A real estate project risk prediction method and device

Abstract

The present application is applicable to the field of real estate information analysis technology, and provides a real estate project risk prediction method and equipment. The method includes: calculating the risk coefficient value of the supervision funds according to the remaining supervision amount and the remaining engineering quantity; calculating the coverage coefficient value of the account balance according to the account balance, the building sold area and the required funds; calculating the project progress coefficient value according to the account balance, the required funds, the key supervision fund amount and the image progress ratio; calculating the coverage coefficient value of the remaining funds to be supervised according to the total unsold price, the account balance, the market realization rate, the required funds and the sales rate; obtaining the current building risk value based on the supervision fund risk coefficient value, the account balance coverage coefficient value, the project progress coefficient value and the remaining funds to be supervised coverage coefficient value; and performing risk prediction on the target real estate project based on the current building risk value to obtain the current risk level. The method of the present application can improve the rationality of risk prediction of real estate projects.

Description

Technical Field

[0001] The present application relates to the technical field of real estate information analysis, and in particular to a real estate project risk prediction method and device. Background Art

[0002] The real estate industry is an important part of the social economy. In recent years, with the advancement of my country's urbanization process and the improvement of people's living standards, the real estate market has shown a rapid growth trend. However, the rapid growth of the real estate economy has also led to the increase of related financial risks. Therefore, it is very important to conduct a comprehensive analysis and prevention of the risks of real estate projects. By deeply studying real estate risks, we can deepen our understanding of their essence, improve risk identification and early warning capabilities, and provide a basis for the formulation of effective preventive measures. However, traditional real estate market analysis methods are mainly based on qualitative analysis, such as based on the experience judgment of practitioners or academic risk discussions. This evaluation method is often limited to the national or city level, lacks data support, is highly subjective, and is prone to misjudgment. There is a problem of low accuracy in real estate project risk prediction. Summary of the invention

[0003] The embodiments of the present application provide a real estate project risk prediction method and device, which can solve the problem of low accuracy in real estate project risk prediction.

[0004] In a first aspect, an embodiment of the present application provides a real estate project risk prediction method, the real estate project risk prediction method comprising:

[0005] Based on the current remaining supervision amount and the current remaining construction volume of each building project in the target real estate project, calculate the supervision fund risk coefficient value used to describe the degree of matching between the current supervision funds and the construction progress of the building project;

[0006] Based on the current account balance, current building sold area and current required funds of each building project in the target real estate project, calculate the account balance coverage coefficient value used to describe the reasonableness of the current fund use of the building project;

[0007] According to the current account balance, current required funds, key supervision fund amount and current image progress ratio of each building project in the target real estate project, calculate the project progress coefficient value used to describe the reasonableness of the current construction progress of the building project; the key supervision fund amount is the amount of engineering construction costs required for the building project to meet the conditions for completion and delivery, and the current image progress ratio is the ratio of the image part of the current building project that has been completed;

[0008] Calculate the remaining regulated funds coverage factor value used to describe the current construction risk and delivery risk of each building project in the target real estate project based on the current unsold total price, current account balance, market realization rate, current required funds and sales rate of each building project;

[0009] For each building project, the current building risk value of the building project is obtained based on the supervision fund risk coefficient value, the account balance coverage coefficient value, the project progress coefficient value and the remaining supervision fund coverage coefficient value of the building project;

[0010] Based on the risk values ​​of all current buildings, risk prediction is performed on the target real estate project to obtain the current risk level of the target real estate project.

[0011] Optionally, based on the current remaining supervision amount and the current remaining construction volume of each building project in the target real estate project, calculate the supervision fund risk coefficient value used to describe the degree of matching between the current supervision funds and the construction progress of the building project, including:

[0012] By formula:

[0013]

[0014] Calculate the regulatory fund risk coefficient value of the building project.

[0015] Optionally, based on the current account balance, current building sold area and current required funds of each building project in the target real estate project, calculate the account balance coverage coefficient value used to describe the reasonable degree of current fund use of the building project, including:

[0016] By formula:

[0017]

[0018] The accounts used to calculate the building project should have a balance coverage factor value.

[0019] Optionally, based on the current account balance, current required funds, key supervision fund amount and current image progress ratio of each building project in the target real estate project, calculate the project progress coefficient value used to describe the reasonableness of the current construction progress of the building project, including:

[0020] By formula:

[0021]

[0022] Calculate the construction progress coefficient value of the building project.

[0023] Optionally, based on the current unsold total price, current account balance, market realization rate, current required funds and sales rate of each building project in the target real estate project, calculate the remaining regulated funds coverage factor value used to describe the current construction and delivery risks of the building project, including:

[0024] By formula:

[0025]

[0026] Calculate the coverage coefficient value of the remaining funds to be supervised for the building project.

[0027] Optionally, the current building risk value of the building project is obtained based on the supervision fund risk coefficient value, the account balance coverage coefficient value, the project progress coefficient value and the remaining supervision fund coverage coefficient value of the building project, including:

[0028] Analyze the regulatory fund risk coefficient value of the building project to obtain the current regulatory fund risk value of the building project;

[0029] Analyze the account balance coverage coefficient value of the building project to obtain the current account balance coverage risk value of the building project;

[0030] Analyze the engineering progress coefficient value of the building project to obtain the current engineering progress risk value of the building project;

[0031] Analyze the coverage coefficient value of the remaining funds to be supervised of the building project to obtain the current coverage risk value of the remaining funds to be supervised of the building project;

[0032] Calculate the average value of the current regulatory funds risk value, the current account balance coverage risk value, the current project progress risk value and the current remaining regulatory funds coverage risk value, and use the average value as the building risk coefficient value of the building project;

[0033] If the building risk coefficient value is less than or equal to the building risk lower limit value, the current building risk value of the building project is the first assigned value;

[0034] If the building risk coefficient value is greater than the building risk lower limit value and less than the building risk upper limit value, the current building risk value of the building project is the second assigned value;

[0035] If the building risk coefficient value is greater than the building risk upper limit value, the current building risk value of the building project is the third assigned value;

[0036] The first assigned value is less than the second assigned value, and the second assigned value is less than the third assigned value.

