Financial product admission auditing method and device, electronic equipment and storage medium

Abstract

The embodiment of the invention provides an access auditing method and device for a financial product, electronic equipment and a storage medium, and belongs to the field of financial science and tech, and the method comprises the steps: determining a plurality of user objects with the access voting right of a target financial product; sending the initial review material data to a user terminal corresponding to the user object, and determining an admission initial review result based on a first voting result and a second voting result fed back by the terminal and a preset review rule; sending the admission preliminary review result to a user terminal corresponding to the first user object, and receiving a third voting result fed back by the user terminal; and determining an admission final examination result of the target financial product according to the initial examination result and the third voting result, when the admission final examination result represents that the final examination is passed, executing an admission signing process, and determining a target admission examination result based on the admission signing condition. According to the method and the device, the target financial product is subjected to online sequential three-level admission auditing through the admission auditing device, admission fails if any level of auditing is not passed, and the reliability of an admission auditing result is improved.

Description

Technical Field

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

[0002] At present, in the access review process of financial products (such as fund products, loan products, etc.), relevant data of financial products are collected manually, such as the compliance, product characteristics, risk-return characteristics, professional qualifications of the management team, etc. of the financial products. After the collection is completed, further manual analysis and offline manual voting are carried out, and the final voting result is given by the majority rule, so as to determine whether the financial product can enter the market. However, in the analysis process of financial product-related data, there are quality problems such as data timeliness and data noise of the data to be analyzed, as well as problems of subjectivity and experience differences of analysts, which make it impossible to guarantee the accuracy of the analysis results, thereby affecting the access review results of financial products, and there is a risk of allowing non-standard financial products to enter the market, which makes investors, financial institutions and markets face multiple risks and affects the stability and healthy development of the overall financial system. Summary of the invention

[0003] The main purpose of the embodiments of the present application is to propose a method and device for access review of financial products, an electronic device and a storage medium, aiming to improve the reliability of the access review results of financial products to ensure the security of financial products admitted to the financial market.

[0004] To achieve the above-mentioned purpose, a first aspect of an embodiment of the present application proposes a method for access review of financial products, the method being applied to an access review device, the method comprising:

[0005] Determine multiple user objects having access voting rights for a target financial product, and determine a user terminal corresponding to each of the user objects, wherein each of the user terminals is communicatively connected to the access review device, the user objects include a first user object and multiple second user objects, and the weight of the access voting right corresponding to the first user object is higher than the weight of the access voting right corresponding to the second user object;

[0006] Sending preliminary review material data to each of the user terminals, and receiving a first voting result and a second voting result fed back by each of the user terminals, wherein the first voting result corresponds to the first user object, the second voting result corresponds to the second user object, and the preliminary review material data is used to indicate an admission reference factor for the target financial product;

[0007] Determine the preliminary admission result according to the first voting result, all the second voting results and the preset review rules;

[0008] Sending the preliminary admission review result to the user terminal corresponding to the first user object, and receiving the third voting result fed back by the user terminal corresponding to the first user object;

[0009] Determine the final admission result of the target financial product based on the preliminary review result and the third voting result;

[0010] When the final admission review result indicates that the final review is passed, the admission reporting process of the target financial product is executed, and the target financial product admission review result is determined based on the admission reporting status of the admission reporting process.

[0011] In some embodiments, determining the preliminary admission result according to the first voting result, all the second voting results and preset review rules includes:

[0012] Calculating a first reference number of the second voting results representing approval of access, and calculating a first proportion according to the first reference number and the number of the second voting results;

[0013] Calculating a second reference number of the second voting results indicating disapproval of access, and calculating a second proportion according to the second reference number and the number of the second voting results;

[0014] The preliminary admission result is determined based on the first proportion, the second proportion, a preset proportion threshold and the first voting result.

[0015] In some embodiments, determining the preliminary admission result based on the first proportion, the second proportion, a preset proportion threshold and the first voting result includes:

[0016] When the first proportion is greater than the preset proportion threshold, and the first voting result indicates approval for admission, determining that the preliminary admission result is preliminary approval;

[0017] When the first proportion is greater than the preset proportion threshold, and the first voting result indicates that the admission is not approved, determining that the preliminary admission result is pending for preliminary review;

[0018] When the second proportion is greater than the preset proportion threshold, and the first voting result indicates approval for admission, determining that the preliminary admission result is a preliminary rejection;

[0019] When the second proportion is greater than the preset proportion threshold, and the first voting result indicates that the admission is not approved, the preliminary review result of the admission is determined to be a preliminary rejection.

[0020] In some embodiments, determining the final admission result of the target financial product according to the preliminary admission result and the third voting result includes:

[0021] When the preliminary review result of admission indicates that the preliminary review is passed or the preliminary review is pending, when the third voting result indicates that the admission is approved, the final review result of admission is determined to be that the admission is passed; when the third voting result indicates that the admission is not approved, the final review result of admission is determined to be that the admission is not passed;

[0022] In the case where the preliminary review result of admission indicates a preliminary rejection, no matter the third voting result indicates approval or disapproval of admission, the final review result of admission is determined to be failure to pass the admission.

