Product information pushing method, electronic equipment and storage medium
A product information and product technology, applied in the field of data processing, can solve the problems of blind purchase of wealth management products, blindness in choosing to buy wealth management products, and inability to scientifically and effectively recommend wealth management products to new users, and achieve the effect of improving scientificity.
Pending Publication Date: 2020-05-26
BANK OF CHINA
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The invention discloses a product information pushing method, and particularly discloses a method that includes acquiring identification information of a user, and querying a flowing asset amount, a long-term asset amount, a debt amount, an income amount and an expenditure amount of the user in a data system where the user is located according to the identification information; and calculating financial index information of the user according to the inquired flow asset amount, the inquired long-term asset amount, the inquired debt amount and the inquired income amount; calculating a risk preference value of the user according to the financial index information, and searching a risk type of the user in a corresponding relationship between the risk preference value and a preset risk type byutilizing the risk preference value; calculating the investable amount of the user according to the amount of the mobile assets and the expenditure amount; querying product information of a target product in a product library according to the investable amount and the risk type of the user; and pushing the product information to the user. According to the invention, scientific guidance is providedfor a new user when the new user purchases a product.
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