[0037] Optionally, analyze the regulatory fund risk coefficient value of the building project to obtain the current regulatory fund risk value of the building project, including:

[0038] If the regulatory fund risk coefficient value is greater than or equal to the regulatory fund risk coefficient upper limit value, the current regulatory fund risk value is the first assigned value;

[0039] If the regulatory fund risk coefficient value is less than the regulatory fund risk coefficient upper limit value and greater than the regulatory fund risk coefficient lower limit value, the current regulatory fund risk value is the second assigned value;

[0040] If the regulatory fund risk coefficient value is less than or equal to the regulatory fund risk coefficient lower limit value, the current regulatory fund risk value is the third assigned value;

[0041] Analyze the account balance coverage coefficient value of the building project to obtain the current account balance coverage risk value of the building project, including:

[0042] If the account's expected balance coverage coefficient value is greater than or equal to the account's expected balance coverage coefficient upper limit value, the current account's expected balance coverage risk value is the first assigned value;

[0043] If the account's expected balance coverage coefficient value is less than the account's expected balance coverage coefficient upper limit value and greater than the account's expected balance coverage coefficient lower limit value, the current account's expected balance coverage risk value is the second assigned value;

[0044] If the account's expected balance coverage coefficient value is less than or equal to the account's expected balance coverage coefficient lower limit value, the current account's expected balance coverage risk value is the third assigned value;

[0045] Analyze the project progress coefficient value of the building project to obtain the current project progress risk value of the building project, including:

[0046] If the project progress coefficient value is negative or greater than or equal to the upper limit of the project progress coefficient, the current project progress risk value is the first assigned value;

[0047] If the engineering progress coefficient value is less than the engineering progress coefficient upper limit value and greater than the engineering progress coefficient lower limit value, the current engineering progress risk value is the second assigned value;

[0048] If the engineering progress coefficient value is less than or equal to the engineering progress coefficient lower limit value, the current engineering progress risk value is the third assigned value;

[0049] Analyze the coverage coefficient value of the remaining funds to be supervised of the building project to obtain the current remaining funds to be supervised coverage risk value of the building project, including:

[0050] If the remaining funds to be regulated coverage coefficient value is greater than or equal to the remaining funds to be regulated coverage coefficient upper limit value, the current remaining funds to be regulated coverage risk value is the first assigned value;

[0051] If the remaining funds to be regulated coverage coefficient value is less than the remaining funds to be regulated coverage coefficient upper limit value, and greater than the remaining funds to be regulated coverage coefficient lower limit value, then the current remaining funds to be regulated coverage risk value is the second assigned value;

[0052] If the remaining regulated funds coverage coefficient value is less than or equal to the remaining regulated funds coverage coefficient lower limit value, the current remaining regulated funds coverage risk value is the third assigned value.

[0053] Optionally, a risk forecast is performed on the target real estate project based on all current building risk values ​​to obtain the current risk level of the target real estate project, including:

[0054] Calculate the average of the current building risk values ​​of all building projects;

[0055] If the average value of the current building risk value is less than or equal to the lower limit of real estate risk, the current risk level of the target real estate project is the first risk level;

[0056] If the average value of the current risk is greater than the lower limit of real estate risk and less than the upper limit of real estate risk, the current risk level of the target real estate project is the second risk level;

[0057] If the average value of the current risk is greater than or equal to the upper limit of real estate risk, the current risk level of the target real estate project is the third risk level;

[0058] The first risk level is lower than the second risk level, and the second risk level is lower than the third risk level.

[0059] Optionally, the real estate project risk prediction method also includes:

[0060] If the current sales ratio of the building area of ​​the building project is 0%, the current regulatory fund risk value, account balance coverage risk value, project progress risk value, and remaining regulatory fund coverage risk value of the building project are all assigned the first value;

[0061] If the building project currently has sold area and the amount received is 0, the current supervision fund risk value, account balance coverage risk value, project progress risk value, and remaining supervision fund coverage risk value of the building project are all third-assigned values;

[0062] If the current image progress ratio of the building project is 100%, the current regulatory fund risk value of the building project is the first assignment;

[0063] If the current required funds for the building project are 0, then the current account balance of the building project should cover the risk value and the remaining funds to be supervised should cover the risk value are both the first assigned value;

[0064] If the current amount received for the building project is not 0 and the project is not completed, the current project progress risk value of the building project is the first assignment;

[0065] If the agreed delivery time has arrived and the current construction progress of the building project is less than or equal to the preset construction progress, the current building risk value of the building project will be the third assigned value.

[0066] In a second aspect, an embodiment of the present application provides a real estate project risk prediction device, comprising:

[0067] The first calculation module calculates the regulatory fund risk coefficient value used to describe the degree of matching between the current regulatory funds and the project progress of each building project in the target real estate project according to the current remaining regulatory amount and the current remaining construction volume of each building project;

[0068] The second calculation module calculates the account balance coverage coefficient value used to describe the reasonable degree of current fund use of the building project based on the current account balance of each building project in the target real estate project, the current building sold area and the current required funds;

[0069] The third calculation module calculates the engineering progress coefficient value used to describe the reasonableness of the current construction progress of the building project according to the current account balance, current required funds, key supervision fund amount and current image progress ratio of each building project in the target real estate project; the key supervision fund amount is the amount of engineering construction costs required for the building project to meet the completion and delivery conditions, and the current image progress ratio is the ratio of the image part that has been completed in the current building project;

[0070] The fourth calculation module calculates the remaining regulated funds coverage coefficient value used to describe the current construction risk and delivery risk of each building project in the target real estate project based on the current unsold total price, current account balance, market realization rate, current required funds and sales rate;

[0071] The acquisition module obtains the current building risk value of each building project based on the supervision fund risk coefficient value, the account balance coverage coefficient value, the project progress coefficient value and the remaining supervision fund coverage coefficient value of the building project;

[0072] The risk prediction module predicts the risk of the target real estate project based on the risk values ​​of all current buildings to obtain the current risk level of the target real estate project.

[0073] In a third aspect, an embodiment of the present application provides a terminal device, including a memory, a processor, and a computer program stored in the memory and executable on the processor, wherein the processor implements the above-mentioned real estate project risk prediction method when executing the above-mentioned computer program.

[0074] In a fourth aspect, an embodiment of the present application provides a computer-readable storage medium, which stores a computer program, and when the computer program is executed by a processor, the above-mentioned real estate project risk prediction method is implemented.

