Financial business data processing method and device, storage medium and electronic equipment

Abstract

The present application discloses a method and device for processing financial business data, a storage medium, and an electronic device, and relates to the field of financial technology. The method includes: collecting original data information, wherein the original data information is data information after summarizing the financial business data; determining multiple target data information that meet preset rules in the original data information, wherein the preset rules are established by the parameters of the financial business data; creating target projects based on each target data information to obtain multiple target projects; according to the preset rules, the multiple target projects are aggregated to obtain a first asset pool; according to the preset rules and the characteristic information of each target project, each target project in the first asset pool is verified. Through this application, the problem that it is difficult to verify financial business data in related technologies, resulting in difficulty in ensuring the accuracy of data, is solved.

Description

Technical Field

[0001] The present application relates to the field of financial technology, and specifically, to a method and device for processing financial business data, a storage medium, and an electronic device. Background Art

[0002] The establishment of a securitized asset pool is a fundamental prerequisite for securitization. The asset pool typically ranges from a few hundred million yuan to tens of billions. This is particularly true for personal credit assets, which face challenges such as small amounts, a large number of accounts, a wide variety of asset types, and a dispersed underlying asset base. Furthermore, the underlying asset status often changes. Therefore, users need to screen the asset pool and maintain its up-to-date status during the screening process. Related technologies often use manual screening methods to screen asset pools. These methods are inefficient, time-consuming, and prone to errors when faced with a large number of dispersed underlying assets. Furthermore, these screening methods make it difficult to keep up with the dynamic changes in account and IOU information, making it difficult to ensure the accuracy of the data in the asset pool.

[0003] Currently, no effective solution has been proposed to address the problem that it is difficult to verify financial business data in relevant technologies, resulting in difficulty in ensuring the accuracy of the data. Summary of the Invention

[0004] The main purpose of this application is to provide a method and device for processing financial business data, a storage medium and an electronic device to solve the problem in related technologies that it is difficult to verify financial business data, resulting in difficulty in ensuring the accuracy of the data.

[0005] To achieve the above-mentioned purpose, according to one aspect of the present application, a method for processing financial business data is provided. The method includes: collecting original data information, wherein the original data information is data information after summarizing financial business data; determining multiple target data information in the original data information that meet preset rules, wherein the preset rules are established by parameters of the financial business data; creating target projects based on each target data information to obtain multiple target projects; according to the preset rules, aggregating the multiple target projects to obtain a first asset pool; and verifying each target project in the first asset pool based on the preset rules and characteristic information of each target project, wherein the characteristic information of the target project includes at least one of the following: project number information corresponding to the target data information, project status information, project issuance quota information, project currency requirement information, and project delivery date information.

[0006] Furthermore, before aggregating the multiple target projects according to the preset rules to obtain the first asset pool, the method also includes: performing a risk assessment on each target data information in the multiple target projects to determine the target data information with risks; and eliminating the target data information with risks in the multiple target projects.

[0007] Furthermore, after aggregating the multiple target projects according to the preset rules to obtain the first asset pool, the method also includes: receiving a second target instruction, wherein the target instruction is used to instruct the approval of the multiple target projects in the first asset pool; responding to the second target instruction, approving the multiple target projects to obtain approval results; and processing the target data information in the multiple target projects based on the approval results.

[0008] Furthermore, based on the approval result, processing the target data information in the multiple target projects includes: if the approval result indicates that the approval is passed, retaining the multiple target projects in the first asset pool; if the approval result indicates that the approval is not passed, adjusting the target data information in the multiple target projects.

[0009] Furthermore, based on the preset rules and the characteristic information of each target project, verification processing is performed on each target project in the first asset pool, including: determining the target data information of multiple target projects; judging whether there are target projects with the same target data information among the multiple target projects; if there are target projects with the same target data information, then issuing risk warnings for the target projects with the same target data information.

[0010] Furthermore, before determining multiple target data information in the original data information that meets the preset rules, the method also includes: obtaining parameter information of the financial business data, wherein the parameter information of the financial business data includes at least one of the following: loan type information, industry requirement information, loan default information, promissory note status information, loan attribute information, loan balance information, and regulatory requirement information; establishing the preset rules based on the parameter information of the financial business data.

[0011] Furthermore, after creating a target project based on each target data information and obtaining multiple target projects, the method also includes: receiving a first target instruction, wherein the target instruction is used to instruct the collection and processing of the multiple target projects; responding to the first target instruction, collecting and processing the multiple target projects to obtain a first asset pool.

[0012] To achieve the above-mentioned purpose, according to another aspect of the present application, a device for processing financial business data is provided. The device includes: a first acquisition unit for acquiring raw data information, wherein the raw data information is data information after summarizing financial business data; a first determination unit for determining multiple target data information in the raw data information that meet preset rules, wherein the preset rules are established by parameters of the financial business data; a first creation unit for creating target projects based on each target data information to obtain multiple target projects; a first processing unit for aggregating the multiple target projects based on the preset rules to obtain a first asset pool; a second processing unit for verifying each target project in the first asset pool based on the preset rules and characteristic information of each target project, wherein the characteristic information of the target project includes at least one of the following: project number information corresponding to the target data information, project status information, project issuance quota information, project currency requirement information, and project delivery date information.

[0013] Furthermore, the device also includes: a first evaluation unit, which is used to perform risk assessment on each target data information in the multiple target projects before aggregating the multiple target projects according to the preset rules to obtain the first asset pool, and determine the target data information with risks; and a first elimination unit, which is used to eliminate the target data information with risks in the multiple target projects.

