Financial data processing method and device, electronic equipment and storage medium

Abstract

The invention provides a financial data processing method and device, electronic equipment and a storage medium, belongs to the technical field of data processing, and is suitable for the field of financial science and technology. The method comprises the following steps: acquiring a financial virtual resource demand total value and an original interest rate under fixed period supply; obtaining financial virtual resource data of the financial virtual resource demand total value in multiple months in a fixed period, and determining a target virtual resource total value based on the multiple pieces of financial virtual resource data; in each cycle process, performing halving processing based on the current search interval to obtain an intermediate interest rate in the corresponding search interval, and generating a corresponding estimated virtual resource total value according to the intermediate interest rate in the current search interval and the financial virtual resource demand total value; and when a difference value between the estimated virtual resource total value and the target virtual resource total value meets a cycle stop condition, obtaining a target interest rate under fixed period supply based on the intermediate interest rate in the last search interval. The accuracy of actual interest rate calculation can be improved.

Description

Technical Field

[0001] The present application relates to the field of data processing technology, is applicable to the field of financial technology, and in particular, to a method and device for processing financial data, an electronic device, and a storage medium. Background Art

[0002] In recent years, with the development of economy and society, people's demand for financial virtual resources has been increasing. Based on this, financial institutions have launched a variety of financial virtual resource loan activities. After people borrow a certain amount of financial virtual resources, they need to repay them according to the repayment method stipulated in the fixed period.

[0003] In the related art, the repayment methods for the fixed period of financial virtual resources are becoming more and more diverse. For example, you can choose to repay the fixed amount in the first few fixed period months, and then make a large repayment in the last few months. However, this increases the difficulty of the financial system to calculate the relevant financial data, especially the difficulty of calculating the actual interest rate data. However, the financial system has poor ability to process complex financial data and dynamic data changes, especially after the interest subsidy processing of financial virtual resources, which further increases the complexity of the actual interest rate data calculation, resulting in a decrease in the accuracy of the actual interest rate calculation. Summary of the invention

[0004] The main purpose of the embodiments of the present application is to propose a method and device for processing financial data, an electronic device and a storage medium, which can improve the accuracy of actual interest rate calculation.

[0005] To achieve the above-mentioned purpose, the first aspect of an embodiment of the present application proposes a method for processing financial data, including: obtaining the total value of financial virtual resource demand under a fixed period and the original interest rate of the total value of financial virtual resource demand under the fixed period; obtaining the financial virtual resource data of multiple months of the total value of financial virtual resource demand under the fixed period, and determining the target total value of virtual resources based on the multiple financial virtual resource data; in each cycle, performing a binary halving process based on the current search interval to obtain the intermediate interest rate in the corresponding search interval, and generating a corresponding estimated total value of virtual resources based on the intermediate interest rate in the current search interval and the total value of financial virtual resource demand; wherein, the first search interval is determined based on the original interest rate, and the current search interval is determined based on the intermediate interest rate in the previous search interval; when the difference between the estimated total value of virtual resources and the target total value of virtual resources meets the loop stop condition, the target interest rate under the fixed period is obtained based on the intermediate interest rate in the last search interval.

[0006] In some embodiments, during each cycle, the financial data processing method also includes: when the estimated total value of virtual resources is less than the target total value of virtual resources, the middle interest rate in the current search interval is used as the minimum interest rate in the next search interval, and the next search interval is updated; when the estimated total value of virtual resources is greater than the target total value of virtual resources, the middle interest rate in the current search interval is used as the maximum interest rate in the next search interval, and the next search interval is updated.

[0007] In some embodiments, the financial data processing method further includes: obtaining a preset initial interest rate; using the initial interest rate as the minimum interest rate and the original interest rate as the maximum interest rate to generate a first search interval.

[0008] In some embodiments, obtaining the financial virtual resource data of multiple months in the fixed period for the total demand value of the financial virtual resource and determining the target total value of the virtual resources based on the multiple financial virtual resource data include: obtaining the interest subsidy corresponding to the total demand value of the financial virtual resource; generating the financial virtual resource data of multiple months in the fixed period based on the total demand value of the financial virtual resource and the interest subsidy; and accumulating the multiple financial virtual resource data to obtain the target total value of the virtual resources.

[0009] In some embodiments, the corresponding estimated total value of virtual resources is generated based on the intermediate interest rate and the total value of financial virtual resource demand in the current search interval, including: inputting the intermediate interest rate and the total value of financial virtual resource demand in the current search interval into a preset fixed-period repayment model to obtain estimated virtual resource data for multiple months under the fixed period; and accumulating multiple estimated virtual resource data to obtain an estimated total value of virtual resources.

[0010] In some embodiments, the intermediate interest rate and the total value of financial virtual resource demand in the current search interval are input into a preset fixed-period repayment model to obtain estimated virtual resource data for multiple months under the fixed period, including: obtaining a fixed-period repayment model of a type corresponding to the financial virtual resource data; inputting the intermediate interest rate and the total value of financial virtual resource demand in the current search interval into the fixed-period repayment model to obtain estimated virtual resource data for multiple months under the fixed period; wherein the estimated virtual resource data includes multiple first estimated virtual resource data and second estimated virtual resource data, the multiple first estimated virtual resource data are equal in size, and the second estimated virtual resource data is larger than the first estimated virtual resource data.

[0011] In some embodiments, when the difference between the estimated total value of virtual resources and the target total value of virtual resources meets the loop stop condition, the intermediate interest rate in the last search interval is used as the target interest rate under the fixed period, including: when the difference between the estimated total value of virtual resources and the target total value of virtual resources is less than a preset error threshold, confirming that the loop stop condition is met; and using the intermediate interest rate in the last search interval as the target interest rate under the fixed period.

[0012] To achieve the above-mentioned purpose, the second aspect of the embodiment of the present application proposes a financial data processing device, including: a data acquisition module, used to obtain the total value of financial virtual resource demand under a fixed period and the original interest rate of the total value of financial virtual resource demand under the fixed period; a virtual resource determination module, used to obtain the financial virtual resource data of multiple months of the total value of financial virtual resource demand under the fixed period, and determine the target total value of virtual resources based on the multiple financial virtual resource data; a loop search module, used to perform a binary halving process based on the current search interval during each loop process to obtain the intermediate interest rate in the corresponding search interval, and generate a corresponding estimated total value of virtual resources based on the intermediate interest rate in the current search interval and the total value of financial virtual resource demand; wherein the first search interval is determined based on the original interest rate, and the current search interval is determined based on the intermediate interest rate in the previous search interval; an interest rate generation module, used to obtain the target interest rate under the fixed period based on the intermediate interest rate in the last search interval when the difference between the estimated total value of virtual resources and the target total value of virtual resources meets the loop stop condition.

[0013] To achieve the above-mentioned purpose, the third aspect of an embodiment of the present application proposes an electronic device, which includes a memory and a processor, the memory stores a computer program, and the processor implements the financial data processing method described in the first aspect when executing the computer program.

[0014] To achieve the above objectives, the fourth aspect of an embodiment of the present application proposes a computer-readable storage medium, which stores a computer program. When the computer program is executed by a processor, it implements the financial data processing method described in the first aspect above.

