The application discloses a kind of
time difference risk hedging method and device of insurance fund custody, it is related to financial
risk control technical field, the method includes: creating virtual sub-account for each user and being bound with corresponding policy account one by one to realize fund physical isolation;When consumption incentive enters the custody special account, it is frozen to corresponding virtual sub-account by calling
bank freezing interface and generates directional
payment instruction;When daily business ends, generate custody fund
flow sheet snapshot, before batch deduction of insurance company next day, pre-reconciliation is carried out to custody fund
flow sheet snapshot and to-be-deducted
list, and according to result, unfreezing transfer or difference
processing is executed;Risk reserve
pool is established simultaneously, when unilateral account is abnormal, first pay, complete account adjustment to realize error
recovery after finding out reason and clearing up.The application realizes fund physical isolation by virtual sub-account binding and fund freezing directional transfer, effectively hedges the supervision and operation risk caused by fund
circulation time difference, and improves the stability of fund custody.