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Bank financial product data processing method and device

A data processing and product technology, applied in the field of data processing, can solve the problems of time-consuming, inability to complete the net value management of asset management products, and low management efficiency of wealth management products.

Pending Publication Date: 2020-10-20
INDUSTRIAL AND COMMERCIAL BANK OF CHINA
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Problems solved by technology

[0003] At present, the business organization of small and medium-sized banks is not perfect, and they cannot complete the net value management of asset management products by themselves, so they have entrusted outsourcing valuation agencies to realize the net value management of wealth management products, resulting in the management of wealth management products relying on outsourced valuation agencies and professional appraisers
When evaluating the operation of wealth management products, it is necessary to manually check the account balance from the custodian agency and obtain report data from an outsourced valuation agency, and then calculate the indicators. When there are many wealth management products and the scale is large, it will take time and effort. Inefficient management of wealth management products

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  • Bank financial product data processing method and device
  • Bank financial product data processing method and device
  • Bank financial product data processing method and device

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Embodiment Construction

[0025] In order to make the purpose, technical solutions and advantages of the embodiments of the present invention more clear, the embodiments of the present invention will be further described in detail below in conjunction with the accompanying drawings. Here, the exemplary embodiments and descriptions of the present invention are used to explain the present invention, but not to limit the present invention. It should be noted that, in the case of no conflict, the embodiments in the present application and the features in the embodiments can be combined arbitrarily with each other.

[0026] In order to facilitate the understanding of the technical solution provided by the present application, the relevant content of the technical solution of the present application will be described below first. The outlets of small and medium-sized banks are widely distributed, and the scale of wealth management products is large. However, due to the imperfect and unprofessional business i...

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Abstract

The invention provides a bank financial product data processing method and a device. The method comprises the steps of obtaining report data of a financial product from an outsourcing valuation server; calculating a first early warning index of the financial product according to the report data of the financial product; and obtaining a risk assessment result of the financial product according to the first early warning index of the financial product and the corresponding first threshold. The device is used for executing the method. According to the bank financial product data processing methodand the device provided by the embodiment of the invention, the risk assessment efficiency of the financial product is improved.

Description

technical field [0001] The invention relates to the technical field of data processing, in particular to a data processing method and device for bank wealth management products. Background technique [0002] With the promulgation of new asset management regulations, asset management products should implement net value management, which puts forward higher requirements for the professionalism and standardization of the background operation of asset management products. [0003] At present, the business organization of small and medium-sized banks is not perfect, and they cannot complete the net value management of asset management products themselves, so they have entrusted outsourcing valuation agencies to realize the net value management of wealth management products, resulting in the management of wealth management products relying on outsourced valuation agencies and professional appraisers. When evaluating the operation of wealth management products, it is necessary to ...

Claims

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Application Information

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Patent Type & Authority Applications(China)
IPC IPC(8): G06Q40/06G06Q40/04G06Q40/02
CPCG06Q40/06G06Q40/04G06Q40/02
Inventor 潘琰帅军炼罗进珮吴悠
Owner INDUSTRIAL AND COMMERCIAL BANK OF CHINA
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