Project risk determination method and device, equipment, medium and product

Abstract

The invention discloses a project risk determination method and device, equipment, a medium and a product, which can be applied to the field of financial science and technology, and the method comprises the steps: determining a to-be-monitored project and risk monitoring information of the to-be-monitored project based on a risk monitoring demand in a risk management instruction, the risk monitoring information comprises at least one to-be-monitored risk index and generation logic of the at least one to-be-monitored risk index; based on the generation logic of each to-be-monitored risk indicator and a predetermined general operator library, risk assessment information of the to-be-monitored project is determined, the risk assessment information comprises at least one target risk indicator, and the number of the target risk indicators is not greater than the number of the to-be-monitored risk indicators; and determining project risk information of the to-be-monitored project based on the calculation result of each target risk index. According to the invention, the target risk index for determining the risk condition of the to-be-monitored project can be quickly obtained, the generation efficiency of the risk index is improved, and the risk management workload and the risk management cost are reduced.

Description

Technical Field

[0001] The present invention relates to the field of risk assessment technology and can be applied to the field of financial technology, and in particular to a method, device, equipment, medium and product for determining project risk. Background Art

[0002] With the development of asset management business, asset management companies may encounter problems such as multi-layer nesting and rigid redemption, which will lead to the accumulation and transmission of financial risks. Risk management can help asset management companies identify, assess and control risks, prevent risks to a certain extent, block business operation risks, and benefit the company more in terms of asset liquidity, position control, and investment product balance statistics.

[0003] Risk indicators are statistical parameters used to measure risks. They can assist companies in quantifying and monitoring risks. The way risk indicators are generated is closely related to the efficiency of risk management. At present, the way risk indicators are generated is to determine the risk indicators that need to be regulated, analyze the business logic of each risk indicator one by one, and then combine the business transaction data and the business logic of each risk indicator to determine the component units and calculation methods of each risk indicator. The management method only focuses on the logic of the indicator itself and ignores the inherent connection between risk indicators. However, for accounting business, there is a correlation between the component units or operation logic required by one or more indicators. The management method that only focuses on the logic of the indicator itself will produce a certain degree of repeated information processing work, increase the workload and risk management cost of risk management. Therefore, how to quickly and cost-effectively determine risk indicators to ensure the efficiency and performance of risk management is a problem that needs to be solved urgently. Summary of the invention

[0004] The present invention provides a method, device, equipment, medium and product for determining project risk, which can be applied to the field of financial technology. It can quickly assemble target risk indicators for determining the risk situation of the project to be monitored, and then evaluate the risk of the project to be monitored. The elements in the operator library can be reused to avoid the parsing of repeated elements, improve the efficiency of generating risk indicators, and reduce the workload and cost of risk management.

[0005] According to one aspect of the present invention, a method for determining project risk is provided, the method comprising:

[0006] Upon receiving a risk management instruction, determining a project to be monitored and risk monitoring information of the project to be monitored based on the risk monitoring requirements contained in the risk management instruction, wherein the risk monitoring information includes at least one risk indicator to be monitored and a generation logic of at least one risk indicator to be monitored;

[0007] Based on the generation logic of at least one risk indicator to be monitored and a predetermined general operator library, determine the risk assessment information of the project to be monitored, wherein the risk assessment information includes at least one target risk indicator, and the number of the target risk indicators is not greater than the number of the risk indicators to be monitored;

[0008] Based on the calculation result of at least one target risk indicator, project risk information of the project to be monitored is determined.

[0009] According to another aspect of the present invention, a device for determining project risk is provided. The device for determining project risk is used to implement the method for determining project risk in any embodiment of the present invention. The device includes:

[0010] A first determination module is used to determine the project to be monitored and the risk monitoring information of the project to be monitored based on the risk monitoring requirements contained in the risk management instruction when receiving the risk management instruction, wherein the risk monitoring information includes at least one risk indicator to be monitored and at least one generation logic of the risk indicator to be monitored;

[0011] A second determination module is used to determine risk assessment information of the project to be monitored based on the generation logic of at least one risk indicator to be monitored and a predetermined general operator library, wherein the risk assessment information includes at least one target risk indicator, and the number of the target risk indicators is not greater than the number of the risk indicators to be monitored;

[0012] The risk determination module is used to determine the project risk information of the project to be monitored based on the calculation result of at least one target risk indicator.

