Product pre-marketing filing management method and device

Abstract

The application discloses a product pre-investment record management method and device, which can be applied to the financial field, and the method comprises the following steps: importing product information of a product to be managed, wherein the product information comprises a product category and financing guarantee subject information; if the product category is a standard product, obtaining market indexes and historical investment suggestion information of the product to be managed from a database; if the product category is a non-standard product, determining the market indexes and the historical suggestion information of the product to be managed according to the financing guarantee subject information and concentration degree analysis results; sending the market indexes and the historical suggestion information of the product to be managed to an evaluation group end for evaluation; receiving investment evaluation suggestion information fed back by the evaluation group end; and performing product pre-investment record management according to the investment evaluation suggestion information. The application can perform product pre-investment record management, form a closed-loop management mode, reduce maintenance cost and improve management quality and efficiency.

Description

Technical Field

[0001] This invention relates to the financial field, and more particularly to a method and apparatus for pre-investment product filing management. It should be noted that the method and apparatus of this invention can be used in the financial field, as well as in any other field; the application areas of the method and apparatus of this invention are not limited. Background Technology

[0002] This section is intended to provide background or context for the embodiments of the invention set forth in the claims. The description herein is not an admission that it is prior art simply because it is included in this section.

[0003] Currently, investment regulators need a clear review and filing process for information such as the types of securities and products that investment managers can invest in, the risk characteristics of financial products, and the investment performance of investment managers. Existing technology typically uses email submissions combined with manual approval for pre-investment product filing. This approach fails to comprehensively consider historical project approvals and lacks the ability to automatically screen risk lists and monitor counterparty concentration risk, resulting in high management costs and low efficiency.

[0004] Therefore, there is an urgent need for a product pre-launch registration management solution that can overcome the above problems. Summary of the Invention

[0005] This invention provides a method for pre-launch product registration management, which forms a closed-loop management model, reduces maintenance costs, and improves management efficiency. The method includes:

[0006] Import product information for products to be managed. This product information includes product category and financing guarantor information. The product categories include: standard products and non-standard products.

[0007] Based on the product category, the market indicators and historical recommendation information of the product to be managed are obtained as follows: if the product category is a standard product, the market indicators and historical investment recommendation information of the product to be managed are obtained from the database; if the product category is a non-standard product, the market indicators and historical recommendation information of the product to be managed are determined based on the financing guarantee entity information, concentration analysis results, and credit rating changes.

[0008] The market indicators and historical recommendation information of the products to be managed are sent to the review team for review.

[0009] Receive investment review suggestions from the review panel;

[0010] Based on the investment review recommendations, pre-investment filing management for products will be conducted.

[0011] This invention provides a product pre-deployment registration management device for managing product pre-deployment registration, forming a closed-loop management model, reducing maintenance costs, and improving management efficiency. The device includes:

[0012] The product information import module is used to import product information of products to be managed. The product information includes product category and financing guarantee entity information. The product category includes: standard products and non-standard products.

[0013] The indicator suggestion acquisition module is used to obtain the market indicators and historical suggestion information of the product to be managed according to the product category in the following manner: if the product category is a standard product, the market indicators and historical investment suggestion information of the product to be managed are obtained from the database; if the product category is a non-standard product, the market indicators and historical suggestion information of the product to be managed are determined according to the financing guarantee entity information, concentration analysis results, and credit rating changes.

[0014] The indicator suggestion sending module is used to send the market indicators and historical suggestion information of the product to be managed to the review group for review.

[0015] The review suggestion receiving module is used to receive investment review suggestion information from the review team.

[0016] The pre-investment filing management module is used to manage the pre-investment filing of products based on the investment review recommendations.

[0017] This invention also provides a computer device, including a memory, a processor, and a computer program stored in the memory and executable on the processor. When the processor executes the computer program, it implements the above-described product pre-launch filing management method.

[0018] This invention also provides a computer-readable storage medium storing a computer program, which, when executed by a processor, implements the above-described product pre-launch filing management method.

[0019] This invention also provides a computer program product, which includes a computer program that, when executed by a processor, implements the above-described pre-launch filing management method for products.

