A method, device, equipment and readable storage medium for configuring financial products

Abstract

The present invention provides a configuration method, device, equipment and readable storage medium for financial products, which relates to the field of computer technology, including displaying a first object in a first area of ​​a display interface, wherein the first object includes at least two first sub-objects; obtaining a first fill-in operation, wherein the first selection operation includes an operation of filling in the name of a financial product or basic elements of a product for each of the first sub-objects; displaying a second object in a second area of ​​the display interface, wherein the second object includes at least two second sub-objects; obtaining a second fill-in operation, wherein the second fill-in operation includes an operation of filling in a calculation formula of a financial product for each of the second sub-objects; and generating the financial product based on the fill-in information of all the first sub-objects and the fill-in information of all the second sub-objects. The present invention can dynamically configure rules, can quickly respond to adjustments to external market rules and changes in risk measurement rules, and can achieve the purpose of "ready-to-use".

Description

Technical Field

[0001] The present invention relates to the field of computer technology, and in particular to a configuration method, device, equipment and readable storage medium for financial products. Background Art

[0002] The product types in the financial market are complex and diverse, and the products have different transaction structures. With the changes in financial policies, the deepening of financial market product innovation, and the rapid development of overseas business, the requirements for the rapid response speed of tradable products in different countries and different products are gradually increasing. At present, there is no method that supports flexible configuration and customized characteristic products. Summary of the invention

[0003] The purpose of the present invention is to provide a configuration method, device, equipment and readable storage medium of a financial product to improve the above-mentioned problem. In order to achieve the above-mentioned purpose, the technical solution adopted by the present invention is as follows:

[0004] In a first aspect, the present application provides a method for configuring a financial product, comprising: displaying a first object in a first area of ​​a display interface, the first object including at least two first sub-objects; obtaining a first fill-in operation, the first selection operation including an operation of filling in the name of a financial product or basic elements of a product for each of the first sub-objects; displaying a second object in a second area of ​​the display interface, the second object including at least two second sub-objects; obtaining a second fill-in operation, the second fill-in operation including an operation of filling in a calculation formula of the financial product for each of the second sub-objects; and generating the financial product based on the fill-in information of all the first sub-objects and the fill-in information of all the second sub-objects.

[0005] Furthermore, the displaying of the second object in the second area of ​​the display interface includes: obtaining a first click action, and determining whether the operation area of ​​the first click action is a first preset area; if the operation area of ​​the first click action is the first preset area, hiding the first object, and displaying a third object in the area where the first object is located, wherein the third object includes at least two third sub-objects, and each of the third sub-objects includes a basic product element of the financial product; obtaining a second click action, and determining whether the operation area of ​​the second click action is the second preset area; if the operation area of ​​the second click action is the second preset area, hiding the second object.

[0006] Furthermore, the obtaining of the first filling operation includes: extracting the product category of the financial product from all the basic elements of the product, and determining whether the product category information is information in the first preset table; if the product category information is information in the first preset table, determining whether there is product pricing information in all the basic elements of the product; if there is no product pricing information in all the basic elements of the product, displaying the information of the product structure to be improved in the first area of ​​the display interface.

[0007] Furthermore, the obtaining of the first filling operation then includes: extracting the spread in the basic elements of the product of the financial product, recording the payment interest rate as the product of the spread and a first dynamic variable, wherein the first dynamic variable is the pricing interest rate on the observation day when the financial product is traded.

[0008] Furthermore, generating the financial product based on the filled-in information of all the first sub-objects and the filled-in information of all the second sub-objects also includes: parsing the calculation formula to obtain first information, the first information including at least one transaction structure element information; extracting second information from a database based on the first information, the second information including data corresponding to each transaction structure element information; calculating cash flow based on the second information and the calculation formula; filling in a preset template based on the name of the financial product, the basic product elements of the financial product, the payment interest rate and the cash flow, and recording the filled preset template as the financial product.

[0009] Furthermore, the name of the financial product, the basic product elements of the financial product, the payment interest rate and the cash flow are filled into a preset template, and the filled preset template is recorded as the financial product. It also includes: sending the financial product to the verification end, and the financial product is used to trigger the verification end to confirm the correctness of the cash flow and activate the financial product.

