Judictory risk identification method, equipment and medium

Abstract

The invention discloses a judicial risk identification method and device and a medium. The method comprises the following steps: determining a value object related to a target risk rule and a risk judgment rule; defining a business index corresponding to the value object and a risk index corresponding to the risk judgment rule; determining risk items corresponding to the plurality of target risk rules based on the risk indexes corresponding to the target risk rules at intervals of preset time; and generating a risk list of the plurality of target risk rules in a preset time based on the risk items. According to the method, the user can flexibly define the risk index rule by himself / herself, the risk index rule can be defined from different perspectives of industries, services, risk types and the like, the risk existing in each service field is identified based on the rule, and the service risk list is automatically formed.

Description

Technical Field

[0001] This application relates to the field of risk management, and particularly to a treasury risk identification method, device, and medium. Background Art

[0002] With the expansion of enterprise scale and the extension of business scope, the difficulty of internal enterprise management has also increased. To effectively manage the funds and financial resources of an enterprise, reduce risks, and improve efficiency, an enterprise needs to establish a perfect treasury risk management system. The business content of enterprise treasury involves a wide range, including account business, settlement business, bill business, financing business, etc. The types of risks related to treasury business are diverse, including fraud risk, compliance risk, liquidity risk, market risk, etc. To ensure the safety of funds and achieve the goal of full-process risk control without dead ends for all businesses, real-time monitoring and early warning of risks and regular monitoring and early warning have become necessary supports for the system.

[0003] Due to characteristics such as wide business coverage and many types of risks, there are relatively many business risks. In addition, for different customer industries, the risk points have the characteristics of difference and uncertainty, so that the system cannot solidify the risk rule logic, which poses a great challenge to the construction of the risk system. Summary of the Invention

[0004] To solve the above problems, this application proposes a treasury risk identification method, device, and medium. The method includes:

[0005] Determine the value-taking objects involved in the target risk rules and the risk judgment rules; receive the first indicator definition instruction from the user, and define the business indicators corresponding to the value-taking objects according to the first indicator definition instruction; receive the second indicator definition instruction from the user, and define the risk indicators corresponding to the risk judgment rules according to the second indicator definition instruction; at preset time intervals, determine the risk items corresponding to multiple target risk rules based on the risk indicators corresponding to the target risk rules; generate a risk list of multiple target risk rules within the preset time based on the risk items.

[0006] In an example, the defining of the business indicators corresponding to the value-taking objects according to the first indicator definition instruction specifically includes: determining the basic information of the business indicators and the business indicator formula included in the first indicator definition instruction; the business indicator formula is the data acquisition calculation formula of the business indicator; the basic information of the business indicators includes business indicator number, business indicator name, data type, precision, data description, and whether it is system-predefined; define the business indicators corresponding to the value-taking objects based on the basic information of the business indicators and the business indicator formula.

[0007] In one example, the instruction for defining the risk judgment rule according to the second indicator defines the risk indicator corresponding to the risk judgment rule, specifically including: determining the basic information of the risk indicator and the risk indicator rule included in the second indicator definition instruction; the basic information of the risk indicator includes the risk indicator number, risk indicator name, risk object, risk indicator description, and rule type; the risk indicator rule is a judgment rule related to the numerical value range of the business indicator involved; based on the basic information of the risk indicator and the risk indicator rule, the business indicator corresponding to the value object is defined.

[0008] In one example, a single risk rule involves one risk indicator and at least one business indicator, and each business indicator can act on multiple risk rules.

[0009] In one example, the numerical value range in the risk indicator rule is the risk judgment range; at intervals of a preset time, based on the risk indicator corresponding to the target risk rule, determining the risk items corresponding to multiple target risk rules specifically includes: determining the risk judgment range and the actual value corresponding to each corresponding business indicator in the target risk indicator; determining the target business indicators that satisfy the condition that the actual value falls within the risk judgment range; and using the target business indicators as the risk items corresponding to the multiple target risk rules.