[0013] According to another aspect of the present invention, there is provided an electronic device, the electronic device comprising:

[0014] at least one processor; and a memory communicatively coupled to the at least one processor;

[0015] The memory stores a computer program that can be executed by at least one processor, and the computer program is executed by at least one processor so that the at least one processor can execute the method for determining project risk in any embodiment of the present invention.

[0016] According to another aspect of the present invention, a computer-readable storage medium is provided, wherein the computer-readable storage medium stores computer instructions, and the computer instructions are used to implement the method for determining project risk in any embodiment of the present invention when executed by a processor.

[0017] According to another aspect of the present invention, a computer program product is provided. The computer program product includes a computer program. When the computer program is executed by a processor, the method for determining project risk according to any embodiment of the present invention is implemented.

[0018] The method for determining project risk of the present invention comprises: when receiving a risk management instruction, determining the project to be monitored and the risk monitoring information of the project to be monitored based on the risk monitoring requirements contained in the risk management instruction, the risk monitoring information includes at least one risk indicator to be monitored and the generation logic of at least one risk indicator to be monitored; determining the risk assessment information of the project to be monitored based on the generation logic of at least one risk indicator to be monitored and a predetermined general operator library, the risk assessment information includes at least one target risk indicator, the number of target risk indicators is not greater than the number of risk indicators to be monitored; determining the project risk information of the project to be monitored based on the calculation result of at least one target risk indicator. The technical scheme of the present invention can determine the risk monitoring information of the project to be monitored and the project to be monitored according to the risk monitoring requirements, and then combine the generation logic of each risk indicator to be monitored and the predetermined general operator library to quickly assemble the target risk indicator that can determine the risk situation of the project to be monitored, and then evaluate the risk of the project to be monitored, each element in the operator library can be reused, and there is no need to perform a large amount of repeated data processing work, thereby improving the generation efficiency and assembly cost of risk indicators, and reducing the workload and risk management cost of risk management. The problem that there is a correlation between the component units or operation logics required for one or more indicators in the prior art is solved. Only focusing on the logic of the indicator itself will ignore the internal connection between risk indicators, resulting in a certain degree of repeated information processing, increasing the workload and cost of risk management, and other problems.

[0019] It should be understood that the contents described in this section are not intended to identify the key or important features of the embodiments of the present invention, nor are they intended to limit the scope of the present invention. Other features of the present invention will become easily understood through the following description. BRIEF DESCRIPTION OF THE DRAWINGS

[0020] In order to more clearly illustrate the technical solutions in the present invention, the accompanying drawings required for use in the description of the embodiments will be briefly introduced below. Obviously, the accompanying drawings described below are only some embodiments of the present invention. For ordinary technicians in this field, other accompanying drawings can be obtained based on these accompanying drawings without paying creative work.

[0021] Figure 1 It is a flow chart of a method for determining project risk provided by the present invention;

[0022] Figure 2 It is a structural schematic diagram of another device for determining project risk provided by the present invention;

[0023] Figure 3 It is a schematic diagram of an indicator determination process provided by the present invention;

[0024] Figure 4It is a structural schematic diagram of a device for determining project risk provided by the present invention;

[0025] Figure 5 It is a structural schematic diagram of an electronic device provided by the present invention. DETAILED DESCRIPTION

[0026] In order to enable those skilled in the art to better understand the solution of the present invention, the technical solution of the present invention will be clearly and completely described below in conjunction with the drawings of the present invention. Obviously, the described embodiments are only part of the embodiments of the present invention, not all of the embodiments. Based on the embodiments of the present invention, all other embodiments obtained by ordinary technicians in this field without creative work should fall within the scope of protection of the present invention.

