Commercial bank business middle platform construction method, device, electronic device and storage medium

Abstract

The present application relates to the field of computer technology and provides a method, device, electronic device and storage medium for constructing a business middle platform of a commercial bank. The method comprises: sorting out the business process based on the business types of the target bank to obtain initial business information; clustering based on the initial business information to obtain clustering functions; abstract integration based on the clustering functions to obtain domain division results; dividing the capability centers according to the domain division results to obtain the business middle platform of the target bank. The present application can form a variety of business solutions and business capabilities because the combination and arrangement of the capability centers in the business middle platform can form a variety of business solutions and business capabilities, and can be called by front-end applications in the form of a software development kit, which effectively shortens the R&D cycle and improves R&D efficiency.

Description

Technical Field

[0001] The present application relates to the field of computer technology, and specifically to a method, device, electronic device and storage medium for constructing a commercial bank business middle platform. Background Art

[0002] Currently, the development of emerging internet finance is having a significant impact on the traditional banking industry, with customers' demand for differentiated financial services growing. While the fundamental differences between internet finance and traditional banking are relatively small, both focus on customers, channels, products, and risk management. However, differences exist in the personalized nature of business operations. Many commercial banks rely on independent systems to conduct their business, creating a "siloed" architecture. This leads to duplicated systems, poor reusability, and a lack of horizontal business sharing capabilities. Adding or changing business processes often requires significant development effort, resulting in long R&D cycles and low R&D efficiency. Summary of the Invention

[0003] The embodiments of the present application provide a commercial banking business middle platform construction method, device, electronic device and storage medium to solve the current technical problem of low R&D efficiency caused by long R&D cycle.

[0004] In a first aspect, an embodiment of the present application provides a method for constructing a commercial banking business middle platform, including:

[0005] Sorting out business processes based on the target bank's business types to obtain initial business information;

[0006] Performing clustering based on the initial business information to obtain a clustering function;

[0007] Based on the clustering function, abstract integration is performed to obtain domain division results;

[0008] Based on the field division results, the capability centers are divided to obtain the business middle platform of the target bank.

[0009] In one embodiment, the step of sorting out the business process based on the business types of the target bank to obtain initial business information includes:

[0010] Perform role identification on the target bank's business types to obtain the target role;

[0011] The business processes, business functions and business steps are listed according to the target role to obtain initial business information.

[0012] In one embodiment, the step of performing clustering based on the initial service information to obtain a clustering function includes:

[0013] Performing business object identification based on the initial business information to obtain a target business object;

[0014] Function clustering is performed based on the target business object to obtain clustering functions.

[0015] In one embodiment, after the step of performing function clustering based on the target business object to obtain clustering functions, the method further includes:

[0016] The clustering functions are sorted based on the time dimension to obtain a ranking function.

[0017] In one embodiment, the step of performing abstract integration based on the clustering function to obtain a domain division result includes:

[0018] Based on the preset model, the arrangement function is business abstracted and integrated to obtain the domain division result.

[0019] In one embodiment, the step of dividing the capability centers according to the field division results to obtain the target bank's business middle platform includes:

[0020] Determine the business boundaries and application scope based on the field division results;

[0021] Based on the business boundaries and the application scope, the capability centers are divided to obtain the business middle platform of the target bank.

[0022] In one embodiment, the business types include customer service perspective and financial supervision perspective.

[0023] In a second aspect, an embodiment of the present application provides a commercial banking business middle platform construction device, including:

[0024] The combing module is used to comb the business processes based on the business types of the target bank and obtain initial business information;

[0025] A clustering module, configured to perform clustering based on the initial service information to obtain a clustering function;

[0026] An abstract module is used to perform abstract integration based on the clustering function to obtain domain division results;

[0027] The division module is used to divide the capability centers according to the field division results to obtain the business middle platform of the target bank.

[0028] In a third aspect, an embodiment of the present application provides an electronic device comprising a processor and a memory storing a computer program, wherein when the processor executes the program, the steps of the commercial banking business middle platform construction method described in the first aspect or the second aspect are implemented.

[0029] In a fourth aspect, an embodiment of the present application provides a storage medium, which is a computer-readable storage medium. A commercial banking business middle-station construction program is stored on the computer-readable storage medium. When the commercial banking business middle-station construction program is executed by a processor, the steps of the commercial banking business middle-station construction method described in the first aspect or the second aspect are implemented.

[0030] The commercial bank business middle platform construction method, device, electronic device and storage medium provided in the embodiments of the present application sort out the business processes according to the business types of the target bank, perform clustering operations based on the obtained business information, and obtain the field division results; and divide the capability centers according to the field division results to obtain the business middle platform of the target bank. Since the combination and arrangement of the capability centers in the business middle platform can form a variety of business solutions and business capabilities, and are available for front-end application calls in the form of software development kits, the R&D cycle can be effectively shortened and the R&D efficiency can be improved. BRIEF DESCRIPTION OF THE DRAWINGS

[0031] In order to more clearly illustrate the technical solutions in the present application or the prior art, a brief introduction will be given below to the drawings required for use in the embodiments or the description of the prior art. Obviously, the drawings described below are some embodiments of the present application. For ordinary technicians in this field, other drawings can be obtained based on these drawings without any creative work.

