Average balance determination method for weighted harmonic average of banking industry

Abstract

The invention discloses a method for determining the average balance of a weighted harmonic average in the bank industry. The method comprises the following steps: S1, formulating a constraint condition of the harmonic average balance; s2, calculating daily balances of the harmonic average balance and the weighted average balance; and S3, calculating the accumulated weighted harmonic average balance. The problem that the average balance cannot be effectively calculated due to lack of consideration on marginal customers is solved. The problem that the average balance cannot be accurately calculated due to lack of prevention of the time-point balance is solved.

Description

Technical Field

[0001] The present invention relates to the field of banking systems, and in particular to a method for determining an average balance of a weighted harmonic mean of the banking industry. Background Art

[0002] In the banking industry, average balance is often used to calculate the contribution of customers in a given period. It is used to measure the level of customers and provide various preferential rates or benefits. The average balance indicator has become an important part of bank customer operations. However, the conventional average balance algorithm only calculates customers whose deposits are within the entire period. For marginal customers, either the customer contribution needs to be assessed in the next full period, or the assessment content is not accurate enough. For example, account managers often invite customers to deposit funds for one day at the end of the month, the end of the quarter, or the end of the year to complete the marketing indicators. Such indicator calculation can neither achieve the assessment purpose nor turn the average balance of the period into the balance at a point in time, which does not play its due role. Summary of the invention

[0003] In view of the above problems, the present invention is proposed to provide a method for determining the average balance of the weighted harmonic mean of the banking industry that overcomes the above problems or at least partially solves the above problems.

[0004] According to one aspect of the present invention, a method for determining an average balance of a weighted harmonic mean of a banking industry is provided, the method comprising:

[0005] Step S1: Formulate constraints for the harmonized mean balance;

[0006] Step S2: Calculate the daily balance of the harmonic average balance and the weighted average balance;

[0007] Step S3: Calculate the accumulated weighted harmonic average balance.

[0008] Optionally, the weighted harmonic mean balance is calculated as follows:

[0009]

[0010] Among them, H n is the weighted harmonic mean balance, n is the number of data, m is the weight, and x is the data variable.

[0011] Optionally, the step S1: formulating the constraint conditions of the harmonized mean balance specifically includes:

[0012] Establish the minimum deposit period calculation conditions for the harmonized average balance, and the weights and minimum deposit period conditions for the weighted harmonized average balance.

[0013] Optionally, the calculation formula for the harmonic mean balance is:

[0014]

[0015] Among them, H n is the weighted harmonic mean balance, n is the number of data, and x is the data variable itself.

[0016] The present invention provides a method for determining the average balance of the weighted harmonic average of the banking industry, the method comprising: step S1: formulating the constraint conditions of the harmonic average balance; step S2: calculating the daily balance of the harmonic average balance and the weighted average balance; step S3: calculating the accumulated weighted harmonic average balance. The method solves the problem that the average balance cannot be effectively calculated due to the lack of consideration for marginal customers. The method solves the problem that the average balance cannot be accurately calculated due to the lack of prevention for the point-in-time balance.

[0017] The above description is only an overview of the technical solution of the present invention. In order to more clearly understand the technical means of the present invention, it can be implemented according to the contents of the specification. In order to make the above and other purposes, features and advantages of the present invention more obvious and easy to understand, the specific implementation methods of the present invention are listed below. BRIEF DESCRIPTION OF THE DRAWINGS

[0018] In order to more clearly illustrate the technical solutions of the embodiments of the present invention, the accompanying drawings required for use in the description of the embodiments will be briefly introduced below. Obviously, the accompanying drawings described below are only some embodiments of the present invention. For ordinary technicians in this field, other accompanying drawings can be obtained based on these accompanying drawings without paying creative work.

[0019] Figure 1 A flowchart of a method for determining an average balance of a weighted harmonic mean of the banking industry provided in an embodiment of the present invention. DETAILED DESCRIPTION

[0020] The exemplary embodiments of the present disclosure will be described in more detail below with reference to the accompanying drawings. Although the exemplary embodiments of the present disclosure are shown in the accompanying drawings, it should be understood that the present disclosure can be implemented in various forms and should not be limited by the embodiments set forth herein. On the contrary, these embodiments are provided to enable a more thorough understanding of the present disclosure and to fully convey the scope of the present disclosure to those skilled in the art.

[0021] The terms "comprises" and "having" and any variations thereof in the description embodiments, claims and drawings of the present invention are intended to cover non-exclusive inclusions, for example, including a series of steps or units.

[0022] The technical solution of the present invention is further described in detail below in conjunction with the accompanying drawings and embodiments.

[0023] Conventional average balance calculation method, for example: a bank requires a monthly average balance of 500,000 to give platinum card benefits the next month. The average balance calculation method is to add up the daily balance and finally divide it by the number of days in the month.