[0027] It should be noted that the terms "first", "second", "initial", "candidate", "intermediate", "target", "alternative", etc. in the specification and claims of the present invention 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 invention described herein can be implemented in an order other than those illustrated or described herein. In addition, the terms "including" and "having" and any variations thereof are intended to cover non-exclusive inclusions, for example, a process, method, system, product or device that includes a series of steps or units is not necessarily limited to those steps or units that are clearly listed, but may include other steps or units that are not clearly listed or inherent to these processes, methods, products or devices.

[0028] Figure 1 This is a flow chart of a method for determining project risk provided by the present invention. This embodiment can be applied to the situations of assembling risk indicators quickly and at low cost, determining risk information of projects efficiently, simply and with low consumption, etc. This method can be executed by the device for determining project risk provided by the present invention. The device can be implemented in the form of hardware and / or software. In a specific embodiment, the device can be integrated in an electronic device. The following embodiments will be described by taking the device integrated in an electronic device as an example. Figure 1 , the method specifically comprises the following steps:

[0029] S101. When a risk management instruction is received, a project to be monitored and risk monitoring information of the project to be monitored are determined based on a risk monitoring requirement included in the risk management instruction.

[0030] Good risk assessment and management capabilities can prevent risks in the company's financial management system to a certain extent, block business operation risks, and are beneficial to the company's asset liquidity, position control, investment balance statistics, etc. Taking securities companies as an example, different securities projects require different risk indicators to be paid attention to. Companies with risk management needs can also be other financial companies such as banks, and the present invention does not limit this.

[0031] Risk management instructions can be understood as management instructions for one or more securities projects triggered by risk regulators. Risk supervision requirements can be understood as detailed project information of securities projects that require risk management, which can be used to determine projects to be monitored and their risk monitoring information. Projects to be monitored can be understood as securities projects that require risk calculation and management. Risk monitoring information can be understood as risk assessment items of projects to be monitored (i.e., risk indicators to be monitored) and assessment principles of risk assessment items (i.e., generation logic of risk indicators to be monitored). The generation logic of risk indicators to be monitored is a business logic used to determine the operators (i.e., constituent units) of risk indicators to be monitored, the weights of each operator, and the combination method. Since the risk assessment work of a project requires comprehensive information, that is, multi-dimensional information solution is required, the risk monitoring information includes at least one risk indicator to be monitored and at least one generation logic of risk indicators to be monitored, which is used to ensure the quality and accuracy of risk assessment.

[0032] The present invention provides two methods for determining risk monitoring information. Specifically, the risk indicators to be monitored of the project to be monitored can be set in advance, or can be determined based on the indicator information of the project to be monitored related to the risk monitoring requirements. This ensures both the efficiency of determining the risk indicators and the comprehensiveness and completeness of the risk indicators, thereby improving the risk assessment performance of the project.

[0033] Exemplarily, the risk indicators of securities project 1 include indicator A1, indicator A2, indicator A3 and indicator A4, the generation logic of indicator A1 is logic A1, the generation logic of indicator A2 is logic A2, the generation logic of indicator A3 is logic A3, and the generation logic of indicator A4 is logic A4; the risk indicators of securities project 2 include indicator B1, indicator B2, indicator B3 and indicator B4, the generation logic of indicator B1 is logic B1, the generation logic of indicator B2 is logic B2, the generation logic of indicator B3 is logic B3, and the generation logic of indicator B4 is logic B4; the risk indicators of securities project 3 include indicator C1, indicator C2, indicator C3 and indicator C4, the generation logic of indicator C1 is logic C1, the generation logic of indicator C2 is logic C2, the generation logic of indicator C3 is logic C3, and the generation logic of indicator C4 is logic C4. Assuming that the risk monitoring requirements indicate that the projects that need to be risk assessed are securities project 1 and securities project 3, the projects to be monitored are determined to be securities project 1 and securities project 3, the risk indicators to be monitored of securities project 1 are indicator A1, indicator A2, indicator A3 and indicator A4, and the generation logic of the risk indicators to be monitored is logic A1, logic A2, logic A3 and logic A4 corresponding to indicators A1, indicator A2, indicator A3 and indicator A4; the risk indicators to be monitored of securities project 3 are indicator C1, indicator C2, indicator C3 and indicator C4, and the generation logic of the risk indicators to be monitored is logic C1, logic C2, logic C3 and logic C4 corresponding to indicators C1, indicator C2, indicator C3 and indicator C4.

