Funds flow analysis method, device, electronic equipment and medium

Abstract

The present application provides a method, device, electronic device and medium for analyzing fund flows, which are applied in the field of data analysis technology. The present application can realize more efficient and accurate fund flow analysis, and can avoid analyzing all outgoing transactions under the loan account within a certain period of time as outgoing funds after the loan.

Description

Technical Field

[0001] The present application relates to the field of data analysis technology. Specifically, the present application relates to a method, device, electronic equipment and medium for analyzing capital flows. Background Art

[0002] Fund flow analysis methods are often used in the financial industry. For example, a bank has granted a loan to a user and wants to know where the user's loan funds go. For funds that flow to other banks, potential users can be tapped for marketing in order to effectively increase the fund retention rate; for funds that flow to our bank, risk analysis can be conducted to identify suspected risky user behaviors.

[0003] At present, the analysis of fund flows is mainly done by checking the transaction details of users and then manually identifying which companies or individuals the funds flow to after the loan is issued. As the amount of data increases, this method is very labor-intensive and inefficient. There are also technologies that use knowledge graphs to monitor the flow of funds, that is, all transfer transactions under the loan account within a certain period of time are regarded as the outflow of funds after the loan. In fact, not every transfer transaction amount comes from the loan issuance.

[0004] Therefore, a more efficient and accurate capital flow analysis technology is needed. Summary of the invention

[0005] The present application provides a method, device, electronic device and medium for analyzing fund flow, which realizes more efficient and accurate fund flow analysis and avoids analyzing all outgoing transactions under the loan account within a certain period of time as outgoing funds after the loan. The technical solution adopted by the present application is as follows:

[0006] First, a method for analyzing capital flow is proposed, which includes:

[0007] Step S201: Data on the flow of funds for a certain loan x 0 , x 1 , x 2 , ..., x m (0≤m), calculate the state transition rate of each transaction from this loan to the next loan:

[0008]

[0009] Among them, x 0 The loan amount for this time,

[0010] x i (1≤i≤m) is the i-th transaction amount after the loan is issued,

[0011] x iWhen (0≤i≤m) is positive, the i-th transaction is an incoming transaction, otherwise, the i-th transaction is an outgoing transaction.

[0012] m is the total number of transactions from this loan to the next loan;

[0013] Step S202: Determine the optimal transaction number k for this loan:

[0014] If the state transition change rate of the i-th transaction is 0 or closest to 0 (<0.05), then k = i, if until the last transaction after the loan, the state transition change rate is still ≥ 0.05; and

[0015] Step S203: Determine the effective fund flow data of this loan: x 0 , x 1 , x 2 , ..., x k .

[0016] Optionally, the method further includes: before calculating the state transfer change rate, excluding other incoming transaction data other than the current loan from the fund flow data of the current loan.

[0017] Optionally, the method further includes: after excluding the other incoming transaction data and before calculating the state transition change rate, arranging the fund flow data in ascending order according to chronological order.

[0018] Optionally, the method further includes: performing risk analysis on the effective funds flow data to mine suspected risky user behaviors.

[0019] On the second aspect, a funds flow analysis method is provided, wherein any of the above funds flow analysis methods is performed together on the funds flow data of a specific user including multiple loans.

[0020] In a third aspect, a fund flow analysis device is provided, the device comprising:

[0021] Calculation device 301, used for the fund flow data x of a certain loan 0 , x 1 , x 2 , ..., x m (0≤m), calculate the state transition rate of each transaction from this loan to the next loan:

[0022]

[0023] Among them, x 0 The loan amount for this time,

[0024] x i(1≤i≤m) is the i-th transaction amount after the loan is issued, x i When is positive, the i-th transaction is an incoming transaction, otherwise, the i-th transaction is an outgoing transaction.

[0025] m is the total number of transactions from this loan to the next loan;

[0026] The judging device 302 is used to judge the optimal transaction number k for this loan:

[0027] If the state transition change rate of the i-th transaction is 0 or closest to 0 (<0.05), then k = i, if until the last transaction after the loan, the state transition change rate is still ≥ 0.05; and

[0028] Determining means 303, used to determine the effective funds flow data of the loan: x 0 , x 1 , x 2 , ..., x k .