[0075] The above solution of the present application has the following beneficial effects:

[0076] In an embodiment of the present application, a regulatory fund risk coefficient value for describing the degree of matching between the current regulatory funds and the project progress of the building project is calculated based on the current remaining regulatory amount and the current remaining construction volume of each building project in the target real estate project. Then, based on the current account balance of each building project in the target real estate project, the current sold area of ​​the building and the current required funds, the account balance coverage coefficient value for describing the reasonable degree of current fund use of the building project is calculated. Then, based on the current account balance of each building project in the target real estate project, the current required funds, the amount of key regulatory funds and the current proportion of image progress, the account balance coverage coefficient value for describing the reasonable degree of current fund use of the building project is calculated. The project progress coefficient value of the reasonable degree of the previous construction progress is calculated, and then the remaining supervised funds coverage coefficient value used to describe the current construction risk and delivery risk of the building project is calculated according to the current unsold total price, current account balance, current required funds and sales rate of each building project in the target real estate project. Then, for each building project, the current building risk value of the building project is obtained based on the supervision fund risk coefficient value of the building project, the account balance coverage coefficient value, the project progress coefficient value and the remaining supervised funds coverage coefficient value. Finally, based on all current building risk values, the target real estate project is risk predicted to obtain the current risk level of the target real estate project. Among them, the supervision fund risk coefficient value, the account balance coverage coefficient value, the project progress coefficient value and the remaining supervised funds coverage coefficient value calculated according to the current information of the building project can comprehensively evaluate the risks of the building project's funds, construction progress and market from different angles, thereby improving the rationality of the risk prediction of the building project, and through hierarchical risk analysis, it can improve the rationality of the risk prediction of the real estate project while improving the rationality of the risk prediction of the building project.

[0077] Other beneficial effects of the present application will be described in detail in the subsequent specific implementation section. BRIEF DESCRIPTION OF THE DRAWINGS

[0078] In order to more clearly illustrate the technical solutions in the embodiments of the present application, the drawings required for use in the embodiments or the description of the prior art will be briefly introduced below. Obviously, the drawings described below are only some embodiments of the present application. For ordinary technicians in this field, other drawings can be obtained based on these drawings without paying any creative work.

[0079] Figure 1A flow chart of a real estate project risk prediction method provided in one embodiment of the present application;

[0080] Figure 2 A schematic diagram of the structure of a real estate project risk prediction device provided in one embodiment of the present application;

[0081] Figure 3 A schematic diagram of the structure of a terminal device provided in one embodiment of the present application. DETAILED DESCRIPTION

[0082] In the following description, specific details such as specific system structures, technologies, etc. are provided for the purpose of illustration rather than limitation, so as to provide a thorough understanding of the embodiments of the present application. However, it should be clear to those skilled in the art that the present application may also be implemented in other embodiments without these specific details. In other cases, detailed descriptions of well-known systems, devices, circuits, and methods are omitted to prevent unnecessary details from obstructing the description of the present application.

[0083] It should be understood that when used in the present specification and the appended claims, the term "comprising" indicates the presence of described features, wholes, steps, operations, elements and / or components, but does not exclude the presence or addition of one or more other features, wholes, steps, operations, elements, components and / or combinations thereof.

[0084] It should also be understood that the term “and / or” used in the specification and appended claims refers to any and all possible combinations of one or more of the associated listed items, and includes these combinations.

[0085] As used in the specification and appended claims of this application, the term "if" can be interpreted as "when" or "uponce" or "in response to determining" or "in response to detecting", depending on the context. Similarly, the phrase "if it is determined" or "if [described condition or event] is detected" can be interpreted as meaning "uponce it is determined" or "in response to determining" or "uponce [described condition or event] is detected" or "in response to detecting [described condition or event]", depending on the context.

[0086] In addition, in the description of the present application specification and the appended claims, the terms "first", "second", "third", etc. are only used to distinguish the descriptions and cannot be understood as indicating or implying relative importance.

[0087] References to "one embodiment" or "some embodiments" etc. described in the specification of this application mean that one or more embodiments of the present application include specific features, structures or characteristics described in conjunction with the embodiment. Therefore, the statements "in one embodiment", "in some embodiments", "in some other embodiments", "in some other embodiments", etc. that appear in different places in this specification do not necessarily refer to the same embodiment, but mean "one or more but not all embodiments", unless otherwise specifically emphasized in other ways. The terms "including", "comprising", "having" and their variations all mean "including but not limited to", unless otherwise specifically emphasized in other ways.

[0088] In view of the problem of low accuracy in existing real estate project risk prediction, an embodiment of the present application provides a real estate project risk prediction method, which calculates a regulatory fund risk coefficient value used to describe the degree of matching between the current regulatory funds and the project progress of each building project according to the current remaining regulatory amount and the current remaining construction volume of each building project in the target real estate project, and then calculates an account balance coverage coefficient value used to describe the reasonable degree of current fund use of the building project according to the current account balance, the current building sold area and the current required funds of each building project in the target real estate project, and then calculates the account balance coverage coefficient value used to describe the reasonable degree of current fund use of the building project according to the current account balance, the current required funds, the key regulatory funds and the current required funds of each building project in the target real estate project. The amount of money and the current image progress ratio are used to calculate the engineering progress coefficient value used to describe the reasonableness of the current construction progress of the building project. Then, according to the current unsold total price, current account balance, current required funds and sales rate of each building project in the target real estate project, the remaining supervised funds coverage coefficient value used to describe the current construction risk and delivery risk of the building project is calculated. Then, for each building project, the current building risk value of the building project is obtained based on the supervisory fund risk coefficient value of the building project, the account balance coverage coefficient value, the engineering progress coefficient value and the remaining supervised funds coverage coefficient value. Finally, based on all current building risk values, the target real estate project is risk predicted to obtain the current risk level of the target real estate project. Among them, the supervisory fund risk coefficient value, the account balance coverage coefficient value, the engineering progress coefficient value and the remaining supervised funds coverage coefficient value calculated according to the current information of the building project can comprehensively evaluate the risks of the funds, engineering progress and market of the building project from different angles, thereby improving the rationality of the risk prediction of the building project, and through hierarchical risk analysis, the rationality of the risk prediction of the building project is improved while improving the rationality of the risk prediction of the real estate project.

[0089] To facilitate understanding of the real estate project risk prediction method of the present application, the following terms involved in the present application are explained below.

[0090] Current remaining supervision amount: refers to the remaining amount in the supervision bank account of the current building project.

[0091] Current remaining construction volume: refers to the remaining construction volume required for the current building project.