[0032] Figure 1 This is one of the flow charts of the commercial banking business middle platform construction method provided in the embodiment of the present application;

[0033] Figure 2 This is one of the scenario diagrams of the commercial banking business middle platform construction method provided in the embodiment of the present application;

[0034] Figure 3 This is the second scenario diagram of the commercial banking business middle platform construction method provided in the embodiment of the present application;

[0035] Figure 4 Flowchart 2 of the method for constructing a commercial banking business middle platform provided in the embodiment of the present application;

[0036] Figure 5 Flowchart 3 of the method for constructing a commercial banking business middle platform provided in the embodiment of the present application;

[0037] Figure 6 Flowchart 4 of the method for constructing a commercial banking business middle platform provided in the embodiment of the present application;

[0038] Figure 7 This is a functional module diagram of an embodiment of a commercial banking business middle platform construction device of the present application;

[0039] Figure 8 It is a structural diagram of an electronic device provided in an embodiment of the present application. DETAILED DESCRIPTION

[0040] To make the objectives, technical solutions, and advantages of this application more clear, the technical solutions in this application will be clearly and completely described below in conjunction with the accompanying drawings in the embodiments of this application. Obviously, the described embodiments are only part of the embodiments of this application, not all of them. Based on the embodiments in this application, all other embodiments obtained by ordinary technicians in this field without making any creative efforts are within the scope of protection of this application.

[0041] Figure 1 This is one of the flow charts of the commercial banking business platform construction method provided in the embodiment of this application. Figure 1 , this application embodiment provides a commercial banking business middle platform construction method, which may include:

[0042] Step S100, sorting out the business processes based on the business types of the target bank to obtain initial business information;

[0043] The commercial banking business middle platform construction method in this embodiment can be applied to electronic devices such as smart phones, tablets, PCs, and servers. In this embodiment, the commercial banking business middle platform construction method can specifically be a commercial banking business middle platform construction method based on the domain-driven design theory, wherein the domain-driven design (DDD) theory is a design concept for dealing with highly complex domains. It builds domain models around business concepts to control the complexity of the business to solve the problem that the software is difficult to understand and difficult to evolve. It can help successfully develop complex business software systems so that the system remains agile as it grows. In dealing with highly complex software design, the domain-driven design method provides a good entry point: first, it allows each role in the team (from business to development and testing) to adopt a unified architectural language, thereby avoiding boundary dislocation in the component division process; second, it allows the business architecture and the system architecture to form a binding relationship, thereby establishing a highly responsive architecture to business changes.

[0044] The business middle platform demarcates business domains, refines common needs within those domains, and precipitates relatively stable and shareable business service capabilities, forming highly cohesive, low-coupling business-domain-oriented capability centers and creating a continuously evolving enterprise-level business capability sharing service platform. Furthermore, the business middle platform is intuitively represented by each capability center. Within the organizational structure of front-end, middle-end, and back-end, the business middle platform precipitates, iterates, and modularizes common capabilities that serve different front-end scenarios, providing professional capabilities for front-end business operations and innovation. This effectively shortens the R&D cycle and improves R&D efficiency.

[0045] It can be understood that when a bank specifically has a need to build a business middle platform for a commercial bank, it can select the required business types based on its own devices such as PCs, tablets, etc., and send a business middle platform construction request to the electronic device of this embodiment based on the selected business types, or directly select the business type on the electronic device of this embodiment, so that the electronic device can build the business middle platform based on its business type after receiving the business type of the bank.

[0046] Furthermore, the electronic device determines the bank that needs to build a business platform as the target bank, and determines the business type selected by the target bank. It should be noted that the business types in this embodiment include customer service perspective and financial supervision perspective; among them, Figure 2 As shown, Figure 2 This is one of the scenario diagrams of the commercial bank business middle platform construction method provided in the embodiment of the present application; the customer service perspective is to distinguish the business scope from the customer service perspective. Specifically, by distinguishing the external service objects of commercial banks to divide the business scope, it can be identified that commercial bank service entities can be classified into personal business, corporate business and interbank business. Further sorting out includes account services, deposit business, loan business, electronic banking business, investment and wealth management business, custody business, credit card business, foreign exchange business and financial market business. Account services can include account management, remittance services, bank card business, payment business, etc.; deposit business can include current business, fixed-term business, structured deposits, etc.; loan business includes personal loans, corporate loans, entrusted loans, bill business, etc.; electronic banking business includes online banking, mobile banking, information banking, etc.; investment and wealth management includes fund business, wealth management business, insurance business, precious metal business, treasury bonds / securities, etc.; custody business includes safe deposit box business.

[0047] Individual refers to natural person clients; corporate refers to corporate clients, meaning legal entities with whom a bank conducts business; and interbank refers to clients in the financial industry, including clients of banks, securities firms, insurance companies, trust companies, and funds. It should be noted that the terms individual, corporate, and interbank are common ways of categorizing clients in the banking industry and have no specific meaning.

[0048] And, the financial regulatory perspective is to distinguish the business scope from the financial regulatory perspective, such as Figure 3 As shown, Figure 3The second scenario diagram of the commercial bank business middle platform construction method provided for the embodiment of this application; specifically, the banking business can be divided into asset business, liability business, other business (off-balance sheet), etc., and then the business under each business classification can be further confirmed, that is, asset business includes loan business and bond business; liability business includes public deposits, savings deposits, interbank deposits, interbank borrowing, borrowing from the central bank, bond financing, accounts payable, contingent liabilities, etc.; other business encyclopedia payment and settlement business, bank card business, guarantee business, loan commitment business, wealth management business, interbank business, entrusted business, derivatives trading business, foreign exchange business, etc. This embodiment can specifically use the loan business as an example to demonstrate the construction of the commercial bank business middle platform.

