A financial product testing method, device, equipment and storage medium

Abstract

This invention discloses a testing method, apparatus, device, and storage medium for financial products, comprising: generating multiple forward test data elements and multiple reverse test data elements corresponding to the target financial product based on the scenario implementation requirements of the target financial product; generating a forward test dataset and a reverse test dataset corresponding to the target financial product based on the multiple forward test data elements and the multiple reverse test data elements; generating a full test dataset corresponding to the target financial product based on the forward test dataset and the reverse test dataset; and using the full test dataset to test the target financial product. The technical solution of this invention can construct full-service testing scenarios for financial products, improving the testing efficiency and accuracy of test results.

Description

Technical Field

[0001] Embodiments of the present invention relate to the field of data processing technology, and in particular to a testing method, device, equipment and storage medium for a financial product. Background Art

[0002] At present, with the development of Internet technology and the rapid growth of the number and types of financial products, more and more investors are beginning to buy financial products. The endless emergence of financial products has put forward higher requirements and challenges for R&D and testers. A large number of model verification and rule verification require a large amount of test data support, and this huge amount of test data needs to be pre-buried in scattered, various types of related test systems, waiting for the main test system to extract and verify at any time.

[0003] However, the automatic approval process of online financial products is a non-sequential, non-breakpoint "black box process", and testers must use a system with complex business verification logic and lack of a visual interface for testing. Since the test system needs to complete all logical judgments and model verifications at one time, but the test system has difficulty distinguishing the current test nodes, it is difficult for existing test methods to conduct node-specific testing; secondly, since a large amount of reverse test data is required during the test process, and a piece of reverse test data can only be used once, the construction of the test scenario becomes increasingly difficult. Summary of the invention

[0004] The embodiments of the present invention provide a testing method, device, equipment and storage medium for a financial product, which can realize the construction of a full-business testing scenario for a financial product, improve the testing efficiency of the financial product and the accuracy of the test results.

[0005] In a first aspect, an embodiment of the present invention provides a method for testing a financial product, the method comprising:

[0006] Generate multiple positive test data elements and multiple negative test data elements corresponding to the target financial product according to the scenario implementation requirements of the target financial product;

[0007] Generate a forward test data set and a reverse test data set corresponding to the target financial product according to the multiple forward test data elements and the multiple reverse test data elements;

[0008] A full test data set corresponding to the target financial product is generated according to the forward test data set and the reverse test data set, and the target financial product is tested using the full test data set.

[0009] Optionally, according to the scenario implementation requirements of the target financial product, multiple positive test data elements and multiple negative test data elements corresponding to the target financial product are generated, including:

[0010] Generate multiple positive test data elements corresponding to the target financial product according to the business scenario requirements of the target financial product;

[0011] According to the risk control scenario requirements of the target financial product, multiple reverse test data elements corresponding to the target financial product are generated.

[0012] Optionally, generating a forward test data set and a reverse test data set corresponding to the target financial product respectively according to the multiple forward test data elements and the multiple reverse test data elements, including:

[0013] Generating a forward test data set corresponding to the target financial product according to the multiple forward test data elements;

[0014] A reverse test data set corresponding to the target financial product is generated according to the multiple reverse test data elements and the forward test data set.

[0015] Optionally, based on the business scenario requirements of the target financial product, multiple positive test data elements corresponding to the target financial product are generated, including:

[0016] Acquire original base data corresponding to the target financial product, and select multiple target test data elements from the original base data;

[0017] According to the business scenario requirements of the target financial product, the multiple target test data elements are assigned values ​​to obtain the multiple positive test data elements.

[0018] Optionally, according to the risk control scenario requirements of the target financial product, multiple reverse test data elements corresponding to the target financial product are generated, including:

[0019] According to the risk control scenario requirements of the target financial product, the multiple target test data elements are assigned values ​​to obtain the multiple reverse test data elements.

[0020] Optionally, before obtaining the original base data corresponding to the target financial product, the method further includes:

[0021] Production data corresponding to the target financial product is obtained, and the production data is desensitized to obtain original base data corresponding to the target financial product.

