Banking index generation method and apparatus, electronic device, and storage medium

Abstract

The embodiment of the application provides a kind of bank business index generation method, device, electronic equipment and storage medium, the method is first received for target business index index generation request, index generation request carries the target dimension information of target business index, then according to index generation request, determine standard data table, again according to target dimension information, determine the target business data corresponding to target dimension information from standard data table, again obtain the template index information of template business index, template index information includes template calculation formula, template business description and template technical information, finally, according to template index information to target business data is processed, obtains the target index information of target business index.The application is automatically generated according to template business index and target business data, target business index, improves the efficiency of business index generation.

Description

Technical Field

[0001] This application relates to the field of artificial intelligence technology, and in particular to a method, apparatus, electronic device and storage medium for generating banking business indicators. Background Technology

[0002] As the types of banking services increase, so do the number of banking business indicators. Banking business indicators refer to data processed through certain calculation logic into metrics, which are then given business meaning to measure business development. For example, banks often use the "60+ day delinquency rate" and "delinquency generation rate" as business indicators to measure asset risk levels and risk trends.

[0003] Traditional methods of generating banking business indicators rely on manual registration and processing. This method not only requires a large amount of manpower but also necessitates experienced technical personnel. Therefore, traditional methods of generating business indicators are not only costly but also inefficient. Summary of the Invention

[0004] This application provides a method, apparatus, electronic device, and storage medium for generating banking business indicators, which improves the efficiency of business indicator generation.

[0005] Firstly, this application provides a method for generating banking business indicators, including:

[0006] Receive a metric generation request for a target business metric, the metric generation request carrying target dimension information of the target business metric, the target dimension including at least one of time dimension, region dimension, and product dimension;

[0007] Based on the indicator generation request, a standard data table is determined, which includes business data under the target dimension;

[0008] Based on the target dimension information, the target business data corresponding to the target dimension information is determined from the standard data table;

[0009] Obtain template indicator information for template business indicators. The template indicator information includes template calculation formula, template business description, and template technical information. The template calculation formula represents the calculation process of the template business indicator, the template business description represents the business meaning of the template business indicator, and the template technical information is the processing code of the template business indicator.

[0010] The target business data is processed based on the template indicator information to obtain the target indicator information of the target business indicator. The target indicator information includes the target calculation formula, the target business description, and the target technical information.

[0011] Secondly, this application provides a banking business indicator generation device, comprising:

[0012] The receiving module is used to receive a metric generation request for a target business metric. The metric generation request carries the target dimension information of the target business metric. The target dimension includes at least one of time dimension, region dimension, and product dimension.

[0013] The first determining module is used to determine a standard data table based on the indicator generation request, wherein the standard data table includes business data under the target dimension;

[0014] The second determining module is used to determine the target business data corresponding to the target dimension information from the standard data table based on the target dimension information.

[0015] The acquisition module is used to acquire template indicator information of template business indicators. The template indicator information includes template calculation formula, template business description and template technical information. The template calculation formula represents the calculation process of the template business indicator, the template business description represents the business meaning of the template business indicator, and the template technical information is the processing code of the template business indicator.

[0016] The processing module is used to process the target business data according to the template indicator information to obtain the target indicator information of the target business indicator. The target indicator information includes the target calculation formula, the target business description and the target technical information.

[0017] Thirdly, embodiments of this application provide an electronic device, which includes 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 steps in the above-mentioned banking business indicator generation method.

[0018] Fourthly, embodiments of this application provide a computer-readable storage medium storing a computer program that, when executed by a processor, implements the steps in the aforementioned banking business indicator generation method.

[0019] This application provides a method, apparatus, electronic device, and storage medium for generating banking business indicators. Based on an indicator generation request, this application determines a standard data table. Then, based on the target dimension information of the target business indicator carried in the indicator generation request, it determines the target business data corresponding to the target dimension information from the standard data table. This eliminates the need for manual processing and registration of the target business data, avoiding errors caused by manual operation and saving costs. Finally, this application automatically generates the target business indicator based on the template business indicator and the target business data, improving the efficiency of business indicator generation. Attached Figure Description

[0020] To more clearly illustrate the technical solutions in the embodiments of this application, the accompanying drawings used in the description of the embodiments will be briefly introduced below. Obviously, the accompanying drawings described below are only some embodiments of this application. For those skilled in the art, other drawings can be obtained based on these drawings without creative effort.