[0010] In a second aspect, the present application also provides a configuration device for a financial product, comprising: a first display unit, used to display a first object in a first area of ​​a display interface, the first object including at least two first sub-objects; a first acquisition unit, used to acquire a first fill-in operation, the first selection operation including an operation of filling in the name of a financial product or basic elements of a product for each of the first sub-objects; a second display unit, used to display a second object in a second area of ​​the display interface, the second object including at least two second sub-objects; a second acquisition unit, used to acquire a second fill-in operation, the second fill-in operation including an operation of filling in a calculation formula of a financial product for each of the second sub-objects; and a product production unit, used to generate the financial product based on the fill-in information of all the first sub-objects and the fill-in information of all the second sub-objects.

[0011] Furthermore, the configuration device of the financial product also includes: a first judgment unit, used to obtain a first click action, and judge whether the operation area of ​​the first click action is a first preset area. If the operation area of ​​the first click action is the first preset area, the first object is hidden, and a third object is displayed in the area where the first object is located, the third object includes at least two third sub-objects, and each of the third sub-objects includes a basic product element of the financial product; a second judgment unit, used to obtain a second click action, and judge whether the operation area of ​​the second click action is the second preset area. If the operation area of ​​the second click action is the second preset area, the second object is hidden.

[0012] Furthermore, the first acquisition unit includes: a third judgment unit, which is used to extract the product category of the financial product from all the basic elements of the product, and judge whether the product category information is the information in the first preset table; if the product category information is the information in the first preset table, judge whether there is product pricing information in all the basic elements of the product; if there is no product pricing information in all the basic elements of the product, display the information of the product structure to be improved in the first area of ​​the display interface.

[0013] Furthermore, the configuration device of the financial product also includes: a first calculation unit, used to extract the spread in the basic elements of the product of the financial product, and record the payment interest rate as the product of the spread and a first dynamic variable, and the first dynamic variable is the pricing interest rate on the observation day when the financial product is traded.

[0014] Furthermore, the product production unit includes: a parsing unit, used to parse the calculation formula to obtain first information, the first information including at least one transaction structure element information; an extraction unit, used to extract second information from a database based on the first information, the second information including data corresponding to each transaction structure element information; a second calculation unit, used to calculate the cash flow based on the second information and the calculation formula; a filling unit, used to fill in a preset template according to the name of the financial product, the basic product elements of the financial product, the payment interest rate and the cash flow, and the filled preset template is recorded as the financial product.

[0015] Furthermore, the product production unit further includes: a verification unit, which is used to send the financial product to a verification end, and the financial product is used to trigger the verification end to confirm the correctness of the cash flow and activate the financial product.

[0016] In a third aspect, the present application also provides a configuration device for a financial product, including:

[0017] Memory for storing computer programs;

[0018] A processor is used to implement the steps of the configuration method of the financial product when executing the computer program.

[0019] In a fourth aspect, the present application further provides a readable storage medium having a computer program stored thereon, and when the computer program is executed by a processor, the steps of the above-mentioned configuration method based on financial products are implemented.

[0020] The beneficial effects of the present invention are:

[0021] The present invention dynamically configures rules, can quickly respond to external market rule adjustments and changes in risk measurement rules, and can achieve the purpose of "ready-to-use".

[0022] Other features and advantages of the present invention will be described in the following description, and partly become apparent from the description, or be understood by implementing the embodiments of the present invention. The purpose and other advantages of the present invention can be realized and obtained by the structures particularly pointed out in the written description, claims, and drawings. BRIEF DESCRIPTION OF THE DRAWINGS

[0023] In order to more clearly illustrate the technical solutions of the embodiments of the present invention, the drawings required for use in the embodiments are briefly introduced below. It should be understood that the following drawings only show certain embodiments of the present invention and therefore should not be regarded as limiting the scope. For ordinary technicians in this field, other related drawings can be obtained based on these drawings without creative work.