[0022] Optionally, using the full test data set to test the target financial product includes:

[0023] A preset test system is used to test the target financial product according to the full test data set; the test system includes a main test system and at least one associated test system that interacts with the main test system.

[0024] In a second aspect, an embodiment of the present invention further provides a testing device for a financial product, the device comprising:

[0025] A data element generation module, used to generate a plurality of positive test data elements and a plurality of negative test data elements corresponding to the target financial product according to the scenario realization requirements of the target financial product;

[0026] A data set generation module, configured to generate a forward test data set and a reverse test data set corresponding to the target financial product according to the plurality of forward test data elements and the plurality of reverse test data elements;

[0027] A testing module is used to generate a full test data set corresponding to the target financial product based on the forward test data set and the reverse test data set, and use the full test data set to test the target financial product.

[0028] In a third aspect, an embodiment of the present invention further provides a computer device, the device comprising:

[0029] one or more processors;

[0030] A storage device for storing one or more programs;

[0031] When the one or more programs are executed by the one or more processors, the one or more processors implement a financial product testing method provided by any embodiment of the present invention.

[0032] In a fourth aspect, an embodiment of the present invention further provides a computer-readable storage medium having a computer program stored thereon, which, when executed by a processor, implements a financial product testing method provided by any embodiment of the present invention.

[0033] The technical solution of the embodiment of the present invention realizes the requirements of the scenario of the target financial product, generates multiple positive test data elements and multiple reverse test data elements corresponding to the target financial product, generates a forward test data set and a reverse test data set corresponding to the target financial product according to the multiple forward test data elements and the multiple reverse test data elements, generates a full test data set corresponding to the target financial product according to the forward test data set and the reverse test data set, and uses the full test data set to test the target financial product. The technical means can realize the construction of a full-business test scenario for the financial product and improve the testing efficiency of the financial product and the accuracy of the test results. BRIEF DESCRIPTION OF THE DRAWINGS

[0034] Figure 1 is a flow chart of a method for testing a financial product in Embodiment 1 of the present invention;

[0035] Figure 2 is a flow chart of a method for testing a financial product in Embodiment 2 of the present invention;

[0036] Figure 3 is a flow chart of a method for testing a financial product in Embodiment 3 of the present invention;

[0037] Figure 4 is a structural diagram of a testing device for a financial product in Embodiment 4 of the present invention;

[0038] Figure 5 It is a structural diagram of a computer device in Embodiment 5 of the present invention. DETAILED DESCRIPTION

[0039] The present invention will be further described in detail below in conjunction with the accompanying drawings and embodiments. It is to be understood that the specific embodiments described herein are only used to explain the present invention, rather than to limit the present invention. It should also be noted that, for ease of description, only parts related to the present invention, rather than all structures, are shown in the accompanying drawings.

[0040] Embodiment 1

[0041] Figure 1 This is a flow chart of a method for testing a financial product provided in Embodiment 1 of the present invention. This embodiment is applicable to the case where a tester tests a financial product. The method can be executed by a testing device for the financial product. The device can be implemented by software and / or hardware and can generally be integrated in a terminal or server with a data processing function. The method specifically includes the following steps:

[0042] Step 110: Generate multiple positive test data elements and multiple negative test data elements corresponding to the target financial product according to the scenario implementation requirements of the target financial product.

[0043] In this embodiment, the financial product may be a credit product, a fund product or other financial instruments, etc. Specifically, after receiving the requirement description of the target financial product, the requirement can be realized according to the scenario of the target financial product, the model elements and rule elements of the target financial product can be identified, and a plurality of positive test data elements and a plurality of negative test data elements corresponding to the target financial product can be obtained.

[0044] In a specific embodiment, the positive test data element and the reverse test data element may be constituent elements of the test data corresponding to the target financial product. Taking a credit product as an example, the test data element corresponding to the credit product may be the user's anti-money laundering risk flag, the user's national standard industry classification, etc.

[0045] Step 120: Generate a forward test data set and a reverse test data set corresponding to the target financial product according to the multiple forward test data elements and the multiple reverse test data elements.

[0046] In a specific embodiment, multiple positive test data elements may be combined to obtain a positive test data set corresponding to the target financial product; multiple negative test data elements may be combined to obtain a negative test data set corresponding to the target financial product.

