Structural deposit product management method, system and medium

Abstract

The invention relates to a structural deposit product management scheme. The method comprises the following steps that in a product creation stage, a product issuing process is created according to transaction information input by a client; a product is established through handling and rechecking of the product; in a transaction maintenance stage, a contract template is pre-created and maintained according to various contract styles of a product to be issued; the configured approval process for an approval sheet generated is executed according to the investment portfolio which is submitted by the client and needs to be approved; a transaction by using the contract template is generated according to transaction data from each transaction data source; the risk of the transaction is determined according to the transaction elements maintained in the approval list; in the duration management stage, for the transaction from the transaction management module, a transaction estimated value and a risk value are calculated according to the market performance of the bid winning of the transaction; the transaction object is priced, pricing is applied to the transaction one by one, and the final yield of the transaction is calculated on the earning observation day by calculating the characteristic result in each observation date.

Description

technical field [0001] The present disclosure relates to the field of bank fund management, and more specifically, relates to a management method, system and medium for structured deposit products of banks. Background technique [0002] With the vigorous development of the financial industry, more and more banks have begun to issue various types of products, among which financial derivatives are undoubtedly the most concerned products. Financial derivatives are financial products based on or derived from basic financial products (such as currency, exchange rate, interest rate, stock index, etc.), and they are also financial products that are derived from traditional financial products and used as trading objects. [0003] A typical financial derivative is a structured deposit. Structured deposits refer to investors depositing legally held RMB or foreign currency funds in banks, and banks embed financial derivatives (including but not limited to forwards, swaps, options or f...

AI Technical Summary

Problems solved by technology

[0005] Due to the diversity, flexibility and complexity of financial derivatives, the design and launch of each financial derivative requires a high cost

However, the lack of intelligence in product design of the existing fund management methods and systems makes the financial derivative products among banks monotonous and homogeneous. This homogeneity will to a certain extent lead to resource allocated waste

Moreover, existing fund management methods and systems cannot provide unified and systematic management covering the entire process for long-term and complex derivatives such as structured deposits

In addition, the uncertainty of the final income of financial derivatives is also very large. Therefore, there are certain difficulties in risk management and control, and a multi-dimensional management plan needs to be provided.

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