[0015] The financial data processing method and device, electronic device and storage medium proposed in the present application obtain the total value of financial virtual resource demand under a fixed period and the original interest rate of the total value of financial virtual resource demand under a fixed period, obtain the financial virtual resource data of the total value of financial virtual resource demand under a fixed period for multiple months, and determine the target total value of virtual resources based on multiple financial virtual resource data. The target total value of virtual resources obtained is the actual total repayment value, which can be used as the numerical level that is expected to be reached or approached in the subsequent process. Subsequently, in each cycle, a binary halving process is performed based on the current search interval to obtain the intermediate interest rate in the corresponding search interval, and the total value to be repaid at the intermediate interest rate is estimated based on the intermediate interest rate in the current search interval and the total value of financial virtual resource demand, thereby obtaining the estimated total value of virtual resources, wherein the first search interval is determined based on the original interest rate, and the current search interval is determined based on the intermediate interest rate in the previous search interval, so that the search range can be gradually narrowed in the cycle. When the difference between the estimated total value of virtual resources and the target total value of virtual resources meets the loop stop condition, it means that the latest determined intermediate interest rate is close to the actual interest rate, so that the estimated total value of virtual resources can reach or approach the target total value of virtual resources, and finally the target interest rate under the fixed period supply is obtained based on the intermediate interest rate in the last search interval. The obtained target interest rate is the real interest rate under the fixed period supply. Therefore, the embodiment of the present application can continuously search the intermediate interest rate in the loop process to approach the actual interest rate, thereby improving the accuracy of the actual interest rate calculation. BRIEF DESCRIPTION OF THE DRAWINGS

[0016] Figure 1 is a flowchart of a method for processing financial data provided by an embodiment of the present application;

[0017] Figure 2 is another flow chart of the method for processing financial data provided by an embodiment of the present application;

[0018] Figure 3 is another flow chart of the method for processing financial data provided by an embodiment of the present application;

[0019] Figure 4 yes Figure 1 Flow chart of step S102 in FIG.

[0020] Figure 5 yes Figure 1 Flow chart of step S103 in FIG.

[0021] Figure 6 yes Figure 5 Flow chart of step S501 in FIG.

[0022] Figure 7 yes Figure 1Flow chart of step S104 in FIG.

[0023] Figure 8 is a schematic diagram of the structure of a financial data processing device provided in an embodiment of the present application;

[0024] Fig. 9 It is a schematic diagram of the hardware structure of the electronic device provided in the embodiment of the present application. DETAILED DESCRIPTION

[0025] In order to make the purpose, technical solution and advantages of the present application more clearly understood, the present application is further described in detail below in conjunction with the accompanying drawings and embodiments. It should be understood that the specific embodiments described herein are only used to explain the present application and are not used to limit the present application.

[0026] It should be noted that, although the functional modules are divided in the device schematic diagram and the logical order is shown in the flowchart, in some cases, the steps shown or described may be performed in a different order than the module division in the device or the order in the flowchart. The terms "first", "second", etc. in the specification, claims and the above drawings are used to distinguish similar objects, and are not necessarily used to describe a specific order or sequence.

[0027] Unless otherwise defined, all technical and scientific terms used herein have the same meaning as those commonly understood by those skilled in the art to which this application belongs. The terms used herein are only for the purpose of describing the embodiments of this application and are not intended to limit this application.

[0028] First, some nouns involved in this application are analyzed:

[0029] Artificial intelligence (AI) is a new technical science that studies and develops theories, methods, technologies and application systems for simulating, extending and expanding human intelligence. AI is a branch of computer science that attempts to understand the essence of intelligence and produce a new intelligent machine that can respond in a similar way to human intelligence. Research in this field includes robots, language recognition, image recognition, natural language processing and expert systems. AI can simulate the information process of human consciousness and thinking. AI is also a theory, method, technology and application system that uses digital computers or machines controlled by digital computers to simulate, extend and expand human intelligence, perceive the environment, acquire knowledge and use knowledge to obtain the best results.

[0030] In recent years, with the development of economy and society, people's demand for financial virtual resources has been increasing. Based on this, financial institutions have launched a variety of financial virtual resource loan activities. After people borrow a certain amount of financial virtual resources, they need to repay according to the repayment method stipulated in the fixed period. Therefore, it is particularly important to calculate the actual interest rate of people in financial business.

[0031] In the related art, the repayment methods for fixed-term payments of financial virtual resources are becoming more and more diverse. For example, you can choose to repay a fixed amount in the first few fixed-term months, and then make a large repayment in the last few months. For example, if a certain financial virtual resource has a fixed-term payment of N months, the monthly repayment amount is fixed in the first N-1 months, and a large repayment is made in the Nth month. However, this increases the difficulty of the financial system in calculating related financial data, especially the difficulty of calculating the actual interest rate data. However, the financial system has poor ability to handle complex financial data and dynamic data changes, especially after the interest subsidy processing of financial virtual resources, which further increases the complexity of the actual interest rate data calculation, resulting in a decrease in the accuracy of the actual interest rate calculation.

[0032] Based on this, the embodiments of the present application provide a method and device for processing financial data, an electronic device and a storage medium, aiming to improve the accuracy of actual interest rate calculation.

[0033] The financial data processing method and device, electronic device and storage medium provided in the embodiments of the present application are specifically described through the following embodiments. First, the financial data processing method in the embodiments of the present application is described.

[0034] The embodiments of the present application can acquire and process relevant data based on artificial intelligence technology. Artificial Intelligence (AI) is the theory, method, technology and application system that uses digital computers or machines controlled by digital computers to simulate, extend and expand human intelligence, perceive the environment, acquire knowledge and use knowledge to obtain the best results.

[0035] AI basic technologies generally include sensors, dedicated AI chips, cloud computing, distributed storage, big data processing technology, operation / interaction systems, mechatronics, etc. AI software technologies mainly include computer vision technology, robotics technology, biometrics technology, speech processing technology, natural language processing technology, and machine learning / deep learning.

[0036] The method for processing financial data provided in the embodiment of the present application relates to the field of artificial intelligence technology. The method for processing financial data provided in the embodiment of the present application can be applied to a financial system or terminal, can also be applied to a server side, and can also be software running in a terminal or server side. In some embodiments, the financial system or terminal can be a smart phone, a tablet computer, a laptop computer, a desktop computer, etc.; the server side can be configured as an independent physical server, or a server cluster or distributed system composed of multiple physical servers, and can also be configured as a cloud server that provides basic cloud computing services such as cloud services, cloud databases, cloud computing, cloud functions, cloud storage, network services, cloud communications, middleware services, domain name services, security services, CDN, and big data and artificial intelligence platforms; the software can be an application that implements the method for processing financial data, etc., but is not limited to the above forms.

[0037] The present application can be used in many general or special computer system environments or configurations. For example: personal computers, server computers, handheld or portable devices, tablet devices, multiprocessor systems, microprocessor-based systems, set-top boxes, programmable consumer electronics, network PCs, minicomputers, mainframe computers, distributed computing environments including any of the above systems or devices, etc. The present application can be described in the general context of computer-executable instructions executed by a computer, such as program modules. Generally, program modules include routines, programs, objects, components, data structures, etc. that perform specific tasks or implement specific abstract data types. The present application can also be practiced in distributed computing environments, in which tasks are performed by remote processing devices connected through a communication network. In a distributed computing environment, program modules can be located in local and remote computer storage media including storage devices.

[0038] It should be noted that in each specific implementation of the present application, when it comes to the need to perform relevant processing based on data related to user identity or characteristics such as user information, user behavior data, user historical data, and user location information, the user's permission or consent will be obtained first. For example, when obtaining the total value of financial virtual resource demand, the number of months for fixed period supply, the original interest rate, etc., it is necessary to obtain the user's permission or consent first. Moreover, the collection, use and processing of these data will comply with relevant laws, regulations and standards. In addition, when the embodiment of the present application needs to obtain the user's sensitive personal information, the user's separate permission or separate consent will be obtained by means of a pop-up window or jumping to a confirmation page. After clearly obtaining the user's separate permission or separate consent, the necessary user-related data for enabling the normal operation of the embodiment of the present application will be obtained.