[0024] Figure 1 This is a flow chart of a configuration method for a financial product according to an embodiment of the present invention;

[0025] Figure 2 It is a schematic diagram of the structure of a configuration device for a financial product according to an embodiment of the present invention;

[0026] Figure 3 It is a schematic diagram of the configuration device structure of the financial product described in the embodiment of the present invention. DETAILED DESCRIPTION

[0027] In order to make the purpose, technical solutions and advantages of the embodiments of the present invention clearer, the technical solutions in the embodiments of the present invention will be clearly and completely described below in conjunction with the drawings in the embodiments of the present invention. Obviously, the described embodiments are part of the embodiments of the present invention, rather than all of the embodiments. The components of the embodiments of the present invention generally described and shown in the drawings here can be arranged and designed in various different configurations. Therefore, the following detailed description of the embodiments of the present invention provided in the drawings is not intended to limit the scope of the claimed invention, but merely represents selected embodiments of the present invention. Based on the embodiments in the present invention, all other embodiments obtained by ordinary technicians in this field without making creative work are within the scope of protection of the present invention.

[0028] It should be noted that similar reference numerals and letters represent similar items in the following drawings, so once an item is defined in one drawing, it does not need to be further defined and explained in the subsequent drawings. At the same time, in the description of the present invention, the terms "first", "second", etc. are only used to distinguish the description and cannot be understood as indicating or implying relative importance.

[0029] Embodiment 1:

[0030] This embodiment provides a method for configuring a financial product.

[0031] See also Figure 1 , the figure shows that the method includes step S100, step S200, step S700, step S800 and step S900.

[0032] S100: Display a first object in a first area of ​​a display interface, where the first object includes at least two first sub-objects.

[0033] It should be noted that in this step, the first sub-object is used to obtain the name of the financial product and the basic elements of the product, and the basic elements of the product are the type of financial product, the interest calculation method of the financial product, the interest start date of the financial product, the maturity date of the financial product and the transaction amount of the financial product. For those skilled in the art, corresponding prompt content can be added to the first sub-object so that the transaction operator can find the corresponding position for filling in each information. It should also be noted that the types of financial products include two levels: large types and small types. Through the above settings, financial products belonging to the same large category have certain similar processing rules. In this application, the amount of information input by the trader can be reduced according to the preset processing rules. For example, for the interest category, there can be a certain preset formula to fill in to reduce the input amount.

[0034] S200: Obtain a first filling operation, where the first selection operation includes an operation of filling in the name of a financial product or basic elements of the product for each first sub-object.

[0035] S700: Display a second object in a second area of ​​the display interface, where the second object includes at least two second sub-objects.

[0036] It should be noted that in the financial market business management system, a financial product includes a transaction book and a cash flow part. The transaction book shows transaction information, and the transaction cash flow shows the flow of funds. Therefore, in this method, it is also necessary to obtain the cash flow part of the financial product.

[0037] S800: Acquire a second filling operation, where the second filling operation includes an operation of filling in a calculation formula of a financial product for each second sub-object.

[0038] S900: Generate a financial product according to the filled-in information of all first sub-objects and the filled-in information of all second sub-objects.

[0039] It can be understood that in this step, the data is provided to the operator in a specific area, and the operator inputs it as needed, and finally generates financial products according to some major preset processing rules. Since both transaction bookkeeping and transaction cash flow are generated in a targeted manner, and the rules can be dynamically configured, it can quickly respond to the adjustment of external market rules and changes in risk measurement rules, and achieve the purpose of "ready-to-use".

[0040] Specifically, in the present application, steps S300 and S400 are also included.

[0041] S300. Obtain a first click action, and determine whether an operation area of ​​the first click action is a first preset area. If the operation area of ​​the first click action is the first preset area, hide the first object, and display a third object in the area where the first object is located. The third object includes at least two third sub-objects, and each third sub-object includes a basic product element of a financial product.

[0042] S400: Acquire a second click action, and determine whether an operation area of ​​the second click action is a second preset area. If the operation area of ​​the second click action is the second preset area, hide the second object.