[0021] Figure 1 This is a schematic diagram of a banking business indicator generation system provided in an embodiment of this application.

[0022] Figure 2 A flowchart illustrating the banking business indicator generation method provided in this application embodiment.

[0023] Figure 3 Another flowchart illustrating the banking business indicator generation method provided in this application embodiment.

[0024] Figure 4 This is a schematic diagram of the structure of the banking business indicator generation device provided in the embodiments of this application.

[0025] Figure 5 This is a schematic diagram of the structure of an electronic device provided in an embodiment of this application. Detailed Implementation

[0026] The technical solutions of the embodiments of this application will be clearly and completely described below with reference to the accompanying drawings. Obviously, the described embodiments are only some embodiments of this application, and not all embodiments. Based on the embodiments of this application, all other embodiments obtained by those skilled in the art without creative effort are within the scope of protection of this application.

[0027] In the description of this application, "multiple" means two or more, unless otherwise expressly and specifically defined.

[0028] In this application, the term "exemplary" is used to mean "used as an example, illustration, or description." Any embodiment described as "exemplary" in this application is not necessarily to be construed as being more preferred or advantageous than other embodiments. The following description is provided to enable any person skilled in the art to make and use this application. Details are set forth in the following description for purposes of explanation. It should be understood that those skilled in the art will recognize that this application can be made without using these specific details. In other instances, well-known structures and processes are not described in detail to avoid obscuring the description of this application with unnecessary detail. Therefore, this application is not intended to be limited to the embodiments shown, but is consistent with the broadest scope of the principles and features disclosed in this application.

[0029] The execution entity of the banking business indicator generation method in this application embodiment can be the banking business indicator generation device provided in this application embodiment, or different types of electronic devices such as server equipment, physical host, or user equipment (UE) that integrate the banking business indicator generation device. The banking business indicator generation device can be implemented in hardware or software. The UE can specifically be a terminal device such as a smartphone, tablet computer, laptop computer, handheld computer, desktop computer, or personal digital assistant (PDA).

[0030] The electronic device can operate independently or in a cluster.

[0031] Please see Figure 1 , Figure 1 This is a schematic diagram of a scenario for the banking business indicator generation system provided in this application embodiment. Figure 1 The system includes an electronic device 10 and a database 11. First, the electronic device 10 receives a metric generation request for a target business metric. The metric generation request carries the target dimension information of the target business metric. The target dimension includes at least one of time dimension, region dimension, and product dimension. Then, the electronic device 10 determines a standard data table based on the metric generation request. The standard data table includes business data under the target dimension. Based on the target dimension information, the electronic device 10 determines the target business data corresponding to the target dimension information from the standard data table. Next, the electronic device 10 obtains template metric information of the template business metric from the database 11. The template metric information includes a template calculation formula, a template business description, and template technical information. The template calculation formula represents the calculation process of the template business metric. The template business description represents the business meaning of the template business metric. The template technical information is the processing code of the template business metric. Finally, the electronic device 10 processes the target business data based on the template metric information to obtain the target metric information of the target business metric. The target metric information includes the target calculation formula, the target business description, and the target technical information.

[0032] It should be noted that, Figure 1 The schematic diagram of the banking business indicator generation system shown is merely an example. The electronic devices and databases described in this application are for the purpose of more clearly illustrating the technical solutions of this application, and do not constitute a limitation on the technical solutions provided in this application. As those skilled in the art will know, with the evolution of systems and the emergence of new business scenarios, the technical solutions provided in this application are also applicable to similar technical problems. Detailed descriptions are provided below. It should be noted that the order of description of the following embodiments is not intended to limit the preferred order of the embodiments.

[0033] Please see Figure 2 , Figure 2 A flowchart illustrating a banking business indicator generation method provided in this application embodiment includes:

[0034] Step 201: Receive a metric generation request for the target business metric. The metric generation request carries the target dimension information of the target business metric.

[0035] The target business indicators are banking business indicators to be generated. These indicators include, but are not limited to, the 60+ delinquency rate and the delinquency generation rate. In this embodiment, the 60+ delinquency rate is used as an example for illustration.

