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Bill business risk metering method, apparatus and device, and readable storage medium

A measurement method and bill technology, applied in the field of bill management, can solve problems such as differences in the measurement of risk assets of general credit assets, high risk assets, and low capital use efficiency, and achieve the effect of prompting capital use efficiency and reducing risk assets.

Pending Publication Date: 2022-03-22
CHINA CITIC BANK
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  • Summary
  • Abstract
  • Description
  • Claims
  • Application Information

AI Technical Summary

Problems solved by technology

[0002] Due to the particularity of the bill business, the rules for calculating the risk assets of the bill business through the commercial banks' own capital management system are generally more complicated, and there are differences from the measurement of risk assets of general credit assets
If risk assets are measured in a prudent manner, there will be problems of excessive risk assets and low capital utilization efficiency, which will affect the development of banking business

Method used

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  • Bill business risk metering method, apparatus and device, and readable storage medium
  • Bill business risk metering method, apparatus and device, and readable storage medium
  • Bill business risk metering method, apparatus and device, and readable storage medium

Examples

Experimental program
Comparison scheme
Effect test

Embodiment 1

[0041] This embodiment provides a bill business risk measurement method.

[0042] Referring to 1, the figure shows that the method includes step S100, step S200, step S300 and step S400:

[0043] S100. Obtain first information, the first information includes information about each note and business type information about each note, and the information about each note includes information about the acceptor corresponding to each note The note type corresponding to each note, the business type information includes note direct discount business and note asset management business;

[0044] It can be understood that this step is to obtain the most basic data information, which not only includes the above information but also includes the type of the bill known to those skilled in the art, that is, whether it is a commercial draft or a bank draft, and information about the acceptor of the bill As well as the original acceptor of the note, this application will not repeat them.

[...

Embodiment 2

[0102] like figure 2 As shown, this embodiment provides a bill business risk measurement device, see Figure 2 to Figure 9 The device includes a first information acquisition module 1, an attribute judgment module 2, a bill direct posting module 3 and a bill asset management module 4:

[0103] The first information obtaining module 1 is used to obtain the first information, the first information includes the relevant information of each note and the business type information of each said note, and the relevant information of each said note includes each of said The acceptor information corresponding to the bill and the bill type corresponding to each said bill, and the business type information includes bill direct posting business and bill asset management business;

[0104] An attribute judgment module 2, configured to establish a mathematical model for judging an acceptor's attribute according to the first information, and solve the mathematical model for judging the acce...

Embodiment 3

[0137] Figure 10 It is a block diagram of a bill business risk measurement device 800 according to an exemplary embodiment. like Figure 10 As shown, the note business risk measurement 800 may include: a processor 801 and a memory 802 . The instrument business risk measurement 800 may also include one or more of a multimedia component 803 , an input / output (I / O) interface 804 , and a communication component 805 .

[0138] Wherein, the processor 801 is used to control the overall operation of the bill business risk measurement 800, so as to complete all or part of the steps in the above bill business risk measurement method. The memory 802 is used to store various types of data to support the operation of the note business risk measurement device 800, such data may include instructions for any application or method operating on the note business risk measurement device 800, and Application-related data, such as contact data, sent and received messages, pictures, audio, vide...

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PUM

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Abstract

The invention relates to a bill business risk metering method, device and equipment and a readable storage medium, and belongs to the technical field of bill management. Comprising the steps that first information is obtained, the first information comprises relevant information of each bill and business type information of each bill, an acceptor attribute judgment mathematical model is established according to the first information, and attribute information of an acceptor corresponding to each bill is obtained; and if the business type information is the bill information management business, establishing a bill information management mathematical model according to the first information and the second information, and solving to obtain the virtual slow release corresponding to the bill under each bill type. And finally, the possibility of bill metering is brought through virtual slow-release information, and compared with existing bill metering, the bill metering method can reduce bill business risk assets and prompt capital use efficiency at the same time.

Description

technical field [0001] The present invention relates to the technical field of bill management, in particular to a bill business risk measurement method, device, equipment and a readable storage medium. Background technique [0002] Due to the particularity of the bill business, the rules for calculating the risk assets of the bill business through the commercial banks' own capital management system are generally more complicated, and there are differences from the measurement of risk assets of general credit assets. If risk assets are measured in a prudent manner, there will be problems of excessive risk assets and low capital utilization efficiency, which will affect the development of banking business. Contents of the invention [0003] The object of the present invention is to provide a bill business risk measurement method, device, equipment and readable storage medium to improve the above problems. In order to achieve the above object, the technical scheme that the ...

Claims

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Application Information

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Patent Type & Authority Applications(China)
IPC IPC(8): G06Q10/06G06Q40/02
CPCG06Q10/06393G06Q40/03
Inventor 杨文勇孙若鹏李克曹杨杨墨陈寅生李明辉张悦王文剑魏晓燕
Owner CHINA CITIC BANK