[0049] After determining the business types of the target bank, the business processes of the business types are sorted out. Specifically, all roles of the business type are identified, and business processes, business functions and business steps are listed according to the roles. The obtained business processes are used as initial business information to facilitate subsequent clustering based on the initial business information to obtain clustering functions. Abstract integration is performed based on the clustering functions to obtain domain division results, and capability centers are divided according to the domain division results to obtain the business middle platform of the target bank, so that R&D can be carried out quickly based on the business middle platform to improve R&D efficiency.

[0050] Step S200, clustering is performed based on the initial business information to obtain a clustering function;

[0051] After obtaining the initial business information, this embodiment can perform business abstraction and business object identification from the bottom up based on the listed business processes, business functions and business steps, and further cluster the functions based on the identified business objects. After completing the preliminary clustering, the clustering function is obtained to facilitate subsequent abstraction and integration based on the clustering function to obtain the domain division results, and the capability center is divided according to the domain division results to obtain the business middle platform of the target bank, so that R&D can be carried out quickly based on the business middle platform to improve R&D efficiency.

[0052] Furthermore, after the step of performing function clustering based on the business objects to obtain clustering functions, the method further includes:

[0053] Step A: sorting the clustering functions based on the time dimension to obtain the arrangement function.

[0054] After obtaining the clustering functions, this embodiment can also sort the clustering functions according to the time dimension. Specifically, each clustering function can be re-sorted according to the business processing time dimension, and after the sorting is completed, a sorting function is obtained. This facilitates subsequent abstraction and integration based on the sorting functions to obtain domain division results, and then divides the capability centers based on the domain division results to obtain the business middle platform of the target bank, so that R&D can be quickly carried out based on the business middle platform, improving R&D efficiency.

[0055] Step S300, performing abstract integration based on the clustering function to obtain a domain division result;

[0056] After completing the preliminary clustering and sorting the obtained clustering functions, this embodiment introduces a model method based on the sorting function to perform business abstraction and integration. In one example, the financial e-commerce model can be used to perform business abstraction and integration of the arrangement function based on the time dimension, completing the preliminary division of the business field and obtaining the field division results. This is to facilitate the subsequent division of capability centers based on the field division results, and obtain the business middle platform of the target bank, so that R&D can be carried out quickly based on the business middle platform to improve R&D efficiency. Among them, financial e-commerce refers to: decomposing and clustering the model of the commercial bank's business processing process stage with reference to the e-commerce business.

[0057] Step S400: divide the capability centers according to the field division results to obtain the business middle platform of the target bank.

[0058] After obtaining the domain division results, this embodiment can determine the business boundaries and application scope according to the business management ideas, and comprehensively determine the division of capability centers in combination with the organizational structure model and the technical implementation method. After completing the division of capability centers, since the intuitive presentation of the business middle platform is each capability center, the business middle platform of the target bank is obtained. The commercial bank business middle platform construction method provided by the embodiment of the present application sorts out the business process through the business types of the target bank, performs clustering operations based on the obtained business information, and obtains the domain division results; and divides the capability centers according to the domain division results to obtain the business middle platform of the target bank. Since the permutations and combinations of the capability centers in the business middle platform can form a variety of business solutions and business capabilities, and are provided for front-end applications to call in the form of software development kits, the R&D cycle is effectively shortened and R&D efficiency can be improved.

[0059] This application can use a domain-driven design method, combining top-down layer-by-layer decomposition with bottom-up abstract integration and comprehensive analysis. By decomposing and sorting out business domains and business systems, general and public business services can be abstracted, a shared capability center can be established, and a business middle platform suitable for commercial banks can be constructed, so that R&D can be carried out quickly based on the business middle platform, thereby improving R&D efficiency.

[0060] It should be further explained that the business middle platform constructed by the commercial bank business middle platform construction method based on domain-driven design theory involved in the present invention has the characteristics of high cohesion and low coupling. The various business capability centers formed at each level of the capability center form a handle for rapid response to business development, which can accelerate response in business and better meet the diversified and personalized credit needs of institutions.

[0061] A capability center using this application method is highly scalable. By identifying common and evolving needs across business domains, it can facilitate the implementation of cross-domain business operations for commercial banks. The capability center fully summarizes and abstracts product and process models for credit business, enhancing the degree of componentization and reusability of business operations, shortening the demand development cycle, improving R&D efficiency, and reducing development iteration costs.

[0062] Figure 4 This is the second flow chart of the commercial banking business platform construction method provided in the embodiment of this application. Figure 4 In one embodiment, the step of combing the business process based on the business types of the target bank to obtain initial business information includes:

[0063] Step S101, performing role identification on the target bank's business types to obtain a target role;

[0064] Step S102 : List the business process, business functions and business steps according to the target role to obtain initial business information.

[0065] When combing the business processes based on the business types of the target bank, this embodiment can specifically realize role identification of the business types of the target bank through expert model traversal method, key link method, stakeholder activity analysis method or system reverse mapping method, and list the business processes, business functions and business steps according to the identified target roles, and use the obtained business processes as initial business information.

