A Ranking Aggregation Method and System for Wealth Management Products Based on Incomplete Evaluation

Abstract

The present invention relates to a method and system for aggregating rankings of wealth management products based on non-full evaluation. By combining the product of the evaluation coefficient and the excellent-to-poor index, the quantitative scores of each target product are obtained, and then an effective ranking of wealth management products is obtained on the basis of missing some user evaluations. It can effectively avoid the ambiguity, complexity and subjectivity existing in the quantitative index system of wealth management products, replace the original weighted comprehensive quantification method, improve the enthusiasm of customers to participate in quantitative wealth management products and the simplicity of quantitative wealth management products. At the same time, the accuracy of the quantitative results of wealth management products is improved, and an objective and comprehensive quantitative score and comprehensive ranking can be obtained.

Description

Technical Field

[0001] The present invention relates to the technical field of data quantitative analysis and processing, and in particular to a method and system for aggregating the rankings of wealth management products based on non-full evaluation. Background Art

[0002] In a unified quantitative index system for wealth management products, there are deficiencies such as fuzzy index definitions, diverse index system contents, and strong subjectivity in index quantification, resulting in unclear quantitative indicators for customers during the quantification of wealth management products, customer resistance to item-by-item scoring, and inaccurate quantitative results due to the use of weighted quantification methods. Using a ranking aggregation algorithm is a preferred solution to address such problems.

[0003] However, traditional ranking aggregation algorithms mainly construct a weighted topological graph based on competitive weights for in-degree and out-degree analysis. Due to the difficulty in constructing the topological graph and the complexity of calculating competitive weights, they are not applicable to quantitative objects with a large quantity scale. At the same time, traditional ranking aggregation algorithms only use the proportion of in-degree and out-degree to measure the ranking order, resulting in often unreasonable and incorrect ranking results. If a participant abandons the evaluation, it will seriously affect the ranking of a certain quantitative object, making the obtained results not have ideal reference significance. Summary of the Invention

[0004] To solve the deficiencies of the prior art, the present invention proposes a method and system for aggregating the rankings of wealth management products based on non-full evaluation, which can effectively avoid the fuzziness, complexity, and subjectivity existing in the quantitative index system of wealth management products, replace the original weighted comprehensive quantification method, improve the enthusiasm of customers to participate in the quantification of wealth management products and the simplicity of quantifying wealth management products. At the same time, it improves the accuracy of the quantitative results of wealth management products and can obtain the most objective and comprehensive quantitative score and comprehensive ranking.

[0005] To achieve the above objectives, the technical solutions adopted by the present invention include:

[0006] A method for aggregating the rankings of wealth management products based on non-full evaluation, characterized by comprising:

[0007] S1. Obtain the evaluation data set of wealth management products;

[0008] S2. Statistically obtain the total number of users and the total number of target products according to the evaluation data set;

[0009] S3. Establish an evaluation comprehensive ranking with the target product as the abscissa and the user as the ordinate to obtain the first ranking matrix;

[0010] S4. Calculate the ranking weight and the number of user evaluations for each target product using the first ranking matrix. The ranking weight is the sum of the values ranked by all users of the target product, and the number of user evaluations is the number of users who give valid user scores to the target product.

[0011] S5. Calculate the ratio of the ranking weight to the number of user evaluations to obtain the evaluation coefficient for each target product.

[0012] S6. Adjust the order of each target product according to the evaluation coefficient to obtain the second ranking matrix.

[0013] Further, the method further includes:

[0014] S7. Calculate the number of favorable evaluations and the number of unfavorable evaluations for each target product using the first ranking matrix. The number of favorable evaluations is the number of users who rank the corresponding target product at or above 50% of the total number of target products, and the number of unfavorable evaluations is the number of users who rank the corresponding target product below 50% of the total number of target products.

[0015] S8. Calculate the ratio of the number of favorable evaluations to the number of unfavorable evaluations to obtain the favorable-unfavorable index for each target product.

[0016] S9. Calculate the product of the evaluation coefficient and the favorable-unfavorable index to obtain the quantitative score for each target product, and adjust the order of each target product according to the quantitative score to obtain the third ranking matrix.