[0036] Because banking services are diverse, risk assessments are required for different businesses. For example, when assessing asset risk levels, the 60+ delinquency rate is needed. Since the 60+ delinquency rate varies across different dimensions, the indicator generation request needs to carry the target dimension information for the target business indicator.

[0037] The target dimension information represents the target dimension of the target business indicator, which includes at least one of the following: regional dimension, time dimension, and product dimension. For example: when the target business data is the bank-wide delinquency rate of 60+ days, the target dimension is the regional dimension; when the target business data is the bank-wide delinquency rate of 60+ days in 2022, the target dimensions are the regional and time dimensions; when the target business data is the branch's delinquency rate of 60+ days for new loans in 2022, the target dimensions are the time, regional, and product dimensions. The regional, product, and time dimensions can be combined arbitrarily and are not limited here.

[0038] Step 202: Based on the indicator generation request, determine the standard data table, which includes business data under the target dimension.

[0039] Among them, business data under the target dimension refers to business data that participates in the calculation of business indicators. For example, the overdue 60+ rate can be calculated from the overdue 60+ amount.

[0040] Table 1 shows a standard data table, which includes business data corresponding to the time dimension, region dimension, and product dimension.

[0041] Table 1 Standard Business Data Table

[0042] date Level 1 institutions Secondary institutions Product Categories Product Subcategories Overdue amount 60+ 2022.1-2022.6 The whole bank Shenzhen Branch Consumer finance White-collar loan 2 million 2022.1-2022.6 The whole bank Shenzhen Branch Consumer finance New Loan 1 million 2022.1-2022.6 The whole bank Guangzhou Branch Consumer finance White-collar loan 1 million 2022.1-2022.6 The whole bank Guangzhou Branch Consumer finance New Loan 2 million 2022.1-2022.6 The whole bank Nanjing Branch Consumer finance White-collar loan 3 million 2022.1-2022.6 The whole bank Nanjing Branch Consumer finance New Loan 4 million

[0043] The standard business data table can be pre-installed in a database, and the electronic device can directly retrieve the standard business data table from the database upon receiving a metric generation request. Alternatively, the standard business data table can be generated based on the metric generation request received.

[0044] Since banks have multiple businesses, they will have multiple types of raw business data. However, only a portion of the raw business data is related to the target business indicators. In other words, only a portion of the raw business data will be used to calculate the target business indicators. Therefore, it is necessary to first determine the standard business data related to the target business indicators from the raw business data, and then generate a standard data table based on the standard business data.

[0045] In one embodiment, determining the standard data table based on the indicator generation request includes: acquiring original business data of banking operations; determining standard business data related to the target business indicator from the original business data; and generating the standard data table based on the standard business data.

[0046] Due to human error or system malfunctions, business data may contain issues such as data loss or garbled characters. To avoid inaccurate target business metrics due to errors in business data, it is necessary to clean the business data before generating the standard data table, and use the cleaned data as the standard data.

[0047] In one embodiment, determining the standard business data related to the target business indicator from the original business data includes: determining candidate business data related to the target business indicator from the original business data; performing data cleaning on the candidate business data to obtain the standard business data from the candidate business data.

[0048] Step 203: Based on the target dimension information, determine the target business data corresponding to the target dimension information from the standard data table.

[0049] Since the business data differs across different dimensions, it is necessary to determine the target business data from the standard data table based on the target dimension information.

[0050] Assumptions: Bank A includes branches in Shenzhen, Guangzhou, and Nanjing. If the target business indicator is the overdue rate of over 60% for white-collar loans across the entire bank in the first half of 2022, then the corresponding target business data includes: the overdue amount of over 60% for white-collar loans in Shenzhen branch, the overdue amount of over 60% for white-collar loans in Guangzhou branch, and the overdue amount of over 60% for white-collar loans in Nanjing branch in the first half of 2022. If the target business indicator is the overdue rate of over 60% for consumer finance in Shenzhen branch in the first half of 2022, then the corresponding target business data includes: the overdue amount of over 60% for white-collar loans in Shenzhen branch and the overdue amount of over 60% for new loans in Shenzhen branch in the first half of 2022.

[0051] Step 204: Obtain template indicator information for template business indicators.

[0052] The template business indicator information includes a template calculation formula, a template business description, and template technical information. The template calculation formula represents the calculation process of the template business indicator, the template business description represents the business meaning of the template business indicator, and the template technical information is the processing code of the template business indicator.