[0047] Step 130: Generate a full test data set corresponding to the target financial product based on the forward test data set and the reverse test data set, and use the full test data set to test the target financial product.

[0048] In this embodiment, the forward test data set and the reverse test data set may be combined to obtain a full test data set corresponding to the target financial product, and the full test data set may be used to test the target financial product.

[0049] In this embodiment, in the face of the problems in the prior art that the test system finds it difficult to distinguish the current test points, conduct targeted test design, and construct a full range of test scenarios during the testing of financial products, this embodiment constructs a forward test data set and a reverse test data set to obtain a full range of test data sets covering all business scenarios, thereby realizing the construction of test scenarios, so that the testing methods of financial products reach an executable level, solving the problems in the prior art that it is difficult to conduct node-targeted testing and the test scenario construction is difficult, thereby improving the coverage and testing efficiency of financial product testing projects.

[0050] The technical solution of the embodiment of the present invention realizes the requirements of the scenario of the target financial product, generates multiple positive test data elements and multiple reverse test data elements corresponding to the target financial product, generates a forward test data set and a reverse test data set corresponding to the target financial product according to the multiple forward test data elements and the multiple reverse test data elements, generates a full test data set corresponding to the target financial product according to the forward test data set and the reverse test data set, and uses the full test data set to test the target financial product. The technical means can realize the construction of a full-business test scenario for the financial product and improve the testing efficiency of the financial product and the accuracy of the test results.

[0051] Embodiment 2

[0052] This embodiment is a further refinement of the above embodiment. The explanation of terms that are the same or corresponding to those in the above embodiment will not be repeated in this embodiment. Figure 2 This is a flow chart of a testing method for a financial product provided in the second embodiment. In this embodiment, the technical solution of this embodiment can be combined with one or more methods in the solutions of the above embodiments, such as Figure 2 As shown, the method provided in this embodiment may also include:

[0053] Step 210: Generate multiple positive test data elements corresponding to the target financial product according to the business scenario requirements of the target financial product.

[0054] In this embodiment, the financial product testing method may be executed by a preset main testing system and an associated testing system that performs information interaction with the main testing system.

[0055] In this step, the model elements and rule elements of the target financial product can be described according to the business scenario requirements of the target financial product and the calling relationship between the interface level between the main test system and the associated system, and multiple positive test data elements corresponding to the target financial product can be obtained. Specifically, the positive test data element can be a key element that describes the user information in multiple dimensions, such as the user's age, anti-money laundering risk indicator, and the national standard industry classification of the user.

[0056] Step 220: Generate multiple reverse test data elements corresponding to the target financial product according to the risk control scenario requirements of the target financial product.

[0057] In this embodiment, the model elements and rule elements of the target financial product can be described according to the risk control scenario requirements of the target financial product (such as the boundary value of model judgment, abnormal scenarios and rejection domain of rule judgment, etc.), and multiple reverse test data elements corresponding to the target financial product can be obtained.

[0058] Step 230: Generate a forward test data set corresponding to the target financial product based on the multiple forward test data elements.

[0059] In a specific embodiment, it is assumed that m positive test data elements are generated in step 210, namely: N1, N2, N3...N m , the positive test data set generated according to the m positive test data elements can be D = {N1, N2, N3 ... N m}.

[0060] Step 240: Generate a reverse test data set corresponding to the target financial product based on the multiple reverse test data elements and the forward test data set.

[0061] In this step, it is assumed that the following multiple reverse test data elements are generated through step 220: xy , x=1,2……m, y=1,2……n. Assuming m=30, n=6, through the above multiple reverse test data elements and the forward test data set, the generated reverse test data set can be E. Among them, E can be expressed as:

[0062] E={D 11 ,D 12 ,D 13 ,D 14 ,D 15 ,D 16 ,D 21 ,D 22 ,D 23 ,D 24 ...D xy}.