[0023] In some embodiments, sending the preliminary review material data to each of the user terminals, and receiving the first voting result and the second voting result fed back by each of the user terminals, includes:

[0024] Sending the preliminary review material data to each of the user terminals so that each of the user terminals generates a visualization interface, wherein each of the visualization interfaces includes a display window, a first control, and a second control, wherein the first control is used to indicate an operation button for generating a first voting result or a second voting result representing approval of access, and the second control is used to indicate an operation button for generating a first voting result or a second voting result representing disapproval of access, and the display window displays the preliminary review material data;

[0025] In response to a click operation of the first control or the second control of each of the user terminals, the user terminal generates a corresponding first voting result or a corresponding second voting result, and sends the first voting result and the second voting result to the access review device;

[0026] The access review device receives the first voting result and the second voting result.

[0027] In some embodiments, the executing the target financial product admission report process includes:

[0028] Determining multiple reporting types of the target financial product;

[0029] According to the preset reporting order and each reporting type, the reporting operations for the target financial product are performed in sequence, and the reporting results are recorded in sequence, wherein the reporting order is used to indicate the order of performing the reporting operations corresponding to each reporting type, and the reporting types corresponding to each reporting operation are different from each other;

[0030] In the process of sequentially executing each of the reporting operations, when it is detected that the reporting result indicates that the reporting is not passed, the admission reporting process is stopped, and the target admission review result is determined to be a review failure.

[0031] In some embodiments, the method further comprises:

[0032] Determine a trigger control for each access status corresponding to the target financial product, wherein each of the trigger controls is located in the visualization interface, and each of the access statuses corresponds to a component to be rendered;

[0033] In response to a click operation of the trigger control, the to-be-rendered component corresponding to the current access state is rendered.

[0034] To achieve the above-mentioned purpose, a second aspect of an embodiment of the present application provides a financial product access review device, the device comprising:

[0035] A first data processing module is used to determine a plurality of user objects having access voting rights for a target financial product, and to determine a user terminal corresponding to each of the user objects, wherein each of the user terminals is in communication connection with the access review device, the user objects include a first user object and a plurality of second user objects, and the weight of the access voting right corresponding to the first user object is higher than the weight of the access voting right corresponding to the second user object;

[0036] A first data transceiver module is used to send preliminary review material data to each of the user terminals, and receive a first voting result and a second voting result fed back by each of the user terminals, wherein the first voting result corresponds to the first user object, the second voting result corresponds to the second user object, and the preliminary review material data is used to indicate an admission reference factor for the target financial product;

[0037] A second data processing module, used to determine the preliminary admission result according to the first voting result, all the second voting results and preset review rules;

[0038] A second data transceiver module is used to send the preliminary admission result to the user terminal corresponding to the first user object, and receive the third voting result fed back by the user terminal corresponding to the first user object;

[0039] A third data processing module, configured to determine the final admission result of the target financial product according to the preliminary review result and the third voting result;

[0040] The fourth data processing module is used to execute the admission reporting process of the target financial product when the admission final review result indicates that the final review has been passed, and determine the admission review result of the target financial product based on the admission reporting situation of the admission reporting process.

[0041] 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 product access review method described in the first aspect when executing the computer program.

[0042] To achieve the above-mentioned purpose, 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 product access review method described in the first aspect above.

[0043] The access review method and device, electronic device and storage medium proposed in the present application for financial products determine multiple user objects with access voting rights for target financial products, and determine user terminals corresponding to each of the user objects, wherein each of the user terminals is communicatively connected to the access review device, the user objects include a first user object and multiple second user objects, the weight of the access voting rights corresponding to the first user object is higher than the weight of the access voting rights corresponding to the second user object; send preliminary review material data to each of the user terminals, and receive the first voting result and the second voting result fed back by each of the user terminals, wherein the first voting result corresponds to the first user object, and the second voting result corresponds to the first user object. The second voting result corresponds to the second user object; the preliminary review result is determined based on the first voting result, all the second voting results and the preset review rules, and the preliminary review material data is used to indicate the reference factors for the access of the target financial product; the preliminary review result is sent to the user terminal corresponding to the first user object, and the third voting result fed back by the user terminal corresponding to the first user object is received; the final review result of the access of the target financial product is determined based on the preliminary review result and the third voting result, and when the final review result of the access indicates that the final review has been passed, the access report process of the target financial product is executed, and the target access review result is determined based on the access report of the access report process. That is to say, this application uses the access review device to conduct the preliminary review, final review and access report of the target financial product in sequence online, that is, to conduct a three-level access review. Failure of any level of review will result in access failure, which effectively improves the reliability of the access review results of financial products to ensure the security of financial products entering the financial market. BRIEF DESCRIPTION OF THE DRAWINGS

[0044] Figure 1 is a flow chart of a method for reviewing the access to financial products provided in an embodiment of the present application;

[0045] Figure 2 yes Figure 1 Flow chart of step S30 in FIG.