[0017] Further, the obtaining of the first ranking matrix includes:

[0018] Record the target products not evaluated by users as 0 in the first ranking matrix.

[0019] Further, step S7 includes:

[0020] When the total number of target products is odd, classify the users who evaluate at the median position as the number of favorable evaluations,

[0021] Or, when the total number of target products is odd, do not count the users who evaluate at the median position.

[0022] Further, the favorable-unfavorable index is rounded to two decimal places.

[0023] Further, step S9 further includes:

[0024] When the quantitative scores of two or more target products are the same, use the evaluation coefficient to rank the two or more target products with the same quantitative score.

[0025] The present invention also relates to a wealth management product ranking aggregation system based on non-full evaluation, which is characterized by including:

[0026] An interaction module for obtaining an evaluation data set of financial products and merging a feedback ranking matrix;

[0027] A first ranking module for counting the total number of users and the total number of target products obtained, and establishing a first ranking matrix;

[0028] A second ranking module for calculating the ratio of the ranking weight to the number of user evaluations to obtain an evaluation coefficient for each target product, and adjusting the order of each target product according to the evaluation coefficient to obtain a second ranking matrix;

[0029] A third ranking module for calculating the product of the evaluation coefficient and the excellent - poor index to obtain a quantitative score for each target product, and adjusting the order of each target product according to the quantitative score to obtain a third ranking matrix.

[0030] The present invention also relates to a computer - readable storage medium, characterized in that a computer program is stored on the storage medium, and when the computer program is executed by a processor, the above - mentioned method is implemented.

[0031] The present invention also relates to an electronic device, characterized in that it includes a processor and a memory;

[0032] The memory is used for storing an evaluation data set;

[0033] The processor is used for executing the above - mentioned method by calling the evaluation data set.

[0034] The present invention also relates to a computer program product, including a computer program and / or instructions, characterized in that when the computer program and / or instructions are executed by a processor, the steps of the above - mentioned method are implemented.

[0035] The beneficial effects of the present invention are as follows:

[0036] By adopting the method and system for aggregating the rankings of financial products based on non - full evaluation of the present invention, the ambiguity, complexity and subjectivity existing in the quantitative index system of financial products can be effectively avoided, replacing the original weighted comprehensive quantification method. It can improve the enthusiasm of customers to participate in quantitative financial products and the simplicity of quantitative financial products. At the same time, it improves the accuracy of the quantitative results of financial products, and an objective and comprehensive quantitative score and comprehensive ranking can be obtained. Brief Description of the Drawings

[0037] Figure 1 It is a schematic flow chart of the method for aggregating the rankings of financial products based on non - full evaluation of the present invention.

[0038] Figure 2 It is a schematic structural diagram of the system for aggregating the rankings of financial products based on non - full evaluation of the present invention. Detailed Embodiments

[0039] For a clearer understanding of the content of the present invention, it will be described in detail in conjunction with the accompanying drawings and embodiments.

[0040] The first aspect of the present invention relates to a method with a step process as Figure 1 shown, including:

[0041] S1. Obtain the evaluation data set of the wealth management product.

[0042] For example, as shown in Table 1, a set of evaluation data sets includes wealth management products (target products) 1 to 5, and customers (users) 1 to 7 who give corresponding evaluations.

[0043] Table 1

[0044] Wealth Management Product 1 Wealth Management Product 2 Wealth Management Product 3 Wealth Management Product 4 Wealth Management Product 5 Customer 1 5 4 3 2 1 Customer 2 4 1 2 3 0 Customer 3 3 4 1 0 2 Customer 4 2 0 1 5 3 Customer 5 0 5 2 1 3 Customer 6 1 0 2 0 4 Customer 7 3 1 4 5 2

[0045] S2. Statistically obtain the total number of users and the total number of target products according to the evaluation data set.

[0046] Referring to Table 1, the total number of users is 7, and the total number of target products is 5.

[0047] S3. Establish an evaluation comprehensive ranking with the target product as the abscissa and the user as the ordinate to obtain the first ranking matrix. In particular, mark the target products not evaluated by the user as 0 in the first ranking matrix.