[0020] Compared with the existing technology that uses manual management for pre-investment product registration, this invention imports product information of the product to be managed. This product information includes product category and financing guarantee entity information. The product categories include: standardized products and non-standardized products. Based on the product category, market indicators and historical investment advice information of the product to be managed are obtained as follows: if the product category is standardized, the market indicators and historical investment advice information of the product to be managed are obtained from the database; if the product category is non-standardized, the market indicators and historical investment advice information of the product to be managed are determined based on the financing guarantee entity information, concentration analysis results, and credit rating changes. The market indicators and historical investment advice information of the product to be managed are then sent to the review group for review. Investment review advice information is received from the review group. Pre-investment product registration management is then performed based on the investment review advice information. This invention employs different methods to obtain market indicators and historical recommendation information for products under management based on product category. Specifically, if the product category is non-standard, the market indicators and historical recommendation information are determined based on financing guarantee entity information and concentration analysis results. This information is then sent to the review team for review. Pre-investment filing management is conducted based on the investment review recommendations from the review team, with the entire filing process being tracked. The approval process and operational steps are dynamically designed. During the review process, risk and return indicators are abstracted and made independent of the review process, and different indicators are mapped to different product types, forming a closed-loop management model that reduces maintenance costs and improves management efficiency. Attached Figure Description

[0021] To more clearly illustrate the technical solutions in the embodiments of the present invention or the prior art, the drawings used in the description of the embodiments or the prior art will be briefly introduced below. Obviously, the drawings described below are only some embodiments of the present invention. For those skilled in the art, other drawings can be obtained based on these drawings without creative effort. In the drawings:

[0022] Figure 1 This is a schematic diagram of the product pre-marketing registration management method in an embodiment of the present invention;

[0023] Figure 2 This is a flowchart illustrating the pre-submission filing management process for bidding products in a specific embodiment of the present invention;

[0024] Figure 3 This is a flowchart illustrating the pre-investment filing management process for non-standard products in a specific embodiment of the present invention;

[0025] Figures 4 to 13 This is a diagram of the product pre-launch filing management interface in a specific embodiment of the present invention;

[0026] Figure 14 This is a structural diagram of the product pre-marketing registration management device in an embodiment of the present invention;

[0027] Figure 15 This is a schematic diagram of the computer device structure according to an embodiment of the present invention. Detailed Implementation

[0028] To make the objectives, technical solutions, and advantages of the embodiments of the present invention clearer, the embodiments of the present invention will be further described in detail below with reference to the accompanying drawings. Here, the illustrative embodiments of the present invention and their descriptions are used to explain the present invention, but are not intended to limit the present invention.

[0029] First, the technical terms used in the embodiments of this invention will be introduced:

[0030] Pension products: These are standard investment portfolios of enterprise annuities issued by enterprise annuity investment managers and offered to enterprise annuity funds through targeted sales.

[0031] Asset securitization: Asset securitization refers to the process of issuing asset-backed securities (ABS) based on the future cash flows generated by underlying assets as repayment support, through structured design and credit enhancement. It is a form of financing that issues tradable securities backed by a specific asset portfolio or specific cash flows. Asset securitization refers only to asset securitization in a narrow sense.

[0032] Standardized bonds excluding ABS: Standardized bonds other than ABS.

[0033] Non-standard assets: Non-standard assets are also known as non-standard debt assets, which refer to debt assets that are not traded in the interbank market or securities exchange market. At the same time, the non-standard assets held by bank wealth management products are part of the non-standard assets of the banking system.

[0034] Maximum drawdown: Maximum drawdown refers to the maximum rate of return drawdown when the product's net asset value reaches its lowest point, at any historical point in the selected period.

[0035] Annualized volatility: Volatility is the degree of fluctuation in the price of a financial asset. It is a measure of the uncertainty of asset returns and is used to reflect the risk level of a financial asset. Annualized volatility refers to the degree of price fluctuation of a financial asset with a one-year investment horizon.

[0036] Downside standard deviation: Downside standard deviation is a variation of standard deviation, which mainly describes the risk under adverse return conditions, that is, the downside risk of individual bonds with a yield lower than the benchmark yield.

[0037] Sharpe Ratio: Sharpe Radio reflects the ratio of risk to reward, measuring the risk of portfolio returns. It calculates the excess return per unit by dividing the portion exceeding the risk-reward ratio by the standard deviation over a specified period. A higher ratio indicates a higher risk-adjusted return.

[0038] beta: The beta coefficient measures the volatility of a security or portfolio relative to the overall market, and assesses the systematic risk of the security or portfolio.

[0039] As mentioned earlier, current investment regulatory agencies need a clear review and filing process for information such as the types of securities that investment managers can invest in, the range of product types, the risk characteristics of financial products, and the investment performance of investment managers. On the one hand, a complete product filing securities pool needs to be established, including a whitelist of investable securities and products issued (or guaranteed) by entities with good credit, returns, and risk assessments. It also includes a blacklist of securities or financial products issued by certain entities and related companies that are prohibited from investment. On the other hand, a rigorous review process needs to be established for the filing of financial products. This process should include information acquisition and comparison of various financial products, risk and return analysis of filed products, performance evaluation of investment managers, and review opinions from peer institutions. The review process should support the recording and filing of approval records and review decisions. Therefore, it is necessary to support the filing review of standard and non-standard products submitted by investment managers, with a record-keeping system for the filing process and a response to the investment manager and custodian after review. The filing process is based on the product filing materials submitted by the investment manager, and the product type is determined to enter either the simplified filing process or the non-standard filing process. After the product goes through the corresponding filing and review process, the investment manager and custodian will receive feedback on the product's investment performance. Furthermore, for non-standard product filings, the historical investment feedback and remaining quota of products with similar projects can be used for direct review, without requiring a complex review process.