[0034] S102: Determine risk assessment information of the project to be monitored based on the generation logic of at least one risk indicator to be monitored and a predetermined general operator library.

[0035] The risk assessment information includes at least one target risk indicator. The target risk indicator can be understood as an indicator used to determine the risk of the project to be monitored. Generally, with the changes in usage scenarios and application scenarios, the indicators used to determine the risk of the project to be monitored will change to a certain extent, that is, not all risk indicators to be monitored need to be solved. In order to improve the efficiency of risk assessment, some indicators that are not closely related to project risks can be omitted. The target risk indicator can be understood as a risk indicator that needs to be calculated and has a greater relationship with project risks. Therefore, the number of target risk indicators is not greater than the number of risk indicators to be monitored. Specifically, the target risk indicator is an indicator that has been processed (i.e., the operator has been spliced).

[0036] Assuming that the necessary risk indicators of securities project 1 in the current usage scenario are indicator A1 and indicator A2, the risk assessment information of securities project 1 is determined to be indicator A1 and indicator A2 after the operators are spliced. The operator splicing method of the indicator includes: determining the operator and operator combination method of the indicator based on the generation logic of the indicator, searching for the operator in the general operator, and combining them according to the operator combination method. The operators in the operator library can be reused, using the underlying accounting subjects as operators, and using the "building blocks" method to "build" various risk indicators in the financial management process, which can avoid a lot of repeated data processing work, thereby saving manpower and improving efficiency.

[0037] Optionally, a general operator library is determined, including: determining a historical risk indicator set and historical accounting data of the project to be monitored, the historical risk indicator set includes at least one historical risk indicator, the historical risk indicator is a risk calculation indicator of the risk regulator, which is equivalent to coordinating all risk calculation indicators within the enterprise to ensure the comprehensiveness of the risk indicators, and the historical accounting data is the accounting data of the project to be monitored within a preset time period (which can be set according to the business solution logic, including but not limited to one month, three months and half a year); parsing the general calculation elements of at least one historical risk indicator to obtain candidate operator information, the candidate operator information includes multiple general calculation elements, which almost covers the smallest component units of all risk indicators of the enterprise, aiming to build a comprehensive operator library; based on the candidate operator information and historical accounting data, a general operator library is obtained, the general operator library includes at least one business operator, and the business operator can be understood as operator information containing accounting data, which can be directly used to solve the data values ​​of each operator.

[0038] The operator of the present invention is obtained by extracting the accounting data of the basic account. Compared with the transaction details, the operator obtained in this way is more accurate and visible to the business. Therefore, the operator of the present invention has transparent visibility to the business personnel, the business personnel can understand the calculated data well, and the accuracy and interpretability of the results are stronger.

[0039] Specifically, users can select corresponding operators according to the business meaning of the indicators, assemble operators by building "building blocks" (i.e. operators), and then combine them into indicators for calculation, thereby evaluating project risks. It is worth noting that indicators that have been combined can be used directly, and indicators that have not been combined can be added by building "building blocks" for use in transaction calculations.

[0040] The operators include bond market value, bond face value, fund market value, fund shares, total portfolio assets, portfolio net assets, bond duration, position, derivative market value, repurchase scale, reverse repurchase scale, investment product market value, investment product quantity, etc., which are not limited in this embodiment.

[0041] Furthermore, the operator includes a numerator operator and a denominator operator. The elements at different positions of the indicators of the numerator operator and the denominator operator are determined in the same way. Of course, two operator libraries can be constructed separately according to the characteristics of the numerator operator and the denominator operator, and the operators can be determined in parallel to improve the efficiency of indicator combination.

[0042] Table 1 is an association relationship between an indicator and an operator provided by the present invention. From Table 1, the constituent elements of indicator A can be seen. The weight and combination method of each operator are not shown in the table and can be determined according to the indicator generation logic.

[0043] Table 1

[0044] Indicator A Operator Molecular Operator Bond market value, fund market value, project face value Denominator operator Total portfolio assets

[0045] S103: Determine the project risk information of the project to be monitored based on the calculation result of at least one target risk indicator.