[0066] The execution steps of the expert model traversal method include: (1) identifying business stakeholders (listing all stakeholders), using symbols as examples: {A, B, C....}, where A, B, and C are used to represent stakeholders; (2) listing all business activities or steps related to the stakeholders based on the descriptions (interviews) of the identified stakeholders, specifically listing them one by one (this step may list steps or activities), using symbols as examples: {n, m, j, k, lo, p, q, r, s, t..}, where n, m, j, k, l, o, p, q, r, s, t are used To represent business activities or business steps; (3) Output around the previous step, that is, identify the business steps or activities one by one and classify them respectively; Supplement the business steps and rules around the identified business activities, using symbols as examples: {{n,m,j}; {o,p,q,r,s,t.}..}; (4) Attribute the steps to the business activities, remove overlaps and cluster the business steps and rules of each activity, and obtain the union of the business steps and rules of each activity (that is, cluster to identify key activities or steps), using symbols as examples: 1, {{o,p,q}∈n; {o,q} ∈m;{o,p,q,r}∈j;....};2、{{[o,p],q}∈n;{o,q}∈m;{o,p,q,r}∈j;....};3、{{[o],q}∈n;{o,q}∈m;{o,p,q,r}∈j;....};(5) Traverse the stakeholders and identified activities; experts judge whether the stakeholders and business activities are related one by one, output the relationship set, remove the irrelevant relationship set, and use symbols as examples: {{A,n};{A,m};{A,j};{B,n};{B,m};{ B,j}.....}; (6) Through the arrangement and combination of business activities, a process set is formed. Using symbols as examples, there are: {{n,m,j}; {n,j,m}; {m,n,j}; {m,j,n}; {j,n,m}; {j,m,n}...}; (7) According to the dimension of stakeholders, in chronological order, combined with the fifth step relationship set, the process set is sorted out again to identify the final business process. Using symbols as examples, there are: A{{n,m,j}; {n,m,k}; {m,j}...}; B{{n,m,k}; {m,j}...}.

[0067] In this embodiment, the key link method can also be used to sort out business processes. The key link method specifically refers to the various roles in daily business selecting several business processes or product service functions (referred to as key paths) in the entire life cycle of the business, which involve the most people, have the most complex processing procedures, and have the longest business processing paths. Based on this function or business process, auxiliary functions are gradually expanded to sort out a panoramic view of the business. Specifically, the implementation steps of the critical link method include: (1) selecting key product / service functions or key processes through expert judgment; listing the business processes covering the key products / services or the business processes to which the key processes belong, and sorting them by business processes, using symbols as examples: {a, b, c....}, where a, b, c are used to represent different business processes; (2) listing the various business activities covering the key products / services or key processes, using symbols as examples: a{n, m,...}; b{j, k,.l..}; (3) listing the steps and rules of each key service or each business activity of the key process, using symbols as examples: a{n[1,2,5,6], m[3,4,5]..}; (4) identifying the auxiliary functions or services associated with each business activity or business step on the critical path, using symbols as examples: a{n[1,2,5,6], m[3,4,5],? [x,y,z](auxiliary)..}, where? Indicates possible business processes; (5) Identifies the business activities to which the auxiliary functions or services belong, using the symbol as an example: [x,y,z]∈Q; (6) Lists the business steps and rules of the business activities to which the auxiliary functions or services belong, using the symbol as an example: {Q[x,y,z,n],O...}; (7) Connects the various auxiliary activities to form an auxiliary business process for the key activities, using the symbol as an example: {Q,O,P...}.

[0068] In this embodiment, the system reverse mapping method can also be used to sort out business processes. The system reverse mapping method (bottom-up) specifically refers to identifying business processes based on the existing system of the commercial bank by sorting out the operating steps of the existing system. It should be noted that this method is applicable to situations based on existing business systems. Specifically, the execution steps of the system reverse mapping method include: (1) determining the number of systems existing in the commercial bank within the business line of this type, using symbols as an example: {X, Y, Z...}, where X, Y, and Z are used to represent different systems; (2) listing the menus and submenus one by one according to the function menu of the system in the first step, using symbols as an example: X{n, m, j, k, l...}; Y{a, b, c, d...}; Z{q, w, e, r...}; (3) listing the submenus according to the major categories of function menus, using symbols as an example: X{n[1, 2], m[3, 4, 5]..}; Y{a[5, 6], b[7, 8]...}; (4) identifying the page-related functions one by one in the submenu items to form function clusters, using symbols as an example: X {n[1(o,p),2(o,p)],m[3(r,s),4(r,s),5(r,s)]..};Y{n[1(o,p),2(o,p)],m[5(r,s),6(r,s),7(r,s)]..};(5) Combing with cross-system dimension, performing functional clustering comparison, merging similar items, and obtaining the cross-system union of the functional cluster. Using symbols as an example, we have: {n[1(o,p),2(o,p)];m[3(r,s),4(r,s),5(r,s),6(r,s),7(r,s)];o[3(d,s),4(f,s)]};(6) Sort the functional clusters in chronological order to form the corresponding business process. Using symbols as an example, we have: {n;o;m....}.