[0040] To implement pre-deployment product registration management, establish a closed-loop management model, reduce maintenance costs, and improve management efficiency, this invention provides a pre-deployment product registration management method, such as... Figure 1 As shown, the method may include:

[0041] Step 101: Import the product information of the products to be managed. The product information includes product category and financing guarantee entity information. The product category includes: standard products and non-standard products.

[0042] Step 102: Based on the product category, obtain the market indicators and historical recommendation information of the product to be managed in the following manner: If the product category is a standard product, obtain the market indicators and historical investment recommendation information of the product to be managed from the database; if the product category is a non-standard product, determine the market indicators and historical recommendation information of the product to be managed based on the financing guarantee entity information, concentration analysis results, and credit rating changes.

[0043] Step 103: Send the market indicators and historical recommendation information of the product to be managed to the review group for review;

[0044] Step 104: Receive investment review suggestions from the review panel;

[0045] Step 105: Based on the investment review recommendations, conduct pre-investment filing management for the product.

[0046] Depend on Figure 1 As shown, compared with the prior art's manual management method for product pre-investment registration, the embodiments of the present invention import product information of the product to be managed. This product information includes product category and financing guarantee entity information. The product categories include: standardized products and non-standardized products. Based on the product category, the market indicators and historical recommendation information of the product to be managed are obtained as follows: if the product category is a standardized product, the market indicators and historical investment recommendation information of the product to be managed are obtained from the database; if the product category is a non-standardized product, the market indicators and historical recommendation information of the product to be managed are determined based on the financing guarantee entity information, concentration analysis results, and credit rating changes. The market indicators and historical recommendation information of the product to be managed are sent to the review group for review. The investment review recommendation information fed back by the review group is received. Based on the investment review recommendation information, product pre-investment registration management is carried out. This invention employs different methods to obtain market indicators and historical recommendation information for products under management based on product category. Specifically, if the product category is non-standard, the market indicators and historical recommendation information are determined based on financing guarantee entity information and concentration analysis results. This information is then sent to the review team for review. Pre-investment filing management is conducted based on the investment review recommendations from the review team, with the entire filing process being tracked. The approval process and operational steps are dynamically designed. During the review process, risk and return indicator calculations are abstracted, making them independent of the review process. Different indicators are mapped to different product types, effectively saving manpower and resources, reducing maintenance costs, and improving management efficiency and quality.

[0047] The following is a detailed analysis of each step.

[0048] In step 101, the product information of the products to be managed is imported. The product information includes product category and financing guarantee entity information. The product category includes: standard products and non-standard products.

[0049] In one embodiment, the standard products include: standard pension products, standard debt excluding ABS products, asset securitization products, and non-standard pension products without underlying projects holding more than 10% of the net asset value.

[0050] The non-standard products include: non-standard asset products and non-standard pension products with underlying projects holding more than 10% of the net asset value.

[0051] In practice, the product filing process is designed into two major review processes for standard products (standard pension products, standard bonds excluding ABS, asset securitization, and non-standard pension products with underlying projects holding more than 10% of the net asset value) and non-standard products (non-standard assets and non-standard pension products with underlying projects holding more than 10% of the net asset value).

[0052] In one embodiment, importing product information of the product to be managed includes: importing a standard format template document; performing document verification on the standard format template document; and importing the product information of the product to be managed into the verified standard format template document.

[0053] In practice, the system supports importing and standardizing information for registered products based on templates for different product types; it also supports updating information for historical products. Supported product types include pension products, non-standard assets, asset securitization, and standard debt excluding ABS.

[0054] The process for importing information is as follows:

[0055] 1) After the initiator imports the standard format template document, the system will first check whether the document is filled in correctly according to the script document format. If there are any errors, the system will provide specific prompts.

[0056] 2) After the template document passes verification, the system will automatically display the imported information and support the maintenance or modification of incomplete or inaccurate information on the display interface.

[0057] 3) After the initiator confirms the imported information, the system will store the data in the database. Based on the product type of the imported information, the system will automatically enter the review process applicable to that product.

[0058] In practice, the information imported for pension products includes basic information such as the product code, type, Ministry of Human Resources and Social Security registration number, and contribution rate. Product performance and risk data are calculated based on market data. Information imported for non-standard assets includes basic information such as project name, type, debt repayment entity, and guarantor. Information imported for asset securitization includes basic information such as product code, type, debt repayment entity, and repayment order. Information imported for standardized bonds, excluding ABS, includes basic information such as bond code, name, issuer, and interest rate.