[0010] In one example, after using the target business indicator as the risk item corresponding to the multiple target risk rules, the method further includes: determining the actual difference between the actual value of the target business indicator corresponding to each risk item and the extreme value of the risk numerical range; if the actual difference is higher than the preset threshold, setting the target business indicator as a business indicator of concern; and determining the risk assessment value corresponding to the risk item according to the ratio between the actual difference and the extreme value of the risk numerical range.

[0011] In one example, generating a risk list of multiple target risk rules within the preset time based on the risk items specifically includes: determining the basic information of the business indicator, the basic information of the risk indicator, and the risk assessment value corresponding to the risk item; and generating a risk list of the multiple target risk rules within the preset time according to the basic information of the business indicator, the basic information of the risk indicator, and the risk assessment value.

[0012] In one example, the value range in the risk indicator rule is the warning judgment range; before using the target business indicator as the risk item corresponding to the multiple target risk rules, the method further includes: determining the warning judgment range and the actual value corresponding to each corresponding business indicator in the target risk indicator; determining the warning business indicators that meet the condition that the actual value falls within the warning judgment range; using the warning business indicators as the warning items corresponding to the multiple target risk rules.

[0013] The present application also provides a treasury risk identification device, including: at least one processor; and a memory communicatively connected to the at least one processor; wherein, the memory stores instructions executable by the at least one processor, and when the instructions are executed by the at least one processor, the at least one processor is enabled to: determine the value-taking object involved in the target risk rule and the risk judgment rule; receive a first indicator definition instruction from a user, and define the business indicator corresponding to the value-taking object according to the first indicator definition instruction; receive a second indicator definition instruction from the user, and define the risk indicator corresponding to the risk judgment rule according to the second indicator definition instruction; at intervals of a preset time, determine the risk items corresponding to the multiple target risk rules based on the risk indicators corresponding to the target risk rules; generate a risk list of the multiple target risk rules within the preset time based on the risk items.

[0014] The present application also provides a non-volatile computer storage medium storing computer-executable instructions, which are set to: determine the value-taking object involved in the target risk rule and the risk judgment rule; receive a first indicator definition instruction from a user, and define the business indicator corresponding to the value-taking object according to the first indicator definition instruction; receive a second indicator definition instruction from the user, and define the risk indicator corresponding to the risk judgment rule according to the second indicator definition instruction; at intervals of a preset time, determine the risk items corresponding to the multiple target risk rules based on the risk indicators corresponding to the target risk rules; generate a risk list of the multiple target risk rules within the preset time based on the risk items.

[0015] The method proposed by the present application can bring the following beneficial effects: The user can flexibly define the risk indicator rules by himself, can define the risk indicator rules from different perspectives such as industry, business, and risk type, and intelligently identify the risks existing in each business area based on the rules, and automatically form a business risk list. This tool is developed to solve this problem. Description of the Drawings

[0016] The accompanying drawings described herein are used to provide a further understanding of the present application, and constitute a part of the present application. The illustrative embodiments of the present application and their descriptions are used to explain the present application, and do not constitute an improper limitation of the present application. In the drawings:

[0017] Figure 1 It is a schematic flow chart of a treasury risk identification method in an embodiment of the present application;

[0018] Figure 2 It is a schematic structural diagram of a treasury risk identification device in an embodiment of the present application. Detailed Description of the Preferred Embodiments

[0019] To make the objectives, technical solutions and advantages of the present application clearer, the technical solutions of the present application will be clearly and completely described below in conjunction with the specific embodiments of the present application and the corresponding drawings. Obviously, the described embodiments are only a part of the embodiments of the present application, rather than all the embodiments. All other embodiments obtained by those of ordinary skill in the art based on the embodiments of the present application without creative efforts shall fall within the scope of protection of the present application.

[0020] The following will describe in detail the technical solutions provided by each embodiment of the present application in conjunction with the drawings.

[0021] Figure 1 It is a schematic flow chart of a treasury risk identification method provided for one or more embodiments of this specification. This method can be applied to different business fields. This process can be executed by computing devices in the corresponding fields, and some input parameters or intermediate results in the process allow manual intervention and adjustment to help improve accuracy.