[0069] In this embodiment, the stakeholder activity analysis method can also be used to sort out the business process. The stakeholder activity analysis method specifically refers to identifying the business handling process, step rules, etc. one by one around the stakeholders related to the business type, listing the business process list one by one, and outputting a panoramic view of the credit business. Specifically, the execution steps of the stakeholder activity analysis method include: (1) identifying business stakeholders, using symbols as examples: {A, B, C...}, where A, B, and C are used to represent stakeholders; (2) identifying the related activities of business stakeholders one by one and listing them one by one, using symbols as examples: A{n, m, j, k, l...}; B{a, b, c, d...}; C{q, w, e, r...}; (3) listing the business steps and rules related to the stakeholders one by one around the key business activities of the stakeholders, using symbols as examples: A{n[1, 2], m[3, 4, 5]..}; B{n[5, 6], m[7, 8]...}; (4) forming the union of the business steps and business rules of each business activity, using symbols as examples That is: {n[1,2,5,6],m[3,4,5]..}; (5) The permutations and combinations between stakeholders, using symbols as examples, are: {A,B}; {A,C}; {B,C}; {A,B,C}; (6) According to the stakeholder combination, the business activities are listed one by one to form a preliminary stakeholder activity process (identify the interaction process between stakeholders), using symbols as examples, are: {A,B}{n,m,j}; {A,B}{n,j,m}; {A,B}{j,n,m}; {A,C}{n,p,q,j}; {A,C}{n,q,p}; {A,C}{q,p,m}; (7) Through the stakeholder activity process, identify the correct business process in chronological order, {A,B}{n,m,j}; {A,C}{n,q,p}.

[0070] Specifically, taking the credit business as an example, after comprehensively applying the above expert model traversal method to classify and list, we get the credit business process:

[0071] 1. Identify stakeholders involved in loan business: borrowers, guarantors, account managers, reviewers, approval personnel, loan disbursement personnel, and post-loan management personnel;

[0072] 2. List the business activities or steps related to stakeholders:

[0073] Borrowers: apply for loans, fill in application materials, check progress, use funds, repay...;

[0074] Guarantor: provide collateral, handle guarantee procedures, sign guarantee contract...;

[0075] Account Manager: Maintain customer information, collect loan application materials, verify customer identity, conduct loan investigations, implement guarantees, sign contracts, and archive files...;

[0076] Loan reviewers: review documents, conduct on-site verification, issue review opinions, and make loan recommendations...;

[0077] Loan approval personnel: make approval decisions, determine loan elements, propose risk prevention and control measures, and issue approval result reports...;

[0078] Loan disbursement personnel: check loan information, record loan disbursements...;

[0079] Post-loan management personnel: post-loan inspection, filling out post-loan inspection forms and reports, risk classification, loan collection...;

[0080] The final output set is: {apply for a loan, fill in application materials, check progress, use funds, repay, provide collateral, handle guarantee procedures, sign a guarantee contract, maintain customer information, collect loan application materials, verify customer identity, conduct loan investigation, implement guarantee, sign a contract, archive files, loan reviewers: review materials, conduct on-site verification, issue review opinions, make loan recommendations, make approval decisions, determine loan elements, propose risk prevention and control measures, issue approval result reports, check loan information, record loans, conduct post-loan inspections, fill in post-loan inspection forms and reports, classify risks, and collect loans...}.

[0081] 3. Output based on the previous step, that is, identify the business steps or activities one by one and classify them separately:

[0082] Applying for a loan: filling out application materials, providing collateral, completing guarantee procedures, collecting loan application materials, filing files...;

[0083] Customer information maintenance: collecting loan application materials, archiving files...;

[0084] Accept loan applications: collect loan application materials, verify customer identity...;

[0085] Loan investigation: loan investigation, securing guarantees, writing investigation reports...;

[0086] Loan review: review documents, conduct on-site verification, issue review opinions, and make loan recommendations...;

[0087] Loan approval: issuing review opinions...;

[0088] Contract signing: signing of contracts, signing of guarantee contracts...;

[0089] Implement guarantee: sign a guarantee contract...;

[0090] Loan issuance: check loan information, record loan issuance...;

[0091] Post-loan inspection: fill out post-loan inspection forms and reports, collect loans...;

[0092] Risk classification: Loan risk classification records...;

[0093] Loan collection: repayment reminders for each installment, overdue collection (verbal), overdue collection (SMS)...;

[0094] The final collection is {loan application, customer information maintenance, loan acceptance, loan investigation, loan review, loan approval, contract signing, implementation of guarantee, loan issuance, post-loan inspection, risk classification, loan collection}; {filling in application materials, providing collateral, handling guarantee procedures, collecting loan application materials, archiving files, customer identity verification, loan investigation, implementation of guarantee, writing investigation report, checking materials, on-site verification, issuing audit opinions, making loan recommendations, issuing audit opinions, signing contracts, signing guarantee contracts, checking loan materials, loan accounting, filling in post-loan inspection forms and reports, loan collection, loan risk classification records, repayment reminders for each period, overdue collection (verbal), overdue collection (text message)}.

[0095] 4. Assign steps to business activities, remove overlaps, and cluster the business steps and rules for each activity, such as:

[0096] Loan application {fill out application materials, provide collateral...}; Customer information maintenance {process guarantee procedures, collect loan application materials, archive files...}; Loan acceptance {collect loan application materials, verify customer identity...}; Loan investigation {verify customer identity, conduct loan investigation, secure collateral, prepare investigation report...}; Loan review {review materials, conduct on-site verification, issue review opinions, make loan recommendations...}; Loan approval {issue review opinions...}; Contract signing {sign contract, sign guarantee contract}; Loan disbursement {verify loan disbursement materials, record loan disbursements}; Post-loan inspection {generate post-loan inspection tasks, conduct on-site inspections, complete post-loan inspection forms, issue post-loan inspection reports}; Risk classification {generate risk classification tasks, analyze loan risk, conduct preliminary classification, approve and confirm classification results, adjust classification results}; Loan collection {complete post-loan inspection forms and reports, collect loans, collect overdue loans (verbal), collect overdue loans (text message)...};