[0059] In step 102, the market indicators and historical recommendation information of the product to be managed are obtained according to the product category as follows: if the product category is a standard product, the market indicators and historical investment recommendation information of the product to be managed are obtained from the database; if the product category is a non-standard product, the market indicators and historical recommendation information of the product to be managed are determined based on the financing guarantee entity information and concentration analysis results.

[0060] In practice, the product filing process has designed a standard and simplified process for standard products (standard pension products, standard bonds excluding ABS, asset securitization, and non-standard pension products without underlying projects with holdings exceeding 10% of net asset value), and a non-standard product review process for non-standard products (non-standard assets and non-standard pension products with underlying projects with holdings exceeding 10% of net asset value).

[0061] For standard simplified procedures, such as Figure 2 As shown, the product information is imported by the administrator, and the product information is filled in according to the corresponding product type template. After importing the template, the system displays the template import information. Clicking Next, the system displays the relevant risk and return characteristics of this product, as well as market indicators and historical investment recommendations (if any). If the imported product is a pension product, the relevant indicators of the investment manager are also displayed. Clicking Next, select the simplified review group. Three members of the simplified review group provide investment opinions, and the group leader can then submit the final investment opinion. Upon receiving the final investment opinion, the initiator downloads the reply letter, edits and uploads it, affixes its seal, and replies to the investment manager and custodian, thus completing the filing process.

[0062] For the review process of non-standard products, such as Figure 3As shown, the administrator imports product information according to the template. After importing the template and maintaining the product information, click Next to proceed to the project name display. Select projects with the same name, click Next, and set the project group name. Click Next to proceed to the entity assessment. If the entity fails, the initiator directly sends a rejection email to the investment manager and custodian, ending the filing process; if the entity passes, proceed to concentration management. Refer to the investment recommendations in concentration management to provide investment amount recommendations for each filing portfolio, and click Next. The system displays market indicators such as risks and returns related to this product, as well as historical investment recommendations (if any). Click Next to select the review group. After all review group members provide their opinions, the group leader can submit investment opinions. If the group leader provides a negative investment opinion, a rejection email is sent directly to the investment manager and custodian, ending the filing process. If the group leader provides an uncontroversial investment opinion, the approver provides the final investment opinion online or offline. After submitting the final investment opinion, a reply is sent to the investment manager and custodian based on the investment opinion. The filing process ends. When displaying project names, if multiple projects are found, select the same projects and click Next. After setting the project team name, refer to historical investment opinions and click "Direct Review." Then, go to Concentration Management, check the remaining quota, and you can directly submit a reply without selecting a review group. Download the reply template, edit it, upload it, affix your seal, and send it to the investment manager and custodian. The filing process is now complete.

[0063] In one embodiment, if the product category is a non-standard product, the market indicators and historical recommended information of the product to be managed are determined based on the financing guarantee entity information and concentration analysis results, including:

[0064] If the product category is non-standard, the products to be managed will be screened based on the information of the financing guarantor.

[0065] Set corresponding project group names for products under management that have the same financing guarantee entity information;

[0066] Based on the information of the financing guarantor, conduct investment feasibility analysis and concentration analysis on the products to be managed;

[0067] Based on the analysis results, market metrics and historical recommendations for the products to be managed are determined.

[0068] In practice, the project names are first displayed in reverse order. Based on product information, similar projects are filtered by name according to the same financing entity and the same guarantor. These projects are then manually identified and their group names are uniformly set to achieve synchronized management of identical projects. This applies to non-standard pension products or non-standard assets whose underlying assets comprise more than 10% of the product's net asset value. Figure 4As shown. This interface mainly displays products that are currently being registered, which have a debt repayment entity and a guarantor. If both exist, products with the same debt repayment entity and guarantor will be fuzzily matched among the registered products; if the product being registered does not have a guarantor, products with the same debt repayment entity will be fuzzily matched. Among the products found to have the same debt repayment entity (or the same debt repayment entity and guarantor), select one product to form a project with the product being registered. Then, click "Next" to set the project group name. Then, set the project group name. Based on the product information, filter similar projects by project name according to the same financing entity and the same guarantor. Manually identify and uniformly set the project group name to achieve the purpose of synchronous management of the same projects. Applicable to non-standard pension products or non-standard assets whose underlying net asset value exceeds 10%, such as... Figure 5 As shown. Next, the entity is assessed. The financing entity and the guarantor are analyzed across three dimensions (whether they are on internal / external whitelists, model scoring, and whether they are on internal / external blacklists). Based on the analysis results, the investability of the entity is determined, thus determining the investability of the registered product. Products whose entities do not pass the assessment are redirected to the filing and response section, and a rejection email is sent, such as... Figure 6 As shown. Concentration management is then implemented, calculating two main categories of indicators at the group level: market capitalization and percentage. Analysis is then conducted across four dimensions: registered portfolio, annuity plan, overall occupational annuity or enterprise annuity, and investment manager. According to the occupational annuity investment supervision guidelines, the holding amount / holding amount ratio and registered amount / registered amount ratio of investable products are controlled within the range required by the guidelines. This applies to non-standard pension products or non-standard assets where the underlying project has more than 10% of the net asset value, such as... Figure 7 As shown. Finally, based on the analysis results, the market indicators and historical recommendation information of the products to be managed are determined. Additional indicators, such as financial market data, are mainly displayed. If the registered product has a history of registration, historical investment recommendations for that product are also displayed. If the registered product is a pension product, a template of the investment manager's information table is also displayed. This interface mainly displays the calculation results and rankings of investment risk indicators for products currently being registered from four dimensions: a comparison and ranking of investment returns and yields over the past year, and the performance of the investment manager, such as... Figure 8 As shown.