[0092] The value of the regulatory fund risk coefficient is set to reflect the degree of match between the current regulatory funds and the project progress of the building project. It is calculated based on the proportion of the current remaining regulatory amount of the building project and the current remaining project volume. The larger the value, the higher the degree of match and the smaller the risk; the smaller the value, the lower the degree of match and the greater the risk.

[0093] Current account balance: refers to the balance of the fund supervision account of the current building project.

[0094] Current building sold area: refers to the building area that has been sold in the current building project.

[0095] Current funds required: refers to the funds required for the current unfinished projects of the building project.

[0096] The account balance coverage coefficient value is set to reflect the current rationality of the building project's use of funds. It is calculated based on the building project's current account balance, the current building's sold area, and the current funds required. The larger the value, the more rational the use of funds and the smaller the risk. The smaller the balance, the less rational the use of funds and the greater the risk.

[0097] Key supervision fund amount: refers to the amount of construction costs required for a building project to meet the conditions for completion and delivery.

[0098] Current visual progress ratio: refers to the ratio of the visual part of the current building project that has been completed. The visual part refers to the various stages of the project, such as foundation, structure, roof, decoration, and finishing in the civil engineering project.

[0099] Project progress coefficient value: It is set to reflect the reasonableness of the current construction progress of the building project. It is calculated based on the current account balance of the building project, the current funds required, the amount of key supervision funds and the current image progress ratio. The larger the value or the negative value, the more reasonable the construction progress and the smaller the risk. The smaller the value, the less reasonable the construction progress and the greater the risk.

[0100] Current unsold total price: refers to the total price of the unsold building area in the current building project.

[0101] Market realization rate: refers to the ratio of the sales cost of real estate projects to the average inventory balance over a period of time. The sales cost refers to the cost of the projects that have been sold, and the average inventory balance refers to the unsold projects under construction, completed projects for sale and other unsold projects in the real estate projects.

[0102] Sales rate: refers to the ratio of sales to new supply over a period of time.

[0103] The coverage coefficient value of the remaining funds to be supervised is set to reflect the current construction risk and delivery risk of the building project. It is calculated based on the current total unsold price of the building project, the current account balance, the market realization rate, the current required funds and the sales rate. The larger the value, the smaller the construction risk and delivery risk, and the smaller the value, the greater the construction risk and delivery risk.

[0104] Current building risk value: used to describe the current risk situation of the building project. The smaller the value, the smaller the risk, and the larger the value, the greater the risk.

[0105] Next, an exemplary description is given of the real estate project risk prediction method provided in this application.

[0106] like Figure 1 As shown, the real estate project risk prediction method provided by this application includes the following steps:

[0107] Step 11, based on the current remaining supervision amount and the current remaining construction volume of each building project in the target real estate project, calculate the supervision fund risk coefficient value used to describe the degree of matching between the current supervision funds and the construction progress of the building project.

[0108] It should be noted that the above-mentioned target real estate projects are real estate projects that require risk forecasting.

[0109] Specifically, through the formula:

[0110]

[0111] Calculate the regulatory fund risk coefficient value of the building project.

[0112] For example, if the current remaining regulatory funds of a building project account for 30% and the current remaining construction volume accounts for 20%, then the regulatory funds risk coefficient value of the building project is 1.5.

[0113] It is worth mentioning that the regulatory fund risk coefficient value calculated based on the current remaining regulatory amount and the current remaining project volume of the building project can be used to evaluate the degree of matching between regulatory funds and project progress. The regulatory fund risk coefficient value can also be used to determine whether there is unreasonable use of funds in the building project or whether the project progress is behind schedule.

[0114] Step 12, based on the current account balance of each building project in the target real estate project, the current building sold area and the current required funds, calculate the account balance coverage coefficient value used to describe the reasonableness of the current fund use of the building project.

[0115] Specifically, through the formula:

[0116]

[0117] The accounts used to calculate the building project should have a balance coverage factor value.

[0118] For example, the current account balance of the building project is 200,000, the current building sold area accounts for 10%, and the current required funds are 100,000. The account balance coverage coefficient value of the building project should be 20.

[0119] It is worth mentioning that the account balance coverage coefficient value calculated based on the current account balance of the building project, the current building sold area and the current required funds can be used to evaluate the rationality of the current fund use of the building project and measure whether the current account balance is sufficient to cover the funds required for the completion of the project.

[0120] Step 13, based on the current account balance, current required funds, key supervision fund amount and current image progress ratio of each building project in the target real estate project, calculate the project progress coefficient value used to describe the reasonableness of the current construction progress of the building project.

[0121] Specifically, through the formula:

[0122]

[0123] Calculate the construction progress coefficient value of the building project.

[0124] For example, the current funds required for the building project are 100,000, the current account balance is 200,000, the key supervision fund amount is 50,000, and the current image progress ratio is 50%. The calculated engineering progress coefficient value of the building project is -4.

[0125] It is worth mentioning that the project progress coefficient value calculated based on the current account balance of the building project, the current required funds, the key supervision fund amount and the current image progress ratio can reflect whether the progress of the project construction is reasonable and evaluate the risk of the project progress. At the same time, the project progress coefficient value can be used to determine whether there are project delays due to funding problems.

[0126] Step 14, based on the current total unsold price, current account balance, market realization rate, current required funds and sales rate of each building project in the target real estate project, calculate the remaining regulated funds coverage coefficient value used to describe the current construction risk and delivery risk of the building project.

[0127] Specifically, through the formula:

[0128]

[0129] Calculate the coverage coefficient of the remaining funds to be supervised for the building project.

[0130] Exemplarily, the first half of the year before the current moment is selected as the time period of the sales rate, and the sales rate corresponding to this period is obtained. The sales rate is 60%, the market realization rate is 70%, the current unsold total price of the building project is 500,000, the current account balance is 200,000, and the current required funds are 100,000. The calculated coverage coefficient of the remaining funds to be supervised for the building project is 4.1.

[0131] It is worth mentioning that based on the current total unsold price of the building project, the current account balance, the market realization rate, the current required funds and the sales rate, the calculated remaining regulated funds coverage coefficient value can be used to evaluate the construction risk and delivery risk.

[0132] Step 15, for each building project, obtain the current building risk value of the building project based on the supervision fund risk coefficient value of the building project, the account balance coverage coefficient value, the project progress coefficient value and the remaining supervision fund coverage coefficient value.