[0046] Figure 3 yes Figure 2 Flow chart of step S33 in FIG.

[0047] Figure 4 yes Figure 1 Flow chart of step S50 in FIG.

[0048] Figure 5 yes Figure 1 Flow chart of step S20 in FIG.

[0049] Figure 6 yes Figure 1 Flow chart of step S60 in FIG.

[0050] Figure 7 is a flow chart of a method for reviewing the access of financial products provided by another embodiment of the present application;

[0051] Figure 8 It is a structural diagram of a financial product access review device provided in an embodiment of the present application;

[0052] 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

[0053] 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.

[0054] 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.

[0055] 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.

[0056] First, some nouns involved in this application are analyzed:

[0057] Information Extraction: A text processing technology that extracts specified types of entity, relationship, event and other factual information from natural language text and forms structured data output. Information extraction is a technology that extracts specific information from text data. Text data is composed of some specific units, such as sentences, paragraphs, and chapters. Text information is composed of some small specific units, such as characters, words, phrases, sentences, paragraphs, or a combination of these specific units. Extracting noun phrases, names, place names, etc. from text data are all text information extraction. Of course, the information extracted by text information extraction technology can be various types of information.

[0058] At present, in the access review process of financial products (such as fund products, loan products, etc.), relevant data of financial products are collected manually, such as the compliance, product characteristics, risk-return characteristics, professional qualifications of the management team, etc. of the financial products. After the collection is completed, further manual analysis and offline manual voting are carried out, and the final voting result is given by the majority rule, so as to determine whether the financial product can enter the market. However, in the analysis process of financial product-related data, there are quality problems such as data timeliness and data noise of the data to be analyzed, as well as problems of subjectivity and experience differences of analysts, which make it impossible to guarantee the accuracy of the analysis results, thereby affecting the access review results of financial products, and there is a risk of allowing non-standard financial products to enter the market, which makes investors, financial institutions and markets face multiple risks and affects the stability and healthy development of the overall financial system.

[0059] To solve the above-mentioned problems, the embodiments of the present application provide a method and device for access review of financial products, an electronic device and a storage medium, the method comprising: determining multiple user objects having access voting rights for a target financial product, and determining a user terminal corresponding to each of the user objects, wherein each of the user terminals is communicatively connected to the access review device, the user objects comprising a first user object and multiple second user objects, the weight of the access voting right corresponding to the first user object being higher than the weight of the access voting right corresponding to the second user object; sending preliminary review material data to each of the user terminals, and receiving a first voting result and a second voting result fed back by each of the user terminals, wherein the first voting result is the same as the first voting result. The first user object corresponds to the second voting result, and the second voting result corresponds to the second user object; the preliminary review result of access is determined according to the first voting result, all the second voting results and the preset review rules, and the preliminary review material data is used to indicate the access reference factors of the target financial product; the preliminary review result of access is sent to the user terminal corresponding to the first user object, and the third voting result fed back by the user terminal corresponding to the first user object is received; the final review result of access of the target financial product is determined according to the preliminary review result and the third voting result, and when the final review result of access indicates that the final review is passed, the access report process of the target financial product is executed, and the target access review result is determined based on the access report of the access report process. That is to say, this application uses the access review device to conduct the preliminary review, final review and access report of the target financial product in sequence online, that is, to conduct a three-level access review. Failure of any level of review will result in access failure, which effectively improves the reliability of the access review results of financial products to ensure the security of financial products entering the financial market.

[0060] The access review method and device, electronic device and storage medium for financial products provided in the embodiments of the present application are specifically illustrated through the following embodiments. First, the access review method for financial products in the embodiments of the present application is described.

[0061] The access review method for financial products provided in the embodiments of the present application can be applied to a terminal, or to a server, or can be software running in a terminal or a server. In some embodiments, the terminal can be a smart phone, a tablet computer, a laptop computer, a desktop computer, etc.; the server can be configured as an independent physical server, or a server cluster or a distributed system composed of multiple physical servers, or 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 access review method for financial products, etc., but is not limited to the above forms.

[0062] 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.

[0063] 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, and 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 consent will be obtained through a pop-up window or by jumping to a confirmation page. After clearly obtaining the user's separate permission or consent, the necessary user-related data for the normal operation of the embodiment of the present application will be obtained.

[0064] See also Figure 1 , Figure 1 is an optional flow chart of the method for reviewing the access of financial products provided in the embodiment of the present application. Figure 1 The method is applied to the access audit device, and may include but is not limited to steps S10 to S60.

[0065] Step S10, determine multiple user objects with access voting rights for the target financial product, and determine the user terminal corresponding to each user object, wherein each user terminal is communicatively connected to the access review device, the user objects include a first user object and multiple second user objects, and the weight of the access voting right corresponding to the first user object is higher than the weight of the access voting right corresponding to the second user object.