[0022] The implementation of the analysis method involved in the embodiments of the present application can be a terminal device or a server, and the present application does not make special restrictions on this. For the convenience of understanding and description, the following embodiments will be described in detail using a server as an example.

[0023] It should be noted that this server can be a single device or a system composed of multiple devices, that is, a distributed server, and the present application does not make specific limitations on this.

[0024] As Figure 1 shown, the embodiments of the present application provide a treasury risk identification method, including:

[0025] S101: Determine the value-taking objects involved in the target risk rule and the risk judgment rule.

[0026] First, the server determines the value-taking object involved in the risk rule to be set and the rules within the risk judgment. For example, if the risk rule is that an account with the number of transactions within a specified time range lower than a preset threshold is a risky account, then the risk judgment rule at this time is: lower than the preset threshold, and the value-taking object is the number of transactions.

[0027] S102: Receive a first indicator definition instruction from a user, and define a service indicator corresponding to the value-taking object according to the first indicator definition instruction.

[0028] The user can define the service indicator according to the needs. The service indicator model here is the atomic indicator, which is used to query the service object according to the conditions. The query result can be the service object itself that meets the conditions or a certain service feature of the service object. The service indicator is used as the value-taking object of the risk indicator, and one service indicator can act on multiple risk indicators. For example, a service indicator "bank account" means all bank account information opened by an enterprise. Then this service indicator can meet the query of account information within a certain range according to the conditions. A service indicator "account balance" means the account balance information of all accounts every day. Then this service indicator can provide the query of account balance information within a certain range according to the conditions. The query results of these two service indicators are the service objects themselves; a service indicator "number of accounts opened during a period" means the number of accounts opened within a date range. Then this service indicator can provide the query of the number of accounts opened within a date range according to the conditions. The query result of this service indicator is the service feature "number of accounts opened" of the account; a service indicator "number of transactions of a certain account within a specified interval" means the number of income and expenditure transactions of an account within a certain interval (such as N months). Then this service indicator can provide the query of the number of transactions within a time interval according to the specified conditions. The query result of this service indicator is the service feature "number of transactions" of the account.

[0029] In one embodiment, when defining the service indicator, the basic information of the service indicator and the service indicator formula included in the first indicator definition instruction can be determined; among them, the service indicator formula is the data acquisition calculation formula of the service indicator; the basic information of the service indicator includes the service indicator number, service indicator name, data type, precision, data description, and whether it is system-predefined; finally, based on the basic information of the service indicator and the service indicator formula, the service indicator corresponding to the value-taking object is defined. The service indicator formula is defined through a formula expression. The rule definition supports two methods: the basic mode and the advanced mode. The basic mode is directly defined based on the basic attributes of the value-taking object; if the basic attributes of the value-taking object cannot meet the requirements, the advanced mode can be adopted. The advanced mode supports methods such as SQL and component methods, and can realize the association of multiple service objects, and even support functions such as cross-system data acquisition.

[0030] S103: Receive a second indicator definition instruction from a user, and define a risk indicator corresponding to the risk judgment rule according to the second indicator definition instruction.

[0031] Users can also customize risk indicators according to their needs. Here, a risk indicator refers to a statistical indicator that represents the changes in a certain risk area and can be monitored regularly. It combines the concept of risk (such as the possibility of loss and its impact) with the characteristics of an indicator (such as quantifiable data or standards), and is used to assist managers in risk identification, assessment, and monitoring. Its characteristics are representativeness, monitorability, and warning. Representativeness means being able to accurately reflect the changes in a certain risk area. Monitorability means having periodicity and frequency, and data can be collected regularly for monitoring. Warning means that by setting a warning range, a risk warning signal can be sent out in a timely manner. The criteria for risk indicators are settable by rules, quantifiable, and multi-dimensionally measurable. For example, for the risk indicator of domestic inefficient accounts, from the account perspective, its descriptive characteristics are that the account is opened by a domestic bank and is a current account, which is a business indicator from the account perspective. From the activity perspective, its descriptive characteristics are that the number of transaction records in the recent "3 months" is less than "1000" records. Then, an account that meets this condition is an inefficient account. The system automatically scans and identifies it intelligently at regular intervals, warns about the inefficient account, and generates a risk list, which is handled by the cashier or a professional risk management position to decide whether to continue to retain or close the account. Similarly, for risks such as redundant accounts and zombie accounts, the rules may be different from those of inefficient accounts, but as long as there is an indicator of the number of transaction records within a certain time interval, then the business indicator of "the number of transaction records of a certain account within a specified interval" can be reused as the usage rule.