[0039] Figure 1is an optional flowchart of the method for processing financial data provided in an embodiment of the present application. The method for processing financial data can be applied in a financial system, and specifically can be applied in a server in the financial system. Figure 1 The method may include but is not limited to steps S101 to S104.

[0040] Step S101, obtaining the total value of financial virtual resource demand under a fixed period supply and the original interest rate of the total value of financial virtual resource demand under a fixed period supply;

[0041] Step S102, obtaining financial virtual resource data of a plurality of months of the total value of financial virtual resource demand in a fixed period, and determining a target total value of virtual resources based on the plurality of financial virtual resource data;

[0042] Step S103, in each cycle, a binary split is performed based on the current search interval to obtain the middle interest rate in the corresponding search interval, and a corresponding estimated total virtual resource value is generated according to the middle interest rate in the current search interval and the total value of financial virtual resource demand;

[0043] The first search interval is determined based on the original interest rate, and the current search interval is determined based on the middle interest rate in the previous search interval;

[0044] Step S104, when the difference between the estimated total value of virtual resources and the target total value of virtual resources meets the loop stop condition, the target interest rate under the fixed period supply is obtained based on the middle interest rate in the last search interval.

[0045] In the above step S101, the total value of financial virtual resource demand is the total amount of financial virtual resources that the user needs to borrow from the financial system or a certain financial institution or unit. Taking a financial institution as an example, when the user borrows a loan from a financial institution with an amount equal to the total value of financial virtual resource demand, the user needs to repay the loan in the manner provided by the financial institution. For example, it is set that the total value of financial virtual resource demand needs to be repaid in a fixed period payment manner. The fixed period payment is the number of months required to repay, such as 12 months, 24 months or 36 months. It can be set according to actual needs. Taking a fixed period payment of 12 months as an example, the user needs to repay the specified amount of financial virtual resources to the financial institution every month within 12 consecutive or intermittent months.

[0046] The original interest rate is the interest that the user needs to repay to the financial institution at the interest rate ratio specified by the original interest rate after borrowing a sum of financial virtual resources equal to the total value of the financial virtual resource demand. For example, the original interest rate can be an annual interest rate or a monthly interest rate, which is not specifically limited in the embodiments of the present disclosure. The embodiments of the present application are described below using the original interest rate as an example of an annual interest rate.

[0047] Exemplarily, there are multiple ways to obtain the total value of financial virtual resource demand under a fixed period and the original interest rate of the total value of financial virtual resource demand under a fixed period. For example, a user can initiate a loan demand for financial virtual resources to a financial system and fill in the relevant amount as the total value of financial virtual resource demand, and the financial system then obtains the original interest rate under the relevant amount from online channels or databases; or, the financial system can also obtain detailed information on each loan from historical data, including the total value of financial virtual resource demand and the original interest rate; or, the financial system can provide API interfaces, through which the total value of financial virtual resource demand and the original interest rate under a fixed period can be obtained.

[0048] In the above step S102, the financial virtual resource data is the amount that the user needs to repay in a fixed period. The financial virtual resource data in the embodiment of the present application is the amount that needs to be repaid each month. For example, taking a fixed period of 12 months as an example, the user needs to repay the financial virtual resource of the specified amount of financial virtual resource data to the financial institution every month within 12 consecutive or intermittent months. It should be noted that the financial virtual resource data in different months can be the same or different. For example, if the fixed period is N months, the financial virtual resource data that needs to be repaid in the first N-1 months is the same, and the amount is relatively small, and the financial virtual resource data that needs to be repaid in the Nth month is larger.

[0049] Exemplarily, there are multiple ways to obtain the financial virtual resource data of the total value of financial virtual resource demand for multiple months under a fixed period. For example, it can be directly obtained from the data stored in the financial system, that is, the financial virtual resource data can be input into the financial system by the user; or the financial virtual resource data can also be calculated by the financial system based on the number of months of the fixed period, the total value of financial virtual resource demand and the original interest rate.

[0050] The total value of target virtual resources is the total value of financial virtual resources that users repay to the financial system in the actual process, and is determined based on the financial virtual resource data of multiple months under a fixed period. It should be noted that since the total value of financial virtual resource demand under a fixed period carries a certain amount of original interest, and financial institutions have preferential interest subsidies for this financial virtual resource, the total value of target virtual resources is greater than the total value of financial virtual resource demand, and the excess is the result of adding interest and deducting interest subsidies. It can be understood that the total value of target virtual resources obtained is the total repayment value required in practice, which can be used as the numerical level that is hoped to be reached or approached in the subsequent process of searching for the actual interest rate and estimating the process.

[0051] Exemplarily, multiple financial virtual resource data may be accumulated to obtain the required total target virtual resource value. On the premise of meeting the requirements of the embodiment of the present application, there may be other calculation methods to obtain the required total target virtual resource value, which may be set according to actual needs, and the embodiment of the present application does not make specific restrictions on this.

[0052] In the above step S103, the real interest rate can be searched cyclically based on the original interest rate. In the cyclic search process, a search interval is set in each cycle. Each search interval is determined by limiting the maximum interest rate and the minimum interest rate to take values ​​within the interval and explore whether it is close to the real interest rate based on the obtained results. It should be noted that after the financial virtual resources are subsidized, the complexity of the actual interest rate calculation is further increased, and due to the existence of the interest subsidy, the actual interest rate will be smaller than the original interest rate, so the first search interval can be determined based on the original interest rate, that is, the original interest rate can limit the scope of the first search interval. For example, the original interest rate can be used as the maximum interest rate of the first search interval, or the original interest rate can be multiplied by a certain coefficient as the maximum interest rate of the first search interval.

[0053] During each loop, the embodiment of the present application can perform a binary halving process based on the search interval in the current loop. The binary halving process is also called a binary search or a binary search, and the actual interest rate is the element to be found. In the process of performing a binary halving process on the search interval, the search interval can be divided into two halves, and the half of the interval where the actual interest rate to be found may be determined, and the search can be continued in the interval, thereby gradually narrowing the search range until the element to be found is found. Since the search interval is limited based on the maximum interest rate and the minimum interest rate at both ends of the interval, after the binary halving process, the middle interest rate in the corresponding search interval can be obtained. The middle interest rate is located between the maximum interest rate and the minimum interest rate, and can be obtained after averaging based on the maximum interest rate and the minimum interest rate.

[0054] In addition, in each cycle, the embodiment of the present application is provided with a relevant cycle stop condition, and the relevant data in the current cycle is judged to determine whether the cycle stop condition is met. If not, the next cycle is entered, and if it is met, the cycle is stopped. Further, in each cycle of the embodiment of the present application, the current search interval is determined based on the middle interest rate in the previous search interval. When entering the next cycle, the search interval needs to be updated in the next cycle, and the search interval of the next cycle is smaller than the search interval of the previous cycle, so as to gradually narrow the search range until the real interest rate is found.

[0055] Moreover, during each cycle, it is necessary to estimate the total value of financial virtual resources to be repaid at the intermediate interest rate in the current search interval and the total value of financial virtual resource demand, so as to obtain the estimated total value of virtual resources. The generated estimated total value of virtual resources will be used as the relevant data in the current cycle, and the estimated total value of virtual resources will be compared to determine whether the current cycle meets the cycle stop condition.