[0029] Optionally, the device further comprises: a removal device for removing other incoming transaction data other than the current loan from the fund flow data of the current loan before calculating the state transfer change rate.

[0030] Optionally, the device further comprises: a sorting device for arranging the fund flow data in ascending order according to chronological order after excluding the other incoming transaction data and before calculating the state transition change rate.

[0031] In a fourth aspect, an electronic device is provided, the electronic device comprising:

[0032] one or more processors;

[0033] Memory;

[0034] One or more applications, wherein the one or more applications are stored in a memory and configured to be executed by one or more processors, and the one or more programs are configured to: execute the funds flow analysis method shown in the first aspect or the second aspect.

[0035] In a fourth aspect, a computer-readable storage medium is provided, which is used to store computer instructions. When the computer-readable storage medium is run on a computer, the computer can execute the funds flow analysis method shown in the first aspect or the second aspect.

[0036] Additional aspects and advantages of the present application will be partially given in the following description, which will become apparent from the following description, or will be understood through the practice of the present application. BRIEF DESCRIPTION OF THE DRAWINGS

[0037] The above and / or additional aspects and advantages of the present application will become apparent and easily understood from the following description of the embodiments in conjunction with the accompanying drawings, in which:

[0038] Figure 1 This is a diagram showing the actual flow of funds in the loan account to which the embodiment of the present application is applied;

[0039] Figure 2 A schematic diagram of a flow chart of a method for analyzing capital flow according to an embodiment of the present application;

[0040] Figure 3 This is a schematic diagram of the structure of a fund flow analysis device according to an embodiment of the present application;

[0041] Figure 4 A schematic diagram of the structure of an electronic device according to an embodiment of the present application. DETAILED DESCRIPTION

[0042] The embodiments of the present application are described in detail below, and examples of the embodiments are shown in the accompanying drawings, wherein the same or similar reference numerals throughout represent the same or similar elements or elements having the same or similar functions. The embodiments described below with reference to the accompanying drawings are exemplary and are only used to explain the present application, and cannot be interpreted as limiting the present application.

[0043] It will be understood by those skilled in the art that, unless otherwise stated, the singular forms "a", "an" and "the" used herein may also include plural forms. It should be further understood that the term "comprising" used in the specification of the present application refers to the presence of features, integers, steps, operations, elements and / or components, but does not exclude the presence or addition of one or more other features, integers, steps, operations, elements, components and / or groups thereof. The term "and / or" used herein includes all or any unit and all combinations of one or more associated listed items.

[0044] In order to make the objectives, technical solutions and advantages of the present application clearer, the implementation methods of the present application will be further described in detail below with reference to the accompanying drawings.

[0045] The technical solution of the present application and how the technical solution of the present application solves the above-mentioned technical problems are described in detail below with specific embodiments. The following specific embodiments can be combined with each other, and the same or similar concepts or processes may not be repeated in some embodiments. The embodiments of the present application will be described below in conjunction with the accompanying drawings.

[0046] After a financial institution issues a credit loan to a user, it usually needs to identify and analyze the flow of each loan fund. Figure 1 The figure shows the actual flow of funds in the loan account to which the embodiment of the present application can be applied. Figure 1 As shown, This is the zth loan to account Zh1. Account Zh1 made transfer transactions to accounts ZhX, ZhY and ZhZ respectively.

[0047] The present application embodiment provides a method for analyzing capital flow, such as Figure 2 As shown, the method may include the following steps:

[0048] Step S201, for a certain loan fund flow data x 0 , x 1 , x 2 , ..., x m (0≤m), calculate the state transition rate Index of each transaction from this loan to the next loan according to the following formula i :

[0049]

[0050] Among them, x 0 The amount of this loan.

[0051] Among them, x i (1≤i≤m) is the i-th transaction amount after the loan is issued.