[0048] Referring to Table 1, the numerical part corresponding to Table 1 is the first ranking matrix for this ranking task, where the marked 0 part represents that the user has not made an effective evaluation of this product.

[0049] S4. Use the first ranking matrix to calculate the ranking weight and the number of user evaluations of each target product. The ranking weight is the sum of the numerical values of all user rankings of this target product, and the number of user evaluations is the number of users who give an effective user score to this target product.

[0050] S5. Calculate the ratio of the ranking weight and the number of user evaluations to obtain the evaluation coefficient of each target product.

[0051] Corresponding to the first ranking matrix shown in Table 1, the obtained ranking weights, the number of user evaluations, and the evaluation coefficients are shown in Table 2:

[0052] Table 2

[0053] Sorting Weight Number of User Evaluations Evaluation Coefficient Wealth Management Product 1 18 6 3.0 Wealth Management Product 2 15 5 3.0 Wealth Management Product 3 15 7 2.1 Wealth Management Product 4 16 5 3.2 Wealth Management Product 5 15 6 2.5

[0054] By calculating the evaluation coefficient, the influence of the unevaluated part can be eliminated.

[0055] S6. Adjust the order of each target product according to the evaluation coefficient to obtain the second ranking matrix.

[0056] S7. Calculate the number of favorable evaluations and the number of unfavorable evaluations for each target product using the first sorting matrix. The number of favorable evaluations is the number of users who rank the corresponding target product at or above the 50% position of the total number of target products, and the number of unfavorable evaluations is the number of users who rank the corresponding target product below the 50% position of the total number of target products.

[0057] When the total number of target products is odd, the 50% position cannot be directly determined. Users whose evaluations are at the median position can be classified as the number of favorable evaluations, or users whose evaluations are at the median position are not counted. Since the favorable-unfavorable index is a relative ratio, not counting the median value will not cause additional effects.

[0058] S8. Calculate the ratio of the number of favorable evaluations to the number of unfavorable evaluations to obtain the favorable-unfavorable index for each target product. Preferably, for unified calculation, the favorable-unfavorable index can be rounded to two decimal places.

[0059] Corresponding to the first sorting matrix shown in Table 1, the number of favorable evaluations, the number of unfavorable evaluations, the favorable-unfavorable index, and the quantitative score are shown in Table 3:

[0060] Table 3

[0061] Number of Advantage Evaluations Number of Disadvantage Evaluations Advantage-Disadvantage Index Quantitative Score Rank Wealth Management Product 1 4 2 2 6 3 Wealth Management Product 2 2 3 0.66 1.98 5 Wealth Management Product 3 6 1 6 12.6 1 Wealth Management Product 4 3 2 1.5 4.8 4 Wealth Management Product 5 5 1 5 12.5 2

[0062] By using the favorable-unfavorable index, the actual preference degree of users for each target product can be further clarified.

[0063] S9. Calculate the product of the evaluation coefficient and the favorable-unfavorable index to obtain the quantitative score for each target product, and adjust the order of each target product according to the quantitative score to obtain the third ranking matrix.

[0064] When the quantitative scores of two or more target products are the same, use the evaluation coefficient to rank the two or more target products with the same quantitative score, so as to clarify the overall ranking order.

[0065] Another aspect of the present invention also relates to a system, the structure of which is as Figure 2 shown, including:

[0066] An interaction module, configured to obtain the evaluation data set of the financial product and feedback the sorting matrix;

[0067] A first sorting module, configured to count the total number of users and the total number of target products, and establish a first sorting matrix;

[0068] A second sorting module, configured to calculate the ratio of the sorting weight to the number of user evaluations to obtain the evaluation coefficient for each target product, and adjust the order of each target product according to the evaluation coefficient to obtain the second ranking matrix;

[0069] A third sorting module, configured to calculate the product of the evaluation coefficient and the excellent-deficient index to obtain the quantization scores of each target product, and adjust the order of each target product according to the quantization scores to obtain a third ranking matrix.

[0070] By using this system, the above-mentioned arithmetic processing method can be executed and the corresponding technical effects can be achieved.