[0056] In the above step S104, after obtaining the estimated total value of virtual resources, it is necessary to compare the estimated total value of virtual resources with the target total value of virtual resources. Among them, since the target total value of virtual resources is calculated based on the actual financial virtual resource data of multiple fixed-term payment months, it represents the total value of financial virtual resources to be repaid under the actual interest rate, and the estimated total value of virtual resources is the total repayment value estimated based on the currently searched intermediate interest rate and the total value of financial virtual resource demand, so by comparing these two values, it can be determined whether the current intermediate interest rate is accurate.

[0057] Furthermore, when the difference between the estimated total value of virtual resources and the target total value of virtual resources does not meet the loop stop condition, it means that the estimated total value of virtual resources and the target total value of virtual resources differ greatly, and the current intermediate interest rate differs greatly from the actual interest rate, and it is necessary to continue searching. On the contrary, when the difference between the estimated total value of virtual resources and the target total value of virtual resources meets the loop stop condition, it means that the difference between the two is small, and the current intermediate interest rate is close to the actual interest rate and can be used as the target interest rate.

[0058] In the embodiment of the present application, when the difference between the estimated total value of virtual resources and the target total value of virtual resources meets the loop stop condition, it means that the current intermediate interest rate is close enough to the actual interest rate, so that the estimated total repayment value is almost the same as the actual total repayment value. In this case, it can be considered that the intermediate interest rate in the last search interval is the target interest rate under the fixed period, that is, the actual interest rate. Since the target interest rate is obtained after multiple cycles and approximations, it has high accuracy and can reflect the actual repayment interest rate level.

[0059] It should be noted that in the embodiment of the present application, the search interval is gradually narrowed by using a two-half processing method in the loop process to approach the actual interest rate. Specifically, the embodiment of the present application calculates the intermediate interest rate based on the current search interval, and estimates the total repayment value based on this intermediate interest rate, and then compares this estimated value with the actual total repayment value, that is, the total value of the target virtual resource. According to the comparison result, a smaller search interval containing the actual interest rate is selected, and this process is repeated until the difference between the estimated value and the actual value meets a certain loop stop condition, thereby obtaining a target interest rate that approaches the actual interest rate. Compared with the related art, by searching and approximating the real interest rate and comparing it with the actual total repayment value, the problem of difficulty in calculating the actual interest rate under different repayment methods can be solved, especially after the financial virtual resources are subjected to interest subsidy processing, because the actual total repayment value is still compared, it will not be affected by the repayment method and the interest subsidy, but directly explores the rationality of the interest rate from the interest rate itself, further reducing the complexity of the actual interest rate calculation, so as to improve the accuracy of the actual interest rate calculation.

[0060] In summary, through the above steps S101 to S104, the embodiment of the present application obtains the total value of financial virtual resource demand under a fixed period and the original interest rate of the total value of financial virtual resource demand under a fixed period, obtains the financial virtual resource data of the total value of financial virtual resource demand under a fixed period for multiple months, and determines the target total value of virtual resources based on multiple financial virtual resource data. The target total value of virtual resources obtained is the actual total repayment value, which can be used as the numerical level that is expected to be reached or approached in the subsequent process. Subsequently, in each cycle, a binary halving process is performed based on the current search interval to obtain the intermediate interest rate in the corresponding search interval, and the total value to be repaid at the intermediate interest rate is estimated based on the intermediate interest rate in the current search interval and the total value of financial virtual resource demand, thereby obtaining the estimated total value of virtual resources, wherein the first search interval is determined based on the original interest rate, and the current search interval is determined based on the intermediate interest rate in the previous search interval, so that the search range can be gradually narrowed in the cycle. When the difference between the estimated total value of virtual resources and the target total value of virtual resources meets the loop stop condition, it means that the latest determined intermediate interest rate is close to the actual interest rate, so that the estimated total value of virtual resources can reach or approach the target total value of virtual resources, and finally the target interest rate under the fixed period supply is obtained based on the intermediate interest rate in the last search interval. The obtained target interest rate is the real interest rate under the fixed period supply. Therefore, the embodiment of the present application can continuously search the intermediate interest rate in the loop process to approach the actual interest rate, thereby improving the accuracy of the actual interest rate calculation.

[0061] It should be noted that the financial system in the embodiment of the present application can be provided with an input module, a display module and a processing module. The input module can obtain user input, such as the total value of financial virtual resource demand, the number of months of a fixed period, the original interest rate and other data, and transmit the obtained input data to the processing module for processing. By executing each processing flow step in the financial data processing method, a target interest rate can be generated, and finally the target interest rate is fed back to the display module for display.

[0062] See also Figure 2 In some embodiments, during each cycle, the method for processing financial data may also include but is not limited to steps S201 to S202:

[0063] Step S201, when the estimated total value of virtual resources is less than the target total value of virtual resources, the middle interest rate in the current search interval is used as the minimum interest rate in the next search interval, and the next search interval is updated;

[0064] Step S202: When the estimated total value of virtual resources is greater than the target total value of virtual resources, the middle interest rate in the current search interval is used as the maximum interest rate in the next search interval to update the next search interval.

[0065] In the above steps, when the estimated total virtual resource value is less than the target total virtual resource value, step S201 is executed, which means that within the current search interval, the total repayment amount calculated based on the intermediate interest rate, i.e., the estimated total virtual resource value, is not enough to reach the actual total repayment amount that is expected to be reached, that is, it is smaller than the target total virtual resource value of the actual repayment. Therefore, it indicates that the intermediate interest rate inferred from the current search is less than the actual interest rate, so the actual interest rate should be between the current intermediate interest rate and the maximum interest rate within the current search interval. Therefore, it is necessary to increase the interest rate to increase the estimated total repayment amount to get closer to the target value. By increasing the lower limit of the search interval, it can be ensured that all interest rate values ​​in the next search interval will generate a higher total repayment amount than the current estimated total virtual resource value, thereby gradually approaching the target total virtual resource value.

[0066] Furthermore, when the estimated total value of virtual resources is less than the target total value of virtual resources, the middle interest rate in the current search interval is used as the minimum interest rate in the next search interval, and the maximum interest rate in the original current search interval remains unchanged, and the next search interval is updated.

[0067] When the estimated total virtual resource value is greater than the target total virtual resource value, step S202 is executed. This means that within the current search interval, the total repayment amount calculated based on the intermediate interest rate has exceeded the total repayment amount actually expected to be achieved. Therefore, the intermediate interest rate inferred by the current search is greater than the actual interest rate, so the actual interest rate should be between the current intermediate interest rate and the minimum interest rate within the current search interval. The interest rate needs to be lowered to reduce the estimated total repayment amount to get closer to the target value. By lowering the upper limit of the search interval, it can be ensured that all interest rate values ​​within the next search interval will generate a lower total repayment amount than the current estimated total virtual resource value, thereby gradually approaching the target total virtual resource value.

[0068] Furthermore, when the estimated total value of virtual resources is greater than the target total value of virtual resources, the middle interest rate in the current search interval is used as the maximum interest rate in the next search interval, and the original minimum interest rate in the current search interval remains unchanged, and the next search interval is updated.

[0069] See also Figure 3 In some embodiments, the method for processing financial data may also include but is not limited to steps S301 to S302:

[0070] Step S301, obtaining a preset initial interest rate;

[0071] Step S302, using the initial interest rate as the minimum interest rate and the original interest rate as the maximum interest rate to generate a first search interval.