[0046] The project risk information of the project to be monitored is used to indicate the risk level of the project to be monitored, including low risk level, high risk level, moderate risk level, diagnostic logic of each risk result and investment suggestions, which is used to assist users or enterprises in risk management. For example, projects with low risk levels can increase investment, and projects with high risk levels are not recommended for investment. Specifically, determining the project risk information of the project to be monitored based on the calculation results of at least one target risk indicator can be understood as calculating the risk value of each target risk indicator, and comprehensively determining the risk level of the project based on the calculated risk value. For example, the calculation results of each indicator indicate that the investment risk of a low-risk project is low, and the calculation results of the key indicators indicate that the investment risk of a high-risk project is high.

[0047] It is worth noting that the existing indicator determination method only focuses on the logic of the indicator itself and ignores the internal connection between risk indicators. However, for accounting, the numerator or denominator data required by one or more indicators uses the same accounting processing method on the accounting account. In order to avoid repeated processing of the same data, the present invention parses the account data and risk indicators in advance, extracts the general accounting statistical logic as a building block "operator", and reduces repeated data processing work and reduces the amount of data processing by reusing operators through indicators; secondly, the account data used in the present invention is mature and accurate accounting data, not detailed data of the transaction system, which can improve the accuracy of the operator and thus improve the accuracy of risk assessment work.

[0048] The technical solution of the above embodiment can determine the project to be monitored and the risk monitoring information of the project to be monitored according to the risk monitoring requirements, and then combine the generation logic of each risk indicator to be monitored and the pre-determined general operator library to quickly assemble the target risk indicator that can determine the risk situation of the project to be monitored, and then evaluate the risk of the project to be monitored. Each element in the operator library can be reused, and there is no need to perform a large amount of repeated data processing work, which improves the generation efficiency and assembly cost of risk indicators, and reduces the workload and cost of risk management. The problem that there is an association between the component units or operation logics required by one or more indicators in the prior art, and only focusing on the logic of the indicator itself will ignore the internal connection between the risk indicators, resulting in a certain degree of repeated information processing work, increasing the workload and cost of risk management.

[0049] Figure 2 This is a flow chart of another method for determining project risk provided by the present invention. This embodiment can be applied to the situations of assembling risk indicators quickly and at low cost, determining risk information of projects efficiently, simply and with low consumption, etc. This method can be executed by the device for determining project risk provided by the present invention. The device can be implemented in the form of hardware and / or software. In a specific embodiment, the device can be integrated in an electronic device. The following embodiments will be described by taking the device integrated in an electronic device as an example. Figure 2 , the method specifically comprises the following steps:

[0050] S201. When a risk management instruction is received, determine a project to be monitored and risk monitoring information of the project to be monitored based on a risk monitoring requirement included in the risk management instruction.

[0051] Similarly, the risk management instruction is a management instruction for one or more securities projects triggered by the risk regulator. The risk supervision requirement is the detailed project information of the securities projects that need to be risk managed, which is used to determine the projects to be monitored and their risk monitoring information. The projects to be monitored are securities projects that need to be risk calculated and managed. The risk monitoring information can be understood as the risk assessment items of the projects to be monitored (i.e., the risk indicators to be monitored) and the assessment principles of the risk assessment items (i.e., the generation logic of the risk indicators to be monitored). The generation logic of the risk indicators to be monitored is used to determine the operators of the risk indicators to be monitored, the weights of each operator and the combination method. The risk monitoring information includes at least one risk indicator to be monitored and at least one generation logic of the risk indicator to be monitored, which is used to ensure the quality and accuracy of the risk assessment.

[0052] S202: Determine candidate monitoring information based on the generation logic of at least one risk indicator to be monitored and a general operator library.

[0053] Among them, the candidate monitoring information includes at least one candidate risk indicator. The candidate risk indicators correspond to the risk indicators to be monitored one by one. The candidate risk indicator can be understood as the risk indicator to be monitored after the operator is selected from the operator library for combination. The necessity analysis of this indicator has not been carried out. Therefore, the number of candidate risk indicators is the same as the number of risk indicators to be monitored.