[0014] Furthermore, the device also includes: a second receiving unit, used to receive a second target instruction after the multiple target projects are aggregated and processed according to the preset rules to obtain the first asset pool, wherein the target instruction is used to instruct the approval of the multiple target projects in the first asset pool; a second responding unit, used to respond to the second target instruction, approve the multiple target projects, and obtain approval results; and a third processing unit, used to process the target data information in the multiple target projects based on the approval results.

[0015] Furthermore, the third processing unit includes: a first retention module, used to retain the multiple target projects in the first asset pool when the approval result indicates that the approval is passed; and a first adjustment module, used to adjust the target data information in the multiple target projects when the approval result indicates that the approval is not passed.

[0016] Furthermore, the second processing unit includes: a first determination module, used to determine target data information among multiple target projects; a first judgment module, used to judge whether there are target projects with the same target data information among the multiple target projects; and a first prompt module, used to provide risk prompts for the target projects with the same target data information if there are target projects with the same target data information.

[0017] Furthermore, the device also includes: a first acquisition unit, used to obtain parameter information of the financial business data before determining multiple target data information that meets the preset rules in the original data information, wherein the parameter information of the financial business data includes at least one of the following: loan type information, industry requirement information, loan default information, promissory note status information, loan attribute information, loan balance information, and regulatory requirement information; a first establishment unit, used to establish the preset rules based on the parameter information of the financial business data.

[0018] Furthermore, the device also includes: a first receiving unit, used to create a target project based on each target data information respectively, and after obtaining multiple target projects, receive a first target instruction, wherein the target instruction is used to instruct the multiple target projects to be aggregated; a first responding unit, used to respond to the first target instruction, aggregate the multiple target projects, and obtain a first asset pool.

[0019] In order to achieve the above-mentioned purpose, according to another aspect of the present application, a computer-readable storage medium is provided, wherein the storage medium includes a stored program, wherein the program executes any one of the above-mentioned methods for processing financial business data.

[0020] In order to achieve the above-mentioned purpose, according to another aspect of the present application, a processor is provided, which is used to run a program, wherein the program executes any one of the above-mentioned methods for processing financial business data when running.

[0021] In order to achieve the above-mentioned purpose, according to another aspect of the present application, an electronic device is provided, which includes one or more processors and a memory, and the memory is used to store one or more programs, wherein when the one or more programs are executed by the one or more processors, the one or more processors implement any one of the above-mentioned methods for processing financial business data.

[0022] Through the present application, the following steps are adopted: collecting original data information, wherein the original data information is data information after summarizing financial business data; determining multiple target data information that meet preset rules in the original data information, wherein the preset rules are established by parameters of the financial business data; creating target projects based on each target data information to obtain multiple target projects; according to the preset rules, aggregating the multiple target projects to obtain a first asset pool; and verifying each target project in the first asset pool based on the preset rules and characteristic information of each target project, wherein the characteristic information of the target project includes at least one of the following: project number information corresponding to the target data information, project status information, project issuance quota information, project currency requirement project, and project delivery date information, thereby solving the problem that it is difficult to verify financial business data in the related art, resulting in difficulty in ensuring data accuracy. By creating multiple target projects based on the preset rules and target data information, aggregating the multiple target projects into a first asset pool, and verifying the target projects in the first asset pool based on the preset rules and the characteristic information of the target projects, the financial business data can be verified, thereby achieving the effect of ensuring data accuracy. BRIEF DESCRIPTION OF THE DRAWINGS

[0023] The accompanying drawings, which constitute part of this application, are intended to provide a further understanding of this application. The exemplary embodiments and descriptions of this application are intended to explain this application and do not constitute an improper limitation on this application. In the accompanying drawings:

[0024] Figure 1 This is a flowchart of a method for processing financial business data provided in an embodiment of the present application;

[0025] Figure 2 is a schematic diagram of an optional method for processing financial business data provided according to an embodiment of the present application;

[0026] Figure 3 is a schematic diagram of a device for processing financial business data provided in accordance with an embodiment of the present application;

[0027] Figure 4 is a schematic diagram of an optional financial business data processing device provided according to an embodiment of the present application;

[0028] Figure 5 is a schematic diagram of an electronic device provided according to an embodiment of the present application. DETAILED DESCRIPTION

[0029] It should be noted that, in the absence of conflict, the embodiments and features of the embodiments in this application can be combined with each other. The present application will be described in detail below with reference to the accompanying drawings and in combination with the embodiments.

[0030] In order to enable those skilled in the art to better understand the present invention, the following will clearly and completely describe the technical solutions in the embodiments of the present invention in conjunction with the drawings in the embodiments of the present invention. Obviously, the described embodiments are only part of the embodiments of the present invention, not all of the embodiments. Based on the embodiments in the present invention, all other embodiments obtained by ordinary technicians in this field without making creative efforts should fall within the scope of protection of this application.

[0031] It should be noted that the terms "first", "second", etc. in the specification and claims of the present application and the above-mentioned drawings are used to distinguish similar objects and are not necessarily used to describe a specific order or sequential order. It should be understood that the data used in this way can be interchanged where appropriate, so that the embodiments of the present application described here. In addition, the terms "including" and "having" and any of their variations are intended to cover non-exclusive inclusions. For example, a process, method, system, product or device that includes a series of steps or units is not necessarily limited to those steps or units clearly listed, but may include other steps or units that are not clearly listed or inherent to these processes, methods, products or devices.

[0032] It should be noted that the user information (including but not limited to user device information, user personal information, etc.) and data (including but not limited to data used for display, data for analysis, etc.) involved in this disclosure are all information and data authorized by the user or fully authorized by all parties.

[0033] The present invention will be described below in conjunction with preferred implementation steps. Figure 1 is a flowchart of a method for processing financial business data according to an embodiment of the present application. Figure 1 As shown, the method includes the following steps:

[0034] Step 1001: Collect original data information, wherein the original data information is data information obtained by summarizing financial business data.