[0053] The calculation formula describes the indicator calculation process, such as simple summarization and operations between multiple indicators. The business description is mainly used for easy-to-understand descriptions during indicator retrieval. For example, when the target indicator is the overdue rate of overdue loans of white-collar workers in the first half of 2022, the calculation formula is the overdue amount of overdue loans of white-collar workers in the first half of 2022 / the total amount of white-collar loans in the first half of 2022. The technical information is used for the code that needs to be understood by the technical side when processing data. Among them, the calculation formula generates a logical template for this type of indicator by scanning key functions, operators, and identification marks that can express the relationship between indicators (such as indicator codes in the system). The code template mainly scans the keywords and parameters of the code and establishes a mapping relationship with the underlying data. The description template converts keywords into a parameterized text description template by automatic scanning (note: if automatic recognition is required, a basic understanding of natural language processing technology is needed) or manual tagging.

[0054] Step 205: Process the target business data according to the template indicator information to obtain the target indicator information of the target business indicators.

[0055] The above steps yielded the template calculation formula, template business description, template technical information, and target business data from the template indicator information. Next, the target business data is processed according to the format of the template indicator information.

[0056] In one embodiment, template indicator information and target business data are input into the indicator generation model to obtain target business indicator information.

[0057] The indicator generation model is trained using a large amount of sample data. It can use a large amount of template indicator information and target business data as training samples for the deep neural network, while obtaining labeled target business indicator information. The training samples are input into the indicator generation model to obtain multiple predicted target business indicator information. Based on the target business indicator information and the labeled target business indicator information, deep learning methods are used for iterative training until the indicator generation model converges, resulting in a well-trained indicator generation model.

[0058] Target business metrics information can also be obtained through other means. Please refer to [link / reference]. Figure 3 , Figure 3 Two flowcharts illustrating the banking business indicator generation method provided in this application embodiment are shown. Step 205 includes:

[0059] Step 2051: Determine the target calculation formula based on the template calculation formula.

[0060] Based on the template calculation formula, there are two methods to determine the target calculation formula: Method 1: Directly use the template calculation formula as the target calculation formula. In this case, the calculation method for the target business indicator is the same as that for the template business indicator. Method 2: Check if the dimensional relationship between the target business indicator and the template business indicator satisfies the preset dimensional relationship. If the dimensional relationship satisfies the preset dimensional relationship, then the template calculation formula is used as the target calculation formula. If the dimensional relationship does not satisfy the preset dimensional relationship, then the target calculation formula is determined based on the target dimension of the target business indicator. The preset dimensional relationship can be: the target business indicator and the template business indicator have the same time dimension, but different product and regional dimensions; or the target business indicator and the template business indicator have the same regional dimension, but different product and time dimensions; or the target business indicator and the template business indicator have the same product and regional dimensions, but different time dimensions. The specific preset dimensional relationship is not limited here and can be set according to the actual situation.

[0061] For example, if the target business indicator is the overdue rate of 60+ for white-collar loans across the entire bank in the first half of 2022, and the template business indicator is the overdue rate of 60+ for white-collar loans in the Shenzhen branch in the first half of 2022, then the target business indicator and the template business indicator have different regional dimensions but the same product and time dimensions. If the preset dimensional relationship is that the target business indicator and the template business indicator have the same time dimension but different product and regional dimensions, then the dimensional relationship between the target business indicator and the template business indicator does not meet the preset dimensional relationship. In this case, it is necessary to determine the target calculation formula based on the target dimension of the target business indicator.

[0062] In one embodiment, determining the target calculation formula based on the target dimension of the target business indicator includes: inputting the target dimension into the formula matching model and outputting the target calculation formula.

[0063] The formula matching model is trained using a large amount of sample data. It can use a large number of target dimensions as training samples for deep neural networks, while obtaining the labeled calculation formulas. The training samples are then input into the index generation model to obtain multiple predicted calculation formulas. Based on the labeled calculation formulas and the predicted calculation formulas, deep learning methods are used for iterative training until the formula matching model converges, resulting in a well-trained formula matching model.

[0064] In one embodiment, determining the target calculation formula based on the target dimension of the target business indicator includes: determining the target calculation formula based on a preset calculation formula lookup table and the target dimension, wherein the calculation formula lookup table contains the correspondence between dimensions and calculation formulas.