[0052] When x i When x is positive, it means that the i-th transaction is an incoming transaction, otherwise, it means that the i-th transaction is an outgoing transaction. 0 Always a positive number.

[0053] Among them, m is the total number of transactions from this loan to the next loan.

[0054] Table 1 shows the fund flow data of a certain account Zh1 after two consecutive loan disbursements according to an embodiment of the present application, and the corresponding state transfer change rate is calculated for these fund flow data according to step S201.

[0055] Table 1 Fund flow data and status transfer change rate of account Zh1 from March to April 2020

[0056]

[0057] Table 2 shows the fund flow data of a certain account Zh2 after three consecutive loan disbursements according to an embodiment of the present application, and the corresponding state transition change rate is calculated for these fund flow data according to step S201.

[0058] Table 2 Fund flow data and status transfer change rate of account Zh2 from March to May 2020

[0059]

[0060]

[0061] Step S202: Based on the state transition change rate Index calculated in step S201 i Determine the optimal transaction number k for this loan.

[0062] If the state transition change rate of the i-th outgoing transaction after the loan is equal to or closest to 0 and less than 0.05, then the best transaction number sequence number k = i for this loan. If the state transition change rate of each transaction after the loan until the last transaction does not meet the above conditions, that is, the state transition change rate of each transaction is greater than 0.05, then the sequence number m of the last transaction is taken as the best transaction number sequence number k.

[0063] Step S203: Determine the effective funds flow data for this loan based on the best transaction number k determined in step S202: x 0 , x 1 , x 2 , ..., x k That is to say, the k transactions after the loan are regarded as the capital changes related to this loan, and other transaction data after the kth transaction are excluded.

[0064] Table 3 is the valid fund flow data obtained after processing the data of account Zh2 in Table 2 above according to steps S202 and S203 according to an embodiment of the present application.

[0065] Table 3 Effective fund flow data of account Zh2 from March to May 2020

[0066]

[0067]

[0068] Optionally, before calculating the state transition change rate in step S201, other transfer-in transaction data other than the current loan are removed from the fund flow data of the current loan, because these transfer-in data are generally not regarded as fund outflows related to the current loan that need to be paid attention to.

[0069] Optionally, after the step of eliminating the other incoming transaction data and before the step S201 of calculating the state transition change rate, the fund flow data after eliminating the other incoming transaction data are arranged in ascending order according to chronological order.

[0070] Optionally, risk analysis is performed on the valid funds flow data determined in step S203 to mine suspected risky user behaviors.

[0071] For the embodiment of the present application, a more efficient and accurate analysis of the flow of funds is achieved, avoiding the analysis of all transfer transactions under the loan account within a certain period of time as the outflow of funds after the loan.

[0072] Figure 3 A fund flow analysis device is provided in an embodiment of the present application. The device 30 includes a calculation device 301, a judgment device 302 and a determination device 303.

[0073] The computing device 301 is used to calculate the fund flow data x for a certain loan. 0 , x 1 , x 2 , …, x m (0≤m), calculate the state transition rate of each transaction from this loan to the next loan:

[0074]

[0075] Among them, x 0 The amount of this loan.

[0076] Among them, x i (1≤i≤m) is the i-th transaction amount after the loan is issued.

[0077] When x i When x is positive, it means that the i-th transaction is an incoming transaction, otherwise, it means that the i-th transaction is an outgoing transaction. 0 Always a positive number.

[0078] Among them, m is the total number of transactions from this loan to the next loan.

[0079] The judging device 302 is used to determine the state transition change rate Index calculated by the calculating device 301. i Determine the optimal transaction number k for this loan.

[0080] If the state transition change rate of the i-th outgoing transaction after the loan is equal to or closest to 0 and less than 0.05, then the best transaction number sequence number k = i for this loan. If the state transition change rate of each transaction after the loan until the last transaction does not meet the above conditions, that is, the state transition change rate of each transaction is greater than 0.05, then the sequence number m of the last transaction is taken as the best transaction number sequence number k.