[0043] In the application, the input information is displayed in the third object for confirmation by the filler, which reduces the possibility of incorrect information filling. At the same time, the arrangement of the basic elements of the product in the third sub-object can also be pre-defined in a customary arrangement order to increase the reading convenience.

[0044] Furthermore, in some specific embodiments, step S200 may also include step S210.

[0045] S210. Extract the major categories of financial products from all the basic elements of the products, and determine whether the major product category information is the information in the first preset table. If the major product category information is the information in the first preset table, determine whether there is product pricing information in all the basic elements of the products. If there is no product pricing information in all the basic elements of the products, display the information of the product structure to be improved in the first area of ​​the display interface.

[0046] It should be noted that in this method, the product structure also needs to be verified, that is, the information in the first preset table is necessary information for product pricing of certain product categories, such as bonds or bills, etc. If these financial products that require pricing information do not have the basic product elements of product pricing information.

[0047] Furthermore, in some specific embodiments, the present application also includes step S500.

[0048] S500, extracting the spread from the basic elements of the financial product, recording the payment interest rate as the product of the spread and the first dynamic variable, where the first dynamic variable is the pricing interest rate on the observation day when the financial product is traded.

[0049] In this application, by calculating the payment interest rate after the basic information of the product is filled in, some data calculations in the cash flow are completed in advance, reducing the amount of information input by traders.

[0050] In some specific embodiments, step S900 includes step S910, step S920, step S930 and step S940.

[0051] S910, analyzing the calculation formula to obtain first information, where the first information includes at least one transaction structure element information;

[0052] It should be noted that in this step, each variable of the calculation formula is parsed to facilitate calculations in subsequent steps. For example, in a specific embodiment, when defining the interest cash flow, it is defined as: PayRate = I$Index + V$Spread, PayAmount = NominalAmount*PayRate*interest factor. PayRate is the payment rate, I$Index is the pricing rate on the observation day, and V$Spread is the spread. PayAmount is the payment amount, and NominalAmount is the nominal principal of the transaction. The transaction structure elements corresponding to each financial product are calculated in the above manner.

[0053] S920, extracting second information from a database according to the first information, where the second information includes data corresponding to each transaction structure element information;

[0054] S930, calculating cash flow according to the second information and a calculation formula;

[0055] S940. Fill in the preset template according to the name of the financial product, the basic elements of the financial product, the payment interest rate and the cash flow, and record the filled preset template as the financial product.

[0056] In this step, the cash flow part is directly generated by the above method. Compared with the existing technology, the changes in market environment or risk measurement rules can be realized through the page configuration method, which can be adjusted in real time and is ready for use without code development.

[0057] In some specific embodiments, the calculation formula may be parsed to obtain the first information, the first information including at least one transaction structure element information, and the first information is stored in a database. The above information is stored in the database through the above steps for one-time use.

[0058] In some specific embodiments, step S900 also includes S950.

[0059] S950: Send the financial product to the verification end, where the financial product is used to trigger the verification end to confirm the correctness of the cash flow and activate the financial product.

[0060] In this step, by confirming the final financial product and finally activating the transaction, the stability of the financial system can be effectively protected.

[0061] Embodiment 2:

[0062] like Figure 3 As shown, this embodiment provides a configuration device for a financial product, the device comprising:

[0063] A first display unit 710, configured to display a first object in a first area of ​​a display interface, where the first object includes at least two first sub-objects;

[0064] A first acquisition unit 720 is used to acquire a first filling operation, where the first selection operation includes an operation of filling in the name of a financial product or basic elements of the product for each first sub-object;

[0065] A second display unit 770, configured to display a second object in a second area of ​​the display interface, where the second object includes at least two second sub-objects;

[0066] A second acquiring unit 780 is used to acquire a second filling operation, where the second filling operation includes an operation of filling in a calculation formula of a financial product for each second sub-object;

[0067] The product generating unit 790 is used to generate a financial product according to the filled-in information of all the first sub-objects and the filled-in information of all the second sub-objects.