[0065] The time dimension represents the time period for obtaining the target business indicator, which can be one month, six months, or one year, depending on the actual situation. The regional dimension represents the data range of the target business indicator, which can be data from the entire bank, a specific branch, or a specific outlet; the specific regional range is not limited here. The product dimension represents the classification of the target business indicator product, which can belong to Category I, Category II, or Category III products. Category I products contain multiple Category II products, and Category II products contain multiple Category III products. Assuming there are n time dimensions, m regional dimensions, and p product dimensions, there are n*m*p possible calculation formulas. These n*m*p possible formulas may be the same or different; this is not limited here, and the choice is based on the actual situation. Table 2 is only an example and should not be construed as limiting the content of this application.

[0066] Table 2 shows a comparison table of calculation formulas provided in the embodiments of this application.

[0067] Time dimension Regional Dimension Product Dimension Target calculation formula one month The whole bank Class I products Formula 1 Half a year Shenzhen Branch Class II products Formula 2 one month Guangzhou Branch Class III Formula 3

[0068] In one embodiment, determining the target calculation formula based on the target dimension of the target business indicator includes: determining the target calculation formula based on the dimension relationship, the template calculation formula, and the preset calculation formula conversion lookup table, wherein the calculation formula conversion lookup table contains the correspondence between the template calculation formula and the target calculation formula under different dimension relationships.

[0069] In practice, the target calculation formula can be determined based on the dimensional relationship between the template business indicators and the target business indicators, as well as the template calculation formula. When the dimensions of the target business indicators and the template business indicators are the same, the template calculation formula is used as the target calculation formula. When the dimensions of the target business indicators and the template business indicators are different, the target calculation formula can be determined based on the template calculation formula and the dimensional relationship.

[0070] The dimensional relationships between template business metrics and target business metrics can be parallel, inclusive, or included. For example, if the time dimension of a template business metric is one month and the time dimension of a target business metric is one year, then the time dimension relationship is included. If the product dimension of both the template and target business metrics is category I, then the product dimension relationship is parallel. If the regional dimension of the template business metric is the entire bank and the regional dimension of the target business metric is a branch, then the regional dimension relationship is included. Specific examples of these dimensional relationships are not provided here.

[0071] In one embodiment, determining the target calculation formula based on the target dimension of the target business indicator includes: determining the target calculation formula based on the dimension relationship, the template calculation formula, and the preset calculation formula conversion lookup table, wherein the calculation formula conversion lookup table contains the correspondence between the template calculation formula and the target calculation formula under different dimension relationships.

[0072] Table 3 shows the conversion table of calculation formulas provided in this application. There are 3 types of time-dimension relationships, 3 types of regional-dimension relationships, and 3 types of product-dimension relationships, for a total of 27 cases. These will not be illustrated one by one here.

[0073] Table 3. Conversion Table of Calculation Formulas

[0074]

[0075]

[0076] Step 2052: Determine the target business description based on the template business description and the dimensional relationship between the target business metrics and the template business metrics.

[0077] Since the target business description represents the business meaning of the target business indicators, the target business description corresponding to the target business indicators can be obtained by using the template business indicators as templates based on the dimensional relationship between the target business indicators and the template business indicators.

[0078] Step 2053: Determine the target technical information based on the target calculation formula and template technical information.

[0079] Since the template technical information is the processing code of the target business indicator, and the target indicator is processed according to the target calculation formula, the target calculation formula is converted into template technical information in the same way as the template calculation formula to obtain the target technical information.

[0080] This application provides a method for generating banking business indicators. Based on an indicator generation request, a standard data table is determined. Then, based on the target dimension information of the target business indicator carried in the indicator generation request, the target business data corresponding to the target dimension information is determined from the standard data table. This eliminates the need for manual processing and registration of the target business data, avoiding errors caused by manual operation and saving costs. Therefore, this application automatically generates the target business indicator based on the template business indicator and the target business data, improving the efficiency of business indicator generation.

[0081] Based on the methods described in the above embodiments, this embodiment further describes the perspective of the banking business indicator generation device. Please refer to [link / reference]. Figure 4 , Figure 4 This application provides a detailed structural diagram of the banking business indicator generation device, including:

[0082] The receiving module 401 is used to receive a target business indicator generation request, wherein the indicator generation request carries target dimension information of the target business indicator, and the target dimension includes at least one of time dimension, region dimension, and product dimension.