[0069] In specific implementation, internal and external enterprise knowledge graph data are obtained; a portfolio enterprise graph is generated based on the internal and external enterprise knowledge graph data; a first graph model is established based on the portfolio enterprise graph and a pre-established first enterprise relationship table; the root node and its corresponding child node information are determined based on the first graph model; a second graph model is established based on the root node, its corresponding child node information, and a pre-established second enterprise relationship table; and portfolio analysis is performed using a concentration algorithm based on the second graph model. This embodiment of the invention can generate a portfolio enterprise graph and, combined with a pre-established first enterprise relationship table, determine the root node and its corresponding child node information, thereby performing portfolio analysis using a concentration algorithm based on the graph model. This enables the analysis of the impact of enterprise activities on inter-enterprise relationships and the impact and risks on investor bids. In addition to concentration, the following description of credit rating changes could be added: based on the change in rating between the current and previous periods, a warning would be issued during the approval process if there is a downgrade.

[0070] There are two formulas for calculating concentration; you can choose either one, as shown below:

[0071] Concentration Precision Statistical Method: This method obtains all investment nodes held by all investments under the root node, and also calculates the market value of the portfolio's holdings under that node. The concentration ratio from the root node to the investment node is calculated as follows: the product of the investment weights from the root node to the investment node, multiplied by the market value of the portfolio's assets held at that node. Then, the concentration ratios from all root nodes to investment nodes are summed to obtain the final concentration ratio of the portfolio at the root node. An example is provided below:

[0072] Given a portfolio PF that holds bonds of companies A, C, and D with market values ​​of 200.00, 100.00, and 300.00 respectively, we can calculate the concentrations of the root nodes E and B as follows:

[0073] The concentration of the root node E where portfolio PF is located is: 0.3×200.00+0.3×0.3×100+0.3×0.3×0.4×300=79.8;

[0074] The concentration of the root node B where portfolio PF is located is: 0.7×100+0.7×0.4×300=154.

[0075] Concentration full-scale statistical method: If a node is held by two root nodes, then both root nodes each hold the total market value of that node. An example is given below:

[0076] Given a portfolio PF that holds bonds of companies A, C, and D with market values ​​of 200.00, 100.00, and 300.00 respectively, we can calculate the concentrations of the root nodes E and B as follows:

[0077] Concentration of the root node E where portfolio PF is located: 200.00 + 100.00 + 300.00 = 600.00;

[0078] Concentration of the root node B where portfolio PF is located: 100 + 300 = 400.00;

[0079] It should be noted that the "full concentration statistics" rule here refers to the total value of all assets issued by all members within the group, while the "precise concentration statistics" rule calculates direct holdings at 100% and non-direct holdings by summing them up to the root node based on the group's equity.

[0080] In steps 103 to 105, the market indicators and historical recommendation information of the product to be managed are sent to the review group for review, and the investment review recommendation information fed back by the review group is received. Based on the investment review recommendation information, the product pre-investment filing management is carried out.

[0081] In practice, the first step is to select a review panel, with the initiator choosing a panel to collect investment recommendations. If a review member is absent, both the initiator and the selected review panel can reselect a review panel or replace the review member. Figure 9 As shown. Then, the review panel conducts the review, and the selected review panel submits its review comments. The system supports the group leader returning the initiator's registration information so the initiator can make revisions. If a selected review panel member is unable to attend due to objective reasons, the selected review panel members (excluding the approver) can change the review panel or members on the homepage. Review panel members and the chief reviewer select their review comments during the review process, such as... Figure 10 As shown. During the review panel's review, after the chief reviewer approves without objection, the review proceeds to the approver's review stage. Finally, a filing and reply are made. After receiving the chief reviewer's final investment opinion, the initiator replies to the investment manager and files the review agreement document. The system supports downloading, uploading, stamping, and emailing of reply and agreement document templates. The filing and reply interface has two styles: without review resolution and with review resolution. The condition for the interface without review resolution is: in the review process of non-standard products, the chief reviewer submits a review of "no objection" during the review panel's review, such as... Figures 11-12 As shown. The condition for including the review resolution interface is: in the review process for non-standard products, the chief reviewer submits a review of "not recommending investment" during the review group's review, such as... Figure 13As shown. Generate a response letter and review resolution document according to the format requirements. After generating a PDF file for the final response letter and review resolution, click the signature button. It supports placing the seal on an image within the PDF file. At the end of the review, the system sends the response letter or review resolution to the investment manager via email.