[0068] In some specific embodiments, the device further comprises:

[0069] The first judgment unit 740 is used to obtain a first click action and judge whether the operation area of ​​the first click action is a first preset area. If the operation area of ​​the first click action is the first preset area, the first object is hidden, and a third object is displayed in the area where the first object is located, wherein the third object includes at least two third sub-objects, and each third sub-object includes a basic product element of a financial product;

[0070] The second judging unit 750 is used to obtain a second click action and judge whether the operation area of ​​the second click action is the second preset area. If the operation area of ​​the second click action is the second preset area, the second object is hidden.

[0071] In some specific embodiments, the first acquiring unit 720 includes:

[0072] The third judgment unit 721 is used to extract the major product categories of financial products from all the basic elements of the products, and to judge whether the major product category information is the information in the first preset table. If the major product category information is the information in the first preset table, it is judged whether there is product pricing information in all the basic elements of the products. If there is no product pricing information in all the basic elements of the products, the information of the product structure to be improved is displayed in the first area of ​​the display interface.

[0073] In some specific embodiments, the device further comprises:

[0074] The first calculation unit 760 is used to extract the spread from the basic elements of the financial product, and record the payment rate as the product of the spread and the first dynamic variable, where the first dynamic variable is the pricing rate on the observation day when the financial product is traded.

[0075] In some specific embodiments, the product generation unit 790 includes:

[0076] A parsing unit 791, configured to parse the calculation formula to obtain first information, where the first information includes at least one transaction structure element information;

[0077] An extraction unit 792, configured to extract second information from a database according to the first information, wherein the second information includes data corresponding to each transaction structure element information;

[0078] The second calculation unit 793 is used to calculate the cash flow according to the second information and the calculation formula;

[0079] The filling unit 794 is used to fill in the preset template according to the name of the financial product, the basic elements of the financial product, the payment interest rate and the cash flow, and the filled preset template is recorded as the financial product.

[0080] In some specific embodiments, the product production unit further includes:

[0081] The verification unit 795 is used to send the financial product to the verification end, and the financial product is used to trigger the verification end to confirm the correctness of the cash flow and activate the financial product.

[0082] It should be noted that, regarding the device in the above embodiment, the specific manner in which each module performs the operation has been described in detail in the embodiment of the method, and will not be elaborated here.

[0083] Embodiment 3:

[0084] Corresponding to the above method embodiment, this embodiment further provides a configuration device for a financial product. The configuration device for a financial product described below and the configuration method for a financial product described above can refer to each other.

[0085] Figure 3 FIG. 8 is a block diagram of a configuration device 800 for a financial product according to an exemplary embodiment. Figure 3 As shown, the configuration device 800 of the financial product may include: a processor 801 and a memory 802. The configuration device 800 of the financial product may also include one or more of a multimedia component 803, an I / O interface 804, and a communication component 805.

[0086] The processor 801 is used to control the overall operation of the configuration device 800 of the financial product to complete all or part of the steps in the configuration method of the financial product. The memory 802 is used to store various types of data to support the operation of the configuration device 800 of the financial product. For example, these data may include instructions for any application or method used to operate on the configuration device 800 of the financial product, and application-related data, such as contact data, sent and received messages, pictures, audio, video, etc. The memory 802 can be implemented by any type of volatile or non-volatile storage device or a combination thereof, such as static random access memory (Static Random Access Memory, referred to as SRAM), electrically erasable programmable read-only memory (Electrically Erasable Programmable Read-Only Memory, referred to as EEPROM), erasable programmable read-only memory (Erasable Programmable Read-Only Memory, referred to as EPROM), programmable read-only memory (Programmable Read-Only Memory, referred to as PROM), read-only memory (Read-Only Memory, referred to as ROM), magnetic memory, flash memory, magnetic disk or optical disk. The multimedia component 803 may include a screen and an audio component. The screen may be, for example, a touch screen, and the audio component is used to output and / or input audio signals. For example, the audio component may include a microphone for receiving external audio signals. The received audio signal may be further stored in the memory 802 or sent through the communication component 805. The audio component also includes at least one speaker for outputting audio signals. The I / O interface 804 provides an interface between the processor 801 and other interface modules, and the above-mentioned other interface modules may be keyboards, mice, buttons, etc. These buttons may be virtual buttons or physical buttons. The communication component 805 is used for wired or wireless communication between the configuration device 800 of the financial product and other devices. Wireless communication, such as Wi-Fi, Bluetooth, Near Field Communication (NFC), 2G, 3G or 4G, or a combination of one or more of them, so the corresponding communication component 805 may include: Wi-Fi module, Bluetooth module, NFC module.