[0066] Specifically, this embodiment does not limit the specific target financial product, and may be a fund product, a loan product, etc.

[0067] Specifically, this embodiment is to conduct an access review on the target financial products before they enter the market, aiming to ensure that the target financial products comply with the requirements of laws and regulations, market access conditions and investor interest protection, avoid non-standard financial products from entering the market, thereby avoiding risks to investors, financial institutions and markets, and ensuring the stability and healthy development of the overall financial system.

[0068] Specifically, the access review process of this embodiment includes initial access review, final access review and access reporting. These three-level approval processes are sequential. First, when entering the initial review stage, it is necessary to determine the user objects with access voting rights. There are two types of user objects in this embodiment, a first user object with a higher weight of access voting rights, and a second user object with a relatively lower weight of access voting rights. The voting rights corresponding to the first user object are higher than the voting rights of the second user object. Therefore, the first user object has the access voting right in the final access review process, while the second user object does not. The first user object has a veto power. In this way, compared with the existing user objects with voting rights, the voting weights corresponding to the same user objects are consistent. Through the offline access review method of minority obeys majority voting, the multi-level review of the embodiment of the present application can better ensure the reliability of the access review results, and thus ensure the security of financial products entering the market.

[0069] Specifically, the embodiment of the present application does not limit the specific number of first user objects and second user objects, and those skilled in the art may adjust them according to actual conditions. For example, in the present embodiment, the number of first user objects is 1, and the number of second user objects is 10.

[0070] Specifically, each user object of the present application is a pre-set user identification of the reviewer corresponding to the target financial product; the user terminal corresponding to each user object can establish a communication connection with the access review device through the operation of the user object logging into the platform website corresponding to the access review device, or can establish a communication connection by receiving the voting link corresponding to the access review device.

[0071] It can be understood that step S10 shown in the embodiment of the present application can provide effective support for the subsequent preliminary and final review stages of access to the target financial product by determining multiple user objects with access voting rights for the target financial product and determining the user terminal corresponding to each user object.

[0072] Step S20, sending the preliminary review material data to each user terminal, and receiving the first voting result and the second voting result fed back by each user terminal, wherein the first voting result corresponds to the first user object, and the second voting result corresponds to the second user object, and the preliminary review material data is used to indicate the admission reference factors of the target financial product.

[0073] Specifically, the embodiments of the present application do not limit the specific content of the preliminary review material data, and may include compliance assessment results for target financial products, team qualification assessment results of issuing institutions, risk assessment results, market demand analysis, and competitive environment assessment results, etc.

[0074] Specifically, this embodiment does not limit the method of obtaining the preliminary review material data. It can be pre-saved by an administrator in the server of the access review device, or a communication connection can be established between the access review device and multiple data source platforms such as the issuing institution platform corresponding to the target financial product, the financial regulatory agency platform, etc., to obtain the corresponding preliminary review material data.

[0075] It can be understood that, with reference to the description of the above embodiment, since the user object corresponding to each user terminal has the right to vote on the access of the target financial product, and the premise of executing the vote is based on the evaluation of the preliminary review material data, it is necessary to send the preliminary review material data to each user terminal, so as to provide support for obtaining the voting results fed back by each user terminal. The first voting result and the second voting result received from the user terminal can provide an effective data basis for the subsequent preliminary review results of access.

[0076] Specifically, see Figure 5 , in some embodiments, Figure 1 Step S20 includes but is not limited to steps S21 to S23:

[0077] Step S21, sending the preliminary review material data to each user terminal so that each user terminal generates a visualization interface, wherein each visualization interface includes a display window, a first control and a second control, wherein the first control is used to indicate an operation button for generating a first voting result or a second voting result representing approval of access, and the second control is used to indicate an operation button for generating a first voting result or a second voting result representing disapproval of access, and the display window displays the preliminary review material data;

[0078] Step S22, in response to the click operation of the first control or the second control of each user terminal, the user terminal generates a corresponding first voting result or a second voting result, and sends the first voting result and the second voting result to the access review device;

[0079] Step S23: the access review device receives the first voting result and the second voting result.

[0080] It can be understood that, with reference to the description of the above embodiment, when the user object corresponding to the user terminal logs in to the platform website corresponding to the access review device, each user terminal generates and displays a visualization interface. The visualization interface of this embodiment may include a display window for displaying preliminary review material data, and a first control representing an operation button for the first voting result or the second voting result of approving access, and a second control representing an operation button for the first voting result or the second voting result of not agreeing to access. This enables the corresponding user object to view the preliminary review material data on the display window and send the voting result by clicking the first control or the second control, thereby realizing online voting to complete the preliminary review process. Compared with the offline voting solution, it can simplify the preliminary review process and improve the efficiency of the access review of the target financial products.