[0054] Optionally, for any risk indicator to be monitored, based on the generation logic of the risk indicator to be monitored and the general operator library, determine the candidate risk indicator, including: based on the generation logic of the risk indicator to be monitored, determine the numerator operator identifier, denominator operator identifier, numerator operator combination method and denominator operator combination method of the risk indicator to be monitored; based on the numerator operator identifier, denominator operator identifier and the general operator library, determine the numerator operator and denominator operator of the risk indicator to be monitored; based on the numerator operator, denominator operator, numerator operator combination method and denominator operator combination method, determine the candidate risk indicator.

[0055] Among them, the numerator operator identifier can be understood as the name, number and other personalized information of the numerator operator, which is used to select the operator from the operator library. Similarly, the denominator operator identifier is the name, number and other personalized information of the denominator operator. The numerator operator combination method can be used to represent the weight and position information of each numerator operator in the indicator, and the denominator operator combination method can be used to represent the weight and position information of each denominator operator in the indicator. Multiple information complement each other, and the indicators can be obtained by combining each operator.

[0056] For example, assuming that the numerator operators of indicator 1 include operator 1, operator 2 and operator 3, the denominator operator is operator 4, the weights of operator 1, operator 2 and operator 3 are all 1, and the combination method is accumulation, then indicator 1 = (operator 1 + operator 2 + operator 3) / operator 4.

[0057] Furthermore, when a numerator operator identifier and / or a denominator operator identifier exists in the general operator library, matching is performed in the general operator library based on the numerator operator identifier and / or the denominator operator identifier to obtain the numerator operator and / or the denominator operator; when the numerator operator identifier and / or the denominator operator identifier does not exist in the general operator library, the historical account data is processed based on the operator generation rule corresponding to the numerator operator identifier and / or the operator generation rule corresponding to the denominator operator identifier to obtain the numerator operator and / or the denominator operator.

[0058] The purpose of this setting is to provide a method for determining new operators, so as to avoid the risk indicator combination work being suspended due to the presence of unexpected operators in the operator library in the indicator, thereby affecting the risk assessment work of the project. Secondly, after the new operator is generated, the present invention will add it to the operator library for subsequent use.

[0059] Figure 3 is a schematic diagram of an indicator determination process provided by the present invention, from Figure 3As can be seen from the figure, the indicator determination process includes four processes: front-end definition of general operators, data transmission, assembly of indicators, and then front-end configuration of indicators for calculation. Assembly of indicators includes general operator implementation (i.e. selection of general operators), indicator assembly (equivalent to operator combination), and indicator storage (equivalent to recording). The assembled indicators are placed in the indicator library to facilitate business use and configuration, and to quickly perform risk calculations when trading.

[0060] S203: Based on the project type of the project to be monitored, at least one candidate risk indicator is processed to obtain risk assessment information.

[0061] Among them, the project type of the project to be monitored can indicate the usage environment and application scenario of the project. Not all risk indicators to be monitored need to be solved. As the usage scenarios and application scenarios change, the indicators used to determine the risks of the project to be monitored will change to a certain extent. In order to improve the efficiency of risk assessment, some indicators that are not closely related to project risks may not be calculated. The project type of the project to be monitored can be used to screen necessary indicators among the candidate risk indicators, namely, target risk indicators. Therefore, the number of target risk indicators is not greater than the number of risk indicators to be monitored, and the risk assessment information includes at least one target risk indicator.

[0062] In one embodiment, S203 may specifically include: determining the necessary monitoring indicators corresponding to the risk information of the project to be monitored based on the project type; based on the necessary monitoring indicators, screening at least one candidate risk indicator to obtain at least one target risk indicator, and the number of target risk indicators is not greater than the number of candidate risk indicators.

[0063] For example, assuming that the risk indicators of securities project 1 include indicator A1, indicator A2, indicator A3 and indicator A4, but the project type indicates that the necessary risk indicators of securities project 1 in the current usage scenario are indicator A1 and indicator A2, then the target risk indicators of securities project 1 are determined to be indicator A1 and indicator A2.