[0087] In an exemplary embodiment, the configuration device 800 of the financial product can be implemented by one or more application specific integrated circuits (Application Specific Integrated Circuit, referred to as ASIC), digital signal processors (Digital Signal Processor, referred to as DSP), digital signal processing devices (Digital Signal Processing Device, referred to as DSPD), programmable logic devices (Programmable Logic Device, referred to as PLD), field programmable gate arrays (Field Programmable Gate Array, referred to as FPGA), controllers, microcontrollers, microprocessors or other electronic components, and are used to execute the above-mentioned financial product configuration method.

[0088] In another exemplary embodiment, a computer-readable storage medium including program instructions is also provided, and when the program instructions are executed by a processor, the steps of the above-mentioned configuration method of a financial product are implemented. For example, the computer-readable storage medium may be the above-mentioned memory 802 including program instructions, and the above-mentioned program instructions may be executed by the processor 801 of the configuration device 800 of the financial product to complete the above-mentioned configuration method of the financial product.

[0089] Embodiment 4:

[0090] Corresponding to the above method embodiment, a readable storage medium is also provided in this embodiment. The readable storage medium described below and the configuration method of a financial product described above can refer to each other.

[0091] A readable storage medium stores a computer program, which, when executed by a processor, implements the steps of the financial product configuration method of the above method embodiment.

[0092] The readable storage medium may specifically be a U disk, a mobile hard disk, a read-only memory (ROM), a random access memory (RAM), a magnetic disk or an optical disk, or other readable storage medium that can store program codes.

[0093] The above are only preferred embodiments of the present invention and are not intended to limit the present invention. For those skilled in the art, the present invention may have various modifications and variations. Any modification, equivalent replacement, improvement, etc. made within the spirit and principle of the present invention shall be included in the protection scope of the present invention.

[0094] The above are only specific embodiments of the present invention, but the protection scope of the present invention is not limited thereto. Any person skilled in the art can easily think of changes or substitutions within the technical scope disclosed by the present invention, which should be included in the protection scope of the present invention. Therefore, the protection scope of the present invention should be based on the protection scope of the claims.

Claims

1. A method for configuring a financial product, characterized in that: include: Displaying a first object in a first area of ​​a display interface, wherein the first object includes at least two first sub-objects; Obtaining a first filling operation, where the first filling operation includes an operation of filling in the name of a financial product or basic elements of the product for each of the first sub-objects; Displaying a second object in a second area of ​​the display interface, where the second object includes at least two second sub-objects; Acquire a second filling operation, where the second filling operation includes an operation of filling in a calculation formula of a financial product for each of the second sub-objects; generating the financial product according to the filled-in information of all the first sub-objects and the filled-in information of all the second sub-objects; The obtaining of the first filling operation then comprises: Extract the spread from the basic elements of the financial product, and record the payment rate as the product of the spread and a first dynamic variable, where the first dynamic variable is the pricing rate on the observation day when the financial product is traded; The generating the financial product according to the filled-in information of all the first sub-objects and the filled-in information of all the second sub-objects further includes: Parsing the calculation formula to obtain first information, wherein the first information includes at least one transaction structure element information; Extracting second information from a database according to the first information, the second information including data corresponding to each transaction structure element information; Calculate cash flow according to the second information and the calculation formula; Fill the name of the financial product, the basic elements of the financial product, the payment interest rate and the cash flow into the preset template, and record the filled preset template as the financial product; The name of the financial product, the basic elements of the financial product, the payment interest rate and the cash flow are filled into the preset template, and the preset template after filling is recorded as the financial product, and then further includes: The financial product is sent to a verification end, and the financial product is used to trigger the verification end to confirm the correctness of the cash flow and activate the financial product.

