作进一步赘述。Specifically, an asset securities data table is generated by using loan information, target asset securities products and target securities risks. The asset securities data table can be stored in a database or a data storage terminal, and the asset securities data table can be called by a processor, and passed through The service provider sends it to the client or the transaction requester for the user's reference or reference. It should be noted that the asset securities data table may also be established by using other data, such as the expected repayment time, loan interest rate, etc., which will not be further described in this embodiment.
请参阅图3，图3为本发明实施例的资产证券产品的预警装置的模块方框图，该资产证券产品的预警装置对应资产证券产品的预警方法的执行主体处理器，该装置300包括：Please refer to FIG. 3 . FIG. 3 is a block diagram of a module of an early warning device for asset securities products according to an embodiment of the present invention. The early warning device for asset securities products corresponds to an executive body processor of an early warning method for asset securities products. The device 300 includes:
资产生成模块301，用于当检测到新的贷款信息时，将贷款信息按照预设的资产管理合约生成对应的资产区块；The asset generation module 301 is configured to generate a corresponding asset block from the loan information according to a preset asset management contract when new loan information is detected;
产品确定模块302，用于根据符合预设的收益规则的资产区块确定基础资产池内的目标资产证券产品，其中，基础资产池包含多个不同的目标资产证券产品；The product determination module 302 is configured to determine the target asset securities product in the basic asset pool according to the asset block conforming to the preset income rule, wherein the basic asset pool contains a plurality of different target asset securities products;
风险评估模块303，用于根据收益规则及获取的多个目标资产证券产品的实际收益数据分别评估对应的目标证券风险；A risk assessment module 303, configured to respectively assess the corresponding target securities risks according to the income rules and the obtained actual income data of multiple target asset securities products;
预警生成模块304，用于根据目标证券风险生成对应的目标预警信号，以控制发出警示。The early warning generation module 304 is configured to generate a corresponding target early warning signal according to the risk of the target securities, so as to control the issuing of warnings.
进一步的，该装置300还包括：数据建立模块305；Further, the apparatus 300 further includes: a data establishment module 305;
数据建立模块305，用于利用贷款信息、目标资产证券产品及目标证券风险建立资产证券数据表，以供用户查询。The data establishment module 305 is used for establishing an asset securities data table by using loan information, target asset securities products and target securities risks, for users to query.
本发明提供一种资产证券产品的预警装置，包括：资产生成模块301、产品确定模块302、风险评估模块303、预警生成模块304及数据建立模块305；具体的，首先，当检测到新的贷款信息时，通过资产生成模块301将贷款信息按照预设的资产管理合约生成对应的资产区块；通过产品确定模块302根据符合预设的收益规则的资产区块确定基础资产池内的目标资产证券产品，其中，基础资产池包含多个不同的目标资产证券产品；通过风险评估模块303根据收益规则及获取的多个目标资产证券产品的实际收益数据分别评估对应的目标证券风险；通过预警生成模块304根据目标证券风险生成对应的目标预警信号，以控制发出警示；及通过数据建立模块305利用贷款信息、目标资产证券产品及目标证券风险建立资产证券数据表，以供用户查询。通过实施本方案，将贷款信息按照预设的资产管理合约生成资产区块，降低区块链和资产证券领域之间结合难度，并选取符合收益规则的资产区块确定目标资产证券产品，通过目标资产证券产品的实际收益数据与预设的收益规则对比，评估对应的目标证券风险，及根据目标证券风险发出警报，从而实现有效监控资产证券化市场内资产证券产品的风险，具有较高的可靠性。The present invention provides an early warning device for asset securities products, including: an asset generation module 301, a product determination module 302, a risk assessment module 303, an early warning generation module 304 and a data establishment module 305; specifically, first, when a new loan is detected information, the loan information is generated by the asset generation module 301 according to the preset asset management contract to generate the corresponding asset block; the product determination module 302 is used to determine the target asset securities product in the basic asset pool according to the asset block that conforms to the preset income rules , wherein the underlying asset pool includes a plurality of different target asset securities products; the risk assessment module 303 evaluates the corresponding target securities risks according to the income rules and the actual income data of the multiple target asset securities products obtained; through the early warning generation module 304 Generate a corresponding target early warning signal according to the target security risk to control the warning; and use the loan information, target asset security product and target security risk to create an asset security data table through the data establishment module 305 for the user to query. By implementing this scheme, the loan information is generated into asset blocks according to the preset asset management contracts, the difficulty of combining the blockchain and the asset securities field is reduced, and the asset blocks that conform to the income rules are selected to determine the target asset securities products. Compare the actual return data of asset securities products with the preset return rules, evaluate the corresponding target securities risks, and issue alarms based on the target securities risks, so as to effectively monitor the risks of asset securities products in the asset securitization market, with high reliability sex.