[0035] For example, the financial business data described above may be transaction information during and after the implementation of a credit transaction, primarily including business data reflecting basic information about the credit note, such as customer name, five-level classification, contract information, loan currency, current balance, overdue amount, interest owed, and default time. Because the original business data is authentic and accurate, accurate original data information can be obtained after obtaining and summarizing the original financial business data.

[0036] Step 1002: Determine a plurality of target data information in the original data information that meet preset rules, wherein the preset rules are established by parameters of the financial business data.

[0037] Establish preset rules based on the parameters of financial business data, and filter out all target data that meets the preset rules from the original data information based on the preset rules.

[0038] Step 1003: Create a target project according to each target data information to obtain multiple target projects.

[0039] Create multiple target projects based on all filtered target data that meets the preset rules.

[0040] Step 1004: According to preset rules, multiple target projects are aggregated to obtain a first asset pool.

[0041] According to the preset rules, multiple target projects are screened, target projects that meet the preset rules are selected, and all target projects that meet the preset rules are grouped into the asset pool.

[0042] Step 1005: Verify each target project in the first asset pool according to preset rules and characteristic information of each target project, wherein the characteristic information of the target project includes at least one of the following: project number information corresponding to the target data information, project status information, project issuance quota information, project currency requirement information, and project delivery date information.

[0043] After all target projects that meet the preset rules are grouped into the asset pool, the target data within each target project is verified based on the preset rules and the project's characteristic information. If the data of a project in the fund pool is found to have changed and no longer meets the preset rules, the project will be removed from the asset pool. If the project delivery date in the target project's characteristic information indicates that a project needs to be delivered on a certain day, the project will be delivered based on the delivery date.

[0044] Through the above steps 1001 to 1005, multiple target projects are created according to preset rules and target data information, the multiple target projects are grouped into a first asset pool, and the target projects in the first asset pool are verified according to the preset rules and characteristic information of the target projects, so that the financial business data can be verified, thereby achieving the effect of ensuring the accuracy of the data.

[0045] Optionally, in the method for processing financial business data provided in an embodiment of the present application, before determining multiple target data information in the original data information that meets the preset rules, the method also includes: obtaining parameter information of the financial business data, wherein the parameter information of the financial business data includes at least one of the following: loan type information, industry requirement information, loan default information, promissory note status information, loan attribute information, loan balance information, and regulatory requirement information; and establishing preset rules based on the parameter information of the financial business data.

[0046] For example, based on the parameter information of financial business data, preset rules can be established. The parameter information of financial business data can include predefined parameters such as loan type, industry requirements, loan default, IOU status, loan attributes, loan balance, and regulatory requirements. These parameters are used as the preset rules to be called. An example of a predefined rule is: Rule 1: Loan product type, such as business loans, consumer loans, and housing loans; Rule 2: The loan balance on the base date is greater than M (a custom preset limit).

[0047] In summary, the parameter information of financial business data can be used to accurately establish preset rules, and through the preset rules, the customer's underlying assets can be automatically screened out.

[0048] Optionally, in the method for processing financial business data provided in an embodiment of the present application, after creating a target project based on each target data information and obtaining multiple target projects, the method also includes: receiving a first target instruction, wherein the target instruction is used to instruct the collection processing of multiple target projects; responding to the first target instruction, collecting and processing the multiple target projects to obtain a first asset pool.

[0049] For example, after creating a target project, in addition to automatically adding the target project to the pool, you can also choose to have the account manager manually trigger the pooling function. If the manual pooling operation is selected, the account manager can manually collect the target projects and then form an asset pool.

[0050] In summary, manual pooling avoids data issues and provides the same benefits as automatic pooling. Furthermore, it increases the flexibility of pooling options and enhances the comprehensiveness of pooling functionality.

[0051] Optionally, in the method for processing financial business data provided in the embodiment of the present application, before aggregating and processing multiple target projects according to preset rules to obtain a first asset pool, the method also includes: performing a risk assessment on each target data information in the multiple target projects to determine the target data information that is at risk; and eliminating the target data information that is at risk in the multiple target projects.

[0052] Before automatic pooling, data is collected and then, based on self-triggering rules, risky data unsuitable for pooling is removed. Business personnel are instructed to identify and remove this data upon entry, ultimately completing automatic pooling. Self-triggering rules can be learned and identified based on risk models, automatically triggering risk warning models during the pooling process. For example, self-triggering rules could include: Rule 1: Loans do not include fraudulent mortgage loans; Rule 2: Loans do not include bulk defaulted mortgage loans, e.g., if the total number of nonperforming loans under the same mortgage project on the same base date exceeds N and a certain percentage has been disbursed.

[0053] Through the above solution, the financial business data in the asset pool can be monitored in real time, thereby ensuring the accuracy of the financial business data in the asset pool.

[0054] Optionally, in the method for processing financial business data provided in an embodiment of the present application, after aggregating and processing multiple target projects according to preset rules to obtain a first asset pool, the method further includes: receiving a second target instruction, wherein the target instruction is used to instruct approval of multiple target projects in the first asset pool; responding to the second target instruction, approving the multiple target projects to obtain approval results; and processing target data information in the multiple target projects based on the approval results.

[0055] For example, after completing the pool entry, the approval stage begins. The superior agency needs to review and approve the IOUs that have been selected into the asset pool, and then process the target data information based on the approval results.

[0056] In summary, by approving the data information in the asset pool, the accuracy of the financial business data in the asset pool can be further improved.

[0057] Optionally, in the method for processing financial business data provided in an embodiment of the present application, processing the target data information in multiple target projects based on the approval result includes: when the approval result indicates that the approval is passed, retaining the multiple target projects in the first asset pool; when the approval result indicates that the approval is not passed, adjusting the target data information in the multiple target projects.