[0133] In some embodiments of the present application, the step of obtaining the current building risk value of the building project based on the supervision fund risk coefficient value of the building project, the account balance coverage coefficient value, the project progress coefficient value and the remaining supervision fund coverage coefficient value specifically includes:

[0134] The first step is to analyze the regulatory fund risk coefficient value of the building project to obtain the current regulatory fund risk value of the building project.

[0135] Specifically, if the regulatory funds risk coefficient value is greater than or equal to the regulatory funds risk coefficient upper limit value, the current regulatory funds risk value is the first assigned value.

[0136] If the regulatory funds risk coefficient value is less than the upper limit of the regulatory funds risk coefficient and greater than the lower limit of the regulatory funds risk coefficient, the current regulatory funds risk value is the second assigned value.

[0137] If the regulatory funds risk coefficient value is less than or equal to the regulatory funds risk coefficient lower limit, the current regulatory funds risk value is the third assigned value.

[0138] The second step is to analyze the account balance coverage coefficient value of the building project to obtain the current account balance coverage risk value of the building project.

[0139] Specifically, if the account's expected balance coverage coefficient value is greater than or equal to the account's expected balance coverage coefficient upper limit value, the current account's expected balance coverage risk value is the first assigned value.

[0140] If the account's expected balance coverage coefficient value is less than the account's expected balance coverage coefficient upper limit value and greater than the account's expected balance coverage coefficient lower limit value, the current account's expected balance coverage risk value is the second assigned value.

[0141] If the account's expected balance coverage coefficient value is less than or equal to the account's expected balance coverage coefficient lower limit value, the current account's expected balance coverage risk value is the third assigned value.

[0142] The third step is to analyze the engineering progress coefficient value of the building project to obtain the current engineering progress risk value of the building project.

[0143] Specifically, if the engineering progress coefficient value is a negative value or is greater than or equal to the engineering progress coefficient upper limit value, the current engineering progress risk value is the first assigned value.

[0144] If the engineering progress coefficient value is less than the engineering progress coefficient upper limit value and greater than the engineering progress coefficient lower limit value, the current engineering progress risk value is the second assigned value.

[0145] If the engineering progress coefficient value is less than or equal to the lower limit of the engineering progress coefficient, the current engineering progress risk value is the third assigned value.

[0146] The fourth step is to analyze the coverage coefficient value of the remaining funds to be supervised of the building project to obtain the current remaining funds to be supervised coverage risk value of the building project.

[0147] If the remaining funds to be regulated coverage coefficient value is greater than or equal to the upper limit value of the remaining funds to be regulated coverage coefficient, the current remaining funds to be regulated coverage risk value is the first assigned value.

[0148] If the remaining regulated funds coverage coefficient value is less than the upper limit of the remaining regulated funds coverage coefficient and greater than the lower limit of the remaining regulated funds coverage coefficient, then the current remaining regulated funds coverage risk value is the second assigned value.

[0149] If the remaining regulated funds coverage coefficient value is less than or equal to the remaining regulated funds coverage coefficient lower limit value, the current remaining regulated funds coverage risk value is the third assigned value.

[0150] The fifth step is to calculate the average value of the current regulatory funds risk value, the current account balance coverage risk value, the current project progress risk value and the current remaining regulatory funds coverage risk value, and use the average value as the building risk coefficient value of the building project.

[0151] If the building risk coefficient value is less than or equal to the building risk lower limit value, the current building risk value of the building project is the first assigned value.

[0152] If the building risk coefficient value is greater than the building risk lower limit value and less than the building risk upper limit value, the current building risk value of the building project is the second assigned value.

[0153] If the building risk coefficient value is greater than the building risk upper limit value, the current building risk value of the building project is the third assigned value.

[0154] It should be noted that the first assignment is smaller than the second assignment, the second assignment is smaller than the third assignment, the first assignment represents low risk, the second assignment represents medium risk, and the third assignment represents high risk.

[0155] In addition to the above-mentioned method of analyzing the calculated values ​​to obtain the risk value, there are many special situations in actual real estate projects. These special situations are also important conditions for obtaining the risk value, and have a higher priority than the above-mentioned method of analyzing the calculated values. Specifically:

[0156] If the current sales ratio of the building area of ​​a building project is 0%, then the current regulatory funds risk value, the account balance coverage risk value, the project progress risk value, and the remaining regulatory funds coverage risk value of the building project will all be the first assigned value.

[0157] If the building project currently has sold area and the amount received is 0, then the current regulatory funds risk value, the account balance coverage risk value, the project progress risk value, and the remaining regulatory funds coverage risk value of the building project are all third assigned values.

[0158] If the current image progress ratio of the building project is 100%, the current regulatory fund risk value of the building project will be the first assigned value.

[0159] If the current funds required for the building project are 0, then the current account balance of the building project should cover the risk value, and the remaining funds to be supervised should cover the risk value, both of which are the first assigned values.

[0160] If the current amount received for the building project is not 0 and it is not completed, the current project progress risk value of the building project is assigned the first value.

[0161] If the agreed delivery time has arrived and the current construction progress of the building project is less than or equal to the preset construction progress, the current building risk value of the building project will be the third assigned value.

[0162] For example, the first assignment is 0.1, the second assignment is 0.5, the third assignment is 1, the upper limit of the regulatory funds risk coefficient is 0.9, the lower limit of the regulatory funds risk coefficient is 0.3, and the regulatory funds risk coefficient value is 1.5. Then the current regulatory funds risk value of the building project is the first assignment 0.1; the upper limit of the account balance coverage coefficient is 0.9, the lower limit of the account balance coverage coefficient is 0.6, and the account balance coverage coefficient value is 20. Then the current account balance coverage risk value of the building project is the first assignment 0.1; the upper limit of the project progress coefficient is 0.8, the lower limit of the project progress coefficient is 0.3, and the project progress coefficient value is -4. Then the current project progress risk value of the building project is the first assignment 0.1; the upper limit of the remaining regulated funds coverage coefficient is 0.8, the lower limit of the remaining regulated funds coverage coefficient is 0.3, and the remaining regulated funds coverage coefficient value is 4.1. Then the current remaining regulated funds coverage risk value of the building project is the first assignment 0.1.

[0163] The calculated average value is 0.1, that is, the building risk coefficient value of the building project is 0.1, the lower limit of the building risk is 0.3, and the upper limit of the building risk is 0.5. The current building risk value of the building project is the first assigned value of 0.1, indicating that the building project is currently at low risk.