[0063] According to the above expression, D 11 = {R 11 ,N2,N3……N 30}; D 12 = {R 12 ,N2,N3……N 30}; D 13 = {R 13 ,N2,N3……N 30}; D 14 = {R 14 ,N2,N3……N 30}; D 15 = {R 15 ,N2,N3……N 30}; D 16 = {R 16 ,N2,N3……N 30}; D 21 = {N1, R 21 ,N3……N 30}; D 22 = {N1, R 22 ,N3……N 30}; D 23 = {N1, R 23 ,N3……N 30}; D 24 = {N1, R 24 ,N3……N 30}…and so on, until x=m, y=n.

[0064] Step 250: Generate a full test data set corresponding to the target financial product based on the forward test data set and the reverse test data set.

[0065] Step 260: Use a preset test system to test the target financial product according to the full test data set.

[0066] In this embodiment, the test system includes a main test system and at least one associated test system that interacts with the main test system. In the process of testing the target financial product, the main test system is generally a system for model verification and approval decision-making. The associated test system needs to provide business data to the main test system to assist the main test system in calculation and judgment, such as credit reporting system, rating system, etc. The associated test system also includes various systems that need to circulate in the transaction life cycle, such as channel end, management end, core system, etc.

[0067] The advantage of such a setting is that by jointly testing the target financial product through the main test system and the associated test system, the test time of the target financial product can be saved and the test efficiency can be improved.

[0068] The technical solution of the embodiment of the present invention generates multiple positive test data elements corresponding to the target financial product according to the business scenario requirements of the target financial product, generates multiple reverse test data elements corresponding to the target financial product according to the risk control scenario requirements of the target financial product, generates a forward test data set corresponding to the target financial product according to the multiple forward test data elements, generates a reverse test data set corresponding to the target financial product according to the multiple reverse test data elements and the forward test data set, generates a full test data set corresponding to the target financial product according to the forward test data set and the reverse test data set, uses a preset test system, and the technical means of testing the target financial product according to the full test data set can realize the construction of a full business test scenario for the financial product, and improve the testing efficiency of the financial product and the accuracy of the test results.

[0069] Embodiment 3

[0070] This embodiment is a further refinement of the above embodiment. The explanation of terms that are the same or corresponding to those in the above embodiment will not be repeated in this embodiment. Figure 3 This is a flow chart of a testing method for a financial product provided in the third embodiment. In this embodiment, the technical solution of this embodiment can be combined with one or more methods in the solutions of the above embodiments, such as Figure 3 As shown, the method provided in this embodiment may also include:

[0071] Step 310: Obtain original underlying data corresponding to the target financial product, and select multiple target test data elements from the original underlying data.

[0072] In this embodiment, the base data may be data acquired from the database before the performance test of the target financial product, except for the database dictionary table, and stored according to the business logic of the target financial product.

[0073] In this step, specifically, representative underlying data that can objectively and accurately reflect the data characteristics of the target financial product can be selected from the original underlying data corresponding to the target financial product as the target test data element.

[0074] In one implementation of this embodiment, before obtaining the original base data corresponding to the target financial product, it also includes: obtaining production data corresponding to the target financial product, desensitizing the production data, and obtaining the original base data corresponding to the target financial product.

[0075] The production data may be business data derived from the operation of the target financial product. After obtaining the production data, the production data may be desensitized according to standardized data desensitization rules (i.e., consistent with the desensitization rules for associated transaction data) to obtain the original underlying data.

[0076] The advantage of this setting is that it can maintain the original data characteristics, business rules and data relevance while desensitizing the data, thereby laying a better foundation for the subsequent selection of target test data elements and the construction of positive and negative test data.

[0077] Step 320: Assign values ​​to the multiple target test data elements according to the business scenario requirements of the target financial product to obtain multiple positive test data elements.

[0078] Step 330: assign values ​​to the multiple target test data elements according to the risk control scenario requirements of the target financial product to obtain multiple reverse test data elements.

[0079] Step 340: Generate a forward test data set and a reverse test data set corresponding to the target financial product according to the multiple forward test data elements and the multiple reverse test data elements.

[0080] Step 350: Generate a full test data set corresponding to the target financial product based on the forward test data set and the reverse test data set, and use the full test data set to test the target financial product.