[0058] For example, if the approval is passed, the data information in the asset pool will not be changed; if the approval is not passed, adjustments will be made based on the data already in the pool, and the data will be updated and adjusted for IOUs that have been mistakenly entered into the pool, or that the head office deems unnecessary to be entered into the pool, or that have been omitted from the pool.

[0059] To sum up, by modifying or updating incorrect data information in the asset pool, the entire process can be completed automatically without external intervention, greatly improving the efficiency of data entry into the pool.

[0060] Optionally, in the method for processing financial business data provided in the embodiment of the present application, verification processing is performed on each target project in the first asset pool based on preset rules and characteristic information of each target project, including: determining target data information among multiple target projects; judging whether there are target projects with the same target data information among multiple target projects; if there are target projects with the same target data information, issuing risk warnings for the target projects with the same target data information.

[0061] For example, after entering the pool, the business data is deployed and verified according to the rules to ensure timely adjustment of the data in the pool and ensure the timeliness of the data. The rules use two mechanisms to verify and check the data that has just entered the pool, and remind the results through two mechanisms. One is the manual triggering of the business personnel to remind the problematic data in real time, and the other is the T+1 reminder after the batch: the first is the scheduled rule deployment check, such as: (1) the customer status changes, such as the customer cancels the account; (2) the business data IOU status changes, such as it has been written off, interest is suspended, or the court has frozen the account; (3) the base date changes, such as if the single IOU increases compared to the base date due to factors such as wrong account adjustment, the system can remind the single IOU; (4) whether the balance of the provision account is sufficient to meet the accounting processing requirements; (5) whether the general ledger is correct, such as the trust company's payment of the temporary collection account for the current project issuance amount is consistent with the total amount of the single IOU allocation amount. The second is dynamic risk warning: In the case where securitization belongs to different businesses, there may be multiple securitization projects at the same time, and the data may overlap, but the projects are independent of each other. It is necessary to ensure that the assets already in the pool do not appear in other projects in the pool. If they are identified in other projects in the pool, risk data warnings will be provided in a timely manner. For example, customer A obtains project asset pool 1, and the business data meets the above-mentioned preset rules, and there is no risk situation in the above-mentioned self-triggering rules. On 20210510, it is automatically entered into the pool. After entering the pool, there is no special adjustment. After entering the pool, on 20210517, it is automatically identified that the customer's loan note also exists in asset pool 2 (other project asset pool), then triggering a post-pool entry risk warning, prompting the business not to enter the pool repeatedly, otherwise there will be a delivery failure; customer B obtains project 1, meets the above-mentioned process 109 rules, automatically identifies suspected batch default risk data, and automatically enters the pool after data isolation; customer C obtains project asset pool 1, enters the asset pool, and before delivery, it is identified that the customer has settled the loan and cancelled the account at the same time, then prompts the business to process the business data.

[0062] In summary, by dynamically verifying the data in the asset pool, you can set the pool entry period and data lock period. Throughout the pool entry period, data can be verified online according to pre-defined rules. This can prevent abnormal situations such as customer account cancellation, loan write-off, and loan settlement, which can lead to failure to deliver the balance sheet. In addition, it can support dynamic updates of the asset pool and make timely and rapid adjustments to data changes, facilitating the development of asset securitization business and shortening the asset screening cycle.

[0063] Schematic diagram of optional financial business data processing method, such as Figure 2 As shown. 101 The project initiator (head of the head office) logs in to the business system; 102 Enter the project initiation function module and create the current securitization project. The project information includes project number, securities issuance scale, delivery date and other elements; 103 After the project is created, the predetermined rules are entered into the business parameter module (called automatic loading by the system) for subsequent calls; 104 The account manager logs in to the business system; 105 The account manager enters the relevant function module for pool application and starts the subsequent pool entry process; 106 Start pool entry and select the created securitization project to prepare for the subsequent loading of business data under the project ; 107 loads the IOU information into the basic database to complete data preparation; 108 loads the IOU to be pooled for this project according to the predetermined rules; 109 triggers the basic database according to the system's predetermined parameter rules to complete the loading of the IOU information to be pooled for this project; 110 manual pooling operation, in order to avoid data problems, the device supports the account manager to manually operate the IOU to be pooled, which has the same effect as automatic pooling; 111 The account manager can choose automatic pooling according to the predetermined rules; 112 In the process of automatic pooling, the data information to be pooled is obtained through 109, and at the same time, it is automatically triggered and identified through 112. It is advisable to enter the risk data into the pool and eliminate it, and inform the business personnel to identify and eliminate it when the data enters the pool (such as the existence of false mortgage loans or batch default housing loans), and complete the automatic entry into the pool; 113 After the completion of the IOU into the pool, it enters the approval link. After the approval is completed by the superior bank, the IOU enters the asset pool. The IOU status and account status can be checked in real time through the IOU into the pool. Through real-time inspection or testing, it is ensured that the data entering the subsequent links is accurate; 114 After completing the approval of the entry into the pool, it enters the special adjustment link of the IOU into the pool. This link supports the adjustment of problematic data. Or the data is updated and adjusted according to special regulatory requirements, and finally enters the final confirmation stage of entering the pool 116. If there is no adjustment of the IOU in the pool 114, the confirmation of the IOU in the pool 115 can be completed directly for the subsequent asset pool output 117; 115 performs real-time inspection and verification of the IOU in the pool and the confirmed IOU in accordance with the rules, or conducts daily batch verification at the end of the day to ensure the accuracy of the data entering the subsequent stages; 116 The project initiator confirms the validity of the IOU in the pool, allocates the delivery price, and finally outputs the asset pool 116; 117 completes the establishment and output of the asset pool for delivery on the subsequent delivery day.