[0164] It is worth mentioning that the regulatory funds risk coefficient value, account balance coverage coefficient value, project progress coefficient value and remaining regulatory funds coverage coefficient value calculated based on the current information of the building project can comprehensively evaluate the risks of funds, project progress and market of the building project from different angles, thereby improving the rationality of the risk forecast of the building project.

[0165] Step 16: Perform risk prediction on the target real estate project based on all current building risk values ​​to obtain the current risk level of the target real estate project.

[0166] In some embodiments of the present application, the above-mentioned step of performing risk prediction on the target real estate project based on all current building risk values ​​to obtain the current risk level of the target real estate project is specifically as follows:

[0167] The first step is to calculate the average current building risk value of all building projects.

[0168] In the second step, if the average value of the current building risk value is less than or equal to the lower limit of real estate risk, the current risk level of the target real estate project is the first risk level.

[0169] If the average value of the current risk is greater than the lower limit of real estate risk and less than the upper limit of real estate risk, the current risk level of the target real estate project is the second risk level.

[0170] If the average value of the current risk is greater than or equal to the upper limit of the real estate risk, the current risk level of the target real estate project is the third risk level.

[0171] The first risk level is lower than the second risk level, and the second risk level is lower than the third risk level.

[0172] For example, if the average current building risk value of all building projects is 0.4, the lower limit of real estate risk is 0.3, and the upper limit of real estate risk is 0.5, then the current risk level of the target real estate project is the second risk level, indicating that the current risk of the target real estate project is medium. If the average current building risk value of all building projects is 0.2, then the current risk level of the target real estate project is the first risk level, indicating that the current risk of the target real estate project is low. If the average current building risk value of all building projects is 0.7, then the current risk level of the target real estate project is the third risk level, indicating that the current risk of the target real estate project is high.

[0173] In some embodiments of the present application, if the current risk level of the target real estate project is determined to be the first risk level, it indicates that the current risk of the target real estate project is low; if the current risk level of the target real estate project is determined to be the second risk level, it indicates that the current risk of the target real estate project is medium; if the current risk level of the target real estate project is determined to be the third risk level, it indicates that the current risk of the target real estate project is high. By evaluating and predicting the current risk level of the target real estate project, the developer of the real estate project can take timely measures to remedy the situation. It can also serve as a reference indicator for home buyers when consuming, allowing home buyers to choose appropriate real estate projects to avoid causing losses to themselves. It can also serve as an evaluation indicator for the target real estate project by the relevant management department, and the real estate project can be managed accordingly in a timely manner according to the current risk level.

[0174] It is worth mentioning that the regulatory funds risk coefficient value, account balance coverage coefficient value, project progress coefficient value and remaining regulatory funds coverage coefficient value calculated based on the current information of the building project can comprehensively evaluate the risks of funds, project progress and market of the building project from different angles, thereby improving the rationality of the risk forecast of the building project, and through hierarchical risk analysis, it can improve the rationality of the risk forecast of the real estate project while improving the rationality of the risk forecast of the building project.

[0175] The real estate project risk prediction device provided in this application is exemplified below.

[0176] like Figure 2 As shown, the embodiment of the present application provides a real estate project risk prediction device, and the real estate project risk prediction device 200 includes:

[0177] The first calculation module 201 calculates the supervision fund risk coefficient value used to describe the matching degree between the current supervision funds and the project progress of each building project in the target real estate project according to the current remaining supervision amount and the current remaining construction volume of each building project;

[0178] The second calculation module 202 calculates the account balance coverage coefficient value used to describe the reasonable degree of current fund use of the building project according to the current account balance of each building project in the target real estate project, the current building sold area and the current required funds;

[0179] The third calculation module 203 calculates the engineering progress coefficient value used to describe the reasonableness of the current construction progress of each building project in the target real estate project according to the current account balance, the current required funds, the key supervision fund amount and the current image progress ratio of each building project in the target real estate project; the key supervision fund amount is the amount of engineering construction costs required for the building project to meet the completion and delivery conditions, and the current image progress ratio is the ratio of the image part of the current building project that has been completed;

[0180] The fourth calculation module 204 calculates the remaining funds coverage coefficient value to be supervised for describing the current construction risk and delivery risk of each building project in the target real estate project according to the current unsold total price, current account balance, market realization rate, current required funds and sales rate of each building project in the target real estate project;

[0181] The acquisition module 205 acquires the current building risk value of each building project based on the supervision fund risk coefficient value, the account balance coverage coefficient value, the project progress coefficient value and the remaining supervision fund coverage coefficient value of the building project;

[0182] The risk prediction module 206 performs risk prediction on the target real estate project based on all current building risk values ​​to obtain the current risk level of the target real estate project.

[0183] It should be noted that the information interaction, execution process, etc. between the above-mentioned devices / units are based on the same concept as the method embodiment of the present application. Their specific functions and technical effects can be found in the method embodiment part and will not be repeated here.

[0184] The technicians in the relevant field can clearly understand that for the convenience and simplicity of description, only the division of the above-mentioned functional units and modules is used as an example for illustration. In practical applications, the above-mentioned function allocation can be completed by different functional units and modules as needed, that is, the internal structure of the device can be divided into different functional units or modules to complete all or part of the functions described above. The functional units and modules in the embodiment can be integrated in a processing unit, or each unit can exist physically separately, or two or more units can be integrated in one unit. The above-mentioned integrated unit can be implemented in the form of hardware or in the form of software functional units. In addition, the specific names of the functional units and modules are only for the convenience of distinguishing each other, and are not used to limit the scope of protection of this application. The specific working process of the units and modules in the above-mentioned system can refer to the corresponding process in the aforementioned method embodiment, which will not be repeated here.

[0185] like Figure 3 As shown, an embodiment of the present application provides a terminal device. The terminal device D10 of this embodiment includes: at least one processor D100 ( Figure 3 Only one processor is shown in the figure), a memory D101, and a computer program D102 stored in the memory D101 and executable on the at least one processor D100, wherein the processor D100 implements the steps of any of the above-mentioned method embodiments when executing the computer program D102.