2. The method for configuring a financial product according to claim 1, characterized in that The displaying of the second object in the second area of ​​the display interface includes: Acquire a first click action, and determine whether an operation area of ​​the first click action is a first preset area; if the operation area of ​​the first click action is the first preset area, hide the first object, and display a third object in the area where the first object is located, wherein the third object includes at least two third sub-objects, and each of the third sub-objects includes a basic product element of the financial product; A second click action is acquired, and it is determined whether an operation area of ​​the second click action is a second preset area. If the operation area of ​​the second click action is the second preset area, the second object is hidden.

3. The method for configuring a financial product according to claim 1, characterized in that , the obtaining of the first filling operation includes: The major product category of the financial product is extracted from all the basic elements of the product, and it is determined whether the information of the major product category is the information in the first preset table. If the information of the major product category is the information in the first preset table, it is determined whether there is product pricing information in all the basic elements of the product. If there is no product pricing information in all the basic elements of the product, the information of the product structure to be improved is displayed in the first area of ​​the display interface.

4. A configuration device for a financial product, characterized in that: include: A first display unit, configured to display a first object in a first area of ​​a display interface, wherein the first object includes at least two first sub-objects; A first acquiring unit, configured to acquire a first filling operation, wherein the first filling operation includes an operation of filling in a name of a financial product or basic elements of the product for each of the first sub-objects; A second display unit, configured to display a second object in a second area of ​​the display interface, wherein the second object includes at least two second sub-objects; A second acquiring unit, configured to acquire a second filling operation, wherein the second filling operation includes an operation of filling in a calculation formula of a financial product for each of the second sub-objects; A product production unit, configured to generate the financial product according to the filled-in information of all the first sub-objects and the filled-in information of all the second sub-objects; The configuration device of the financial product also includes: A first calculation unit is used to extract the spread from the basic elements of the financial product, and record the payment rate as the product of the spread and a first dynamic variable, where the first dynamic variable is the pricing rate on the observation day when the financial product is traded; The product production unit includes: A parsing unit, configured to parse the calculation formula to obtain first information, wherein the first information includes at least one transaction structure element information; an extraction unit, configured to extract second information from a database according to the first information, wherein the second information includes data corresponding to each transaction structure element information; A second calculation unit, configured to calculate a cash flow according to the second information and the calculation formula; A filling unit, used to fill the name of the financial product, the basic elements of the financial product, the payment interest rate and the cash flow into a preset template, and the preset template after filling is recorded as the financial product; The product production unit also includes: The verification unit is used to send the financial product to the verification end, and the financial product is used to trigger the verification end to confirm the correctness of the cash flow and activate the financial product.

5. The financial product configuration device according to claim 4, characterized in that: The configuration device of the financial product also includes: a first judgment unit, configured to obtain a first click action, and judge whether an operation area of ​​the first click action is a first preset area; if the operation area of ​​the first click action is the first preset area, hiding the first object, and displaying a third object in the area where the first object is located, wherein the third object includes at least two third sub-objects, and each of the third sub-objects includes a basic product element of the financial product; The second judgment unit is used to obtain a second click action and judge whether an operation area of ​​the second click action is a second preset area. If the operation area of ​​the second click action is the second preset area, hiding the second object.

6. The financial product configuration device according to claim 4, characterized in that: The first acquiring unit includes: The third judgment unit is used to extract the product category of the financial product from all the basic elements of the product, and judge whether the information of the product category is the information in the first preset table. If the information of the product category is the information in the first preset table, judge whether there is product pricing information in all the basic elements of the product. If there is no product pricing information in all the basic elements of the product, display the information of the product structure to be improved in the first area of ​​the display interface.

7. A configuration device for a financial product, characterized in that: include: Memory for storing computer programs; A processor, configured to implement the steps of the method for configuring a financial product as claimed in any one of claims 1 to 3 when executing the computer program.

8. A readable storage medium, characterized in that: The readable storage medium stores a computer program, which, when executed by a processor, implements the steps of the method for configuring a financial product as claimed in any one of claims 1 to 3.

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