[0064] The processing method of financial business data provided by the embodiment of the present application is through collecting original data information, wherein the original data information is data information after summarizing the financial business data; determining multiple target data information that meet the preset rules in the original data information, wherein the preset rules are established by the parameters of the financial business data; creating target projects according to each target data information to obtain multiple target projects; according to the preset rules, aggregating the multiple target projects to obtain a first asset pool; and verifying each target project in the first asset pool according to the preset rules and the characteristic information of each target project, wherein the characteristic information of the target project includes at least one of the following: project number information corresponding to the target data information, project status information, project issuance quota information, project currency requirement project, and project delivery date information, thereby solving the problem that it is difficult to verify financial business data in the related art, resulting in difficulty in ensuring the accuracy of the data. By creating multiple target projects according to the preset rules and the target data information, aggregating the multiple target projects into the first asset pool, and verifying the target projects in the first asset pool according to the preset rules and the characteristic information of the target projects, the financial business data can be verified, thereby achieving the effect of ensuring the accuracy of the data.

[0065] It should be noted that the steps shown in the flowcharts of the accompanying drawings can be executed in a computer system such as a set of computer-executable instructions, and that, although a logical order is shown in the flowcharts, in some cases, the steps shown or described can be executed in an order different from that shown here.

[0066] The present application also provides a device for processing financial business data. It should be noted that the device for processing financial business data in the present application can be used to execute the method for processing financial business data provided in the present application. The following describes the device for processing financial business data provided in the present application.

[0067] Figure 3 Schematic diagram of a device for processing financial business data according to an embodiment of the present application. Figure 3 As shown, the apparatus includes: a first collecting unit 301 , a first determining unit 302 , a first creating unit 303 , a first processing unit 304 and a second processing unit 305 .

[0068] Specifically, the first collection unit 301 is used to collect original data information, wherein the original data information is data information obtained by summarizing financial business data;

[0069] A first determining unit 302 is configured to determine a plurality of target data information that conform to a preset rule in the original data information, wherein the preset rule is established by parameters of the financial business data;

[0070] The first creating unit 303 is used to create a target project according to each target data information to obtain multiple target projects;

[0071] The first processing unit 304 is configured to aggregate multiple target projects according to preset rules to obtain a first asset pool;

[0072] The second processing unit 305 is used to verify each target project in the first asset pool according to preset rules and characteristic information of each target project, wherein the characteristic information of the target project includes at least one of the following: project number information corresponding to the target data information, project status information, project issuance quota information, project currency requirement information, and project delivery date information.

[0073] In summary, the financial business data processing device provided by the embodiment of the present application collects original data information through the first collection unit 301, wherein the original data information is data information after summarizing the financial business data; the first determination unit 302 determines multiple target data information that meet the preset rules in the original data information, wherein the preset rules are established by the parameters of the financial business data; the first creation unit 303 creates target projects according to each target data information respectively, and obtains multiple target projects; the first processing unit 304 collects and processes the multiple target projects according to the preset rules to obtain a first asset pool; the second processing unit 305 verifies and processes each target project in the first asset pool according to the preset rules and the characteristic information of each target project, wherein the characteristic information of the target project includes at least one of the following: project number information corresponding to the target data information, project status information, project issuance quota information, project currency requirement project, and project delivery date information, which solves the problem in related technologies that it is difficult to verify financial business data, resulting in difficulty in ensuring the accuracy of the data. By creating multiple target projects according to preset rules and target data information, aggregating the multiple target projects into a first asset pool, and verifying the target projects in the first asset pool according to the preset rules and the characteristic information of the target projects, the financial business data can be verified, thereby achieving the effect of ensuring the accuracy of the data.

[0074] Optionally, in the financial business data processing device provided in the embodiment of the present application, the device also includes: a first acquisition unit, used to obtain parameter information of the financial business data before determining multiple target data information that meets preset rules in the original data information, wherein the parameter information of the financial business data includes at least one of the following: loan type information, industry requirement information, loan default information, promissory note status information, loan attribute information, loan balance information, and regulatory requirement information; a first establishment unit, used to establish preset rules based on the parameter information of the financial business data.

[0075] Optionally, in the financial business data processing device provided in the embodiment of the present application, the device also includes: a first receiving unit, used to create a target project based on each target data information respectively, and after obtaining multiple target projects, receive a first target instruction, wherein the target instruction is used to instruct the collection processing of multiple target projects; a first response unit, used to respond to the first target instruction, collect and process the multiple target projects, and obtain a first asset pool.

[0076] Optionally, in the financial business data processing device provided in the embodiment of the present application, the device also includes: a first evaluation unit, used to perform risk assessment on each target data information in the multiple target projects before aggregating and processing the multiple target projects according to preset rules to obtain the first asset pool, and determine the target data information with risks; a first elimination unit, used to eliminate the target data information with risks in the multiple target projects.

[0077] Optionally, in the financial business data processing device provided in the embodiment of the present application, the device also includes: a second receiving unit, used to receive a second target instruction after aggregating and processing multiple target projects according to preset rules to obtain a first asset pool, wherein the target instruction is used to instruct the approval of multiple target projects in the first asset pool; a second response unit, used to respond to the second target instruction, approve the multiple target projects, and obtain approval results; and a third processing unit, used to process target data information in the multiple target projects based on the approval results.

[0078] Optionally, in the financial business data processing device provided in the embodiment of the present application, the third processing unit includes: a first retention module, used to retain multiple target projects in the first asset pool when the approval result indicates that the approval is passed; a first adjustment module, used to adjust the target data information in the multiple target projects when the approval result indicates that the approval is not passed.