[0083] The first determining module 402 is used to determine a standard data table based on the indicator generation request, wherein the standard data table includes business data under the target dimension;

[0084] The second determining module 403 is used to determine the target business data corresponding to the target dimension information from the standard data table based on the target dimension information.

[0085] The acquisition module 404 is used to acquire template indicator information of template business indicators. The template indicator information includes template calculation formula, template business description and template technical information. The template calculation formula represents the calculation process of the template business indicator, the template business description represents the business meaning of the template business indicator, and the template technical information is the processing code of the template business indicator.

[0086] The processing module 405 is used to process the target business data according to the template indicator information to obtain the target indicator information of the target business indicator. The target indicator information includes the target calculation formula, the target business description and the target technical information.

[0087] Accordingly, embodiments of this application also provide an electronic device, such as... Figure 5 As shown, the electronic device may include a radio frequency circuit 501, a memory 502 including one or more computer-readable storage media, an input unit 503, a display unit 504, a sensor 505, an audio circuit 506, a WiFi module 507, a processor 508 including one or more processing cores, and a power supply 509, among other components. Those skilled in the art will understand that... Figure 5 The electronic device structure shown does not constitute a limitation on the electronic device and may include more or fewer components than shown, or combine certain components, or have different component arrangements. Wherein:

[0088] The radio frequency circuit 501 can be used for receiving and transmitting signals during information transmission or calls. Specifically, it receives downlink information from the base station and hands it over to one or more processors 508 for processing; additionally, it transmits uplink data to the base station. The memory 502 can be used to store software programs and modules. The processor 508 executes various functional applications and data processing by running the software programs and modules stored in the memory 502. The input unit 503 can be used to receive input digital or character information and generate keyboard, mouse, joystick, optical, or trackball signal inputs related to user settings and function control.

[0089] Display unit 504 can be used to display information input by the user or information provided to the user, as well as various graphical user interfaces of electronic devices, which can be composed of graphics, text, icons, videos, and any combination thereof.

[0090] The electronic device may also include at least one sensor 505, such as a light sensor, a motion sensor, and other sensors. Audio circuitry 506 includes a speaker that provides an audio interface between the user and the electronic device.

[0091] WiFi is a short-range wireless transmission technology. Electronic devices using the WiFi module 507 can help users send and receive emails, browse web pages, and access streaming media, providing users with wireless broadband internet access. Figure 5 WiFi module 507 is shown, but it is understood that it is not a necessary component of the electronic device and can be omitted as needed without changing the nature of the application.

[0092] The processor 508 is the control center of the electronic device. It connects various parts of the phone through various interfaces and lines. By running or executing software programs and / or modules stored in the memory 502, and calling data stored in the memory 502, it performs various functions of the electronic device and processes data, thereby monitoring the phone as a whole.

[0093] The electronic device also includes a power supply 509 (such as a battery) that supplies power to various components. Preferably, the power supply can be logically connected to the processor 508 through a power management system, thereby enabling functions such as managing charging, discharging, and power consumption through the power management system.

[0094] Although not shown, the electronic device may also include a camera, Bluetooth module, etc., which will not be described in detail here. Specifically, in this embodiment, the processor 508 in the electronic device loads the executable files corresponding to the processes of one or more applications into the memory 502 according to the following instructions, and the processor 508 runs the applications stored in the memory 502 to achieve the following functions:

[0095] Receive a metric generation request for a target business metric, the metric generation request carrying target dimension information of the target business metric, the target dimension including at least one of time dimension, region dimension, and product dimension;

[0096] Based on the indicator generation request, a standard data table is determined, which includes business data under the target dimension;

[0097] Based on the target dimension information, the target business data corresponding to the target dimension information is determined from the standard data table;

[0098] Obtain template indicator information for template business indicators. The template indicator information includes template calculation formula, template business description, and template technical information. The template calculation formula represents the calculation process of the template business indicator, the template business description represents the business meaning of the template business indicator, and the template technical information is the processing code of the template business indicator.

[0099] The target business data is processed based on the template indicator information to obtain the target indicator information of the target business indicator. The target indicator information includes the target calculation formula, the target business description, and the target technical information.