[0082] The solution provided by this invention addresses the functional control of the product registration review process, the calculation of risk characteristic indicators, and the email sending function. The review process requires technical personnel to dynamically design and implement approval processes and operational steps according to different product types and user roles. In implementing the review process, the calculation of risk and return indicators is abstracted, making it independent of the review process function and mapping different indicators to different product types. The calculation process is implemented as an independent service. Most importantly, it addresses how to independently implement business processes, page displays, and indicator calculations, while dynamically connecting these elements into a unified whole. During implementation, unpredictable business changes and potential operational risks significantly impact the development cycle. Product registration establishes a vast repository for investment securities or financial products in the financial market. It provides a rigorous review process and investment advice, specifying which securities are investable and which pose significant investment risks. This provides a sufficient basis for future investment supervision of investment managers and a more complete and timely data foundation for investment risk analysis of various financial products. It also supports adjustments to financial product investment strategies and timely responses to changes in public opinion in the financial market. This also provides a foundation for future investment analysis of various financial products.

[0083] Based on the same inventive concept, embodiments of the present invention also provide a product pre-market filing management device, as described in the following embodiments. Since the principles underlying these solutions are similar to those of the product pre-market filing management method, the implementation of the product pre-market filing management device can refer to the implementation of the method; repeated details will not be elaborated further.

[0084] Figure 14 This is a structural diagram of the product pre-marketing registration management device in an embodiment of the present invention, as shown below. Figure 14 As shown, the pre-launch filing management device for this product includes:

[0085] Product information import module 1401 is used to import product information of products to be managed. The product information includes product category and financing guarantee entity information. The product category includes: standard products and non-standard products.

[0086] The indicator suggestion acquisition module 1402 is used to obtain the market indicators and historical suggestion information of the product to be managed according to the product category in the following manner: if the product category is a standard product, the market indicators and historical investment suggestion information of the product to be managed are obtained from the database; if the product category is a non-standard product, the market indicators and historical suggestion information of the product to be managed are determined according to the financing guarantee entity information, concentration analysis results and credit rating changes.

[0087] The indicator suggestion sending module 1403 is used to send the market indicators and historical suggestion information of the product to be managed to the review group for review.

[0088] The review suggestion receiving module 1404 is used to receive investment review suggestion information from the review group.

[0089] The pre-investment filing management module 1405 is used to manage the pre-investment filing of products based on the investment review recommendations.

[0090] In one embodiment, the standard products include: standard pension products, standard debt products excluding ABS, asset securitization products, and non-standard pension products without underlying projects holding more than 10% of the net asset value.

[0091] The non-standard products include: non-standard asset products and non-standard pension products with underlying projects holding more than 10% of the net asset value.

[0092] In one embodiment, the product information import module is further configured to:

[0093] Import standard format template document;

[0094] Perform document validation on the standard format template document;

[0095] Import the product information of the products to be managed into the standard format template document that has passed the verification.

[0096] In one embodiment, the indicator suggestion obtaining module is further configured to:

[0097] If the product category is non-standard, the products to be managed will be screened based on the information of the financing guarantor.

[0098] Set corresponding project group names for products under management that have the same financing guarantee entity information;

[0099] Based on the information of the financing guarantor, conduct investment feasibility analysis and concentration analysis on the products to be managed;

[0100] Based on the analysis results, market metrics and historical recommendations for the products to be managed are determined.

[0101] Based on the aforementioned inventive concept, such as Figure 15 As shown, this embodiment of the invention also provides a computer device 1500, including a memory 1510, a processor 1520, and a computer program 1530 stored in the memory 1510 and executable on the processor 1520. When the processor 1520 executes the computer program 1530, it implements the above-mentioned product pre-launch filing management method.

[0102] Based on the foregoing inventive concept, embodiments of the present invention also provide a computer-readable storage medium storing a computer program, which, when executed by a processor, implements the aforementioned product pre-launch filing management method.

[0103] This invention also provides a computer program product, which includes a computer program that, when executed by a processor, implements the above-described pre-launch filing management method for products.