本发明提供一种电子设备，请参阅图4，为本发明实施例提供的电子设备的架构图，该电子设备包括：存储器401、处理器402及通信总线403，通信总线403分别与存储器401及处理器402通信连接，存储器401与处理器402耦合，存储器401上存储有计算机程序，处理器402执行计算机程序时，实现上述任意一项的资产证券产品的预警方法中的各个步骤。The present invention provides an electronic device, please refer to FIG. 4 , which is a structural diagram of an electronic device provided by an embodiment of the present invention. The electronic device includes: a memory 401 , a processor 402 , and a communication bus 403 , and the communication bus 403 is connected to the memory 401 and 401 respectively. The processor 402 is communicatively connected, the memory 401 is coupled to the processor 402, and a computer program is stored in the memory 401. When the processor 402 executes the computer program, each step in the early warning method for any of the above-mentioned asset securities products is implemented.
示例性的，资产证券产品的预警方法的计算机程序主要包括：当检测到新的贷款信息时，将贷款信息按照预设的资产管理合约生成对应的资产区块；根据符合预设的收益规则的资产区块确定基础资产池内的目标资产证券产品，其中，基础资产池包含多个不同的目标资产证券产品；根据收益规则及获取的多个目标资产证券产品的实际收益数据分别评估对应的目标证券风险。另外，计算机程序也可以被分割成一个或多个模块，一个或者多个模块被存储在存储器中，并由处理器执行，以完成本发明。一个或多个模块可以是能够完成特定功能的一系列计算机程序指令段，该指令段用于描述计算机程序在计算设备中的执行过程。例如，计算机程序可以被分割成如图3所示的资产生成模块301、产品确定模块302、风险评估模块303、预警生成模块304及数据建立模块305。Exemplarily, the computer program of the early warning method for asset securities products mainly includes: when new loan information is detected, generating the corresponding asset block from the loan information according to the preset asset management contract; The asset block determines the target asset securities products in the base asset pool, wherein the base asset pool contains multiple different target asset securities products; the corresponding target securities are evaluated respectively according to the income rules and the actual income data obtained from multiple target asset securities products risk. In addition, the computer program can also be divided into one or more modules, and the one or more modules are stored in a memory and executed by a processor to accomplish the present invention. One or more modules may be a series of computer program instruction segments capable of performing a specified function, and the instruction segments are used to describe the execution of the computer program in a computing device. For example, the computer program can be divided into an asset generation module 301, a product determination module 302, a risk assessment module 303, an early warning generation module 304, and a data creation module 305 as shown in FIG. 3 .
处理器402可以是中央处理模块（Central Processing Unit，CPU），还可以是其他通用处理器、数字信号处理器（Digital Signal Processor，DSP）、专用集成电路（Application Specific Integrated Circuit，ASIC）、现成可编程门阵列（Field-Programmable Gate Array，FPGA）或者其他可编程逻辑器件、分立门或者晶体管逻辑器件、分立硬件组件等。通用处理器可以是微处理器或者该处理器也可以是任何常规的处理器等。The processor 402 may be a central processing module (Central Processing Unit, CPU), other general-purpose processors, Digital Signal Processor (DSP), Application Specific Integrated Circuit (ASIC), Field-Programmable Gate Array (Field-Programmable Gate Array, FPGA) or other programmable logic devices, discrete gate or transistor logic devices, discrete hardware components, etc. A general purpose processor may be a microprocessor or the processor may be any conventional processor or the like.
本发明还提供一种存储介质，存储介质为计算机可读存储介质，计算机可读存储介质上存储有计算机程序，计算机程序被处理器执行时，实现上述任意一项的资产证券产品的预警方法中的各个步骤。The present invention also provides a storage medium, where the storage medium is a computer-readable storage medium, and a computer program is stored on the computer-readable storage medium. When the computer program is executed by a processor, any one of the above-mentioned early warning methods for asset securities products is realized. of the various steps.