[0032] In one embodiment, when defining a risk indicator, the basic information of the risk indicator and the risk indicator rule included in the second indicator definition instruction can be determined. Among them, the basic information of the risk indicator includes the risk indicator number, risk indicator name, risk object, risk indicator description, and rule type. The risk indicator rule is a judgment rule related to the numerical value range of the involved business indicator. Based on the basic information of the risk indicator and the risk indicator rule, the business indicator corresponding to the value object is defined. A risk indicator is a possible risk point identified by an enterprise according to the actual situation, and its characteristics are industry-specific and customer-specific, and are defined by the user according to their own actual situation. The risk indicator rule supports identifying risks by setting data extraction rules in this system and also supports integrating and identifying risk data from other systems in an extended component manner.

[0033] In one embodiment, according to the above business indicators and risk indicators, it can be seen that in a single risk rule, one risk indicator and multiple business indicators may be involved, and each business indicator can act on multiple risk rules.

[0034] S104: At intervals of a preset time, based on the risk indicators corresponding to the target risk rules, determine the risk items corresponding to multiple target risk rules.

[0035] Through background scheduled tasks, the server can automatically execute risk indicator rules unattended at regular intervals and intelligently scan and identify risks, thereby identifying multiple risk items. It should be noted that different preset times will be adopted according to different risk rules. For example, from the perspective of the account, it is a business indicator. From the perspective of activity, its characteristic is that the number of transactions in the recent "3 months" is less than "1000" transactions, then the preset time is three months.

[0036] In one embodiment, the value range of each risk indicator rule is a risk judgment range. When the value falls within the risk judgment range, the corresponding business indicator at this time is a risk item. Therefore, when determining the risk item, it is necessary to determine the risk judgment range and the actual value corresponding to each corresponding business indicator in the target risk indicator, and determine the target business indicator that satisfies the actual value falling within the risk judgment range, and use the target business indicator as the risk item corresponding to multiple target risk rules. Specifically, the server can automatically determine whether the business object (such as an account, a transaction, etc.) meets the risk conditions according to the rules of the risk indicator. For example, the system scans all accounts and finds that the number of transactions of a certain account in the recent 3 months is 800, which meets the definition of an "inefficient account", then it is marked as a risk item. The judgment basis for the "inefficient account" here is whether it meets the condition of "the number of transactions is less than 1000".

[0037] In one embodiment, the risk indicator also has a warning feature, and the user can set a warning range for each risk indicator. When the business data meets the risk conditions, the system will send a warning signal in a timely manner. For example, when the number of "inefficient accounts" exceeds a certain threshold, the system will send a warning message to the risk management personnel. At this time, the value range of the risk indicator rule also includes a warning judgment range. At this time, it is possible to determine the warning judgment range and the actual value corresponding to each corresponding business indicator in the target risk indicator, and use the warning business indicator that satisfies the actual value falling within the warning judgment range as the warning item corresponding to multiple target risk rules. The warning item here can be sent to the business personnel together with the risk item for warning.