[0097] 5. Traverse the stakeholders and identified activities, output the relationship set, and remove irrelevant relationship sets:

[0098] Borrower {loan application}, Borrower {customer information maintenance}, Borrower {loan investigation}, Borrower {contract signing}, Borrower {loan disbursement}, Borrower {post-loan inspection}, Borrower {loan collection}...; Guarantor {customer information maintenance}, Guarantor {loan investigation}, Guarantor {contract signing}...; Account manager {loan application}, Account manager {customer information maintenance}, Account manager {loan investigation}, Account manager {contract signing}, Account manager {loan disbursement}, Account manager {post-loan inspection}...;

[0099] 6. Form a process set through the arrangement and combination of business activities:

[0100] {Apply for a loan; maintain customer information}; {Apply for a loan; maintain customer information; investigate the loan}; {Apply for a loan; maintain customer information; investigate the loan; review the loan; approve the loan}; {Apply for a loan; maintain customer information; investigate the loan; review the loan; approve the loan; sign a contract}; {Apply for a loan; maintain customer information; investigate the loan; review the loan; approve the loan; sign a contract; disburse the loan}; {Apply for a loan; maintain customer information; investigate the loan; review the loan; approve the loan; sign a contract; disburse the loan; post-loan inspection; risk classification}.

[0101] 7. Arrange the processes in chronological order according to the stakeholder dimension and combine them with the relationship set in step 5 to sort out the process set again and identify the final business process:

[0102] Borrower {apply for a loan, maintain customer information, conduct loan investigation, sign a contract, issue a loan, conduct post-loan inspection, collect loan...}; Account Manager {apply for a loan; maintain customer information; conduct loan investigation; sign a contract; issue a loan; post-loan management;...}; Guarantor {apply for a loan; sign a contract...}; Reviewer {review a loan...}; Approval Officer {apply for a loan...}; Issuer {apply for a loan...}; Post-loan Manager {post-loan inspection; risk classification...}.

[0103] After applying the above methods to classify and list, we get a simple clustering list of credit business processes, as shown in Table 1 (only some key processes are intercepted):

[0104]

[0105]

[0106] Table 1

[0107] The business processes identified above are: (1) product management; (2) customer management; (3) quota management; (4) contract management; (5) ledger management; and (6) bill management. This embodiment can use the expert model traversal method, key link method, stakeholder activity analysis method, or system reverse mapping method to sort out the business processes based on the business types of the target bank, and use the output business processes as initial business information to facilitate subsequent clustering based on the initial business information to obtain clustering functions, clustering based on the clustering functions to obtain domain division results, and capability center division based on the domain division results to obtain the business middle platform of the target bank, so that R&D can be quickly carried out based on the business middle platform to improve R&D efficiency.

[0108] Figure 5 This is the third flow chart of the commercial bank business platform construction method provided in the embodiment of this application. Figure 5 In one embodiment, the step of performing clustering based on the initial service information to obtain a clustering function includes:

[0109] Step S201, identifying a business object based on the initial business information to obtain a target business object;

[0110] Step S202: performing function clustering based on the target business object to obtain clustering functions.

[0111] After obtaining the initial business information, this embodiment can perform business abstraction and business object identification from the bottom up to obtain the target business object, and further perform functional clustering around the target business object, thereby obtaining clustering functions. Specifically, the above content can be implemented in this embodiment through the four-color clustering model, wherein the four-color clustering model refers to identifying and sorting out business processes based on four methods: role, system, event, and command; the implementation steps of the four-color clustering model include: (1) according to the business process, identify the business entities (including roles) one by one through business events to generate event results; (2) list the output of event results one by one according to the time dimension; (3) according to the correlation and dependency between event results, abstract and summarize the event results one by one around the time state of the business entity to form functional clusters; (4) supplement the relevant attributes of the functional clusters. Taking the customer management module in the credit business of a commercial bank as an example, according to the four-color clustering model, after process analysis, it can be identified that the entire customer management is carried out around business entities such as individual customers, corporate customers, and group customers. The business entity is also the aggregate root that exchanges with the outside world, and then identify other business entities and the business function list related to the business entity according to the business process. Finally, similar functions are merged according to the business entity, and the function list is clustered into the business entity. It should be noted that after obtaining the clustering function, it is also necessary to sort the function clusters according to the time dimension to obtain the sorting function. In this embodiment, the clustering function can be obtained by clustering based on the initial business information using a four-color clustering model, so that the clustering function can be abstracted and integrated based on the clustering function to obtain the domain division results, and the capability center can be divided according to the domain division results to obtain the business middle platform of the target bank, so that R&D can be carried out quickly based on the business middle platform to improve R&D efficiency. Among them, the business abstraction and function clustering of the credit business (only part of it is intercepted) are shown in Table 2 below:

[0112]

[0113]

[0114] Table 2

[0115] In one embodiment, the step of performing abstract integration based on the clustering function to obtain a domain division result includes:

[0116] Step S301 : performing business abstraction integration on the arrangement function based on a preset model to obtain a domain division result.