[0072] In the above steps, the first search interval also needs to set a minimum interest rate. In the embodiment of the present application, the first search interval is generated by obtaining a preset initial interest rate, taking the initial interest rate as the minimum interest rate, and taking the original interest rate as the maximum interest rate. The size of the initial interest rate can be various. For example, since the interest subsidy is generally less than the interest, the actual interest rate must be between 0 and the original interest rate. Based on this, the initial interest rate can be set to 0; or, the interest subsidy is generally not too large to avoid the interest after the interest subsidy being too small and affecting the profit of the financial institution. Therefore, the initial interest rate and the size of the interest subsidy can be formulated based on the expected profit level in practice. For example, if the original interest rate is 4.524%, according to the historical profit level, the initial interest rate can be set to 1%. Since 1% is greater than 0, the number of cycles can be reduced in the subsequent iterative cycle process, and the speed and efficiency of determining the target interest rate can be improved.

[0073] Exemplarily, there are multiple ways to obtain the preset initial interest rate. For example, before the cycle starts, the user's input can be obtained and a default value can be used as the initial interest rate; or, historical financial data can be obtained, pre-processed, and the real interest rates of each financial virtual resource loan in history can be determined, and the initial interest rate can be determined based on the smallest real interest rate.

[0074] See also Figure 4 In some embodiments, step S102 may include but is not limited to steps S401 to S403:

[0075] Step S401, obtaining the interest subsidy corresponding to the total value of financial virtual resource demand;

[0076] Step S402, generating financial virtual resource data for a fixed period for a plurality of months based on the total value of financial virtual resource demand and the interest subsidy;

[0077] Step S403: accumulate multiple financial virtual resource data to obtain the total value of the target virtual resource.

[0078] In the above steps, a method for determining the total value of the target virtual resources is provided. The embodiment of the present application needs to obtain the interest subsidy corresponding to the total value of the financial virtual resource demand. The interest subsidy is an interest reduction discount provided by a financial institution, which may appear in the form of a fixed amount, a fixed ratio, or a dynamic change according to the loan conditions. The specific amount of the interest subsidy is used as an example in the embodiment of the present application, which does not represent a limitation of the embodiment of the present application.

[0079] After determining the interest subsidy, the embodiment of the present application will generate the financial virtual resource data that needs to be repaid each month under a fixed period, that is, the user needs to repay the principal and interest within a fixed time and in an agreed manner, based on the total value of the financial virtual resource demand and the interest subsidy. These data may include the monthly principal repayment amount, interest repayment amount, etc., as well as possible other fees.

[0080] Finally, the embodiment of the present application will accumulate the generated financial virtual resource data for each month to obtain the total amount that the user needs to repay during the entire fixed period, that is, the target total virtual resource value. The target total virtual resource value obtained is the total amount of financial virtual resources that the user actually needs to pay after considering the interest subsidy, and it is also the numerical level that is expected to be reached or approached when calculating the actual interest rate later. Therefore, the embodiment of the present application can more accurately determine the total amount of financial virtual resources that the user actually needs to repay after enjoying the interest subsidy, providing a basis for the subsequent calculation of the actual interest rate. This processing method not only takes into account the interest subsidy that may be provided by financial institutions, but also takes into account the repayment situation of multiple months under the fixed period, thereby improving the accuracy and reliability of the actual interest rate calculation.

[0081] For example, the above embodiment is described with examples. In a certain embodiment, the total value of financial virtual resource demand is 100,000, the original interest rate is 6% per year, the interest subsidy is 2,000, and the fixed period is 12 months. Then, according to the same financial virtual resource data that needs to be repaid in the first N-1 months, and the amount is relatively small, and the financial virtual resource data that needs to be repaid in the Nth month is large, after the total value of financial virtual resource demand, the original interest rate, the interest subsidy, and the number of months of the fixed period are input into the annuity function (PMT), the repayment financial virtual resource data of each month can be obtained as shown in Table 1:

[0082]

[0083]

[0084] Table 1 Repayment financial virtual resource data table for each month in a certain embodiment

[0085] As can be seen from Table 1, after inputting the total value of financial virtual resource demand, original interest rate, interest subsidy and number of fixed payment months into the PMT formula, we can obtain the financial virtual resource data that needs to be repaid in each period, that is, each month. After accumulation, we can get the total target virtual resource value of 103328.85, of which the total interest is 3328.85.

[0086] See also Figure 5 In some embodiments, step S103 may include but is not limited to steps S501 to S502:

[0087] Step S501, inputting the intermediate interest rate and the total value of financial virtual resource demand in the current search interval into a preset fixed-term repayment model to obtain estimated virtual resource data for multiple months of the fixed-term repayment;

[0088] Step S502: accumulate multiple estimated virtual resource data to obtain the estimated total value of virtual resources.

[0089] In the above steps, the estimated total value of virtual resources is obtained based on the estimated virtual resource data of multiple months under the fixed period, and the estimated virtual resource data of multiple months under the fixed period is determined according to the fixed period repayment method under the corresponding repayment method. The disclosed embodiment provides a method for determining the estimated virtual resource data of multiple months under different repayment methods. For example, the first repayment method is that the financial virtual resource data that needs to be repaid in the first N-1 months is the same, and the amount is relatively small, and the financial virtual resource data that needs to be repaid in the Nth month is larger; the second repayment method is equal principal and interest; the third repayment method is equal principal; the fourth repayment method is interest and principal repayment; the fifth repayment method is net interest repayment. In addition, there may be other repayment methods, which are not specifically limited here. Different repayment methods correspond to a fixed period repayment model. Through the corresponding fixed period repayment model, the estimated virtual resource data that should be repaid for each fixed period month under the corresponding repayment method can be generated.

[0090] The preset fixed-period repayment model in the embodiment of the present application is determined based on the corresponding repayment method. For example, in the embodiment of the present application, the user's repayment mode selection data can be obtained, and the corresponding fixed-period repayment model is selected based on the repayment mode selection data. Furthermore, in the embodiment of the present application, in order to solve the problem that it is difficult to accurately calculate the actual interest rate under the above-mentioned first repayment method, the fixed-period repayment model is set to a model corresponding to the above-mentioned first repayment method. Exemplarily, the fixed-period repayment model is a PMT model.

[0091] Based on this, in the embodiment of the present application, the intermediate interest rate and the total value of financial virtual resource demand in the current search interval can be input into the preset fixed-term repayment model to obtain the estimated virtual resource data for multiple months of the fixed-term repayment. In addition, according to actual needs, other data can also be input into the preset fixed-term repayment model, such as the number of months of the fixed-term repayment model, which is not specifically limited in the embodiment of the present application.

[0092] Finally, the embodiment of the present application can accumulate multiple estimated virtual resource data to obtain the estimated total virtual resource value, thereby improving the accuracy of obtaining the estimated total virtual resource value. Furthermore, the PMT model used to determine the estimated total virtual resource value is the same as the PMT model used to determine the above-mentioned target total virtual resource value, that is, the same fixed-period payment model is used to improve the accuracy of data comparison.

[0093] See also Figure 6 In some embodiments, step S501 may include but is not limited to steps S601 to S602:

[0094] Step S601, obtaining a fixed-period payment and repayment model of a type corresponding to the financial virtual resource data;

[0095] Step S602, inputting the middle interest rate and the total value of financial virtual resource demand in the current search interval into the fixed-term repayment model to obtain the estimated virtual resource data for multiple months of the fixed-term repayment;

[0096] The estimated virtual resource data includes a plurality of first estimated virtual resource data and a second estimated virtual resource data. The plurality of first estimated virtual resource data are equal in size, and the second estimated virtual resource data is larger than the first estimated virtual resource data.