在本申请所提供的几个实施例中，应该理解到，所揭露的装置和方法，可以通过其它的方式实现。例如，以上所描述的装置实施例仅仅是示意性的，例如，所述模块的划分，仅仅为一种逻辑功能划分，实际实现时可以有另外的划分方式，例如多个模块或组件可以结合或者可以集成到另一个***，或一些特征可以忽略，或不执行。另一点，所显示或讨论的相互之间的耦合或直接耦合或通信连接可以是通过一些接口，装置或模块的间接耦合或通信连接，可以是电性，机械或其它的形式。In the several embodiments provided in this application, it should be understood that the disclosed apparatus and method may be implemented in other manners. For example, the apparatus embodiments described above are only illustrative. For example, the division of the modules is only a logical function division. In actual implementation, there may be other division methods. For example, multiple modules or components may be combined or Can be integrated into another system, or some features can be ignored, or not implemented. On the other hand, the shown or discussed mutual coupling or direct coupling or communication connection may be through some interfaces, indirect coupling or communication connection of devices or modules, and may be in electrical, mechanical or other forms.
所述作为分离部件说明的模块可以是或者也可以不是物理上分开的，作为模块显示的部件可以是或者也可以不是物理模块，即可以位于一个地方，或者也可以分布到多个网络模块上。可以根据实际的需要选择其中的部分或者全部模块来实现本实施例方案的目的。The modules described as separate components may or may not be physically separated, and the components shown as modules may or may not be physical modules, that is, may be located in one place, or may be distributed to multiple network modules. Some or all of the modules may be selected according to actual needs to achieve the purpose of the solution in this embodiment.
另外，在本发明各个实施例中的各功能模块可以集成在一个处理模块中，也可以是各个模块单独物理存在，也可以两个或两个以上模块集成在一个模块中。上述集成的模块既可以采用硬件的形式实现，也可以采用软件功能模块的形式实现。In addition, each functional module in each embodiment of the present invention may be integrated into one processing module, or each module may exist physically alone, or two or more modules may be integrated into one module. The above-mentioned integrated modules can be implemented in the form of hardware, and can also be implemented in the form of software function modules.
所述集成的模块如果以软件功能模块的形式实现并作为独立的产品销售或使用时，可以存储在一个计算机可读取存储介质中。基于这样的理解，本发明的技术方案本质上或者说对现有技术做出贡献的部分或者该技术方案的全部或部分可以以软件产品的形式体现出来，该计算机软件产品存储在一个存储介质中，包括若干指令用以使得一台计算机设备（可以是个人计算机，服务器，或者网络设备等）执行本发明各个实施例所述方法的全部或部分步骤。而前述的存储介质包括：U盘、移动硬盘、只读存储器（ROM，Read-Only Memory）、随机存取存储器（RAM，Random Access Memory）、磁碟或者光盘等各种可以存储程序代码的介质。If the integrated modules are implemented in the form of software functional modules and sold or used as independent products, they may be stored in a computer-readable storage medium. Based on this understanding, the technical solution of the present invention is essentially or the part that contributes to the prior art, or all or part of the technical solution can be embodied in the form of a software product, and the computer software product is stored in a storage medium , including several instructions for causing a computer device (which may be a personal computer, a server, or a network device, etc.) to execute all or part of the steps of the methods described in the various embodiments of the present invention. The aforementioned storage medium includes: U disk, mobile hard disk, Read-Only Memory (ROM, Read-Only Memory), Random Access Memory (RAM, Random Access Memory), magnetic disk or optical disk and other media that can store program codes .
需要说明的是，对于前述的各方法实施例，为了简便描述，故将其都表述为一系列的动作组合，但是本领域技术人员应该知悉，本发明并不受所描述的动作顺序的限制，因为依据本发明，某些步骤可以采用其它顺序或者同时进行。其次，本领域技术人员也应该知悉，说明书中所描述的实施例均属于优选实施例，所涉及的动作和模块并不一定都是本发明所必须的。It should be noted that, for the convenience of description, the foregoing method embodiments are all expressed as a series of action combinations, but those skilled in the art should know that the present invention is not limited by the described action sequence. As in accordance with the present invention, certain steps may be performed in other orders or simultaneously. Secondly, those skilled in the art should also know that the embodiments described in the specification are all preferred embodiments, and the actions and modules involved are not necessarily all necessary to the present invention.
在上述实施例中，对各个实施例的描述都各有侧重，某个实施例中没有详述的部分，可以参见其它实施例的相关描述。In the above-mentioned embodiments, the description of each embodiment has its own emphasis. For parts that are not described in detail in a certain embodiment, reference may be made to the relevant descriptions of other embodiments.
以上为对本发明所提供的一种资产证券产品的预警方法、装置、电子设备及存储介质的描述，对于本领域的技术人员，依据本发明实施例的思想，在具体实施方式及应用范围上均会有改变之处，综上，本说明书内容不应理解为对本发明的限制。The above is a description of an early warning method, device, electronic device and storage medium for an asset securities product provided by the present invention. For those skilled in the art, according to the ideas of the embodiments of the present invention, the specific implementation and application scope are all There will be changes. In conclusion, the contents of this specification should not be construed as limiting the present invention.