[0038] In one embodiment, the above risk items are business metrics whose values exceed the preset threshold range, but they do not reflect the level of risk of the risk items. Therefore, the actual difference between the actual value of the target business metric corresponding to each risk item and the extreme value of the risk numerical range can be determined. If the actual difference is higher than the preset threshold, the target business metric is set as the concerned business metric. According to the ratio between the actual difference and the extreme value of the risk numerical range, the risk assessment value corresponding to the risk item is determined, so as to judge the level of risk of the business metric through the level of the risk assessment value. Specifically, still taking the risk indicator that an account with less than 1000 transaction volumes in the recent 3 months is an inefficient account as an example, if the actual value of the business metric is 400 transactions, then the risk assessment value at this time is 0.6. It can be known that the larger the risk assessment value at this time, the smaller the actual value of the business metric is less than the established 1000. That is, the higher the risk of the risk item.

[0039] S105: Generate a risk list of multiple target risk rules within the preset time based on the risk items.

[0040] Automatically generate a risk list for the identified risk items, and send a warning message according to the warning release scope set by the risk indicator, so that positions such as business personnel or risk management personnel can receive the risk in time and conduct response handling. For example, for an "inefficient account", the management can decide whether to continue to retain it or close the account.

[0041] In one embodiment, when generating the risk list, it is necessary to determine the basic information of the business metric corresponding to the risk item, the basic information of the risk indicator, and the risk assessment value. Then, based on the basic information of the business metric, the basic information of the risk indicator, and the risk assessment value, generate a risk list of multiple target risk rules within the preset time.

[0042] In summary, through comprehensive risk management and control of funds, assets, and liabilities, the present application can help an enterprise identify, evaluate, and control risks, thereby ensuring the stable operation of the enterprise. It realizes the construction of a full-range safety prevention and control system before, during, and after the event, and conducts risk control without dead ends throughout the whole process and in all aspects, achieving the goal of truly safe management and use of funds.

[0043] As Figure 2 shown, the embodiment of the present application further provides a treasury risk identification device, including:

[0044] At least one processor; and a memory communicatively connected to the at least one processor; wherein, the memory stores instructions executable by the at least one processor, and when the instructions are executed by the at least one processor, the at least one processor can:

[0045] Determine the value-taking objects involved in the target risk rules and the risk judgment rules; receive a first indicator definition instruction from the user, and define the business indicators corresponding to the value-taking objects according to the first indicator definition instruction; receive a second indicator definition instruction from the user, and define the risk indicators corresponding to the risk judgment rules according to the second indicator definition instruction; at intervals of a preset time, determine the risk items corresponding to multiple target risk rules based on the risk indicators corresponding to the target risk rules; generate a risk list of multiple target risk rules within the preset time based on the risk items.

[0046] The embodiments of the present application also provide a non-volatile computer storage medium storing computer-executable instructions, and the computer-executable instructions are set as follows:

[0047] Determine the value-taking objects involved in the target risk rules and the risk judgment rules; receive a first indicator definition instruction from the user, and define the business indicators corresponding to the value-taking objects according to the first indicator definition instruction; receive a second indicator definition instruction from the user, and define the risk indicators corresponding to the risk judgment rules according to the second indicator definition instruction; at intervals of a preset time, determine the risk items corresponding to multiple target risk rules based on the risk indicators corresponding to the target risk rules; generate a risk list of multiple target risk rules within the preset time based on the risk items.

[0048] The embodiments in the present application are all described in a progressive manner. For the same or similar parts among the embodiments, reference can be made to each other. Each embodiment focuses on the differences from other embodiments. In particular, for the device and medium embodiments, since they are basically similar to the method embodiments, the description is relatively simple, and the relevant parts can refer to the partial description of the method embodiments.

[0049] The devices and media provided by the embodiments of the present application correspond one-to-one with the methods. Therefore, the devices and media also have beneficial technical effects similar to those of their corresponding methods. Since the beneficial technical effects of the methods have been described in detail above, the beneficial technical effects of the devices and media will not be elaborated here.

[0050] Those skilled in the art should understand that the embodiments of the present application can be provided as methods, systems, or computer program products. Therefore, the present application can take the form of a complete hardware embodiment, a complete software embodiment, or an embodiment combining software and hardware aspects. Moreover, the present application can take the form of a computer program product implemented on one or more computer-usable storage media (including but not limited to disk memories, CD-ROMs, optical memories, etc.) containing computer-usable program codes.