[0081] The technical solution of the embodiment of the present invention obtains original base data corresponding to the target financial product, selects multiple target test data elements from the original base data, assigns values ​​to the multiple target test data elements according to the business scenario requirements of the target financial product to obtain multiple forward test data elements, assigns values ​​to the multiple target test data elements according to the risk control scenario requirements of the target financial product to obtain multiple reverse test data elements, generates a forward test data set and a reverse test data set corresponding to the target financial product according to the multiple forward test data elements and the multiple reverse test data elements, generates a full test data set corresponding to the target financial product according to the forward test data set and the reverse test data set, and uses the full test data set to test the target financial product. Technical means can realize the construction of a full business test scenario for financial products and improve the testing efficiency of financial products and the accuracy of test results.

[0082] Embodiment 4

[0083] Figure 4 This is a structural diagram of a testing device for a financial product provided in a fourth embodiment of the present invention. The device includes: a data element generation module 410, a data set generation module 420 and a testing module 430.

[0084] The data element generation module 410 is used to generate a plurality of positive test data elements and a plurality of negative test data elements corresponding to the target financial product according to the scenario realization requirements of the target financial product;

[0085] A data set generation module 420, configured to generate a forward test data set and a reverse test data set corresponding to the target financial product according to the plurality of forward test data elements and the plurality of reverse test data elements;

[0086] The testing module 430 is used to generate a full test data set corresponding to the target financial product according to the forward test data set and the reverse test data set, and use the full test data set to test the target financial product.

[0087] The technical solution of the embodiment of the present invention realizes the requirements of the scenario of the target financial product, generates multiple positive test data elements and multiple reverse test data elements corresponding to the target financial product, generates a forward test data set and a reverse test data set corresponding to the target financial product according to the multiple forward test data elements and the multiple reverse test data elements, generates a full test data set corresponding to the target financial product according to the forward test data set and the reverse test data set, and uses the full test data set to test the target financial product. The technical means can realize the construction of a full-business test scenario for the financial product and improve the testing efficiency of the financial product and the accuracy of the test results.

[0088] Based on the above embodiments, the data element generation module 410 may include:

[0089] A positive data element generation unit, used to generate a plurality of positive test data elements corresponding to the target financial product according to the business scenario requirements of the target financial product;

[0090] A reverse data element generation unit, used to generate a plurality of reverse test data elements corresponding to the target financial product according to the risk control scenario requirements of the target financial product;

[0091] A data element selection unit, used to obtain original base data corresponding to the target financial product, and select multiple target test data elements from the original base data;

[0092] A first data element assignment unit, configured to assign values ​​to the plurality of target test data elements according to business scenario requirements of a target financial product, to obtain the plurality of positive test data elements;

[0093] A second data element assignment unit, configured to assign values ​​to the plurality of target test data elements according to risk control scenario requirements of a target financial product, to obtain the plurality of reverse test data elements;

[0094] The desensitizing processing unit is used to obtain the production data corresponding to the target financial product, perform desensitizing processing on the production data, and obtain the original base data corresponding to the target financial product.

[0095] The data set generation module 420 may include:

[0096] A positive data set generating unit, configured to generate a positive test data set corresponding to the target financial product according to the plurality of positive test data elements;

[0097] A reverse data set generating unit is used to generate a reverse test data set corresponding to the target financial product according to the multiple reverse test data elements and the forward test data set.

[0098] The testing module 430 may include:

[0099] The product testing unit is used to use a preset testing system to test the target financial product according to the full test data set; the testing system includes a main testing system and at least one associated testing system that interacts with the main testing system.

[0100] The testing device for financial products provided in the embodiments of the present invention can execute the testing method for financial products provided in any embodiment of the present invention, and has the functional modules and beneficial effects corresponding to the execution method.