[0081] Specifically, in order to avoid accidental touches by the user when clicking on the first control or the second control, this embodiment triggers the visual interface to display a confirmation window after responding to a click event on the first control or the second control. The confirmation window displays a confirmation control, a cancel control, and prompt text corresponding to the first control or the second control (for example, in response to a click operation on the first control, the prompt text content is "Do you agree to access?", or in response to a click operation on the second control, the prompt text content is "Do you disagree to access?"). In response to a click operation on the confirmation control, a corresponding voting result is generated and sent to the access review platform. In response to a click operation on the cancel control, no voting result is generated, and the process returns to the previous node to provide an opportunity to click on the first control or the second control again.

[0082] Also, see Figure 7 In some embodiments, the financial product access review method of the present application embodiment further includes but is not limited to steps S71 to S72:

[0083] Step S71, determining the trigger controls of each access status corresponding to the target financial product, wherein each trigger control is located in the visual interface, and each access status corresponds to a component to be rendered;

[0084] Step S72, in response to a click operation of the trigger control, rendering the to-be-rendered component corresponding to the current access state.

[0085] Specifically, the access review device is preset with rendering link information for rendering multiple control components, and each different control component is associated with a corresponding sub-component, which provides an effective data basis for rendering and displaying different operation controls according to different access states in the subsequent visual interface.

[0086] Specifically, the access review process for the target financial products in this embodiment includes multiple access statuses, such as preliminary review status, preliminary review rejection status, preliminary review approval status, preliminary review pending status, final review status, final review rejection status, final review approval status, access reporting status, access rejection status, access failure status, etc. The preliminary review status corresponds to only displaying a viewing control in the visual interface, and the preliminary review rejection status corresponds to displaying an editing control, a submit preliminary review control, a submit final review control, and a viewing control in the visual interface. That is to say, in the visual interface, different operation controls are displayed for different access statuses. It is understandable that different access states correspond to different trigger controls. For example, the trigger control corresponding to the final review state is the submit final review control. This embodiment renders the button control corresponding to the final review state only after responding to the click operation of the submit final review control. For example, the vi f instruction of the Vue component can be used to determine whether the button control is rendered. The judgment condition is whether the corresponding trigger control is clicked, and the button control is set to be displayed before rendering. Compared with the solution of rendering the button controls corresponding to all access states, the rendering amount of the button controls and their subcomponents can be reduced, the display status of the button controls can be better controlled, and the performance of the access review device can be improved.

[0087] It can be understood that this embodiment, while responding to a click operation of any button control or other control in the visual interface, passes the information of the target financial product (such as access status information) and the control type as parameters, determines the control type to perform different interface calls, and effectively improves the code reuse rate and maintainability.

[0088] Step S30, determining the preliminary admission result according to the first voting result, all the second voting results and the preset review rules.

[0089] Specifically, see Figure 2 In some embodiments, step S30 may include but is not limited to steps S31 to S33:

[0090] Step S31, calculating a first reference number of second voting results representing approval of access, and calculating a first proportion according to the first reference number and the number of second voting results;

[0091] Step S32, calculating a second reference number of second voting results representing disapproval of access, and calculating a second proportion according to the second reference number and the number of second voting results;

[0092] Step S33, determining the preliminary admission result based on the first proportion, the second proportion, the preset proportion threshold and the first voting result.

[0093] See also Figure 3 , in some embodiments, Figure 2The step S33 determines the preliminary admission result based on the first proportion, the second proportion, the preset proportion threshold and the first voting result, including but not limited to steps S331 to S334:

[0094] Step S331: when the first proportion is greater than the preset proportion threshold, and the first voting result indicates approval for admission, the preliminary admission result is determined to be preliminary approval;

[0095] Step S332: when the first proportion is greater than the preset proportion threshold, and the first voting result indicates that the admission is not approved, the preliminary admission result is determined to be pending;

[0096] Step S333: when the second proportion is greater than the preset proportion threshold, and the first voting result indicates approval for admission, the preliminary admission result is determined to be a preliminary rejection;

[0097] Step S334: When the second proportion is greater than the preset proportion threshold, and the first voting result indicates that the admission is not approved, the preliminary review result of the admission is determined to be a preliminary rejection.

[0098] Specifically, this embodiment does not limit the preset percentage threshold, and those skilled in the art may select it according to actual conditions, which may be 50%.

