Traceable financial market transaction guarantee management method and device, equipment and medium

Abstract

The invention provides a traceable financial market transaction guarantee management method and device, equipment and a medium. The method comprises the following steps: establishing at least one credit voucher of a target customer, and establishing at least one pledge voucher of the target customer; when the target customer initiates a financial transaction, according to the transaction amount of the financial transaction, occupying the available balance of a part of the credit voucher, the available balance of a part of the pledge voucher and the available balance of a part of the deposit account of the target customer; and when it is determined that the transaction amount in the duration is changed, releasing a preset amount of occupied available balance according to the change amount of the transaction amount. According to the method, the proportion of different types of guarantee occupied by each transaction can be flexibly adjusted, real-time release of the guarantee after each transaction is finished is supported, bank risks can be reduced, flexible occupation and release of customer funds are realized, and customer marketing by branch banks is facilitated.

Description

technical field [0001] The present application relates to the technical field of financial transactions. Specifically, the present application relates to a traceable financial market transaction guarantee management method, device, equipment and medium. Background technique [0002] Banks initiate foreign exchange and derivatives, precious metals, bulk commodities and other transactions on behalf of corporate customers. In order to reduce the risk of customer default, they need to use credit, margin, collateral, etc. as guarantees. The existing system defines the concept of guarantee group, which pre-occupies various guarantees and kneads them into an overall quota. When the bank initiates a transaction on behalf of the client, it will guarantee the transaction according to the amount of the transaction from the guarantee group. After the transaction is completed, the occupied quota will be released back to the guarantee group. [0003] However, using the total amount of t...

AI Technical Summary

Problems solved by technology

[0003] However, using the total amount of the guarantee group for transactions, the specific occupation of each guarantee is unknown, and the proportion of each guarantee for each transaction is unknown

Release the occupation of the guarantee group after a certain transaction expires, but if the guarantee group is still occupied by other transactions, the occupation of each guarantee by the guarantee group cannot be released

The pre-occupation of various guarantees by the guarantee group facilitates the branch to issue transactions on behalf of corporate customers, but for customers, the bank's freezing of their assets is far greater than the transaction demand, which is not friendly and inflexible to customers

Images