[0097] In the above steps, in order to facilitate the comparison between the estimated total value of virtual resources and the target total value of virtual resources, a fixed-period repayment model of the type corresponding to the financial virtual resource data can be obtained. It should be noted that under different repayment methods, the financial virtual resource data of each fixed-period payment month is different. For example, under the first repayment method mentioned above, the financial virtual resource data of the first N-1 months are the same and the amount is relatively small, and the financial virtual resource data of the Nth month is larger. For another example, in the second repayment method mentioned above, the same amount of financial virtual resource data is repaid every month. Therefore, based on the difference in financial virtual resource data, the corresponding type of fixed-period repayment model can be determined.

[0098] Subsequently, the intermediate interest rate and the total value of financial virtual resource demand in the current search range are input into the fixed-period payment model to obtain the estimated virtual resource data for multiple months under the fixed-period payment, thereby ensuring that the estimated total virtual resource value is the same as the PMT model used to determine the above-mentioned target total virtual resource value, that is, using the same fixed-period payment model to improve the accuracy of data comparison.

[0099] Furthermore, in the embodiment of the present application, it is defined that the estimated virtual resource data includes a plurality of first estimated virtual resource data and a second estimated virtual resource data, and the plurality of first estimated virtual resource data are equal in size, that is, there are N-1 first estimated virtual resource data, there is 1 second estimated virtual resource data, and the second estimated virtual resource data is larger than the first estimated virtual resource data, so that it is applicable to the calculation of the actual interest rate under the first repayment method mentioned above. In addition, the embodiment of the present application can also be applicable to the calculation of the actual interest rate under other repayment methods, which will not be repeated here.

[0100] See also Figure 7 In some embodiments, step S104 may include but is not limited to steps S701 to S702:

[0101] Step S701, when the difference between the estimated total value of virtual resources and the target total value of virtual resources is less than a preset error threshold, confirming that the loop stop condition is met;

[0102] Step S702: The middle interest rate in the last search interval is used as the target interest rate under the fixed period.

[0103] In the above steps, a method for determining whether the cycle stop condition is reached is provided. Specifically, the cycle stop condition defines a preset error threshold, which can be input by the user before the cycle starts, or can be a system default, or can be determined based on historical data, and the embodiments of the present application do not impose specific restrictions on this.

[0104] During the loop, each iteration generates a new estimated virtual resource value based on the middle interest rate in the current search interval, and then compares this estimated value with the target virtual resource value. If the difference between the two is less than the preset error threshold, it means that the current estimated result is close enough to the true value, and continuing the search may not bring significant accuracy improvement, but will increase the computational cost. Therefore, at this point, it can be considered that the target interest rate close enough to the true value has been found, and the loop can be stopped.

[0105] Furthermore, when the loop stop condition is reached, the middle interest rate in the current search interval is the last interest rate value calculated and considered. Since the difference between the estimated total value of virtual resources and the target total value of virtual resources is less than the preset error threshold at this time, it can be considered that this middle interest rate is close enough to the actual target interest rate. Therefore, the middle interest rate in the last search interval is output as the target interest rate under a fixed period. The obtained target interest rate not only meets the repayment requirements of financial institutions, but is as close as possible to the actual interest rate level, thereby improving the accuracy of the actual interest rate calculation.

[0106] The above embodiment is exemplified. In a certain embodiment, the original interest rate before the interest subsidy is 4.524%, so the interest rate after the interest subsidy must be less than 4.524% and must be greater than 0. Before entering the loop, the first search interval can be set. In this embodiment, the first search interval is generated with a minimum interest rate of 0 and a maximum interest rate of 4.524%.

[0107] Subsequently, after entering the loop, in the first loop, the minimum interest rate is 0 and the maximum interest rate is 4.524%, which is divided into two halves to obtain the middle interest rate of 2.262% in the current search interval. 2.262% is used to generate the estimated total value of virtual resources. At this time, the estimated total value of virtual resources is less than the target total value of virtual resources, indicating that 2.262% is smaller than the actual interest rate, and the difference has not yet met the loop stop condition, and the second loop is entered; in the second loop, the middle interest rate of 2.262% of the first time is used as the minimum interest rate for the second time, and the maximum interest rate is still 4.524%. After dividing into two halves, the middle interest rate in the current search interval is 3.393%. 3.393% is used to generate the estimated total value of virtual resources. At this time, the estimated total value of virtual resources is less than the target total value of virtual resources, indicating that 3.393% is smaller than the actual interest rate, and the difference has not yet met the loop stop condition, and the third loop is entered; in the third loop, the middle interest rate of the second time is 2.262% The intermediate interest rate of 3.393% is used as the minimum interest rate for the third time, and the maximum interest rate is still 4.524%. After being divided into two halves, the intermediate interest rate in the current search interval is 3.958%. 3.958% is used to generate the estimated total value of virtual resources. At this time, the estimated total value of virtual resources is greater than the target total value of virtual resources, indicating that 3.958% is greater than the actual interest rate, and the difference has not yet met the loop stop condition, entering the fourth loop; in the fourth loop, the intermediate interest rate of 3.393% of the second time is used as the minimum interest rate for the fourth time, and the intermediate interest rate of 3.958% of the third time is used as the maximum interest rate for the fourth time. After being divided into two halves, the intermediate interest rate in the current search interval is 3.675%. 3.675% is used to generate the estimated total value of virtual resources. At this time, the estimated total value of virtual resources is less than the target total value of virtual resources, indicating that 3.675% is smaller than the actual interest rate, and the difference has not yet met the loop stop condition, entering the fifth loop. The above four-cycle process is used as an example to illustrate the embodiment of the present application. The principle of the subsequent cycle process remains unchanged and will not be repeated here.

[0108] Finally, after multiple cycles of processing, the last intermediate interest rate that meets the cycle stop condition is 3.844219573974609%. After retaining three decimal places, the final target interest rate can be obtained as 3.844%. The embodiment of the present application can continuously search for the intermediate interest rate during the cycle to approach the actual interest rate, thereby improving the accuracy of the actual interest rate calculation. Furthermore, after more than 1,000 simulation stress tests in the embodiment of the present application, the number of cycles required for each interest rate calculation is less than 20 times. Therefore, the performance of the financial data processing method in the embodiment of the present application is efficient and stable, and the actual interest rate that the user actually needs to bear under different repayment methods can be quickly determined, reducing the complexity of the calculation. It is still applicable in the scenario of considering interest subsidies, with low maintenance costs, which is conducive to large-scale promotion.

[0109] See also Figure 8The embodiment of the present application further provides a financial data processing device, which can implement the above financial data processing method, and the device includes:

[0110] The data acquisition module 801 is used to acquire the total value of financial virtual resource demand under a fixed period supply and the original interest rate of the total value of financial virtual resource demand under a fixed period supply;

[0111] The virtual resource determination module 802 is used to obtain the financial virtual resource data of the total value of the financial virtual resource demand in a fixed period for multiple months, and determine the target virtual resource total value based on the multiple financial virtual resource data;

[0112] The loop search module 803 is used to perform a binary halving process based on the current search interval in each loop process to obtain the middle interest rate in the corresponding search interval, and generate the corresponding estimated total virtual resource value according to the middle interest rate in the current search interval and the total value of financial virtual resource demand;

[0113] The first search interval is determined based on the original interest rate, and the current search interval is determined based on the middle interest rate in the previous search interval;

[0114] The interest rate generating module 804 is used to obtain the target interest rate under the fixed period based on the middle interest rate in the last search interval when the difference between the estimated total value of virtual resources and the target total value of virtual resources meets the loop stopping condition.