[0099] It can be understood that the preliminary review process for access to the target financial product in this embodiment includes: calculating a first reference number of second voting results representing approval of access, and calculating a first proportion based on the first reference number and the number of second voting results, that is, determining the proportion of "approval of access" votes cast by second user objects with access voting rights with lower weights, calculating a second reference number of second voting results representing disapproval of access, and calculating a second proportion based on the second reference number and the number of second voting results, that is, determining the proportion of "disagreement of access" votes cast by second user objects with access voting rights with lower weights; and then determining the preliminary review result for access based on the first proportion, the second proportion, the preset proportion threshold and the first voting result. The specific judgment logic of the preliminary review result of access is as follows: when the first proportion is greater than the preset proportion threshold, and the first voting result indicates that access is approved, the preliminary review result of access is determined to be passed; when the first proportion is greater than the preset proportion threshold, and the first voting result indicates that access is not approved, the preliminary review result of access is determined to be pending; when the second proportion is greater than the preset proportion threshold, and the first voting result indicates that access is approved, the preliminary review result of access is determined to be rejected; when the second proportion is greater than the preset proportion threshold, and the first voting result indicates that access is not approved, the preliminary review result of access is determined to be rejected. Since the voting authority corresponding to the first user object is higher than the voting authority of the second user object, the preliminary review result corresponding to the preliminary review process of this embodiment is determined according to the voting results of the two levels, which better guarantees the reliability of the preliminary review result of access, as well as the reliability of the subsequent standard access review results, and effectively avoids the market access of non-standard financial products.

[0100] Step S40: sending the preliminary admission review result to the user terminal corresponding to the first user object, and receiving the third voting result fed back by the user terminal corresponding to the first user object.

[0101] Step S50, determining the final admission result of the target financial product according to the preliminary admission result and the third voting result.

[0102] Specifically, the steps and principles of generating the third voting result in this embodiment can be referred to Figure 5 The principle of generating the first voting result and the second voting result from step S21 to step S23 will not be described in detail here.

[0103] Specifically, see Figure 4 , in some embodiments, Figure 1 Step S50 includes but is not limited to steps S51 to S52:

[0104] Step S51, when the preliminary review result indicates that the preliminary review is passed or the preliminary review is pending, when the third voting result indicates that the admission is approved, the final review result of the admission is determined to be passed; when the third voting result indicates that the admission is not approved, the final review result of the admission is determined to be not passed;

[0105] Step S52: when the admission preliminary review result indicates a preliminary rejection, no matter the third voting result indicates approval or disapproval of admission, the admission final review result is determined to be a failure to pass.

[0106] It can be understood that, with reference to the description of the above embodiment, the final review process for the target financial product in this embodiment includes: when the result of the preliminary review indicates that the preliminary review is passed or the preliminary review is pending, when the third voting result indicates that the access is approved, the final review result is determined to be the access is passed; when the third voting result indicates that the access is not approved, the final review result is determined to be the access is not passed. That is to say, the final review result of the access in this embodiment is generated by combining the preliminary review result of the access and the third voting result obtained by the first user object for the preliminary review result of the access and the product information corresponding to the target financial product, that is, it is obtained through multi-dimensional reference factors. Regardless of the preliminary review result of the access, the final review process can be initiated, and the voting authority corresponding to the execution of the final review process belongs only to the first user object, thereby better ensuring the reliability of the final review result of the access.

[0107] Step S60: When the final admission review result indicates that the final review is passed, the admission reporting process of the target financial product is executed, and the admission review result of the target financial product is determined based on the admission reporting status of the admission reporting process.

[0108] Specifically, see Figure 6 , in some embodiments, Figure 1 The target financial product access reporting process in step S60 includes, but is not limited to, steps S61 to S63:

[0109] Step S61, determining multiple reporting types of the target financial product;

[0110] Step S62: According to the preset reporting order and each reporting type, the reporting operations for the target financial product are performed in sequence, and the reporting results are recorded in sequence, wherein the reporting order is used to indicate the order of performing the reporting operations corresponding to each reporting type, and the reporting types corresponding to each reporting operation are different from each other;

[0111] Step S63, in the process of sequentially executing each report operation, when it is detected that the report result indicates that the report is not passed, the access report process is stopped, and the target entry review result is determined to be not passed.

[0112] Specifically, the reporting types of this embodiment may include private wealth reporting and basic reporting. The preset reporting order can be adjusted by those skilled in the art according to actual conditions. The reporting order of this embodiment is basic reporting first and private wealth reporting second.

[0113] It can be understood that the steps of executing the access reporting process of the target financial product in this embodiment specifically include: determining multiple reporting types of the target financial product, the reporting types of this embodiment include private financial reporting and basic reporting, and executing the reporting operations for the target financial product in sequence according to the preset reporting order and each reporting type, and recording the reporting results in sequence, wherein the preset reporting order can be adjusted by a person skilled in the art according to actual conditions. The reporting order of this embodiment is basic reporting first and private financial reporting later. When the basic reporting is executed, the basic team reporting is called, and when the private financial reporting is executed, the private financial reporting is called. In the process of executing each reporting operation in sequence, when it is detected that the reporting result indicates that the reporting fails, the access reporting process is stopped, and the target standard entry review result is determined to be a failed review. That is to say, the access reporting process of this application is a sequential approval, and any node in the access reporting process that fails to pass the review (private financial reporting fails or basic reporting fails) will result in the target standard entry review result being determined as an access failure. In this way, the reliability of the access review results of financial products can be effectively improved to ensure the security of financial products entering the financial market.