Claims (10)

  1. 一种资产证券产品的预警方法，其特征在于，所述方法包括：An early warning method for asset securities products, characterized in that the method comprises:
    当检测到新的贷款信息时，将所述贷款信息按照预设的资产管理合约生成对应的资产区块；When new loan information is detected, generate the corresponding asset block according to the loan information according to the preset asset management contract;
    根据符合预设的收益规则的所述资产区块确定基础资产池内的目标资产证券产品，其中，所述基础资产池包含多个不同的所述目标资产证券产品；Determine the target asset securities products in the base asset pool according to the asset blocks that meet the preset income rules, wherein the base asset pool includes a plurality of different target asset securities products;
    根据所述收益规则及获取的多个所述目标资产证券产品的实际收益数据分别评估对应的目标证券风险；According to the income rules and the obtained actual income data of the target asset securities products, respectively evaluate the corresponding target securities risks;
    根据所述目标证券风险生成对应的目标预警信号，以控制发出警示。A corresponding target early warning signal is generated according to the target security risk, so as to control the issuing of a warning.
  2. 根据权利要求1所述的资产证券产品的预警方法，其特征在于，所述当检测到新的贷款信息时，将所述贷款信息按照预设的资产管理合约生成对应的资产区块的步骤之前包括：The early warning method for asset securities products according to claim 1, wherein when new loan information is detected, before the step of generating the corresponding asset block from the loan information according to a preset asset management contract include:
    间隔单位时间，查阅资产证券平台的贷款信息记录表；Check the loan information record sheet of the asset securities platform every unit time;
    提取所述贷款信息记录表所有的贷款信息记录，所述贷款信息记录表包含至少一个贷款信息记录；extracting all loan information records in the loan information record table, the loan information record table including at least one loan information record;
    当所述贷款信息记录的申请时间与所述单位时间相匹配时，则判定存在新的所述贷款信息，其中，所述贷款信息记录包含所述申请时间。When the application time of the loan information record matches the unit time, it is determined that there is new loan information, wherein the loan information record includes the application time.
  3. 根据权利要求1所述的资产证券产品的预警方法，其特征在于，所述当检测到新的贷款信息时，将所述贷款信息按照预设的资产管理合约生成对应的资产区块的步骤包括：The early warning method for asset securities products according to claim 1, wherein when new loan information is detected, the step of generating the corresponding asset block from the loan information according to a preset asset management contract includes the following steps: :
    当检测到新的贷款信息时，请求记录所述贷款信息；When new loan information is detected, request to record the loan information;
    当请求记录响应后，将所述贷款信息进行链上加密，得到加密后的贷款信息；After the request records the response, encrypting the loan information on the chain to obtain the encrypted loan information;
    将所述加密后的贷款信息按照所述预设的资产管理合约生成对应的所述资产区块。Generate the corresponding asset block from the encrypted loan information according to the preset asset management contract.
  4. 根据权利要求3所述的资产证券产品的预警方法，其特征在于，所述将所述加密后的贷款信息按照所述预设的资产管理合约生成对应的所述资产区块的步骤包括：The early warning method for asset securities products according to claim 3, wherein the step of generating the corresponding asset block from the encrypted loan information according to the preset asset management contract comprises:
    提取所述加密后的贷款信息的交易信息；extracting the transaction information of the encrypted loan information;
    根据所述交易信息判定所述加密后的贷款信息是否有效；Determine whether the encrypted loan information is valid according to the transaction information;
    当所述加密后的贷款信息有效时，按照所述预设的资产管理合约生成区块链上对应的所述资产区块。When the encrypted loan information is valid, the corresponding asset block on the blockchain is generated according to the preset asset management contract.
  5. 根据权利要求1所述的资产证券产品的预警方法，其特征在于，所述根据符合预设的收益规则的所述资产区块确定基础资产池内的目标资产证券产品的步骤包括：The early warning method for asset securities products according to claim 1, wherein the step of determining the target asset securities products in the basic asset pool according to the asset blocks that meet the preset income rules comprises:
    提取所述资产区块的预回报信息；Extract the pre-reward information of the asset block;
    根据所述预设的收益规则对所述预回报信息与进行筛选，得到符合所述预设的收益规则对应的资产区块；Screening the pre-return information and according to the preset income rules to obtain asset blocks corresponding to the preset income rules;
    利用符合所述收益规则对应的资产区块组建基础资产池；Use the asset blocks corresponding to the income rules to form a basic asset pool;
    根据所述基础资产池内的所述资产区块确定对应的所述目标资产证券产品。The corresponding target asset securities product is determined according to the asset block in the basic asset pool.