[0081] The determining device 303 is used to determine the effective fund flow data of this loan according to the best transaction number sequence number k determined by the determining device 302: x 0 , x 1 , x 2 , ..., x kThat is to say, the k transactions after the loan are regarded as the capital changes related to this loan, and other transaction data after the kth transaction are excluded.

[0082] Optionally, the fund flow analysis device 30 further includes a removal device. The removal device is used to remove other transfer-in transaction data other than the current loan from the fund flow data of the current loan before the calculation device 301 calculates the state transition change rate. This is because these transfer-in data are generally not regarded as fund outflows related to the current loan that need to be paid attention to.

[0083] Optionally, the fund flow analysis device 30 further includes a sorting device, which is used to sort the fund flow data in ascending order according to time sequence after removing the other incoming transaction data and before calculating the state transition change rate.

[0084] For the embodiment of the present application, a more efficient and accurate analysis of the flow of funds is achieved, avoiding the analysis of all transfer transactions under the loan account within a certain period of time as the outflow of funds after the loan.

[0085] The funds flow analysis device of this embodiment can execute any of the funds flow analysis methods provided in the above embodiments of this application. The implementation principles are similar and will not be repeated here.

[0086] The present application embodiment provides an electronic device, such as Figure 4 As shown, Figure 4 The electronic device 40 shown includes: a processor 401 and a memory 403. The processor 401 and the memory 403 are connected, such as through a bus 402. Further, the electronic device 40 may also include a transceiver 404. It should be noted that in actual applications, the transceiver 404 is not limited to one, and the structure of the electronic device 40 does not constitute a limitation on the embodiments of the present application. The processor 401 is used in the embodiments of the present application to implement Figure 3 The functions of the calculation means 301, the judgment means 302 and the determination means 303 in FIG. 404 include a receiver and a transmitter.

[0087] Processor 401 may be a CPU, a general purpose processor, a DSP, an ASIC, an FPGA or other programmable logic device, a transistor logic device, a hardware component or any combination thereof. It may implement or execute various exemplary logic blocks, modules and circuits described in conjunction with the disclosure of this application. Processor 401 may also be a combination that implements computing functions, such as a combination of one or more microprocessors, a combination of a DSP and a microprocessor, etc.

[0088] The bus 402 may include a path to transmit information between the above components. The bus 402 may be a PCI bus or an EISA bus, etc. The bus 402 may be divided into an address bus, a data bus, a control bus, etc. For ease of representation, Figure 4 Only one thick line is used in the diagram, but this does not mean that there is only one bus or only one type of bus.

[0089] The memory 403 may be a ROM or other type of static storage device that can store static information and instructions, a RAM or other type of dynamic storage device that can store information and instructions, or an EEPROM, a CD-ROM or other optical disk storage, an optical disk storage (including a compressed optical disk, a laser disk, an optical disk, a digital versatile disk, a Blu-ray disk, etc.), a magnetic disk storage medium or other magnetic storage device, or any other medium that can be used to carry or store the desired program code in the form of instructions or data structures and can be accessed by a computer, but is not limited thereto.

[0090] The memory 403 is used to store the application code for executing the solution of the present application, and the execution is controlled by the processor 401. The processor 401 is used to execute the application code stored in the memory 403. Figure 3 The illustrated embodiment provides the functionality of a fund flow analysis device.

[0091] The present application embodiment provides an electronic device applicable to the above-mentioned method for analyzing the flow of funds, which will not be described in detail here.

[0092] An embodiment of the present application provides a computer-readable storage medium having a computer program stored thereon. When the program is executed by a processor, the method for analyzing the flow of funds shown in the above embodiment is implemented.

[0093] The present application embodiment provides an embodiment of a computer-readable storage medium applicable to the above-mentioned fund flow analysis method, which will not be described in detail here.

[0094] It should be understood that, although the steps in the flowchart of the accompanying drawings are displayed in sequence as indicated by the arrows, these steps are not necessarily executed in sequence in the order indicated by the arrows. Unless otherwise specified herein, there is no strict order restriction on the execution of these steps, and they can be executed in other orders. Moreover, at least a part of the steps in the flowchart of the accompanying drawings may include multiple sub-steps or multiple stages, and these sub-steps or stages are not necessarily executed at the same time, but can be executed at different times, and their execution order is not necessarily sequential, but can be executed in turn or alternately with other steps or at least a part of the sub-steps or stages of other steps.