[0100] In the above embodiments, the descriptions of each embodiment have different focuses. For parts not described in detail in a certain embodiment, please refer to the detailed description above, and they will not be repeated here.

[0101] Those skilled in the art will understand that all or part of the steps in the various methods of the above embodiments can be performed by instructions, or by instructions controlling related hardware. These instructions can be stored in a computer-readable storage medium and loaded and executed by a processor.

[0102] Therefore, embodiments of this application provide a storage medium storing multiple instructions that can be loaded by a processor to achieve the following functions:

[0103] Receive a metric generation request for a target business metric, the metric generation request carrying target dimension information of the target business metric, the target dimension including at least one of time dimension, region dimension, and product dimension;

[0104] Based on the indicator generation request, a standard data table is determined, which includes business data under the target dimension;

[0105] Based on the target dimension information, the target business data corresponding to the target dimension information is determined from the standard data table;

[0106] Obtain template indicator information for template business indicators. The template indicator information includes template calculation formula, template business description, and template technical information. The template calculation formula represents the calculation process of the template business indicator, the template business description represents the business meaning of the template business indicator, and the template technical information is the processing code of the template business indicator.

[0107] The target business data is processed based on the template indicator information to obtain the target indicator information of the target business indicator. The target indicator information includes the target calculation formula, the target business description, and the target technical information.

[0108] In one embodiment, determining the standard data table based on the indicator generation request includes:

[0109] Obtain raw business data from banking operations;

[0110] Determine standard business data related to the target business indicators from the original business data;

[0111] The standard data table is generated based on the standard business data.

[0112] In one embodiment, determining the standard business data related to the target business indicator from the original business data includes:

[0113] From the original business data, determine the candidate business data related to the target business indicator;

[0114] The candidate service data is cleaned to obtain the standard service data.

[0115] In one embodiment, processing the target business data based on the template indicator information to obtain the target indicator information of the target business indicator includes:

[0116] Based on the template calculation formula, the target calculation formula is determined;

[0117] The target business description is determined based on the template business description and the dimensional relationship between the target business metrics and the template business metrics;

[0118] The target technical information is determined based on the target calculation formula and the template technical information.

[0119] In one embodiment, determining the target calculation formula based on the template calculation formula includes:

[0120] If the dimensional relationship satisfies the preset dimensional relationship, then the template calculation formula is determined as the target calculation formula;

[0121] If the dimensional relationship is not satisfactory to the preset dimensional relationship, then the target calculation formula is determined based on the target dimension of the target business indicator.

[0122] In one embodiment, determining the target calculation formula based on the target dimension of the target business indicator includes:

[0123] Based on a preset calculation formula lookup table and the target dimension, the target calculation formula is determined. The calculation formula lookup table contains the correspondence between dimensions and calculation formulas.

[0124] In one embodiment, determining the target calculation formula based on the target dimension of the target business indicator includes:

[0125] Based on the dimensional relationship, the template calculation formula, and the preset calculation formula conversion lookup table, the target calculation formula is determined. The calculation formula conversion lookup table contains the correspondence between the template calculation formula and the target calculation formula under different dimensional relationships.

[0126] For details on the implementation of each of the above operations, please refer to the previous examples, which will not be repeated here.

[0127] The storage medium may include: read-only memory (ROM), random access memory (RAM), disk or optical disk, etc.

[0128] Since the instructions stored in the storage medium can execute the steps in any of the banking business indicator generation methods provided in the embodiments of this application, the beneficial effects that any of the banking business indicator generation methods provided in the embodiments of this application can achieve can be realized. For details, please refer to the previous embodiments, which will not be repeated here.

[0129] The foregoing has provided a detailed description of a banking business indicator generation method, apparatus, electronic device, and storage medium provided in the embodiments of this application. Specific examples have been used to illustrate the principles and implementation methods of this application. The descriptions of the above embodiments are only for the purpose of helping to understand the technical solutions and core ideas of this application. Those skilled in the art should understand that modifications can still be made to the technical solutions described in the foregoing embodiments, or equivalent substitutions can be made to some of the technical features. These modifications or substitutions do not cause the essence of the corresponding technical solutions to deviate from the scope of the technical solutions of the embodiments of this application.