[0115] The financial data processing device can implement the financial data processing method in the above embodiment, by obtaining the total value of financial virtual resource demand under a fixed period and the original interest rate of the total value of financial virtual resource demand under a fixed period, obtaining the financial virtual resource data of the total value of financial virtual resource demand under a fixed period for multiple months, and determining the target total value of virtual resources based on multiple financial virtual resource data. The target total value of virtual resources obtained is the actual total repayment value, which can be used as the numerical level that is expected to be reached or approached in the subsequent process. Subsequently, in each cycle, a binary split is performed based on the current search interval to obtain the intermediate interest rate in the corresponding search interval, and the total value to be repaid at the intermediate interest rate is estimated based on the intermediate interest rate in the current search interval and the total value of financial virtual resource demand, thereby obtaining the estimated total value of virtual resources, wherein the first search interval is determined based on the original interest rate, and the current search interval is determined based on the intermediate interest rate in the previous search interval, so that the search range can be gradually narrowed in the cycle. When the difference between the estimated total value of virtual resources and the target total value of virtual resources meets the loop stop condition, it means that the latest determined intermediate interest rate is close to the actual interest rate, so that the estimated total value of virtual resources can reach or approach the target total value of virtual resources, and finally the target interest rate under the fixed period supply is obtained based on the intermediate interest rate in the last search interval. The obtained target interest rate is the real interest rate under the fixed period supply. Therefore, the embodiment of the present application can continuously search the intermediate interest rate in the loop process to approach the actual interest rate, thereby improving the accuracy of the actual interest rate calculation.

[0116] The specific implementation of the financial data processing device is basically the same as the specific implementation of the financial data processing method described above, and will not be repeated here. On the premise of meeting the requirements of the embodiments of this application, the financial data processing device can also be provided with other functional modules to implement the financial data processing method in the above embodiments.

[0117] The embodiment of the present application also provides an electronic device, the electronic device includes a memory and a processor, the memory stores a computer program, and the processor implements the above-mentioned financial data processing method when executing the computer program. The electronic device can be any intelligent terminal including a tablet computer, a car computer, etc.

[0118] See also Fig. 9 , Fig. 9 The hardware structure of an electronic device of another embodiment is illustrated, and the electronic device includes:

[0119] The processor 901 may be implemented by a general-purpose CPU (Central Processing Unit), a microprocessor, an application-specific integrated circuit (ASIC), or one or more integrated circuits, and is used to execute relevant programs to implement the technical solutions provided in the embodiments of the present application;

[0120] The memory 902 can be implemented in the form of a read-only memory (ROM), a static storage device, a dynamic storage device, or a random access memory (RAM). The memory 902 can store an operating system and other application programs. When the technical solution provided in the embodiment of this specification is implemented by software or firmware, the relevant program code is stored in the memory 902, and the processor 901 calls and executes the method for processing financial data in the embodiment of this application;

[0121] Input / output interface 903, used to implement information input and output;

[0122] Communication interface 904, used to realize communication interaction between the device and other devices, which can be realized through wired mode (such as USB, network cable, etc.) or wireless mode (such as mobile network, WI FI, Bluetooth, etc.);

[0123] A bus 905 that transmits information between various components of the device (e.g., the processor 901, the memory 902, the input / output interface 903, and the communication interface 904);

[0124] The processor 901 , the memory 902 , the input / output interface 903 and the communication interface 904 are connected to each other in communication within the device via a bus 905 .

[0125] An embodiment of the present application also provides a computer-readable storage medium, which stores a computer program. When the computer program is executed by a processor, the above-mentioned financial data processing method is implemented.

[0126] The memory, as a non-transient computer-readable storage medium, can be used to store non-transient software programs and non-transient computer executable programs. In addition, the memory may include a high-speed random access memory, and may also include a non-transient memory, such as at least one disk storage device, a flash memory device, or other non-transient solid-state storage device. In some embodiments, the memory may optionally include a memory remotely disposed relative to the processor, and these remote memories may be connected to the processor via a network. Examples of the above-mentioned network include, but are not limited to, the Internet, an intranet, a local area network, a mobile communication network, and combinations thereof.

[0127] The financial data processing method and device, electronic device and storage medium provided in the embodiments of the present application obtain the total value of financial virtual resource demand under a fixed period and the original interest rate of the total value of financial virtual resource demand under a fixed period, obtain the financial virtual resource data of the total value of financial virtual resource demand under a fixed period for multiple months, and determine the target total value of virtual resources based on multiple financial virtual resource data. The target total value of virtual resources obtained is the actual total repayment value, which can be used as the numerical level that is expected to be reached or approached in the subsequent process. Subsequently, in each cycle, a binary halving process is performed based on the current search interval to obtain the intermediate interest rate in the corresponding search interval, and the total value to be repaid at the intermediate interest rate is estimated based on the intermediate interest rate in the current search interval and the total value of financial virtual resource demand, thereby obtaining the estimated total value of virtual resources, wherein the first search interval is determined based on the original interest rate, and the current search interval is determined based on the intermediate interest rate in the previous search interval, so that the search range can be gradually narrowed in the cycle. When the difference between the estimated total value of virtual resources and the target total value of virtual resources meets the loop stop condition, it means that the latest determined intermediate interest rate is close to the actual interest rate, so that the estimated total value of virtual resources can reach or approach the target total value of virtual resources, and finally the target interest rate under the fixed period supply is obtained based on the intermediate interest rate in the last search interval. The obtained target interest rate is the real interest rate under the fixed period supply. Therefore, the embodiment of the present application can continuously search the intermediate interest rate in the loop process to approach the actual interest rate, thereby improving the accuracy of the actual interest rate calculation.

[0128] The embodiments described in the embodiments of the present application are intended to more clearly illustrate the technical solutions of the embodiments of the present application and do not constitute a limitation on the technical solutions provided in the embodiments of the present application. Those skilled in the art will appreciate that with the evolution of technology and the emergence of new application scenarios, the technical solutions provided in the embodiments of the present application are also applicable to similar technical problems.

[0129] Those skilled in the art will appreciate that the technical solutions shown in the figures do not constitute a limitation on the embodiments of the present application, and may include more or fewer steps than shown in the figures, or a combination of certain steps, or different steps.

[0130] The device embodiments described above are merely illustrative, and the units described as separate components may or may not be physically separated, that is, they may be located in one place or distributed on multiple network units. Some or all of the modules may be selected according to actual needs to achieve the purpose of the solution of this embodiment.

[0131] Those skilled in the art will appreciate that all or some of the steps in the methods disclosed above, and the functional modules / units in the systems and devices may be implemented as software, firmware, hardware, or a suitable combination thereof.

[0132] The terms "first", "second", "third", "fourth", etc. (if any) in the specification of the present application and the above-mentioned drawings are used to distinguish similar objects, and are not necessarily used to describe a specific order or sequence. It should be understood that the data used in this way can be interchangeable where appropriate, so that the embodiments of the present application described herein can be implemented in an order other than those illustrated or described herein. In addition, the terms "including" and "having" and any of their variations are intended to cover non-exclusive inclusions, for example, a process, method, device, product or equipment comprising a series of steps or units is not necessarily limited to those steps or units clearly listed, but may include other steps or units that are not clearly listed or inherent to these processes, methods, products or equipment.