[0064] S204: Determine the project risk information of the project to be monitored based on the calculation result of at least one target risk indicator.

[0065] Similarly, the project risk information of the project to be monitored is used to indicate the risk level of the project to be monitored, including low risk level, high risk level, moderate risk level, diagnostic logic of each risk result and investment suggestions, to assist users or enterprises in risk management. For example, projects with low risk levels can increase investment, and projects with high risk levels are not recommended for investment. Specifically, determining the project risk information of the project to be monitored based on the calculation results of at least one target risk indicator can be understood as calculating the risk value of each target risk indicator, and comprehensively determining the risk level of the project based on the calculated risk value. For example, the calculation results of each indicator indicate that the investment risk of a low-risk project is low, and the calculation results of the key indicators indicate that the investment risk of a high-risk project is high.

[0066] The technical scheme of the above embodiment can determine the risk monitoring information of the project to be monitored and the project to be monitored according to the risk monitoring requirements, and then combine the generation logic of each risk indicator to be monitored and the pre-determined general operator library to quickly assemble the target risk indicator that can determine the risk situation of the project to be monitored, and then evaluate the risk of the project to be monitored. Each element in the operator library can be reused, and there is no need to perform a large amount of repeated data processing work, which improves the generation efficiency and assembly cost of the risk indicator, and reduces the workload and risk management cost of risk management. It solves the problem that there is a correlation between the component units or operation logics required by one or more indicators in the prior art, and only focusing on the logic of the indicator itself will ignore the inherent connection between the risk indicators, resulting in a certain degree of repeated information processing work, increasing the workload and risk management cost of risk management. The scheme of the present invention has a good gain effect on the risk control of the enterprise. On the one hand, the risk indicator can be assembled by the operator, and then the calculation results of each risk indicator can be tested, which improves the degree of freedom of the business, and the data processed by accounting is more in line with the use scenario of the business, and the risk assessment performance is good. On the other hand, it saves manpower, improves the efficiency of evaluation work, and reduces the cost of risk management.

[0067] Figure 4 Schematic diagram of a device for determining project risk provided by the present invention. Figure 4 As shown, the device includes: a first determination module 301, a second determination module 302 and a risk determination module 303.

[0068] The first determination module 301 is used to determine the project to be monitored and the risk monitoring information of the project to be monitored based on the risk monitoring requirements contained in the risk management instruction when a risk management instruction is received, wherein the risk monitoring information includes at least one risk indicator to be monitored and at least one generation logic of the risk indicator to be monitored.

[0069] The second determination module 302 is used to determine the risk assessment information of the project to be monitored based on the generation logic of at least one risk indicator to be monitored and a predetermined general operator library, wherein the risk assessment information includes at least one target risk indicator, and the number of target risk indicators is not greater than the number of risk indicators to be monitored.

[0070] The risk determination module 303 is used to determine the project risk information of the project to be monitored based on the calculation result of at least one target risk indicator.

[0071] Optionally, the device for determining project risk also includes an operator generation module, which is used to determine a historical risk indicator set and historical account data of the project to be monitored, the historical risk indicator set includes at least one historical risk indicator, the historical risk indicator is a risk calculation indicator of the risk regulator, and the historical account data is the account data of the project to be monitored within a preset time period; parse the general computing elements of at least one historical risk indicator to obtain candidate operator information; based on the candidate operator information and the historical account data, obtain a general operator library, the general operator library includes at least one business operator.

[0072] Optionally, the second determination module 302 is specifically used to determine candidate monitoring information based on the generation logic and general operator library of at least one risk indicator to be monitored, wherein the candidate monitoring information includes at least one candidate risk indicator, and the candidate risk indicators and the risk indicators to be monitored correspond one to one; based on the project type of the project to be monitored, at least one candidate risk indicator is processed to obtain risk assessment information.

[0073] Optionally, for any risk indicator to be monitored, the second determination module 302 is specifically used to determine the candidate risk indicator based on the generation logic of the risk indicator to be monitored and the general operator library. That is, based on the generation logic of the risk indicator to be monitored, determine the numerator operator identifier, denominator operator identifier, numerator operator combination method and denominator operator combination method of the risk indicator to be monitored; based on the numerator operator identifier, denominator operator identifier and the general operator library, determine the numerator operator and denominator operator of the risk indicator to be monitored; based on the numerator operator, denominator operator, numerator operator combination method and denominator operator combination method, determine the candidate risk indicator.