[0051] This application is described with reference to the flowcharts and / or block diagrams of methods, apparatus (systems), and computer program products according to embodiments of the application. It should be understood that each flow and / or block in the flowcharts and / or block diagrams, and the combination of flows and / or blocks in the flowcharts and / or block diagrams, can be implemented by computer program instructions. These computer program instructions can be provided to the processor of a general-purpose computer, special-purpose computer, embedded processor, or other programmable data processing device to generate a machine, such that the instructions executed by the processor of the computer or other programmable data processing device produce means for implementing the functions specified in one flow Figure 1 one flow or multiple flows and / or blocks Figure 1 or means for implementing the functions specified in one block or multiple blocks.

[0052] These computer program instructions can also be stored in a computer-readable memory that can direct a computer or other programmable data processing device to work in a specific manner, such that the instructions stored in the computer-readable memory produce a manufacture including instruction means that implement the functions specified in one flow Figure 1 one flow or multiple flows and / or blocks Figure 1 or means for implementing the functions specified in one block or multiple blocks.

[0053] These computer program instructions can also be loaded onto a computer or other programmable data processing device, such that a series of operational steps are executed on the computer or other programmable device to generate a computer-implemented process, and thus the instructions executed on the computer or other programmable device provide steps for implementing the functions specified in one flow Figure 1 one flow or multiple flows and / or blocks Figure 1 or means for implementing the functions specified in one block or multiple blocks.

[0054] In a typical configuration, a computing device includes one or more processors (CPUs), an input / output interface, a network interface, and memory.

[0055] The memory may include non-permanent memory in the form of computer-readable media, random access memory (RAM), and / or non-volatile memory such as read-only memory (ROM) or flash RAM. The memory is an example of computer-readable media.

[0056] A computer-readable medium includes permanent and non-permanent, removable and non-removable media that can implement information storage by any method or technology. The information can be computer-readable instructions, data structures, program modules, or other data. Examples of computer storage media include, but are not limited to, phase change memory (PRAM), static random access memory (SRAM), dynamic random access memory (DRAM), other types of random access memory (RAM), read-only memory (ROM), electrically erasable programmable read-only memory (EEPROM), flash memory or other memory technologies, compact disc read-only memory (CD-ROM), digital versatile disc (DVD) or other optical storage, magnetic cassettes, magnetic tape magnetic disk storage or other magnetic storage devices, or any other non-transitory medium that can be used to store information that can be accessed by a computing device. As defined herein, a computer-readable medium does not include transitory computer-readable media, such as modulated data signals and carrier waves.

[0057] It should also be noted that the term "comprising", "including" or any other variant thereof is intended to cover non-exclusive inclusion, such that a process, method, article or apparatus comprising a series of elements includes not only those elements but also other elements not expressly listed, or elements inherent to such process, method, article or apparatus. Without further limitation, an element defined by the statement "comprising an..." does not exclude the presence of additional identical elements in the process, method, article or apparatus comprising the element.

[0058] The above are only examples of the present application and are not intended to limit the present application. For those skilled in the art, various changes and modifications can be made to the present application. Any modifications, equivalent replacements, improvements, etc. made within the spirit and principles of the present application shall be included within the scope of the claims of the present application.