[0079] Optionally, in the financial business data processing device provided in the embodiment of the present application, the second processing unit includes: a first determination module, used to determine the target data information among multiple target projects; a first judgment module, used to judge whether there are target projects with the same target data information among multiple target projects; and a first prompt module, used to provide risk prompts for the target projects with the same target data information if there are target projects with the same target data information.

[0080] The financial business data processing device includes a processor and a memory. The above-mentioned first collection unit 301, first determination unit 302, first creation unit 303, first processing unit 304, and second processing unit 305 are all stored in the memory as program units, and the processor executes the above-mentioned program units stored in the memory to realize corresponding functions.

[0081] like Figure 4 As shown, the optional financial business data processing device includes: 001 basic database module, which mainly collects transaction information data during and after the implementation of credit business, specifically including: customer name, five-level classification, contract information, loan currency, current balance, overdue amount, arrears, default time, etc., reflecting the basic information business data of credit notes, and provides input information for 002 pool entry note information pre-collection module; 002 pool entry note information pre-collection module mainly processes the data collected by 001, and provides basic data source according to securitization project and rule deployment, and prepares for the subsequent automatic entry of notes into the pool; 003 business process parameter module predefines loan types, industry requirements, loan defaults, etc. Parameters such as situation, IOU status, loan attributes, loan balance, and regulatory requirements serve as called rules and run through the entire pool entry process, providing parameter support and rule triggering for the subsequent 005 pool entry process; the 004 project creation module establishes projects based on securitization project information, provides basic project information such as project number, status, issuance amount, currency requirements, and delivery date, and provides input for projects to be entered into the pool as part of the 005 pool entry process, as well as automatically triggering IOU delivery based on the delivery date; the 005 pool entry process, as the core function, provides the function of automatically loading pool data from the information of assets to be entered into the pool through predefined rules, and also provides the function of manually triggering pool entry by account managers, with strong flexibility and complete system functions. After pooling, the superior institution must review and approve the selected IOUs. Prior to approval, the predefined parameter model in 003 can be used to verify and check the IOUs. After approval, these IOUs are input into the 006 Special Data Processing module, which can adjust the data for any exceptions. The 006 Special Data Processing module primarily adjusts the data based on the pooled data, updating and adjusting IOUs that were mistakenly entered, deemed unnecessary by the head office, or omitted. During this process, the predefined parameter model in 003 can be used to verify and check the IOUs in real time, ultimately generating a list of pooled assets as output for the 007 Asset Pool. This process is more scientific and comprehensive, ensuring the accuracy of the asset pool. The 007 Asset Pool output, based on the 003 business process parameters, the 005 pooling process, and the 006 Special Data Processing, ultimately outputs the asset pool list for subsequent delivery and export.

[0082] In summary, when conducting financial business data transactions, the underlying assets can be quickly and accurately screened and dynamically verified. By integrating dispersed underlying customer asset information into the asset pool according to predefined rules and using an automatic pooling device, proposed assets are included in the asset pool after approval. The status of credit and loan notes is verified daily during and after the pooling phase, or in real time through manual business triggering of the verification device. This allows for timely monitoring of dynamic customer loan note information, ensuring that the asset pool data is accurate and meeting subsequent loan note delivery requirements.

[0083] The processor contains a kernel, which retrieves the corresponding program unit from the memory. One or more kernels can be set, and the financial business data can be verified by adjusting the kernel parameters.

[0084] The memory may include non-permanent memory in a computer-readable medium, random access memory (RAM) and / or non-volatile memory, such as read-only memory (ROM) or flash RAM, and the memory includes at least one memory chip.

[0085] An embodiment of the present invention provides a storage medium on which a program is stored. When the program is executed by a processor, the method for processing financial business data is implemented.

[0086] An embodiment of the present invention provides a processor, which is used to run a program, wherein the method for processing financial business data is executed when the program is run.

[0087] like Figure 5 As shown, an embodiment of the present invention provides an electronic device, the device includes a processor, a memory, and a program stored in the memory and executable on the processor, and when the processor executes the program, the following steps are implemented: collecting original data information, wherein the original data information is data information after summarizing financial business data; determining multiple target data information in the original data information that meet preset rules, wherein the preset rules are established by parameters of the financial business data; creating target projects based on each target data information respectively to obtain multiple target projects; according to the preset rules, aggregating the multiple target projects to obtain a first asset pool; according to the preset rules and characteristic information of each target project, verifying each target project in the first asset pool, wherein the characteristic information of the target project includes at least one of the following: project number information corresponding to the target data information, project status information, project issuance quota information, project currency requirement project, and project delivery date information.

[0088] When the processor executes the program, the following steps are also implemented: before determining multiple target data information in the original data information that meets the preset rules, the method also includes: obtaining parameter information of the financial business data, wherein the parameter information of the financial business data includes at least one of the following: loan type information, industry requirement information, loan default information, promissory note status information, loan attribute information, loan balance information, and regulatory requirement information; establishing the preset rules based on the parameter information of the financial business data.

[0089] When the processor executes the program, the following steps are also implemented: after creating a target project based on each target data information and obtaining multiple target projects, the method also includes: receiving a first target instruction, wherein the target instruction is used to instruct the multiple target projects to be aggregated; responding to the first target instruction, the multiple target projects are aggregated to obtain a first asset pool.

[0090] When the processor executes the program, the following steps are also implemented: before the multiple target projects are aggregated and processed according to the preset rules to obtain the first asset pool, the method also includes: performing a risk assessment on each target data information in the multiple target projects to determine the target data information that is at risk; and eliminating the target data information that is at risk in the multiple target projects.

[0091] When the processor executes the program, the following steps are also implemented: after the multiple target projects are aggregated and processed according to the preset rules to obtain the first asset pool, the method also includes: receiving a second target instruction, wherein the target instruction is used to instruct the approval of the multiple target projects in the first asset pool; responding to the second target instruction, approving the multiple target projects to obtain approval results; and processing the target data information in the multiple target projects based on the approval results.