[0101] Embodiment 5

[0102] Figure 5 A schematic diagram of the structure of a computer device provided in Embodiment 5 of the present invention is shown in FIG. Figure 5 As shown, the computer device includes a processor 510, a memory 520, an input device 530, and an output device 540; the number of the processor 510 in the computer device can be one or more. Figure 5 A processor 510 is taken as an example; the processor 510, the memory 520, the input device 530 and the output device 540 in the computer device can be connected via a bus or other means. Figure 5 The example of the connection via bus is taken. The memory 520, as a computer-readable storage medium, can be used to store software programs, computer executable programs and modules, such as program instructions / modules corresponding to a test method for a financial product in any embodiment of the present invention (for example, a data element generation module 410, a data set generation module 420 and a test module 430 in a test device for a financial product). The processor 510 executes various functional applications and data processing of the computer device by running the software programs, instructions and modules stored in the memory 520, that is, implements the above-mentioned test method for a financial product. That is, when the program is executed by the processor, it implements:

[0103] Generate multiple positive test data elements and multiple negative test data elements corresponding to the target financial product according to the scenario implementation requirements of the target financial product;

[0104] Generate a forward test data set and a reverse test data set corresponding to the target financial product according to the multiple forward test data elements and the multiple reverse test data elements;

[0105] A full test data set corresponding to the target financial product is generated according to the forward test data set and the reverse test data set, and the target financial product is tested using the full test data set.

[0106] The memory 520 may mainly include a program storage area and a data storage area, wherein the program storage area may store an operating system, an application required for at least one function; the data storage area may store data created according to the use of the terminal, etc. In addition, the memory 520 may include a high-speed random access memory, and may also include a non-volatile memory, such as at least one disk storage device, a flash memory device, or other non-volatile solid-state storage device. In some instances, the memory 520 may further include a memory remotely arranged relative to the processor 510, and these remote memories may be connected to the computer device via a network. Examples of the above-mentioned network include, but are not limited to, the Internet, an intranet, a local area network, a mobile communication network, and a combination thereof. The input device 530 may be used to receive input digital or character information, and to generate key signal input related to user settings and function control of the computer device, and may include a keyboard and a mouse, etc. The output device 540 may include a display device such as a display screen.

[0107] Embodiment 6

[0108] Embodiment 6 of the present invention further provides a computer-readable storage medium on which a computer program is stored, and when the program is executed by a processor, the method described in any embodiment of the present invention is implemented. Of course, a computer-readable storage medium provided by an embodiment of the present invention can perform the relevant operations in a financial product testing method provided by any embodiment of the present invention. That is, when the program is executed by a processor, the following is implemented:

[0109] Generate multiple positive test data elements and multiple negative test data elements corresponding to the target financial product according to the scenario implementation requirements of the target financial product;

[0110] Generate a forward test data set and a reverse test data set corresponding to the target financial product according to the multiple forward test data elements and the multiple reverse test data elements;

[0111] A full test data set corresponding to the target financial product is generated according to the forward test data set and the reverse test data set, and the target financial product is tested using the full test data set.

[0112] Through the above description of the implementation methods, the technicians in the relevant field can clearly understand that the present invention can be implemented by means of software and necessary general hardware, and of course it can also be implemented by hardware, but in many cases the former is a better implementation method. Based on such an understanding, the technical solution of the present invention, in essence, or the part that contributes to the prior art, can be embodied in the form of a software product, and the computer software product can be stored in a computer-readable storage medium, such as a computer floppy disk, read-only memory (ROM), random access memory (RAM), flash memory (FLASH), hard disk or optical disk, etc., including a number of instructions for a computer device (which can be a personal computer, server, or network device, etc.) to execute the methods described in each embodiment of the present invention.

[0113] It is worth noting that in the embodiment of the above-mentioned testing device for financial products, the various units and modules included are only divided according to functional logic, but are not limited to the above-mentioned division, as long as the corresponding functions can be achieved; in addition, the specific names of the functional units are only for the convenience of distinguishing each other, and are not used to limit the scope of protection of the present invention.

[0114] Note that the above are only preferred embodiments of the present invention and the technical principles used. Those skilled in the art will understand that the present invention is not limited to the specific embodiments described herein, and that various obvious changes, readjustments and substitutions can be made by those skilled in the art without departing from the scope of protection of the present invention. Therefore, although the present invention has been described in more detail through the above embodiments, the present invention is not limited to the above embodiments, and may include more other equivalent embodiments without departing from the concept of the present invention, and the scope of the present invention is determined by the scope of the appended claims.