[0186] Specifically, when the processor D100 executes the computer program D102, the supervisory fund risk coefficient value used to describe the degree of matching between the current supervisory funds and the project progress of the building project is calculated according to the current remaining supervisory amount and the current remaining construction volume of each building project in the target real estate project, and then the account balance coverage coefficient value used to describe the reasonable degree of current fund use of the building project is calculated according to the current account balance, the current sold area of ​​the building and the current required funds of each building project in the target real estate project, and then the account balance coverage coefficient value used to describe the reasonable degree of current fund use of the building project is calculated according to the current account balance, the current required funds, the key supervisory fund amount and the current image progress ratio of each building project in the target real estate project. Calculate the engineering progress coefficient value used to describe the reasonableness of the current construction progress of the building project, and then calculate the remaining supervised funds coverage coefficient value used to describe the current construction risk and delivery risk of the building project according to the current unsold total price, current account balance, current required funds and sales rate of each building project in the target real estate project. Then, for each building project, obtain the current building risk value of the building project based on the supervision fund risk coefficient value of the building project, the account balance coverage coefficient value, the engineering progress coefficient value and the remaining supervised funds coverage coefficient value. Finally, based on all current building risk values, the target real estate project is risk predicted to obtain the current risk level of the target real estate project. Among them, the supervision fund risk coefficient value, the account balance coverage coefficient value, the engineering progress coefficient value and the remaining supervised funds coverage coefficient value calculated according to the current information of the building project can comprehensively evaluate the risks of the building project's funds, engineering progress and market from different angles, thereby improving the rationality of the risk prediction of the building project, and through hierarchical risk analysis, it can improve the rationality of the risk prediction of the real estate project while improving the rationality of the risk prediction of the building project.

[0187] The processor D100 may be a central processing unit (CPU), or other general-purpose processors, digital signal processors (DSP), application-specific integrated circuits (ASIC), field-programmable gate arrays (FPGA), or other programmable logic devices, discrete gate or transistor logic devices, discrete hardware components, etc. A general-purpose processor may be a microprocessor or any conventional processor, etc.

[0188] In some embodiments, the memory D101 may be an internal storage unit of the terminal device D10, such as a hard disk or memory of the terminal device D10. In other embodiments, the memory D101 may also be an external storage device of the terminal device D10, such as a plug-in hard disk, a smart memory card (SMC, SmartMedia Card), a secure digital (SD, Secure Digital) card, a flash card (Flash Card), etc. equipped on the terminal device D10. Further, the memory D101 may also include both an internal storage unit of the terminal device D10 and an external storage device. The memory D101 is used to store an operating system, an application program, a boot loader (BootLoader), data and other programs, such as the program code of the computer program, etc. The memory D101 may also be used to temporarily store data that has been output or is to be output.

[0189] An embodiment of the present application further provides a computer-readable storage medium, wherein the computer-readable storage medium stores a computer program, and when the computer program is executed by a processor, the steps in the above-mentioned method embodiments can be implemented.

[0190] An embodiment of the present application provides a computer program product. When the computer program product runs on a terminal device, the terminal device can implement the steps in the above-mentioned method embodiments when executing the computer program product.

[0191] If the integrated unit is implemented in the form of a software functional unit and sold or used as an independent product, it can be stored in a computer-readable storage medium. Based on this understanding, the present application implements all or part of the processes in the above-mentioned embodiment method, which can be completed by instructing the relevant hardware through a computer program. The computer program can be stored in a computer-readable storage medium. When the computer program is executed by the processor, the steps of the above-mentioned various method embodiments can be implemented. Among them, the computer program includes computer program code, and the computer program code can be in source code form, object code form, executable file or some intermediate form. The computer-readable medium may at least include: any entity or device that can carry the computer program code to the real estate project risk prediction method device / terminal device, recording medium, computer memory, read-only memory (ROM, Read-Only Memory), random access memory (RAM, Random Access Memory), electric carrier signal, telecommunication signal and software distribution medium. For example, a USB flash drive, a mobile hard disk, a magnetic disk or an optical disk. In some jurisdictions, according to legislation and patent practice, computer-readable media cannot be electric carrier signals and telecommunication signals.

[0192] In the above embodiments, the description of each embodiment has its own emphasis. For parts that are not described or recorded in detail in a certain embodiment, reference can be made to the relevant descriptions of other embodiments.

[0193] Those of ordinary skill in the art will appreciate that the units and algorithm steps of each example described in conjunction with the embodiments disclosed herein can be implemented in electronic hardware or a combination of computer software and electronic hardware. Whether these functions are performed in hardware or software depends on the specific application and design constraints of the technical solution. Professional and technical personnel can use different methods to implement the described functions for each specific application, but such implementation should not be considered to be beyond the scope of this application.

[0194] The above is a preferred embodiment of the present application. It should be pointed out that for ordinary technicians in this technical field, several improvements and modifications can be made without departing from the principles described in the present application. These improvements and modifications should also be regarded as the scope of protection of the present application.

Claims

1. A real estate project risk prediction method, characterized in that: include: Based on the current remaining supervision amount and the current remaining construction volume of each building project in the target real estate project, calculate the supervision fund risk coefficient value used to describe the degree of matching between the current supervision funds and the construction progress of the building project; Calculate the account balance coverage coefficient value used to describe the reasonable degree of current fund use of the building project based on the current account balance, current building sold area and current required funds of each building project in the target real estate project; According to the current account balance, current required funds, key supervision fund amount and current image progress ratio of each building project in the target real estate project, calculate the engineering progress coefficient value used to describe the reasonableness of the current construction progress of the building project; the key supervision fund amount is the amount of engineering construction costs required for the building project to meet the conditions for completion and delivery, and the current image progress ratio is the ratio of the image part of the current building project that has been completed; Calculate the remaining regulated funds coverage factor value used to describe the current construction risk and delivery risk of the building project based on the current unsold total price, current account balance, market realization rate, current required funds and sales rate of each building project in the target real estate project; For each building project, the current building risk value of the building project is obtained based on the regulatory fund risk coefficient value, the account balance coverage coefficient value, the project progress coefficient value and the remaining regulatory fund coverage coefficient value of the building project; Perform risk prediction on the target real estate project based on all current building risk values ​​to obtain the current risk level of the target real estate project; The calculation of the regulatory fund risk coefficient value used to describe the degree of matching between the current regulatory funds and the project progress of each building project in the target real estate project based on the current remaining regulatory amount and the current remaining construction volume includes: By formula: Calculate the regulatory fund risk coefficient value of the building project; The calculation of the account balance coverage coefficient value used to describe the reasonable degree of current fund use of the building project based on the current account balance of each building project in the target real estate project, the current building sold area and the current required funds includes: By formula: Calculate the balance coverage coefficient value of the account of the building project; The calculation of the engineering progress coefficient value used to describe the reasonableness of the current construction progress of the building project according to the current account balance, current required funds, key supervision fund amount and current image progress ratio of each building project in the target real estate project includes: By formula: Calculate the engineering progress coefficient value of the building project; The calculation of the remaining regulated funds coverage coefficient value used to describe the current construction and delivery risks of the building project based on the current unsold total price, current account balance, market realization rate, current required funds and sales rate of each building project in the target real estate project includes: By formula: Calculate the coverage coefficient value of the remaining funds to be supervised for the building project.