[0092] When the processor executes the program, the following steps are also implemented: based on the approval result, the target data information in the multiple target projects is processed, including: when the approval result indicates that the approval is passed, the multiple target projects are retained in the first asset pool; when the approval result indicates that the approval is not passed, the target data information in the multiple target projects is adjusted.

[0093] When executing the program, the processor further implements the following steps: based on the preset rules and the characteristic information of each target item, verifying each target item in the first asset pool, including: determining target data information of multiple target items; determining whether there are target items with the same target data information among the multiple target items; and if there are target items with the same target data information, providing a risk warning for the target items with the same target data information. The device in this article can be a server, a PC, a PAD, a mobile phone, etc.

[0094] The present application also provides a computer program product, which, when executed on a data processing device, is suitable for executing an initialized program having the following method steps: collecting original data information, wherein the original data information is data information after summarizing financial business data; determining multiple target data information in the original data information that meet preset rules, wherein the preset rules are established by parameters of the financial business data; creating target projects based on each target data information respectively to obtain multiple target projects; according to the preset rules, aggregating the multiple target projects to obtain a first asset pool; according to the preset rules and characteristic information of each target project, verifying each target project in the first asset pool, wherein the characteristic information of the target project includes at least one of the following: project number information, project status information, project issuance quota information, project currency requirement project, and project delivery date information corresponding to the target data information.

[0095] When executed on a data processing device, it is also suitable for executing a program initialized with the following method steps: before determining multiple target data information that meet preset rules in the original data information, the method also includes: obtaining parameter information of the financial business data, wherein the parameter information of the financial business data includes at least one of the following: loan type information, industry requirement information, loan default information, promissory note status information, loan attribute information, loan balance information, and regulatory requirement information; establishing the preset rules based on the parameter information of the financial business data.

[0096] When executed on a data processing device, it is also suitable for executing an initialized program having the following method steps: after creating a target project based on each target data information respectively to obtain multiple target projects, the method also includes: receiving a first target instruction, wherein the target instruction is used to instruct the multiple target projects to be aggregated; in response to the first target instruction, the multiple target projects are aggregated to obtain a first asset pool.

[0097] When executed on a data processing device, it is also suitable for executing an initialized program having the following method steps: before aggregating the multiple target projects according to the preset rules to obtain the first asset pool, the method also includes: performing a risk assessment on each target data information in the multiple target projects to determine the target data information with risks; and eliminating the target data information with risks in the multiple target projects.

[0098] When executed on a data processing device, it is also suitable for executing an initialized program having the following method steps: after aggregating and processing the multiple target projects according to the preset rules to obtain a first asset pool, the method further includes: receiving a second target instruction, wherein the target instruction is used to instruct approval of the multiple target projects in the first asset pool; responding to the second target instruction, approving the multiple target projects to obtain approval results; and processing the target data information in the multiple target projects based on the approval results.

[0099] When executed on a data processing device, it is also suitable for executing an initialized program having the following method steps: based on the approval result, processing the target data information in the multiple target projects includes: when the approval result indicates that the approval is passed, retaining the multiple target projects in the first asset pool; when the approval result indicates that the approval is not passed, adjusting the target data information in the multiple target projects.

[0100] When executed on a data processing device, it is also suitable for executing an initialized program having the following method steps: verifying each target project in the first asset pool according to the preset rules and the characteristic information of each target project, including: determining the target data information of multiple target projects; judging whether there are target projects with the same target data information among the multiple target projects; if there are target projects with the same target data information, issuing risk warnings for the target projects with the same target data information.

[0101] Those skilled in the art will appreciate that the embodiments of the present application can be provided as methods, systems, or computer program products. Therefore, the present application can adopt the form of a complete hardware embodiment, a complete software embodiment, or an embodiment in combination with software and hardware. Moreover, the present application can adopt the form of a computer program product implemented on one or more computer-usable storage media (including but not limited to magnetic disk storage, CD-ROM, optical storage, etc.) that contain computer-usable program code.

[0102] The present application is described with reference to the flowcharts and / or block diagrams of the methods, devices (systems), and computer program products according to the embodiments of the present application. It should be understood that each process and / or box in the flowchart and / or block diagram, as well as the combination of the processes and / or boxes in the flowchart and / or block diagram, can be implemented by computer program instructions. These computer program instructions can be provided to a processor of a general-purpose computer, a special-purpose computer, an embedded processor, or other programmable data processing device to produce a machine, so that the instructions executed by the processor of the computer or other programmable data processing device generate instructions for implementing the steps in the process. Figure 1 a process or multiple processes and / or boxes Figure 1 A device that provides the functions specified in a block or multiple blocks.

[0103] These computer program instructions may 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, so that the instructions stored in the computer readable memory produce an article of manufacture comprising an instruction device, which implements the process Figure 1 a process or multiple processes and / or boxes Figure 1 The function specified in one or more boxes.

[0104] These computer program instructions can also be loaded onto a computer or other programmable data processing device so that a series of operational steps are executed on the computer or other programmable device to produce a computer-implemented process, thereby providing the instructions executed on the computer or other programmable device for implementing the process. Figure 1 a process or multiple processes and / or boxes Figure 1 A step that specifies a function in one or more boxes.

[0105] In a typical configuration, a computing device includes one or more processors (CPUs), input / output interfaces, network interfaces, and memory.

[0106] The memory may include non-permanent memory in a computer-readable medium, random access memory (RAM) and / or non-volatile memory in the form of read-only memory (ROM) or flash RAM. The memory is an example of a computer-readable medium.