  6. 根据权利要求1所述的资产证券产品的预警方法，其特征在于，所述根据所述收益规则及获取的多个所述目标资产证券产品的实际收益数据分别评估对应的目标证券风险的步骤包括：The early warning method for asset securities products according to claim 1, wherein the step of respectively evaluating the corresponding target securities risks according to the income rules and the obtained actual income data of the target asset securities products comprises the following steps: :
    分别查询多个所述目标资产证券产品对应的实际收益数据；respectively query the actual income data corresponding to a plurality of the target asset securities products;
    分别将多个所述实际收益数据与所述收益规则的收益阈值对比，其中，所述收益规则包括所述收益阈值；respectively comparing a plurality of the actual income data with the income threshold of the income rule, wherein the income rule includes the income threshold;
    若所述实际收益数据大于或等于所述收益阈值，则评估所述目标资产证券产品对应的目标证券风险为低风险；If the actual income data is greater than or equal to the income threshold, evaluating the target security risk corresponding to the target asset security product as low risk;
    若所述实际收益数据小于所述收益阈值，则评估所述目标资产证券产品对应的目标证券风险为高风险。If the actual income data is less than the income threshold, the target security risk corresponding to the target asset security product is evaluated as high risk.
  7. 根据权利要求1所述的资产证券产品的预警方法，其特征在于，所述根据所述收益规则及获取的多个所述目标资产证券产品的实际收益数据分别评估对应的目标证券风险的步骤之后还包括：The early warning method for asset securities products according to claim 1, characterized in that, after the step of respectively evaluating the corresponding target securities risks according to the income rules and the acquired actual income data of the target asset securities products Also includes:
    利用所述贷款信息、所述目标资产证券产品及所述目标证券风险建立资产证券数据表，以供用户查询。An asset securities data table is established by using the loan information, the target asset securities product and the target securities risk for the user to query.
  8. 一种资产证券产品的预警装置，其特征在于，所述装置包括：An early warning device for asset securities products, characterized in that the device includes:
    资产生成模块，用于当检测到新的贷款信息时，将所述贷款信息按照预设的资产管理合约生成对应的资产区块；an asset generation module, configured to generate a corresponding asset block from the loan information according to a preset asset management contract when new loan information is detected;
    产品确定模块，用于根据符合预设的收益规则的所述资产区块确定基础资产池内的目标资产证券产品，其中，所述基础资产池包含多个不同的所述目标资产证券产品；a product determination module, configured to determine a target asset securities product in a basic asset pool according to the asset block that complies with a preset income rule, wherein the basic asset pool includes a plurality of different target asset securities products;
    风险评估模块，用于根据所述收益规则及获取的多个所述目标资产证券产品的实际收益数据分别评估对应的目标证券风险；a risk assessment module, configured to respectively assess the corresponding target securities risks according to the income rules and the obtained actual income data of the target asset securities products;
    预警生成模块，用于根据所述目标证券风险生成对应的目标预警信号，以控制发出警示。An early warning generating module is used to generate a corresponding target early warning signal according to the risk of the target securities, so as to control the issuing of warnings.
  9. 一种电子设备，包括：存储器、处理器及通信总线，所述通信总线分别与所述存储器及所述处理器通信连接，所述存储器与所述处理器耦合，其特征在于，所述存储器上存储有计算机程序，所述处理器执行所述计算机程序时，实现权利要求1至7任意一项所述的资产证券产品的预警方法中的各个步骤。An electronic device, comprising: a memory, a processor and a communication bus, the communication bus is respectively communicatively connected to the memory and the processor, the memory is coupled to the processor, and characterized in that the memory is on the A computer program is stored, and when the processor executes the computer program, each step in the early warning method for an asset securities product according to any one of claims 1 to 7 is implemented.
  10. 一种存储介质，所述存储介质为计算机可读存储介质，其特征在于，所述计算机可读存储介质上存储有计算机程序，所述计算机程序被处理器执行时，实现如权利要求1至7任意一项所述的资产证券产品的预警方法中的各个步骤。A storage medium, wherein the storage medium is a computer-readable storage medium, characterized in that, a computer program is stored on the computer-readable storage medium, and when the computer program is executed by a processor, the computer program as claimed in claims 1 to 7 is implemented. Each step in the early warning method of any one of the asset securities products.
PCT/CN2020/110551 2020-08-21 2020-08-21 Warning method and apparatus for asset security product, electronic device, and storage medium WO2022036702A1 (en)

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