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Capital liquidity processing method and device

A liquidity and capital technology, applied in data processing applications, finance, resources, etc., can solve problems such as inconsistent liquidation cycles, high management costs, and low intelligence in capital liquidity management, and achieve the effect of early response

Inactive Publication Date: 2018-12-18
ADVANCED NEW TECH CO LTD
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  • Summary
  • Abstract
  • Description
  • Claims
  • Application Information

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Problems solved by technology

[0003] Due to the large number of Internet audiences, rich sources of transaction accounts (bank accounts, other bank accounts, third-party payment accounts), inconsistent liquidation cycles of participating institutions, and diversification of bottom-level transaction channels of banks, there is intelligent capital liquidity management in the existing technology. Low level, high management cost, lack of flexibility and effective use of funds

Method used

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  • Capital liquidity processing method and device
  • Capital liquidity processing method and device
  • Capital liquidity processing method and device

Examples

Experimental program
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Effect test

Embodiment 1

[0039] In the first aspect, the embodiment of this specification provides a method for processing capital liquidity, please refer to figure 2 , the method includes steps S101-S104.

[0040] S101: Obtain a user influence factor, where the user influence factor represents the user influence degree of the fund flow.

[0041] In an optional implementation manner, the obtaining the user impact factor includes: obtaining the current total number of relevant users M 1 ; Get the total number of related users M 2 ; According to the total number of current related users M 1 and the total number of associated users M 2 , to obtain the user impact factor.

[0042] By calculating the total number of current related users M 1 with the total number of all related users M 2 The ratio of the user's different influence factors can be obtained. According to different influence factors, models with their own characteristics can be established. Combined with the attached image 3 , 4 , bu...

Embodiment 2

[0060] The embodiment of this specification provides an example of a method for processing capital liquidity, please refer to Figure 5 , specifically: the current time is October 28, the liquidity forecasting component obtains the upcoming Double 11 promotion events through the impact factor model learning component, and obtains the data of the previous year’s Double 11 promotion model, while the position monitoring component It is monitored that the large position is 2 billion, and the deep settlement position is 500 million. The liquidity prediction component obtains the total number of current enterprise users is 200,000, and the multiple of the liquidity safety level is 2 times, calculated through relevant data and the above algorithm:

[0061] Liquidity fund preparation = 20w / 10w x (150 million - 50 million) x 24 hours x (November 11 - November 1) (number of days) = 24 billion;

[0062] Automatically allocated to a large amount of funds = 24 billion × 2 × 70% - 2 billio...

Embodiment 3

[0066] In the second aspect, based on the same inventive concept, the embodiment of this specification provides a fund liquidity processing device, please refer to Image 6 ,include:

[0067] The influence factor obtaining unit 11 is used to obtain the user influence factor, and the user influence factor represents the user influence degree of the capital flow;

[0068] The average flow difference of funds obtaining unit 12 is used to obtain the average flow difference of funds in the target account, and the average flow difference represents the average inflow or outflow value of the funds in the target account;

[0069] An influence period obtaining unit 13, configured to obtain an influence period in a predetermined event, the influence period representing the influence time period of the predetermined event on the capital flow;

[0070] The liquidity fund preparation obtaining unit 14 is configured to obtain the liquidity fund preparation in the target account according t...

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Abstract

An embodiment of the specification provides a capital liquidity processing method and device, wherein a user impact factor correlation model is established by obtaining an impact factor of a user; theaverage liquidity margin of the funds in the target account and the impact period in the predetermined event are obtained to determine the liquidity reserve in the target account. Embodiments of thespecification can provide users with more accurate data for liquidity prediction, and can deal with liquidity risk problems in advance.

Description

technical field [0001] The embodiments of this specification relate to the technical field of fund management equipment, and in particular, to a method and device for processing fund liquidity. Background technique [0002] Fund distribution by banks is a relatively common fund sales model. Especially after the rise of Internet finance, the number and scale of funds sold by many banks are increasing. For example, Yu Libao, which cooperates with MYbank and Tianhong Fund. [0003] Due to the large number of Internet audiences, rich sources of transaction accounts (bank accounts, other bank accounts, third-party payment accounts), inconsistent liquidation cycles of participating institutions, and diversification of bottom-level transaction channels of banks, there is intelligent capital liquidity management in the existing technology. Low level, high management cost, and lack of flexibility and efficiency of capital utilization. Contents of the invention [0004] The embodim...

Claims

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Application Information

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Patent Type & Authority Applications(China)
IPC IPC(8): G06Q40/06G06Q10/06
CPCG06Q40/06G06Q10/0635
Inventor 辛克亮
Owner ADVANCED NEW TECH CO LTD
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