[0114] See also Figure 8 The embodiment of the present application further provides a financial product access review device, which can implement the above-mentioned financial product access review method. The financial product access review device includes:

[0115] A first data processing module is used to determine multiple user objects having access voting rights for a target financial product, and to determine a user terminal corresponding to each user object, wherein each user terminal is in communication connection with the access review device, the user objects include a first user object and multiple second user objects, and the weight of the access voting right corresponding to the first user object is higher than the weight of the access voting right corresponding to the second user object;

[0116] A first data transceiver module is used to send preliminary review material data to each user terminal, and receive first voting results and second voting results fed back by each user terminal, wherein the first voting result corresponds to the first user object, the second voting result corresponds to the second user object, and the preliminary review material data is used to indicate the admission reference factors of the target financial product;

[0117] The second data processing module is used to determine the preliminary admission result according to the first voting result, all the second voting results and the preset review rules;

[0118] The second data transceiver module is used to send the preliminary admission result to the user terminal corresponding to the first user object, and receive the third voting result fed back by the user terminal corresponding to the first user object;

[0119] The third data processing module is used to determine the final admission result of the target financial product according to the preliminary admission result and the third voting result;

[0120] The fourth data processing module is used to execute the access reporting process of the target financial product when the final review result of the access indicates that the final review has been passed, and determine the target standard access review result based on the access reporting situation of the access reporting process.

[0121] The specific implementation of the financial product access review device is basically the same as the specific implementation of the financial product access review method described above, and will not be repeated here.

[0122] 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 product access review method when executing the computer program. The electronic device can be any smart terminal including a tablet computer, a car computer, etc.

[0123] See also Fig. 9 , the embodiments of the present application Fig. 9 The hardware structure of an electronic device of another embodiment is illustrated, and the electronic device includes:

[0124] 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;

[0125] 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 access review method for financial products in the embodiment of this application;

[0126] Input / output interface 903, used to implement information input and output;

[0127] 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.);

[0128] 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);

[0129] 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 .

[0130] 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, it implements the above-mentioned financial product access review method.

[0131] 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.

[0132] The access review method and device, electronic device and storage medium provided in the embodiments of the present application determine multiple user objects having access voting rights for the target financial product, and determine user terminals corresponding to each of the user objects, wherein each of the user terminals is communicatively connected to the access review device, the user objects include a first user object and multiple second user objects, and the weight of the access voting right corresponding to the first user object is higher than the weight of the access voting right corresponding to the second user object; send preliminary review material data to each of the user terminals, and receive the first voting result and the second voting result fed back by each of the user terminals, wherein the first voting result corresponds to the first user object. , the second voting result corresponds to the second user object; the preliminary review result is determined according to the first voting result, all the second voting results and the preset review rules, and the preliminary review material data is used to indicate the reference factors for the access of the target financial product; the preliminary review result is sent to the user terminal corresponding to the first user object, and the third voting result fed back by the user terminal corresponding to the first user object is received; the final review result of the access of the target financial product is determined according to the preliminary review result and the third voting result, and when the final review result of the access indicates that the final review is passed, the access report process of the target financial product is executed, and the target access review result is determined based on the access report of the access report process. That is to say, this application uses the access review device to conduct the preliminary review, final review and access report of the target financial product in sequence online, that is, to conduct a three-level access review. Failure of any level of review will result in access failure, which effectively improves the reliability of the access review results of financial products to ensure the security of financial products entering the financial market.

[0133] 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.

[0134] 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.

[0135] 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.

[0136] 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.

[0137] 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, system, product or device 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 devices.

[0138] 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.

[0139] 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.

[0140] 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.

[0141] 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.

[0142] 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.

[0143] 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 reviewing the access of financial products, characterized in that: Applied to an access audit device, the method comprises: Determine multiple user objects having access voting rights for a target financial product, and determine a user terminal corresponding to each of the user objects, wherein each of the user terminals is communicatively connected to the access review device, the user objects include a first user object and multiple second user objects, and the weight of the access voting right corresponding to the first user object is higher than the weight of the access voting right corresponding to the second user object; Sending preliminary review material data to each of the user terminals, and receiving a first voting result and a second voting result fed back by each of the user terminals, wherein the first voting result corresponds to the first user object, the second voting result corresponds to the second user object, and the preliminary review material data is used to indicate an admission reference factor for the target financial product; Determine the preliminary admission result according to the first voting result, all the second voting results and the preset review rules; Sending the preliminary admission review result to the user terminal corresponding to the first user object, and receiving the third voting result fed back by the user terminal corresponding to the first user object; Determine the final admission result of the target financial product according to the preliminary admission result and the third voting result; When the final admission review result indicates that the final review is passed, the admission reporting process of the target financial product is executed, and the target financial product admission review result is determined based on the admission reporting status of the admission reporting process.