[0104] Compared with the existing technology that uses manual management for pre-investment product registration, this invention imports product information of the product to be managed. This product information includes product category and financing guarantee entity information. The product categories include: standardized products and non-standardized products. Based on the product category, market indicators and historical investment advice information of the product to be managed are obtained as follows: if the product category is standardized, the market indicators and historical investment advice information of the product to be managed are obtained from the database; if the product category is non-standardized, the market indicators and historical investment advice information of the product to be managed are determined based on the financing guarantee entity information, concentration analysis results, and credit rating changes. The market indicators and historical investment advice information of the product to be managed are then sent to the review group for review. Investment review advice information is received from the review group. Pre-investment product registration management is then performed based on the investment review advice information. This invention employs different methods to obtain market indicators and historical recommendation information for products under management based on product category. Specifically, if the product category is non-standard, the market indicators and historical recommendation information are determined based on financing guarantee entity information and concentration analysis results. This information is then sent to the review team for review. Pre-investment filing management is conducted based on the investment review recommendations from the review team, with the entire filing process being tracked. The approval process and operational steps are dynamically designed. During the review process, risk and return indicator calculations are abstracted, making them independent of the review process. Different indicators are mapped to different product types, effectively saving manpower and resources, reducing maintenance costs, and improving management efficiency and quality.

[0105] Those skilled in the art will understand that embodiments of the present invention can be provided as methods, systems, or computer program products. Therefore, the present invention can take the form of a completely hardware embodiment, a completely software embodiment, or an embodiment combining software and hardware aspects. Furthermore, the present invention can take the form of a computer program product embodied on one or more computer-usable storage media (including, but not limited to, disk storage, CD-ROM, optical storage, etc.) containing computer-usable program code.

[0106] This invention is described with reference to flowchart illustrations and / or block diagrams of methods, apparatus (systems), and computer program products according to embodiments of the invention. It will be understood that each block of the flowchart illustrations and / or block diagrams, and combinations of blocks in the flowchart illustrations and / or block diagrams, can be implemented by computer program instructions. These computer program instructions can be provided to a processor of a general-purpose computer, special-purpose computer, embedded processor, or other programmable data processing apparatus to produce a machine, such that the instructions, which execute via the processor of the computer or other programmable data processing apparatus, generate instructions for implementing the flowchart illustrations and / or block diagrams. Figure 1 One or more processes and / or boxes Figure 1 A device that provides the functions specified in one or more boxes.

[0107] These computer program instructions may also be stored in a computer-readable storage medium that can direct a computer or other programmable data processing device to function in a particular manner, such that the instructions stored in the computer-readable storage medium produce an article of manufacture including instruction means, which are implemented in a process Figure 1 One or more processes and / or boxes Figure 1 The function specified in one or more boxes.

[0108] These computer program instructions may also be loaded onto a computer or other programmable data processing equipment to cause a series of operational steps to be performed on the computer or other programmable equipment to produce a computer-implemented process, thereby providing instructions that execute on the computer or other programmable equipment for implementing the process. Figure 1 One or more processes and / or boxes Figure 1 The steps of the function specified in one or more boxes.

[0109] The specific embodiments described above further illustrate the purpose, technical solution, and beneficial effects of the present invention. It should be understood that the above descriptions are merely specific embodiments of the present invention and are not intended to limit the scope of protection of the present invention. Any modifications, equivalent substitutions, improvements, etc., made within the spirit and principles of the present invention should be included within the scope of protection of the present invention.

Claims

1. A product pre-market filing management method, characterized by, include: Import product information for products to be managed. This product information includes product category and financing guarantor information. The product categories include: standard products and non-standard products. Based on the product category, the market indicators and historical recommendation information of the product to be managed are obtained as follows: if the product category is a standard product, the market indicators and historical investment recommendation information of the product to be managed are obtained from the database; if the product category is a non-standard product, the market indicators and historical recommendation information of the product to be managed are determined based on the financing guarantee entity information, concentration analysis results, and credit rating changes. The market indicators and historical recommendation information of the products to be managed are sent to the review team for review. Receive investment review suggestions from the review panel; Based on the aforementioned investment review recommendations, pre-investment filing management for the product will be conducted. If the product category is non-standard, the market indicators and historical recommended information of the product to be managed are determined based on the financing guarantee entity information and concentration analysis results. This includes: screening the products to be managed based on the financing guarantee entity information; setting corresponding project group names for products to be managed with the same financing guarantee entity information; conducting investability analysis and concentration analysis on the products to be managed based on the financing guarantee entity information; and determining the market indicators and historical recommended information of the products to be managed based on the analysis results. In the concentration analysis, internal and external knowledge graph data of the enterprises are obtained; a portfolio enterprise graph is generated based on the internal and external knowledge graph data; a first graph model is established based on the portfolio enterprise graph and a pre-established first enterprise relationship table; the root node and its corresponding child node information are determined based on the first graph model; a second graph model is established based on the root node, its corresponding child node information, and a pre-established second enterprise relationship table; and portfolio analysis is performed using a concentration algorithm based on the second graph model. The concentration algorithm includes the precise concentration statistics method and... The concentration full-scale statistical method includes two sub-methods: the precise concentration statistical method and the full concentration statistical method. The former involves obtaining all investment nodes held by all investments under the root node, and obtaining the market value of the portfolio's holdings under that node. The concentration from the root node to the investment node is the product of the investment weights from the root node to the investment node, multiplied by the market value of the portfolio's assets held in that node. Then, the concentrations from all root nodes to the investment nodes are summed to obtain the concentration of the portfolio's root node. The full concentration statistical method involves calculating the concentration of the portfolio's root node if a node is held by two root nodes. If a node is held by two root nodes, then each of the two root nodes holds the total market value of that node, and then the concentration of the portfolio's root node is calculated.