[0117] After obtaining the clustering function and arranging the clustering function to obtain the arrangement function, this embodiment again introduces the model method for abstract integration, and combines the commercial bank's business and technical perspectives to form a domain division. Specifically, for the credit business middle platform in this embodiment, a financial e-commerce model can be used to perform business abstraction and integration of the arrangement function based on the time dimension to form a preliminary division of the business domain, confirm the scope and list of capability centers, and form the corresponding business entity model diagram and relationship attributes as the domain division result.

[0118] Financial e-commerce refers to the decomposition and clustering of commercial bank business process stages using the e-commerce business model. Chronologically, the e-commerce business process includes customer selection of products, price verification, order submission, merchant delivery, and after-sales service. For example, in the credit business, the corresponding stages include customer selection of loan products, price inquiry, bank quotation, contract signing, bank fulfillment, and customer fulfillment.

[0119] It should be noted that when performing business abstraction integration of the arrangement function based on the preset financial e-commerce model, it can be specifically as follows: identifying the domain objects of the arrangement function, and forming a preliminary division of the domain objects according to the root of the domain object context; re-dividing the domain model according to the business ideas or business management ideas, forming a distinction including the core domain, support domain and general domain, and obtaining the business entity model diagram and relationship attributes as the domain division result. This embodiment can perform business abstraction integration of the arrangement function according to the financial e-commerce model to obtain the domain division result, so as to facilitate the subsequent division of the capability center according to the domain division result, and obtain the business middle platform of the target bank, so that R&D can be carried out quickly based on the business middle platform, thereby improving R&D efficiency.

[0120] Figure 6 This is a flowchart of the method for constructing a commercial banking business platform provided in the embodiment of this application. Figure 6 In one embodiment, the step of dividing the capability centers according to the field division results to obtain the target bank's business middle platform includes:

[0121] Step S401, determining the business boundary and application scope according to the domain division result;

[0122] Step S402: divide the capability centers based on the business boundaries and the application scope to obtain the business middle platform of the target bank.

[0123] After obtaining the results of the domain division, based on the preliminary division results of the business domain (i.e., the domain division results), and in accordance with the business management approach, the business boundaries and application scope are determined, and the division of capability centers is further determined by combining the organizational structure model and the technology implementation method. Specifically, the division of commercial bank capability centers is usually based on the business process stage model (business management approach), the organizational structure management model (the management scope of each position of the commercial bank during business processing), and the technology similarity layering model (the difficulty of technology development and the boundaries of microservices). After the capability center is divided, within and between capability centers, based on the external orchestration and output of various dimensional capabilities, a multi-level external service capability output is formed, forming a first-level business capability for the business scenario level, a second-level business capability for the business process stage development, and a more detailed dimension of interface development, to obtain the target bank's business middle platform, so that R&D can be carried out quickly based on the business middle platform, improving R&D efficiency.

[0124] Furthermore, the present application also provides a commercial banking business middle platform construction device.

[0125] Reference Figure 7 , Figure 7 This is a functional module diagram of an embodiment of a commercial banking business middle platform construction device for this application.

[0126] The commercial banking business middle platform construction device includes:

[0127] A sorting module 100 is used to sort out the business processes based on the business types of the target bank and obtain initial business information;

[0128] A clustering module 200, configured to perform clustering based on the initial service information to obtain a clustering function;

[0129] An abstraction module 300 is used to perform abstract integration based on the clustering function to obtain a domain division result;

[0130] The division module 400 is used to divide the capability centers according to the field division results to obtain the business middle platform of the target bank.

[0131] Figure 8 An example of a physical structure diagram of an electronic device is shown below. Figure 8As shown, the electronic device may include: a processor 810, a communication interface 820, a memory 830, and a communication bus 840, wherein the processor 810, the communication interface 820, and the memory 830 communicate with each other via the communication bus 840. The processor 810 may call the computer program in the memory 830 to execute the steps of the commercial banking business platform construction method, for example, including:

[0132] Sorting out business processes based on the target bank's business types to obtain initial business information;

[0133] Performing clustering based on the initial business information to obtain a clustering function;

[0134] Based on the clustering function, abstract integration is performed to obtain domain division results;

[0135] Based on the field division results, the capability centers are divided to obtain the business middle platform of the target bank.

[0136] In addition, the logic instructions in the above-mentioned memory 830 can be implemented in the form of a software functional unit and can be stored in a computer-readable storage medium when sold or used as an independent product. Based on this understanding, the technical solution of the present application, or the part that contributes to the prior art, or the part of the technical solution, can be embodied in the form of a software product, which is stored in a storage medium and includes several instructions for enabling a computer device (which can be a personal computer, a server, or a network device, etc.) to execute all or part of the steps of the method described in each embodiment of the present application. The aforementioned storage medium includes: various media that can store program codes, such as a USB flash drive, a mobile hard disk, a read-only memory (ROM), a random access memory (RAM), a magnetic disk or an optical disk.

[0137] On the other hand, embodiments of the present application further provide a computer program product, comprising a computer program, which may be stored on a non-transitory computer-readable storage medium. When the computer program is executed by a processor, the computer can perform the steps of the commercial banking business middle platform construction method provided in the above embodiments, for example, including:

[0138] Sorting out business processes based on the target bank's business types to obtain initial business information;

[0139] Performing clustering based on the initial business information to obtain a clustering function;

[0140] Based on the clustering function, abstract integration is performed to obtain domain division results;

[0141] Based on the field division results, the capability centers are divided to obtain the business middle platform of the target bank.