2. The method for access review of financial products according to claim 1, characterized in that: The preliminary admission review result is determined according to the first voting result, all the second voting results and the preset review rules, including: Calculating a first reference number of the second voting results representing approval of access, and calculating a first proportion according to the first reference number and the number of the second voting results; Calculating a second reference number of the second voting results indicating disapproval of access, and calculating a second proportion according to the second reference number and the number of the second voting results; The preliminary admission result is determined based on the first proportion, the second proportion, a preset proportion threshold and the first voting result.

3. The method for access review of financial products according to claim 2, characterized in that: Determining the preliminary admission result based on the first proportion, the second proportion, a preset proportion threshold and the first voting result includes: When the first proportion is greater than the preset proportion threshold, and the first voting result indicates approval for admission, determining that the preliminary admission result is preliminary approval; When the first proportion is greater than the preset proportion threshold, and the first voting result indicates that the admission is not approved, determining that the preliminary admission result is pending for preliminary review; When the second proportion is greater than the preset proportion threshold, and the first voting result indicates approval for admission, determining that the preliminary admission result is a preliminary rejection; When the second proportion is greater than the preset proportion threshold, and the first voting result indicates that the admission is not approved, the preliminary review result of the admission is determined to be a preliminary rejection.

4. The method for access review of financial products according to claim 3, characterized in that: The final admission result of the target financial product is determined according to the preliminary admission result and the third voting result, including: When the preliminary review result of admission indicates that the preliminary review is passed or the preliminary review is pending, when the third voting result indicates that the admission is approved, the final review result of admission is determined to be that the admission is passed; when the third voting result indicates that the admission is not approved, the final review result of admission is determined to be that the admission is not passed; In the case where the preliminary admission result indicates a preliminary rejection, regardless of whether the third voting result indicates approval or disapproval of the admission, the final admission result is determined to be a failure to pass the admission.

5. The method for access review of financial products according to claim 1, characterized in that: Sending the preliminary review material data to each of the user terminals, and receiving the first voting result and the second voting result fed back by each of the user terminals, includes: Sending the preliminary review material data to each of the user terminals so that each of the user terminals generates a visualization interface, wherein each of the visualization interfaces includes a display window, a first control, and a second control, wherein the first control is used to indicate an operation button for generating a first voting result or a second voting result representing approval of access, and the second control is used to indicate an operation button for generating a first voting result or a second voting result representing disapproval of access, and the display window displays the preliminary review material data; In response to a click operation of the first control or the second control of each of the user terminals, the user terminal generates a corresponding first voting result or a corresponding second voting result, and sends the first voting result and the second voting result to the access review device; The access review device receives the first voting result and the second voting result.

6. The method for access review of financial products according to any one of claims 1 to 5, characterized in that: The process of executing the target financial product admission report includes: Determining multiple reporting types of the target financial product; According to the preset reporting order and each reporting type, the reporting operations for the target financial product are performed in sequence, and the reporting results are recorded in sequence, wherein the reporting order is used to indicate the order of performing the reporting operations corresponding to each reporting type, and the reporting types corresponding to each reporting operation are different from each other; In the process of sequentially executing each of the reporting operations, when it is detected that the reporting result indicates that the reporting is not passed, the admission reporting process is stopped, and the target admission review result is determined to be a review failure.

7. The method for access review of financial products according to claim 5, characterized in that: The method further comprises: Determine a trigger control for each access state corresponding to the target financial product, wherein each of the trigger controls is located in the visualization interface, and each of the access states corresponds to a component to be rendered; In response to a click operation of the trigger control, the to-be-rendered component corresponding to the current access state is rendered.

8. A financial product access review device, characterized in that: The financial product access review device comprises: A first data processing module is used to determine a plurality of user objects having access voting rights for a target financial product, and to determine a user terminal corresponding to each of the user objects, wherein each of the user terminals is in communication connection with the access review device, the user objects include a first user object and a plurality of second user objects, and the weight of the access voting right corresponding to the first user object is higher than the weight of the access voting right corresponding to the second user object; A first data transceiver module is used to send preliminary review material data to each of the user terminals, and receive a first voting result and a second voting result fed back by each of the user terminals, wherein the first voting result corresponds to the first user object, the second voting result corresponds to the second user object, and the preliminary review material data is used to indicate an admission reference factor for the target financial product; A second data processing module, used to determine the preliminary admission result according to the first voting result, all the second voting results and preset review rules; A second data transceiver module is used to send the preliminary admission result to the user terminal corresponding to the first user object, and receive the third voting result fed back by the user terminal corresponding to the first user object; A third data processing module, configured to determine a final admission result of the target financial product according to the preliminary admission result and the third voting result; The fourth data processing module is used to execute the admission reporting process of the target financial product when the admission final review result indicates that the final review has been passed, and determine the admission review result of the target financial product based on the admission reporting situation of the admission reporting process.

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 product access review 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 reviewing the access to financial products described in any one of claims 1 to 7 is implemented.

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