Claims

1. A treasury risk identification method, characterized in that, Including: Determine the value-taking objects involved in the target risk rule and the risk judgment rule; Receive a first indicator definition instruction from the user, and define the business indicator corresponding to the value-taking object according to the first indicator definition instruction; Receive a second indicator definition instruction from the user, and define the risk indicator corresponding to the risk judgment rule according to the second indicator definition instruction; At intervals of a preset time, based on the risk indicators corresponding to the target risk rule, determine the risk items corresponding to multiple target risk rules; Generate a risk list of multiple target risk rules within the preset time based on the risk items; 2. The method according to claim 1, wherein The defining the business indicator corresponding to the value-taking object according to the first indicator definition instruction specifically includes: Determine the basic information of the business indicator and the business indicator formula included in the first indicator definition instruction; The business indicator formula is the data acquisition calculation formula of the business indicator; The basic information of the business indicator includes business indicator number, business indicator name, data type, precision, data description, and whether it is system-preset; Define the business indicator corresponding to the value-taking object based on the basic information of the business indicator and the business indicator formula; 3. The method according to claim 1, characterized in that, The defining the risk indicator corresponding to the risk judgment rule according to the second indicator definition instruction specifically includes: Determine the basic information of the risk indicator and the risk indicator rule included in the second indicator definition instruction; the basic information of the risk indicator includes risk indicator number, risk indicator name, risk object, risk indicator description, and rule type; The risk indicator rule is a judgment rule related to the numerical value range of the involved business indicator; Define the business indicator corresponding to the value-taking object based on the basic information of the risk indicator and the risk indicator rule; 4. The method according to claim 1, wherein A single risk rule involves one risk indicator and at least one business indicator, and each business indicator can act on multiple risk rules; 5. The method according to claim 3, characterized in that, The numerical value range in the risk indicator rule is the risk judgment range; The determining, at intervals of a preset time, the risk items corresponding to multiple target risk rules based on the risk indicators corresponding to the target risk rule specifically includes: Determine the risk judgment range and the actual value corresponding to each corresponding business indicator in the target risk indicator; Determine the target business indicators that satisfy the actual value falling within the risk judgment range; Use the target business indicators as the risk items corresponding to the multiple target risk rules; 6. The method according to claim 5, wherein After using the target business indicators as the risk items corresponding to the multiple target risk rules, the method further includes: Determine the actual difference between the actual value of the target business indicator corresponding to each risk item and the extreme value of the risk numerical range; If the actual difference is higher than the preset threshold, set the target business indicator as a concerned business indicator; Determine the risk assessment value corresponding to the risk item according to the ratio between the actual difference and the extreme value of the risk numerical range; 7. The method according to claim 6, wherein The generating, based on the risk items, a risk list of multiple target risk rules within the preset time specifically includes: Determine the basic information of the business indicator, the basic information of the risk indicator, and the risk assessment value corresponding to the risk item; Generate a risk list of the multiple target risk rules within the preset time according to the basic business indicator information, the basic risk indicator information, and the risk assessment value.

8. The method according to claim 5, wherein The value range in the risk indicator rule is the warning judgment range. Before using the target business indicator as the risk item corresponding to the multiple target risk rules, the method further includes: Determine the warning judgment range and the actual value corresponding to each corresponding business indicator in the target risk indicator. Determine the warning business indicators that satisfy the actual value falling within the warning judgment range. Use the warning business indicators as the warning items corresponding to the multiple target risk rules.

9. A treasury risk identification device, characterized in that, Include: At least one processor; And a memory communicatively connected to the at least one processor; wherein, The memory stores instructions executable by the at least one processor, and the instructions are executed by the at least one processor to enable the at least one processor to execute: Determine the value-taking object involved in the target risk rule and the risk judgment rule. Receive a first indicator definition instruction from a user, and define the business indicator corresponding to the value-taking object according to the first indicator definition instruction. Receive a second indicator definition instruction from a user, and define the risk indicator corresponding to the risk judgment rule according to the second indicator definition instruction. At intervals of a preset time, determine the risk items corresponding to the multiple target risk rules based on the risk indicators corresponding to the target risk rules. Generate a risk list of the multiple target risk rules within the preset time based on the risk items.

10. A non-volatile computer storage medium stores computer-executable instructions, characterized in that, The computer-executable instructions are set to: Determine the value-taking object involved in the target risk rule and the risk judgment rule. Receive a first indicator definition instruction from a user, and define the business indicator corresponding to the value-taking object according to the first indicator definition instruction. Receive a second indicator definition instruction from a user, and define the risk indicator corresponding to the risk judgment rule according to the second indicator definition instruction. At intervals of a preset time, determine the risk items corresponding to the multiple target risk rules based on the risk indicators corresponding to the target risk rules. Generate a risk list of the multiple target risk rules within the preset time based on the risk items.

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