[0133] It should be understood that in the present application, "at least one (item)" means one or more, and "plurality" means two or more. "And / or" is used to describe the association relationship of associated objects, indicating that three relationships may exist. For example, "A and / or B" can mean: only A exists, only B exists, and A and B exist at the same time, where A and B can be singular or plural. The character " / " generally indicates that the objects associated before and after are in an "or" relationship. "At least one of the following" or similar expressions refers to any combination of these items, including any combination of single or plural items. For example, at least one of a, b or c can mean: a, b, c, "a and b", "a and c", "b and c", or "a and b and c", where a, b, c can be single or multiple.

[0134] In the several embodiments provided in the present application, it should be understood that the disclosed devices and methods can be implemented in other ways. For example, the device embodiments described above are only schematic. For example, the division of the above units is only a logical function division. There may be other division methods in actual implementation, such as multiple units or components can be combined or integrated into another system, or some features can be ignored or not executed. Another point is that the mutual coupling or direct coupling or communication connection shown or discussed can be through some interfaces, indirect coupling or communication connection of devices or units, which can be electrical, mechanical or other forms.

[0135] The units described above as separate components may or may not be physically separated, and the components shown as units may or may not be physical units, that is, they may be located in one place or distributed on multiple network units. Some or all of the units may be selected according to actual needs to achieve the purpose of the solution of this embodiment.

[0136] In addition, each functional unit in each embodiment of the present application may be integrated into one processing unit, or each unit may exist physically separately, or two or more units may be integrated into one unit. The above-mentioned integrated unit may be implemented in the form of hardware or in the form of software functional units.

[0137] 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 technical solution of the present application is essentially or the part that contributes to the prior art or all or part of the technical solution can be embodied in the form of a software product, and the computer software product is stored in a storage medium, including multiple instructions to enable a computer device (which can be a personal computer, server, or network device, etc.) to execute all or part of the steps of the methods of various embodiments of the present application. The aforementioned storage medium includes: U disk, mobile hard disk, read-only memory (Read-Only Memory, referred to as ROM), random access memory (Random Access Memory, referred to as RAM), disk or optical disk and other media that can store programs.

[0138] The preferred embodiments of the present invention are described above with reference to the accompanying drawings, but the scope of the rights of the present invention is not limited thereto. Any modification, equivalent substitution and improvement made by a person skilled in the art without departing from the scope and essence of the present invention should be within the scope of the rights of the present invention.

Claims

1. A method for processing financial data, characterized in that: include: Obtaining the total value of financial virtual resource demand under a fixed period and the original interest rate of the total value of financial virtual resource demand under the fixed period; Acquire the financial virtual resource data of the total demand value of the financial virtual resource for multiple months in the fixed period, and determine the target total value of the virtual resource based on the multiple financial virtual resource data; In each cycle, a binary split is performed based on the current search interval to obtain the middle interest rate in the corresponding search interval, and a corresponding estimated total virtual resource value is generated based on the middle interest rate in the current search interval and the total value of the financial virtual resource demand; wherein the first search interval is determined based on the original interest rate, and the current search interval is determined based on the middle interest rate in the previous search interval; When the difference between the estimated total value of virtual resources and the target total value of virtual resources meets the loop stop condition, the target interest rate under the fixed period supply is obtained based on the middle interest rate in the last search interval.

2. The method for processing financial data according to claim 1, characterized in that: In each cycle, the financial data processing method further includes: When the estimated total value of virtual resources is less than the target total value of virtual resources, the middle interest rate in the current search interval is used as the minimum interest rate in the next search interval, and the next search interval is updated; When the estimated total value of virtual resources is greater than the target total value of virtual resources, the middle interest rate in the current search interval is used as the maximum interest rate in the next search interval to update the next search interval.

3. The method for processing financial data according to claim 1, characterized in that: The financial data processing method further includes: Get the preset initial interest rate; The first search interval is generated using the initial interest rate as the minimum interest rate and the original interest rate as the maximum interest rate.

4. The method for processing financial data according to claim 1, characterized in that: The obtaining of the total value of the financial virtual resource demand in the fixed period for multiple months of financial virtual resource data, and determining the target total value of virtual resources based on the multiple financial virtual resource data, includes: Obtaining interest subsidies corresponding to the total value of the financial virtual resource demand; Generate financial virtual resource data for the next multiple months of the fixed period based on the total value of the financial virtual resource demand and the interest subsidy; The plurality of financial virtual resource data are accumulated to obtain the total value of the target virtual resource.

5. The method for processing financial data according to claim 1, characterized in that: The generating a corresponding estimated total virtual resource value according to the intermediate interest rate and the total financial virtual resource demand value in the current search interval includes: Input the intermediate interest rate and the total value of financial virtual resource demand in the current search interval into a preset fixed-term repayment model to obtain estimated virtual resource data for multiple months of the fixed-term repayment; The plurality of estimated virtual resource data are accumulated to obtain the estimated total value of the virtual resources.

6. The method for processing financial data according to claim 5, characterized in that: The step of inputting the intermediate interest rate and the total value of financial virtual resource demand in the current search interval into a preset fixed-term repayment model to obtain estimated virtual resource data for multiple months of the fixed-term repayment includes: Acquire a fixed-period repayment model of a type corresponding to the financial virtual resource data; Input the intermediate interest rate and the total value of financial virtual resource demand in the current search interval into the fixed-term repayment model to obtain the estimated virtual resource data for the next multiple months of the fixed-term repayment; The estimated virtual resource data includes a plurality of first estimated virtual resource data and a second estimated virtual resource data, the plurality of first estimated virtual resource data are equal in size, and the second estimated virtual resource data is larger than the first estimated virtual resource data.

7. The method for processing financial data according to claim 1, characterized in that: When the difference between the estimated total value of virtual resources and the target total value of virtual resources meets the loop stop condition, the middle interest rate in the last search interval is used as the target interest rate under the fixed period supply, including: When the difference between the estimated total value of virtual resources and the target total value of virtual resources is less than a preset error threshold, confirming that a cycle stop condition is met; The middle interest rate in the last search interval is used as the target interest rate for the fixed period.

8. A financial data processing device, characterized in that: include: A data acquisition module, used to acquire the total value of financial virtual resource demand under a fixed period and the original interest rate of the total value of financial virtual resource demand under the fixed period; A virtual resource determination module, configured to obtain the financial virtual resource data of the total value of the financial virtual resource demand in a plurality of months in the fixed period, and determine the target virtual resource total value based on the plurality of financial virtual resource data; A cyclic search module, used for performing a binary halving process based on the current search interval in each cycle process to obtain the middle interest rate in the corresponding search interval, and generating the corresponding estimated total virtual resource value according to the middle interest rate in the current search interval and the total value of the financial virtual resource demand; wherein the first search interval is determined based on the original interest rate, and the current search interval is determined based on the middle interest rate in the previous search interval; The interest rate generating module is used to obtain the target interest rate under the fixed period supply based on the middle interest rate in the last search interval when the difference between the estimated total value of virtual resources and the target total value of virtual resources meets the loop stopping condition.

9. An electronic device, characterized in that: The electronic device includes a memory and a processor, the memory stores a computer program, and the processor implements the financial data processing method according to any one of claims 1 to 7 when executing the computer program.

10. A computer-readable storage medium storing a computer program, characterized in that: When the computer program is executed by a processor, the method for processing financial data according to any one of claims 1 to 7 is implemented.

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