2. The real estate project risk prediction method according to claim 1, characterized in that: The method of obtaining the current building risk value of the building project based on the supervision fund risk coefficient value, the account balance coverage coefficient value, the project progress coefficient value and the remaining supervision fund coverage coefficient value of the building project includes: Analyze the regulatory fund risk coefficient value of the building project to obtain the current regulatory fund risk value of the building project; Analyze the account balance coverage coefficient value of the building project to obtain the current account balance coverage risk value of the building project; Analyze the engineering progress coefficient value of the building project to obtain the current engineering progress risk value of the building project; Analyze the remaining funds to be supervised coverage coefficient value of the building project to obtain the current remaining funds to be supervised coverage risk value of the building project; Calculate the average value of the current supervision fund risk value, the current account balance coverage risk value, the current project progress risk value and the current remaining supervision fund coverage risk value, and use the average value as the building risk coefficient value of the building project; If the building risk coefficient value is less than or equal to the building risk lower limit value, the current building risk value of the building project is the first assigned value; If the building risk coefficient value is greater than the building risk lower limit value and less than the building risk upper limit value, then the current building risk value of the building project is the second assigned value; If the building risk coefficient value is greater than the building risk upper limit value, the current building risk value of the building project is the third assigned value; The first assigned value is smaller than the second assigned value, and the second assigned value is smaller than the third assigned value.

3. The real estate project risk prediction method according to claim 2, characterized in that: The analyzing the regulatory fund risk coefficient value of the building project to obtain the current regulatory fund risk value of the building project includes: If the regulatory funds risk coefficient value is greater than or equal to the regulatory funds risk coefficient upper limit value, the current regulatory funds risk value is the first assigned value; If the regulatory funds risk coefficient value is less than the regulatory funds risk coefficient upper limit value and greater than the regulatory funds risk coefficient lower limit value, the current regulatory funds risk value is the second assigned value; If the regulatory funds risk coefficient value is less than or equal to the regulatory funds risk coefficient lower limit value, the current regulatory funds risk value is the third assigned value; The analyzing the account balance coverage coefficient value of the building project to obtain the current account balance coverage risk value of the building project includes: If the account's expected balance coverage coefficient value is greater than or equal to the account's expected balance coverage coefficient upper limit value, the current account's expected balance coverage risk value is the first assigned value; If the account balance coverage coefficient value is less than the account balance coverage coefficient upper limit value and greater than the account balance coverage coefficient lower limit value, the current account balance coverage risk value is the second assigned value; If the account's expected balance coverage coefficient value is less than or equal to the account's expected balance coverage coefficient lower limit value, the current account's expected balance coverage risk value is the third assigned value; The analyzing the engineering progress coefficient value of the building project to obtain the current engineering progress risk value of the building project includes: If the engineering progress coefficient value is negative or greater than or equal to the engineering progress coefficient upper limit value, the current engineering progress risk value is the first assigned value; If the engineering progress coefficient value is less than the engineering progress coefficient upper limit value and greater than the engineering progress coefficient lower limit value, the current engineering progress risk value is the second assigned value; If the engineering progress coefficient value is less than or equal to the engineering progress coefficient lower limit value, the current engineering progress risk value is the third assigned value; The analysis of the remaining funds to be supervised coverage coefficient value of the building project to obtain the current remaining funds to be supervised coverage risk value of the building project includes: If the remaining funds to be regulated coverage coefficient value is greater than or equal to the remaining funds to be regulated coverage coefficient upper limit value, the current remaining funds to be regulated coverage risk value is the first assigned value; If the remaining funds to be regulated coverage coefficient value is less than the remaining funds to be regulated coverage coefficient upper limit value and greater than the remaining funds to be regulated coverage coefficient lower limit value, then the current remaining funds to be regulated coverage risk value is the second assigned value; If the remaining funds to be regulated coverage coefficient value is less than or equal to the remaining funds to be regulated coverage coefficient lower limit value, then the current remaining funds to be regulated coverage risk value is the third assigned value.

4. The real estate project risk prediction method according to claim 3, characterized in that: The risk prediction of the target real estate project based on all current building risk values ​​to obtain the current risk level of the target real estate project includes: Calculate the average of the current building risk values ​​of all building projects; If the average value of the current building risk value is less than or equal to the lower limit of real estate risk, the current risk level of the target real estate project is the first risk level; If the average value of the current risk is greater than the lower limit of the real estate risk and less than the upper limit of the real estate risk, the current risk level of the target real estate project is the second risk level; If the average value of the current risk is greater than or equal to the upper limit of the real estate risk, the current risk level of the target real estate project is the third risk level; The first risk level is lower than the second risk level, and the second risk level is lower than the third risk level.

5. The real estate project risk prediction method according to claim 4, characterized in that: The real estate project risk prediction method also includes: If the current sales ratio of the building area of ​​the building project is 0%, the current regulatory fund risk value, account balance coverage risk value, project progress risk value, and remaining regulatory fund coverage risk value of the building project are all the first assigned value; If the building project currently has sold area and the amount received is 0, then the current supervision fund risk value, account balance coverage risk value, project progress risk value, and remaining supervision fund coverage risk value of the building project are all the third assigned value; If the current image progress ratio of the building project is 100%, then the current regulatory fund risk value of the building project is the first assigned value; If the current required funds for the building project are 0, the current account balance of the building project should cover the risk value and the remaining funds to be supervised should cover the risk value are both the first assigned value; If the current amount received for the building project is not 0 and the project is not completed, the current project progress risk value of the building project is the first assigned value; If the agreed delivery time has arrived and the current construction progress of the building project is less than or equal to the preset construction progress, then the current building risk value of the building project is the third assigned value.

6. A terminal device, comprising a memory, a processor, and a computer program stored in the memory and executable on the processor, characterized in that: When the processor executes the computer program, the real estate project risk prediction method as described in any one of claims 1 to 5 is implemented.

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