[0071] An embodiment of the present invention further provides a computer-readable storage medium capable of implementing all the steps in the method in the above embodiment. A computer program is stored on the computer-readable storage medium, and when the computer program is executed by a processor, all the steps in the method in the above embodiment are implemented.

[0072] An embodiment of the present invention further provides an electronic device for executing the above method. As an implementation device of this method, the electronic device at least includes a processor and a memory. In particular, data and related computer programs required for executing the method, such as an evaluation data set, etc., are stored on the memory, and all the steps of the method are implemented by the processor calling the data and programs in the memory, and the corresponding technical effects are obtained.

[0073] Preferably, the electronic device may include a bus architecture. The bus may include any number of interconnected buses and bridges, and the bus links various circuits including one or more processors and memories together. The bus may also link various other circuits such as peripheral devices, voltage regulators, and power management circuits, etc., which are well known in the art, and therefore, they will not be further described herein. The bus interface provides an interface between the bus and the receiver and the transmitter. The receiver and the transmitter may be the same element, i.e., a transceiver, which provides a unit for communicating with various other systems on the transmission medium. The processor is responsible for managing the bus and general processing, and the memory may be used to store data used by the processor when executing operations.

[0074] Additionally, the electronic device may further include components such as a communication module, an input unit, an audio processor, a display, a power supply, etc. The processor (or controller, operation control) employed therein may include a microprocessor or other processor devices and / or logic devices, which receive inputs and control the operations of various components of the electronic device; the memory may be one or more of a buffer, a flash memory, a hard drive, a removable medium, a volatile memory, a non-volatile memory, or other suitable devices, capable of storing the above relevant data information, and may also store programs for executing relevant information, and the processor may execute the programs stored in the memory to achieve information storage or processing, etc.; the input unit is used to provide inputs to the processor, for example, it may be a key or a touch input device; the power supply is used to provide power to the electronic device; the display is used to display display objects such as images and texts, for example, it may be an LCD display. The communication module is a transmitter / receiver that transmits and receives signals via an antenna. The communication module (transmitter / receiver) is coupled to the processor to provide input signals and receive output signals, which may be the same as in the case of a conventional mobile communication terminal. Based on different communication technologies, multiple communication modules may be provided in the same electronic device, such as a cellular network module, a Bluetooth module, and / or a wireless local area network module, etc. The communication module (transmitter / receiver) is also coupled to the speaker and the microphone via the audio processor to provide audio output via the speaker and receive audio input from the microphone, thereby implementing the usual telecommunication functions. The audio processor may include any suitable buffer, decoder, amplifier, etc. Additionally, the audio processor is also coupled to the central processor, so that it is possible to record on the device through the microphone and play the sounds stored on the device through the speaker.

[0075] Those skilled in the art should understand that the embodiments of the present invention may be provided as a method, a system, or a computer program product. Therefore, the present invention may take the form of a completely hardware embodiment, a completely software embodiment, or an embodiment combining software and hardware aspects. Moreover, the present invention may take the form of a computer program product implemented on one or more computer-usable storage media (including but not limited to disk memory, CD-ROM, optical memory, etc.) containing computer-usable program code.

[0076] The present invention is described with reference to the flowcharts and / or block diagrams of methods, apparatuses (systems), and computer program products according to embodiments of the present invention. It should be understood that each flow and / or block in the flowchart and / or block diagram, and combinations of flows and / or blocks in the flowchart and / or block diagram, can be implemented by computer program instructions. These computer program instructions can be provided to the processors of general-purpose computers, special-purpose computers, embedded processors, or other programmable data processing devices to generate a machine, such that the instructions executed by the processors of the computer or other programmable data processing devices produce a system for implementing the functions specified in one flow Figure 1 one flow or multiple flows and / or blocks Figure 1 or multiple blocks.

[0077] These computer program instructions can also be stored in a computer-readable memory that can direct a computer or other programmable data processing device to work in a specific manner, such that the instructions stored in the computer-readable memory produce a manufactured article including an instruction system that implements the functions specified in one flow Figure 1 one flow or multiple flows and / or blocks Figure 1 or multiple blocks.