[0107] Computer-readable media includes permanent and non-permanent, removable and non-removable media that can be implemented by any method or technology to store information. 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 technology, 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-transmission media that can be used to store information that can be accessed by a computing device. As defined herein, computer-readable media does not include transitory computer-readable media (transitory media), such as modulated data signals and carrier waves.

[0108] It should also be noted that the terms "comprises," "includes," or any other variations thereof are intended to encompass non-exclusive inclusion, such that a process, method, commodity, or apparatus that includes a series of elements includes not only those elements but also other elements not explicitly listed, or includes elements inherent to such process, method, commodity, or apparatus. In the absence of further limitations, an element defined by the phrase "comprises a ..." does not exclude the presence of other identical elements in the process, method, commodity, or apparatus that includes the element.

[0109] Those skilled in the art will appreciate that the embodiments of the present application may be provided as methods, systems, or computer program products. Therefore, the present application may take the form of a complete hardware embodiment, a complete software embodiment, or an embodiment combining software and hardware. Furthermore, the present application may take the form of a computer program product implemented on one or more computer-usable storage media (including but not limited to magnetic disk storage, CD-ROM, optical storage, etc.) containing computer-usable program code.

[0110] The above are merely embodiments of the present application and are not intended to limit the present application. For those skilled in the art, the present application may have various changes and variations. Any modifications, equivalent replacements, improvements, etc. made within the spirit and principles of the present application should all be included within the scope of the claims of the present application.

Claims

1. A method for processing financial business data, characterized in that: include: Collecting raw data information, wherein the raw data information is data information obtained by summarizing financial business data, the financial business data is transaction information data during and after the implementation of credit business, and the financial business data includes: business data reflecting basic information of credit notes; Determining a plurality of target data information that meet preset rules in the original data information, wherein the preset rules are established by parameters of the financial business data; Creating target projects respectively according to each target data information to obtain multiple target projects; According to the preset rules, the plurality of target projects are aggregated to obtain a first asset pool; Verify each target project in the first asset pool according to the preset rules and characteristic information of each target project, wherein the characteristic information of the target project includes at least one of the following: project number information corresponding to the target data information, project status information, project issuance quota information, project currency requirement information, and project delivery date information; After the plurality of target projects are aggregated according to the preset rules to obtain a first asset pool, the method further includes: receiving a second target instruction, wherein the target instruction is used to instruct approval of multiple target projects in the first asset pool; In response to the second target instruction, the plurality of target projects are reviewed and approved to obtain an approval result; Processing target data information in the multiple target projects according to the approval result; Based on the preset rules and the characteristic information of each target project, each target project in the first asset pool is verified and processed, including: determining the target data information of multiple target projects; judging whether there are target projects with the same target data information among the multiple target projects; if there are target projects with the same target data information, then issuing risk warnings for the target projects with the same target data information.

2. The method according to claim 1, characterized in that Before aggregating the plurality of target projects according to the preset rules to obtain the first asset pool, the method further includes: Performing a risk assessment on each target data information in the multiple target projects to determine target data information with risks; Target data information with risks among the multiple target projects is eliminated.

3. The method according to claim 1, characterized in that Processing target data information in the plurality of target projects according to the approval result includes: If the approval result indicates that the approval is passed, retaining the plurality of target projects in the first asset pool; When the approval result indicates that the approval is not passed, the target data information in the multiple target items is adjusted.

4. The method according to claim 1, wherein Before determining a plurality of target data information that conforms to a preset rule in the original data information, the method further includes: Obtaining parameter information of the financial business data, wherein the parameter information of the financial business data includes at least one of the following: loan type information, industry requirement information, loan default information, loan note status information, loan attribute information, loan balance information, and regulatory requirement information; The preset rules are established based on the parameter information of the financial business data.

5. The method according to claim 1, wherein After creating a target project according to each target data information to obtain a plurality of target projects, the method further includes: receiving a first target instruction, wherein the target instruction is used to instruct to perform grouping processing on the plurality of target items; In response to the first target instruction, the plurality of target projects are aggregated to obtain a first asset pool.

6. A device for processing financial business data, characterized in that: include: A first collection unit is configured to collect raw data information, wherein the raw data information is data information obtained by summarizing financial business data, and the financial business data includes business data reflecting basic information of credit and loan notes; a first determining unit, configured to determine a plurality of target data information that conform to a preset rule in the original data information, wherein the preset rule is established by parameters of the financial business data; A first creating unit is used to create a target project according to each target data information to obtain multiple target projects; A first processing unit is configured to aggregate the plurality of target projects according to the preset rules to obtain a first asset pool; a second processing unit, configured to verify each target project in the first asset pool according to the preset rules and characteristic information of each target project, wherein the characteristic information of the target project includes at least one of the following: project number information corresponding to the target data information, project status information, project issuance quota information, project currency requirement information, and project delivery date information; The device further includes: a second receiving unit configured to receive a second target instruction after aggregating the plurality of target projects according to the preset rule to obtain a first asset pool, wherein the target instruction is used to instruct approval of the plurality of target projects in the first asset pool; a second responding unit configured to respond to the second target instruction, approve the plurality of target projects, and obtain approval results; and a third processing unit configured to process target data information in the plurality of target projects according to the approval results. The second processing unit includes: a first determination module, used to determine target data information among multiple target projects; a first judgment module, used to judge whether there are target projects with the same target data information among the multiple target projects; and a first prompt module, used to provide risk prompts for the target projects with the same target data information if there are target projects with the same target data information.

7. A computer-readable storage medium, characterized in that The storage medium includes a stored program, wherein the program executes the method for processing financial business data according to any one of claims 1 to 5.

8. An electronic device, characterized in that: It includes one or more processors and a memory, wherein the memory is used to store one or more programs, wherein when the one or more programs are executed by the one or more processors, the one or more processors implement the method for processing financial business data as described in any one of claims 1 to 5.

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