Method and device for estimating value of fixed stock product
A stock and valuation technology, applied in the field of big data, can solve problems such as increasing bank credit risk, low accuracy of stock collateral valuation, and no detailed stock valuation model, so as to improve the timeliness and accuracy of valuation The effect of accuracy and accuracy of pledged stock information
Pending Publication Date: 2021-06-22
CHINA CONSTRUCTION BANK
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[0004] The embodiment of the present invention provides a stock collateral valuation method, which is used to solve the technical problem that there is no detailed stock valuation model in the prior art, resulting in low accuracy of stock collateral valuation and increasing bank credit risk , the method includes:
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[0024] 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.
[0025] Based on the fact that there is no detailed stock valuation model in the prior art, resulting in low accuracy of stock collateral valuation and increasing bank credit risk, the present invention proposes a stock collateral valuation method, such as figure 1 As shown, the method includes:
[0026] Step 102: Obtain the daily number of pledged shares;
[0027] Step 104: Obtain the closing price of the pledged stock;
[0028] Step 106: Based on the stock valuation model, determine the stock value according to the number of pledged stocks per day, the closing pric...
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The invention discloses a method and a device for estimating a value of a fixed stock product, and relates to data analysis and mining in the field of big data. The method comprises the steps: obtaining the number of fixed stocks every day; obtaining the closing price of the pledged stock; and based on a stock valuation model, determining a stock value according to the number of the mortgage stocks every day, the closing price of the mortgage stocks and the stock service deadline, and taking the stock value as a stock mortgage confirmation value. In view of increasing stock pledge and ceaselessly changing the stock value every day in the current bank loan mode, the method obtains the stock value based on the stock valuation model through obtaining the daily stock information, can ensure that the pledge stock information is accurate, timely masters the stock pledge value, improves the valuation timeliness and accuracy, and improves the loan efficiency. And stock pledge is staring at the market day by day.
Description
technical field [0001] The invention relates to the technical field of data analysis and mining in the field of big data, in particular to a stock collateral valuation method and device. Background technique [0002] This section is intended to provide a background or context to embodiments of the invention that are recited in the claims. The descriptions herein are not admitted to be prior art by inclusion in this section. [0003] Collateral is an important tool for mitigating bank credit risk. It refers to the property or right that the debtor or a third party mortgages or pledges to the bank for the purpose of mitigating credit risk. As a kind of financial collateral, stocks have a high degree of marketization and frequent fluctuations in value, which put forward high requirements for banks' valuation management capabilities. The existing collateral management does not refine the stock valuation model, resulting in low accuracy of stock collateral valuation and increas...
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IPC IPC(8): G06Q40/04G06Q40/02
CPCG06Q40/04G06Q40/03
Inventor 邱诚黄冬梅温锴明
Owner CHINA CONSTRUCTION BANK