[0078] These computer program instructions can also be loaded onto a computer or other programmable data processing device, such that a series of operation steps are executed on the computer or other programmable device to generate a computer-implemented process, so that the instructions executed on the computer or other programmable device provide steps for implementing the functions specified in one flow Figure 1 one flow or multiple flows and / or blocks Figure 1 or multiple blocks. Although the preferred embodiments of the present invention have been described, those skilled in the art can make additional changes and modifications to these embodiments once they learn the basic creative concepts. Therefore, the appended claims are intended to be construed to include the preferred embodiments and all changes and modifications falling within the scope of the present invention.

[0079] The above is only the preferred specific implementation manner of the present invention, but the protection scope of the present invention is not limited thereto. Any changes or substitutions that can be easily thought of by those skilled in the art within the technical scope disclosed by the present invention should be covered by the protection scope of the present invention. Therefore, the protection scope of the present invention should be subject to the protection scope of the claims.

Claims

1. A ranking aggregation method for wealth management products based on non-full evaluation, characterized in that, Including: S1. Obtain the evaluation data set of wealth management products; S2. Statistically obtain the total number of users and the total number of target products according to the evaluation data set; S3. Establish an evaluation comprehensive ranking with the target products as the abscissa and the users as the ordinate to obtain the first ranking matrix; S4. Use the first ranking matrix to calculate the ranking weights and the number of user evaluations of each target product. The ranking weight is the sum value of the numerical rankings of all users of the target product, and the number of user evaluations is the number of users who give valid user scores to the target product; S5. Calculate the ratio of the ranking weight to the number of user evaluations to obtain the evaluation coefficient of each target product; S6. Adjust the order of each target product according to the evaluation coefficient to obtain the second ranking matrix; The method further includes: S7. Use the first ranking matrix to calculate the number of favorable evaluations and the number of unfavorable evaluations of each target product. The number of favorable evaluations is the number of users who rank the corresponding target product at the 50% or above position of the total number of target products, and the number of unfavorable evaluations is the number of users who rank the corresponding target product at the position below 50% of the total number of target products; S8. Calculate the ratio of the number of favorable evaluations to the number of unfavorable evaluations to obtain the excellent-to-poor index of each target product; S9. Calculate the product of the evaluation coefficient and the excellent-to-poor index to obtain the quantitative score of each target product, and adjust the order of each target product according to the quantitative score to obtain the third ranking matrix.

2. The method according to claim 1, characterized in that The obtaining of the first ranking matrix includes: Record the target products not evaluated by users as 0 in the first ranking matrix.

3. The method according to claim 1, wherein The step S7 includes: When the total number of target products is odd, classify the users evaluated at the median position as the number of favorable evaluations, Or, when the total number of target products is odd, do not count the users evaluated at the median position.

4. The method according to claim 1, wherein The excellent-to-poor index is rounded to two decimal places.

5. The method according to claim 1, wherein The step S9 further includes: When the quantitative scores of two or more target products are the same, use the evaluation coefficient to rank the two or more target products with the same quantitative score.

6. A wealth management product ranking aggregation system based on non-full evaluation, characterized in that, Including: An interaction module for obtaining the evaluation data set of wealth management products and feeding back the ranking matrix; A first ranking module for statistically obtaining the total number of users and the total number of target products and establishing the first ranking matrix; A second ranking module for calculating the ratio of the ranking weight to the number of user evaluations to obtain the evaluation coefficient of each target product, and adjusting the order of each target product according to the evaluation coefficient to obtain the second ranking matrix; A third ranking module for calculating the product of the evaluation coefficient and the excellent-to-poor index to obtain the quantitative score of each target product, and adjusting the order of each target product according to the quantitative score to obtain the third ranking matrix.

7. A computer-readable storage medium, characterized in that, A computer program is stored on the storage medium, and when the computer program is executed by a processor, the method described in any one of claims 1 to 5 is implemented.

8. An electronic device, characterized in that, Including a processor and a memory; The memory is used for storing the evaluation data set; The processor is used for executing the method described in any one of claims 1 to 5 by calling the evaluation data set.

9. A computer program product comprising a computer program and / or instructions, characterized in that, When the computer program and / or instruction is executed by the processor, the steps of the method described in any one of claims 1 to 5 are implemented.

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