Financial product recommendation method and device, computer equipment and storage medium

A technology for financial products and recommendation methods, applied in the financial field, can solve the problems of low accuracy of risk judgment results of evaluation results, and the accuracy of automatic recommendation of financial products needs to be improved, so as to achieve the effect of improving accuracy.

Pending Publication Date: 2022-03-01
INDUSTRIAL AND COMMERCIAL BANK OF CHINA
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Problems solved by technology

[0004] However, this judgment standard only considers the current financial information of the customer, such as the assets currently owned by the customer, the liabilities of the customer, etc., which makes the evaluation result of the customer relatively one-sided and the accuracy of the r

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  • Financial product recommendation method and device, computer equipment and storage medium
  • Financial product recommendation method and device, computer equipment and storage medium
  • Financial product recommendation method and device, computer equipment and storage medium

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Embodiment Construction

[0038] In order to make the purpose, technical solution and advantages of the present application clearer, the present application will be further described in detail below in conjunction with the accompanying drawings and embodiments. It should be understood that the specific embodiments described here are only used to explain the present application, and are not intended to limit the present application.

[0039] At present, when recommending financial products for customers, they often only judge the risk level of customers based on financial information such as the customer's income and liabilities, and then recommend corresponding financial products to customers based on the above risk level. It can be seen that there is still a relatively single evaluation of customers at present, which leads to the problem of low accuracy of financial products recommended by customers.

[0040] Based on this, this application provides a financial product recommendation method, which can...

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Abstract

The invention relates to a financial product recommendation method and device, computer equipment, a storage medium and a computer program product, which can be used in the financial field, in the aspect of financial product recommendation, and can also be used in any field except the financial field. The method comprises the following steps: acquiring financial related information and manpower related information of a target customer; the manpower-related information comprises the industry type of the target customer; determining the risk bearing level of the target customer according to the financial related information, and determining a plurality of candidate financial products according to the financial products matched with the risk bearing level; and filtering the plurality of candidate financial products according to the industry type to obtain a recommended financial product of the target customer. By adopting the method, financial related information and manpower related information of the customer can be comprehensively considered, and the customer is comprehensively evaluated, so that financial products can be recommended to the customer based on an accurate customer evaluation result. And the accuracy of financial product automatic recommendation is improved.

Description

technical field [0001] The present application relates to the financial field, in particular to a financial product recommendation method, device, computer equipment and storage medium. Background technique [0002] With the increase of financial product loss cases, judging the risk level of customers and recommending suitable financial products to customers has become an important task of the bank's financial product purchase system. [0003] At present, in the financial product purchase system, information such as the income, liabilities, and losses that the customer is willing to bear is often obtained through questionnaire surveys, and the risk level of the customer is judged based on the above customer information, and then the financial products that the customer can purchase are determined based on the above risk level. product. [0004] However, this judgment standard only considers the current financial information of the customer, such as the assets currently owne...

Claims

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Application Information

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IPC IPC(8): G06Q40/04G06Q30/06G06F16/9535
CPCG06Q40/04G06Q30/0631G06F16/9535
Inventor 柳青胡凯乐李炯
Owner INDUSTRIAL AND COMMERCIAL BANK OF CHINA
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