2. The product pre-launch filing management method of claim 1, wherein, The standard products include: standard pension products, standard debt products excluding ABS products, asset securitization products, and non-standard pension products without underlying projects holding more than 10% of net asset value. The non-standard products include: non-standard asset products and non-standard pension products with underlying projects holding more than 10% of the net asset value.

3. The pre-launch product registration management method of claim 1, wherein, Import product information for the products to be managed, including: Import standard format template document; Perform document validation on the standard format template document; Import the product information of the products to be managed into the standard format template document that has passed the verification.

4. A product pre-market filing management apparatus characterized by comprising: include: The product information import module is used to import product information of products to be managed. The product information includes product category and financing guarantee entity information. The product category includes: standard products and non-standard products. The indicator suggestion acquisition module is used to obtain the market indicators and historical suggestion information of the product to be managed according to the product category in the following manner: if the product category is a standard product, the market indicators and historical investment suggestion information of the product to be managed are obtained from the database; if the product category is a non-standard product, the market indicators and historical suggestion information of the product to be managed are determined according to the financing guarantee entity information, concentration analysis results, and credit rating changes. The indicator suggestion sending module is used to send the market indicators and historical suggestion information of the product to be managed to the review group for review. The review suggestion receiving module is used to receive investment review suggestion information from the review team. The pre-investment filing management module is used to manage the pre-investment filing of products based on the investment review recommendations. The indicator suggestion acquisition module is used for: if the product category is non-standard products, screening products to be managed based on the financing guarantee entity information; setting corresponding project group names for products to be managed with the same financing guarantee entity information; conducting investability analysis and concentration analysis for products to be managed based on the financing guarantee entity information; and determining market indicators and historical suggestion information for products to be managed based on the analysis results. In the concentration analysis, internal and external knowledge graph data of the enterprises are obtained; a portfolio enterprise graph is generated based on the internal and external knowledge graph data; a first graph model is established based on the portfolio enterprise graph and a pre-established first enterprise relationship table; the root node and its corresponding child node information are determined based on the first graph model; a second graph model is established based on the root node, its corresponding child node information, and a pre-established second enterprise relationship table; and portfolio analysis is performed using a concentration algorithm based on the second graph model. The concentration algorithm includes the precise concentration statistics method and... The concentration full-scale statistical method includes two sub-methods: the precise concentration statistical method and the full concentration statistical method. The former involves obtaining all investment nodes held by all investments under the root node, and obtaining the market value of the portfolio's holdings under that node. The concentration from the root node to the investment node is the product of the investment weights from the root node to the investment node, multiplied by the market value of the portfolio's assets held in that node. Then, the concentrations from all root nodes to the investment nodes are summed to obtain the concentration of the portfolio's root node. The full concentration statistical method involves calculating the concentration of the portfolio's root node if a node is held by two root nodes. If a node is held by two root nodes, then each of the two root nodes holds the total market value of that node, and then the concentration of the portfolio's root node is calculated.

5. The product pre-launch filing management apparatus according to claim 4, wherein The standard products include: standard pension products, standard debt products excluding ABS products, asset securitization products, and non-standard pension products without underlying projects holding more than 10% of net asset value. The non-standard products include: non-standard asset products and non-standard pension products with underlying projects holding more than 10% of the net asset value.

6. The product pre-launch registration management apparatus according to claim 4, wherein The product information import module is further used for: Import standard format template document; Perform document validation on the standard format template document; Import the product information of the products to be managed into the standard format template document that has passed the verification.

7. A computer device comprising a memory, a processor, and a computer program stored on the memory and executable on the processor, characterized in that, When the processor executes the computer program, it implements the method of any one of claims 1 to 3.

8. A computer-readable storage medium, characterized in that, The computer-readable storage medium stores a computer program that, when executed by a processor, implements the method of any one of claims 1 to 3.

9. A computer program product, characterized in that, The computer program product includes a computer program that, when executed by a processor, implements the method of any one of claims 1 to 3.

Images