Claims

1. A method for generating banking business indicators, characterized in that, include: Receive a metric generation request for a target business metric, the metric generation request carrying target dimension information of the target business metric, the target dimension including at least one of time dimension, region dimension, and product dimension; Based on the indicator generation request, a standard data table is determined, which includes business data under the target dimension; Based on the target dimension information, the target business data corresponding to the target dimension information is determined from the standard data table; Obtain template indicator information for template business indicators. The template indicator information includes template calculation formula, template business description, and template technical information. The template calculation formula represents the calculation process of the template business indicator, the template business description represents the business meaning of the template business indicator, and the template technical information is the processing code of the template business indicator. If the dimensional relationship between the target business indicator and the template business indicator satisfies a preset dimensional relationship, then the template calculation formula is determined as the target calculation formula. The preset dimensional relationship includes the fact that the dimensions of the target business indicator and the dimensions of the template business indicator are different. If the dimensional relationship between the target business indicator and the template business indicator does not satisfy the preset dimensional relationship, then the target calculation formula is determined according to the target dimension of the target business indicator; Based on the dimensional relationship between the target business indicator and the template business indicator, the template business indicator is used as a template to obtain the target business description corresponding to the target business indicator. The dimensional relationship between the target business indicator and the template business indicator can be parallel, inclusive, or contained. Based on the target calculation formula and the template technical information, the target technical information is determined. The target indicator information of the target business indicator includes the target calculation formula, the target business description, and the target technical information.

2. The method for generating banking business indicators as described in claim 1, characterized in that, The step of determining the standard data table based on the indicator generation request includes: Obtain raw business data from banking operations; Determine standard business data related to the target business indicators from the original business data; The standard data table is generated based on the standard business data.

3. The method for generating banking business indicators as described in claim 2, characterized in that, The step of determining the standard business data related to the target business indicator from the original business data includes: From the original business data, determine the candidate business data related to the target business indicator; The candidate service data is cleaned to obtain the standard service data.

4. The method for generating banking business indicators as described in claim 1, characterized in that, The step of determining the target calculation formula based on the target dimension of the target business indicator includes: Based on a preset calculation formula lookup table and the target dimension, the target calculation formula is determined. The calculation formula lookup table contains the correspondence between dimensions and calculation formulas.

5. The method for generating banking business indicators as described in claim 1, characterized in that, The step of determining the target calculation formula based on the target dimension of the target business indicator includes: Based on the dimensional relationship, the template calculation formula, and the preset calculation formula conversion lookup table, the target calculation formula is determined. The calculation formula conversion lookup table contains the correspondence between the template calculation formula and the target calculation formula under different dimensional relationships.

6. A device for generating banking business indicators, characterized in that, include: The receiving module is used to receive a metric generation request for a target business metric. The metric generation request carries the target dimension information of the target business metric. The target dimension includes at least one of time dimension, region dimension, and product dimension. The first determining module is used to determine a standard data table based on the indicator generation request, wherein the standard data table includes business data under the target dimension; The second determining module is used to determine the target business data corresponding to the target dimension information from the standard data table based on the target dimension information. The acquisition module is used to acquire template indicator information of template business indicators. The template indicator information includes template calculation formula, template business description and template technical information. The template calculation formula represents the calculation process of the template business indicator, the template business description represents the business meaning of the template business indicator, and the template technical information is the processing code of the template business indicator. The processing module is configured to: if the dimensional relationship between the target business indicator and the template business indicator satisfies a preset dimensional relationship, then determine the template calculation formula as the target calculation formula. The preset dimensional relationship includes situations where the dimensions of the target business indicator and the template business indicator differ. If the dimensional relationship between the target business indicator and the template business indicator does not satisfy the preset dimensional relationship, then determine the target calculation formula based on the target dimension of the target business indicator. Based on the dimensional relationship between the target business indicator and the template business indicator, use the template business indicator as a template to obtain the target business description corresponding to the target business indicator. The dimensional relationship between the target business indicator and the template business indicator can be parallel, inclusive, or contained. Based on the target calculation formula and the template technical information, determine the target technical information. The target indicator information of the target business indicator includes the target calculation formula, the target business description, and the target technical information.

7. An electronic device, characterized in that, The electronic device includes a memory, a processor, and a computer program stored in the memory and executable on the processor, wherein the processor executes the computer program to implement the steps of the banking business indicator generation method as described in any one of claims 1 to 5.

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 steps of the banking business indicator generation method as described in any one of claims 1 to 5.

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