[0024] The formula is:

[0025] Assuming there are 31 days in the month, and the daily balance is 10,000, 10,000*31 / 31=10,000, we can calculate the average balance to be 10,000, which can be used as the basis and indicator for evaluating customers. However, some customers who have deposited money for half a month, or customers who closed their accounts in the second half of the month are excluded from consideration, resulting in a bad customer experience.

[0026] Assume that the average balance is used for customers for half a month, there are 15 days left in the month, the customer deposits 100 yuan in the first 14 days, and 100,000 yuan on the last day of the month.

[0027] The average balance calculation is (100*14+200000) / 15=13520, which also achieves the effect of an average balance of more than 10,000. However, the actual impact on the business is negative, which will cause fluctuations in assets and liabilities. Such customers are likely to transfer out after the beginning of the month, which is not the result the operation hopes for.

[0028] In order to achieve the effect of improving customer experience while avoiding negative impact, the present invention introduces the concept of harmonic mean and calculates the average balance, which is referred to as the harmonic mean balance calculation method.

[0029] Replace the average balance in the above example with the harmonic average balance calculation method and substitute it into the formula

[0030]

[0031] The harmonized average balance is far below the indicator of 10,000 yuan, avoiding the inaccuracy of the average balance calculation.

[0032] When the daily balance is 10,000, you can see that the actual calculation results can also accurately reflect the customer's actual contribution.

[0033]

[0034] At the same time, when evaluating customer contribution, in order to fine-tune management, a weighted harmonized average balance is set for deposits, government bonds, wealth management, gold, etc. with different contributions. Due to the characteristics of the average balance, it is necessary to calculate the harmonized average balance of the weighted harmonized average balance, which is referred to as the weighted harmonized average balance.

[0035] Weighted harmonic average balance formula:

[0036]

[0037] Because every day is a weighted reconciliation balance calculation, it is necessary to and Formula fusion, x i Replace with For ease of representation, replace n with k and i with j in a formula, and the formula is converted to

[0038]

[0039] Example 1: The deposit amount on the first day is 10,000 yuan, of which 2,000 yuan is deposit, with a weight of 0.5, 3,000 yuan is treasury bonds, with a weight of 0.3, and 5,000 yuan is wealth management, with a weight of 0.2

[0040] The weighted harmonic average balance on the first day is:

[0041]

[0042] The next day, the deposit decreases by 1,000 yuan and the average balance is

[0043]

[0044] The balance will remain unchanged thereafter

[0045] The reconciled average balance after 15 days of deposit is:

[0046] In summary, the harmonized average balance is used to calculate the average balance of a period that is less than the entire period, that is, the incomplete average balance calculation, and the weighted harmonized average balance is used to calculate the average balance of an incomplete period with balances of different weights.

[0047] like Figure 1 As shown, the specific method steps include:

[0048] Step S1: Formulate the minimum deposit period calculation condition of the harmonized average balance, and add the weight of the weighted harmonized average balance and the minimum deposit period condition;

[0049] Step S2: Calculate the daily balance of the harmonic average balance and the weighted average balance;

[0050] Step S3: Calculate the accumulated weighted harmonic average balance.

[0051] Beneficial effects: Solve the problem of lack of consideration for marginal customers and inability to effectively calculate the average balance; solve the problem of lack of protection for point-in-time balances and inability to accurately calculate the average balance.

[0052] The present invention provides a method for calculating the harmonic mean balance, which uses the concept of harmonic mean in mathematics to provide a calculation method for marginal customers, accurately reflects the contribution of the average balance, improves customer satisfaction, and shields the problem of raising indicators by pulling funds at the end of a cycle.

[0053] The above specific implementation methods further illustrate the objectives, technical solutions and beneficial effects of the present invention in detail. It should be understood that the above are only specific implementation methods of the present invention and are not intended to limit the scope of protection of the present invention. Any modifications, equivalent substitutions, improvements, etc. made within the spirit and principles of the present invention should be included in the scope of protection of the present invention.

Claims

1. A method for determining the average balance of a weighted harmonic mean of the banking industry, characterized in that: The determination method comprises: Step S1: Formulate constraints for the harmonized mean balance; Step S2: Calculate the daily balance of the harmonic average balance and the weighted average balance; Step S3: Calculate the accumulated weighted harmonic average balance.

2. A method for determining the average balance of a weighted harmonic mean of the banking industry according to claim 1, characterized in that: The calculation formula of the weighted harmonic average balance is: Among them, H n is the weighted harmonic mean balance, n is the number of data, m is the weight, and x is the data variable.

3. A method for determining the average balance of a weighted harmonic mean of the banking industry according to claim 1, characterized in that: The step S1: formulating the constraints of the harmonized mean balance specifically includes: Establish the minimum deposit period calculation conditions for the harmonized average balance, and the weights and minimum deposit period conditions for the weighted harmonized average balance.

4. A method for determining the average balance of a weighted harmonic mean of the banking industry according to claim 1, characterized in that: The calculation formula for the harmonic mean balance is: Among them, H n is the weighted harmonic mean balance, n is the number of data, and x is the data variable itself.

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