[0142] On the other hand, an embodiment of the present application further provides a storage medium, which is a computer-readable storage medium. The computer-readable storage medium stores a computer program, which is used to cause a processor to execute the steps of the methods provided in the above embodiments, for example, including:

[0143] Sorting out business processes based on the target bank's business types to obtain initial business information;

[0144] Performing clustering based on the initial business information to obtain a clustering function;

[0145] Based on the clustering function, abstract integration is performed to obtain domain division results;

[0146] Based on the field division results, the capability centers are divided to obtain the business middle platform of the target bank.

[0147] The processor-readable storage medium can be any available medium or data storage device that can be accessed by the processor, including but not limited to magnetic storage (such as floppy disks, hard disks, magnetic tapes, magneto-optical disks (MO)), optical storage (such as CDs, DVDs, BDs, HVDs, etc.), and semiconductor storage (such as ROMs, EPROMs, EEPROMs, non-volatile memories (NANDFLASH), solid-state drives (SSDs)), etc.

[0148] The device embodiments described above are merely illustrative. The units described as separate components may or may not be physically separate, and the components shown as units may or may not be physical units, i.e., they may be located in one location or distributed across multiple network units. Some or all of the modules may be selected based on actual needs to achieve the objectives of the present embodiment. Persons of ordinary skill in the art will be able to understand and implement the present invention without inventive effort.

[0149] Through the description of the above embodiments, those skilled in the art can clearly understand that each embodiment can be implemented by means of software plus a necessary general hardware platform, or of course, by hardware. Based on this understanding, the essence of the above technical solution or the part that contributes to the existing technology can be embodied in the form of a software product. The computer software product can be stored in a computer-readable storage medium, such as ROM / RAM, a magnetic disk, an optical disk, etc., and includes a number of instructions for enabling a computer device (which can be a personal computer, a server, or a network device, etc.) to execute the methods described in each embodiment or certain parts of the embodiments.

[0150] Finally, it should be noted that the above embodiments are only used to illustrate the technical solutions of the present application, rather than to limit them. Although the present application has been described in detail with reference to the aforementioned embodiments, those skilled in the art should understand that they can still modify the technical solutions described in the aforementioned embodiments, or make equivalent replacements for some of the technical features therein. However, these modifications or replacements do not deviate the essence of the corresponding technical solutions from the spirit and scope of the technical solutions of the embodiments of the present application.

Claims

1. A method for constructing a commercial bank business platform, characterized in that: include: Sorting out business processes based on the target bank's business types to obtain initial business information; wherein, when sorting out business processes based on the target bank's business types, this is achieved through expert model traversal method, critical link method, stakeholder activity analysis method, or system reverse mapping method; Performing clustering based on the initial business information to obtain a clustering function; Based on the clustering function, abstract integration is performed to obtain domain division results; Based on the field division results, capability centers are divided to obtain the target bank's business middle platform; The step of performing clustering based on the initial service information to obtain a clustering function includes: Performing business object identification based on the initial business information to obtain a target business object; Performing function clustering based on the target business object to obtain clustering functions; After the step of performing function clustering based on the target business object to obtain clustering functions, the method further includes: Sorting the clustering functions based on the time dimension to obtain a permutation function; The step of performing abstract integration based on the clustering function to obtain a domain division result includes: The arrangement function is subjected to business abstraction and integration based on a preset model to obtain a domain division result; the preset model is a financial e-commerce model.

2. The commercial bank business middle platform construction method according to claim 1, characterized in that: The step of sorting out the business process based on the business types of the target bank to obtain initial business information includes: Perform role identification on the target bank's business types to obtain the target role; The business processes, business functions and business steps are listed according to the target role to obtain initial business information.

3. The commercial bank business platform construction method according to claim 1, characterized in that: The step of dividing the capability centers according to the field division results to obtain the business middle platform of the target bank includes: Determine the business boundaries and application scope based on the field division results; Based on the business boundaries and the application scope, the capability centers are divided to obtain the business middle platform of the target bank.

4. The commercial bank business platform construction method according to claim 1, characterized in that: The business types include customer service perspective and financial regulatory perspective.

5. A commercial bank business platform construction device, characterized in that: include: A combing module is used to comb business processes based on the target bank's business types to obtain initial business information; the combing of business processes based on the target bank's business types is achieved through expert model traversal method, key link method, stakeholder activity analysis method or system reverse mapping method; A clustering module, configured to perform clustering based on the initial service information to obtain a clustering function; An abstract module is used to perform abstract integration based on the clustering function to obtain domain division results; A division module, configured to divide the capability centers according to the field division results to obtain the business middle platform of the target bank; The clustering module is further configured to identify a business object based on the initial business information to obtain a target business object; and perform function clustering based on the target business object to obtain a clustering function; The clustering module is further configured to sort the clustering functions based on a time dimension to obtain an arrangement function; The combing module is also used to perform business abstraction integration of the arrangement function based on a preset model to obtain a domain division result; the preset model is a financial e-commerce model.

6. An electronic device comprising a processor and a memory storing a computer program, characterized in that: When the processor executes the computer program, the steps of the commercial banking business middle platform construction method described in any one of claims 1 to 4 are implemented.

7. A storage medium, wherein the storage medium is a computer-readable storage medium, characterized in that: The computer-readable storage medium stores a commercial banking business middle-station construction program, and when the commercial banking business middle-station construction program is executed by the processor, the steps of the commercial banking business middle-station construction method described in any one of claims 1 to 4 are implemented.

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