Claims

1. A method for testing a financial product, characterized in that: The method comprises: Generate multiple positive test data elements and multiple negative test data elements corresponding to the target financial product according to the scenario implementation requirements of the target financial product; Generate a forward test data set and a reverse test data set corresponding to the target financial product according to the multiple forward test data elements and the multiple reverse test data elements; Generate a full test data set corresponding to the target financial product according to the forward test data set and the reverse test data set, and use the full test data set to test the target financial product; The method of generating a plurality of positive test data elements and a plurality of negative test data elements corresponding to the target financial product according to the scenario realization requirements of the target financial product includes: Generate multiple positive test data elements corresponding to the target financial product according to the business scenario requirements of the target financial product; wherein the positive test data elements are key elements that describe user information in multiple dimensions, and the positive test data elements include: user age, anti-money laundering risk indicator, and national standard industry classification of the user; Generate multiple reverse test data elements corresponding to the target financial product according to the risk control scenario requirements of the target financial product; wherein the risk control scenario requirements include the boundary value of model judgment, abnormal scenarios and rejection domain of rule judgment; The generating of a plurality of positive test data elements corresponding to the target financial product according to the business scenario requirements of the target financial product includes: Acquire original base data corresponding to the target financial product, and select multiple target test data elements from the original base data; Assigning values ​​to the multiple target test data elements according to the business scenario requirements of the target financial product to obtain the multiple positive test data elements; The generating of a plurality of reverse test data elements corresponding to the target financial product according to the risk control scenario requirements of the target financial product includes: According to the risk control scenario requirements of the target financial product, the multiple target test data elements are assigned values ​​to obtain the multiple reverse test data elements.

2. The method according to claim 1, characterized in that: According to the plurality of forward test data elements and the plurality of reverse test data elements, a forward test data set and a reverse test data set corresponding to the target financial product are respectively generated, including: Generating a forward test data set corresponding to the target financial product according to the multiple forward test data elements; A reverse test data set corresponding to the target financial product is generated according to the multiple reverse test data elements and the forward test data set.

3. The method according to claim 1, characterized in that Before obtaining the original base data corresponding to the target financial product, the method further includes: Production data corresponding to the target financial product is obtained, and the production data is desensitized to obtain original base data corresponding to the target financial product.

4. The method according to claim 1, characterized in that: Use the full test data set to test the target financial product, including: A preset test system is used to test the target financial product according to the full test data set; the test system includes a main test system and at least one associated test system that interacts with the main test system.

5. A testing device for financial products, characterized in that: The device comprises: A data element generation module, used to generate a plurality of positive test data elements and a plurality of negative test data elements corresponding to the target financial product according to the scenario realization requirements of the target financial product; A data set generation module, configured to generate a forward test data set and a reverse test data set corresponding to the target financial product according to the plurality of forward test data elements and the plurality of reverse test data elements; A testing module, configured to generate a full test data set corresponding to the target financial product according to the forward test data set and the reverse test data set, and use the full test data set to test the target financial product; The data element generation module comprises: A positive data element generation unit is used to generate a plurality of positive test data elements corresponding to the target financial product according to the business scenario requirements of the target financial product; wherein the positive test data element is a key element describing the user information through multiple dimensions, and the positive test data element includes: user age, anti-money laundering risk indicator, and national standard industry classification of the user; A reverse data element generation unit, used to generate a plurality of reverse test data elements corresponding to the target financial product according to the risk control scenario requirements of the target financial product; wherein the risk control scenario requirements include the boundary value of model judgment, abnormal scenarios and rejection domain of rule judgment; A data element selection unit, used to obtain original base data corresponding to the target financial product, and select multiple target test data elements from the original base data; A first data element assignment unit, configured to assign values ​​to the plurality of target test data elements according to business scenario requirements of a target financial product, to obtain the plurality of positive test data elements; The second data element assignment unit is used to assign values ​​to the multiple target test data elements according to the risk control scenario requirements of the target financial product to obtain the multiple reverse test data elements.

6. A computer device comprising: one or more processors; A storage device for storing one or more programs; When the one or more programs are executed by the one or more processors, the one or more processors implement the financial product testing method as described in any one of claims 1 to 4 when executing the programs.

7. A computer-readable storage medium having a computer program stored thereon, characterized in that: When the program is executed by a processor, the testing method for a financial product as described in any one of claims 1 to 4 is implemented.

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