Fund borrowing and lending matching method and device

A matching method and fund technology, applied in the field of fund lending, can solve the problem of high cost of funds, achieve the effect of solving high cost of funds, reducing errors, and reducing the cost of fundraising

Pending Publication Date: 2019-11-26
微沄有限公司
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  • Summary
  • Abstract
  • Description
  • Claims
  • Application Information

AI Technical Summary

Problems solved by technology

[0003] A fund loan matching method provided by the present invention aims to solve the disadvantage of high capital cost in the prior art

Method used

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  • Fund borrowing and lending matching method and device
  • Fund borrowing and lending matching method and device
  • Fund borrowing and lending matching method and device

Examples

Experimental program
Comparison scheme
Effect test

Embodiment 1

[0052] like figure 1 As shown, a fund loan matching method, the steps include:

[0053] S100 obtains historical fund data and uses ARIMA model to predict future fund data;

[0054] S110 obtains the fundraising data and uses the XGBOOST model to predict the interest rate data according to the fundraising data;

[0055] S120 acquiring and monitoring available fund data;

[0056] S130 Match the loan relationship according to the future fund data, the predicted interest rate data and the available fund data.

[0057]In the above steps, the ARIMA model is used to predict future capital data, and the XGBOOST model is used to predict interest rate data. By using the model for prediction, the error can be effectively reduced and the accuracy can be improved. Monitoring the data of available funds can realize the purpose of timely adjusting the matching strategy and correcting the forecast model. By adjusting the matching strategy in time, assets with higher interest rates can be ma...

Embodiment 2

[0059] like figure 2 As shown, a fund loan matching method, the steps include:

[0060] S200 obtains historical daily renewal data, and uses the ARIMA model to output future total renewal amount data;

[0061] S210 obtains historical daily new amount data, and uses the ARIMA model to output future new amount data;

[0062] S220 generating future fund data according to the future total loan renewal amount data and the future additional amount data;

[0063] S230 obtains the fundraising data and uses the XGBOOST model to predict the interest rate data according to the fundraising data;

[0064] S240 acquires and monitors available fund data;

[0065] S250 matches the loan relationship according to the future fund data, the predicted interest rate data and the available fund data.

[0066] In the above steps, the ARIMA model is used to predict the future fund data. For example, ARIMA(6,1,3) is selected for the renewal model, and ARIMA(3,1,2) is selected for the new model. T...

Embodiment 3

[0069] like image 3 As shown, a fund loan matching method, the steps include:

[0070] S300 obtains historical fund data and uses ARIMA model to predict future fund data;

[0071] S310 obtains the data of raising ability and raising demand of various commodities of various periods in history, and uses the ARIMA model to output the data of raising ability and raising demand of various commodities of various periods in the future;

[0072] S320 obtains the reserve fund data of various commodities with various periods in history, and uses the ARIMA model to output the reserve fund data of various commodities with various periods in the future;

[0073] S330 generates fund raising data according to the data of raising capacity and raising demand of various commodities in various periods in the future and the reserve fund data of various commodities in various periods in the future;

[0074] S340 uses the XGBOOST model to predict interest rate data based on the generated fundrai...

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Abstract

The invention discloses a fund borrowing and lending matching method, which comprises the steps of obtaining historical fund data, and predicting future fund data by utilizing an ARIMA model; acquiring collection fund data, and predicting interest rate data by using an XGBOOST model according to the collection fund data; acquiring and monitoring available fund data; and matching a loan relationship according to the future fund data, the predicted interest rate data and the available fund data. According to the method, future fund data and interest rate data are predicted by using a model. Error can be effectively reduced, accuracy is improved. By monitoring available fund data, the purposes of timely adjusting the matching strategy and correcting the prediction model can be achieved. Assets with high interest rates are matched with funds with low interest rates by timely adjusting the matching strategy, the utilization rate of available funds is increased, and the collection cost is reduced by timely correcting the prediction model and adjusting the interest rate data, so that the fund cost is reduced.

Description

technical field [0001] The present invention relates to the field of fund lending, in particular to a fund lending matching method and device. Background technique [0002] Driven by the trend of technological automation and intelligence, refined operation has become the mainstream operation method. As for the capital side, the pricing of funds and the matching of funds and assets require refined operations. Through artificial and moderate adjustments, the automation of the entire fund from raising to matching is realized. And after the P2P thunderstorm, it is more important to control the financial pressure for the prediction of future financial assets. Therefore, the Ultrain project came into being. The Ultrain project intends to build an intelligent matching engine, which can automatically complete all links from forecasting to final matching. Contents of the invention [0003] The invention provides a fund loan matching method, which aims to solve the disadvantage of...

Claims

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Application Information

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Patent Type & Authority Applications(China)
IPC IPC(8): G06Q40/02G06Q10/04
CPCG06Q10/04G06Q40/03
Inventor 金鑫杨瑞萍尹璐王肖丹刘洋陈凯陈烨桦单黄勇丁海盈胡煜刘冲马腾牛晓静宋腾孙梦婷王亚辉邢兵杨彬颜林芝岳佳欣张楚张金广
Owner 微沄有限公司
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