[0095] The above are only some implementation methods of the present application. It should be pointed out that for ordinary technicians in this technical field, several improvements and modifications can be made without departing from the principles of the present application. These improvements and modifications should also be regarded as the scope of protection of the present application.

Claims

1. A method for analyzing capital flow, characterized in that: include: Step S201: Data on the flow of funds for a certain loan x 0 ,x 1 ,x 2 ,…,x m (0≤m), calculate the state transition rate of each transaction from this loan to the next loan: Among them, x 0 The loan amount for this time, x i (1≤i≤m) is the i-th transaction amount after the loan is issued, x i When (0≤i≤m) is positive, the i-th transaction is an incoming transaction, otherwise, the i-th transaction is an outgoing transaction. m is the total number of transactions from this loan to the next loan; Step S202: Determine the optimal transaction number k for this loan: If the state transition change rate of the i-th transaction is 0 or closest to 0, then k = i. If the state transition change rate is still ≥ 0.05 until the last transaction after the loan, the sequence number m of the last transaction is taken as the best transaction number k, where the state transition change rate is closest to 0 and is less than 0.

05. Step S203: Determine the effective fund flow data of this loan: x 0 ,x 1 ,x 2 ,…,x k .

2. The method for analyzing capital flow according to claim 1, characterized in that: Also includes: Before calculating the state transfer change rate, other incoming transaction data other than the current loan is eliminated from the fund flow data of the current loan.

3. The method for analyzing capital flow according to claim 2, characterized in that: Also includes: After excluding the other incoming transaction data and before calculating the state transition change rate, the fund flow data are arranged in ascending order according to chronological order.

4. The method for analyzing capital flow according to claim 1, characterized in that: Also includes: Conduct risk analysis on the effective funds flow data and discover suspected risky user behaviors.

5. A method for analyzing capital flow, characterized in that: The fund flow analysis method according to any one of claims 1 to 4 is executed together with the fund flow data of a specific user including multiple loans.

6. A fund flow analysis device, characterized in that: include: Calculation device 301, used for the fund flow data x of a certain loan 0 ,x 1 ,x 2 ,…,x m (0≤m), calculate the state transition rate of each transaction from this loan to the next loan: Among them, x 0 The loan amount for this time, x i (1≤i≤m) is the i-th transaction amount after the loan is issued, x i When is positive, the i-th transaction is an incoming transaction, otherwise, the i-th transaction is an outgoing transaction. m is the total number of transactions from this loan to the next loan; The judging device 302 is used to judge the optimal transaction number k for this loan: If the state transition rate of the i-th transaction is 0 or closest to 0, then k = i. If the state transition rate is still ≥ 0.05 until the last transaction after the loan, the sequence number m of the last transaction is taken as the best transaction number k, wherein the state transition rate is closest to 0 and is less than 0.05; the determination device 303 is used to determine the effective capital flow data of the loan: x 0 ,x 1 ,x 2 ,…,x k .

7. The fund flow analysis device according to claim 6, characterized in that: Also includes: The elimination device is used to eliminate other incoming transaction data other than the current loan in the fund flow data of the loan before calculating the state transfer change rate.

8. The fund flow analysis device according to claim 7, characterized in that: Also includes: The sorting device is used to arrange the capital flow data in ascending order according to time sequence after eliminating the other transfer-in transaction data and before calculating the state transition change rate.

9. An electronic device, characterized in that: include: one or more processors; Memory; One or more applications, wherein the one or more applications are stored in the memory and configured to be executed by the one or more processors, and the one or more programs are configured to: execute the funds flow analysis method according to any one of claims 1 to 5.

10. A computer-readable storage medium, characterized in that: The computer storage medium is used to store computer instructions, and when it is run on a computer, it enables the computer to execute the capital flow analysis method described in any one of claims 1 to 5.

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