[0074] Optionally, the second determination module 302 is specifically used to, when a numerator operator identifier and / or a denominator operator identifier exists in the general operator library, perform matching in the general operator library based on the numerator operator identifier and / or the denominator operator identifier to obtain the numerator operator and / or the denominator operator; when the numerator operator identifier and / or the denominator operator identifier does not exist in the general operator library, process the historical account data based on the operator generation rule corresponding to the numerator operator identifier and / or the operator generation rule corresponding to the denominator operator identifier to obtain the numerator operator and / or the denominator operator.

[0075] Optionally, the second determination module 302 is specifically used to determine the necessary monitoring indicators corresponding to the risk information of the project to be monitored based on the project type; based on the necessary monitoring indicators, screen at least one candidate risk indicator to obtain at least one target risk indicator, wherein the number of target risk indicators is not greater than the number of candidate risk indicators.

[0076] The device for determining project risk provided in the above-mentioned embodiments can execute the method for determining project risk provided in any embodiment of the present invention, and has the corresponding functional modules and beneficial effects of the execution method.

[0077] Figure 5 : is a schematic diagram of the structure of an electronic device provided by the present invention. The electronic device is intended to represent various forms of digital computers, such as laptop computers, desktop computers, workbenches, personal digital assistants, servers, blade servers, mainframe computers, and other suitable computers. The electronic device may also represent various forms of mobile devices, such as personal digital processing, cellular phones, smart phones, wearable devices (such as helmets, glasses, watches, etc.) and other similar computing devices. The components shown herein, their connections and relationships, and their functions are merely examples and are not intended to limit the implementation of the present invention described and / or required herein.

[0078] like Figure 5 As shown, the electronic device 10 includes at least one processor 11, and a memory connected to the at least one processor 11, such as a read-only memory (ROM) 12, a random access memory (also called random access memory, RAM) 13, etc., wherein the memory stores a computer program that can be executed by at least one processor, and the processor 11 can perform various appropriate actions and processes according to the computer program stored in the read-only memory (ROM) 12 or the computer program loaded from the storage unit 18 to the random access memory (RAM) 13. In the RAM 13, various programs and data required for the operation of the electronic device 10 can also be stored. The processor 11, ROM 12 and RAM 13 are connected to each other through a bus 14. An input / output (I / O) interface 15 is also connected to the bus 14.

[0079] A number of components in the electronic device 10 are connected to the I / O interface 15, including: an input unit 16, such as a keyboard, a mouse, etc.; an output unit 17, such as various types of displays, speakers, etc.; a storage unit 18, such as a disk, an optical disk, etc.; and a communication unit 19, such as a network card, a modem, a wireless communication transceiver, etc. The communication unit 19 allows the electronic device 10 to exchange information / data with other devices through a computer network such as the Internet and / or various telecommunication networks.

[0080] The processor 11 may be a variety of general and / or special processing components with processing and computing capabilities. Some examples of the processor 11 include, but are not limited to, a central processing unit (CPU), a graphics processing unit (GPU), various special artificial intelligence (AI) computing chips, various processors running machine learning model algorithms, a digital signal processor (DSP), and any appropriate processor, controller, microcontroller, etc. The processor 11 executes the various methods and processes described above, such as a method for determining project risks.

[0081] In some embodiments, the method for determining project risk may be implemented as a computer program, which is tangibly contained in a computer-readable storage medium, such as a storage unit 18. In some embodiments, part or all of the computer program may be loaded and / or installed on the electronic device 10 via the ROM 12 and / or the communication unit 19. When the computer program is loaded into the RAM 13 and executed by the processor 11, one or more steps of the method for determining project risk described above may be performed. Alternatively, in other embodiments, the processor 11 may be configured to execute the method for determining project risk in any other appropriate manner (e.g., by means of firmware).

[0082] Various embodiments of the systems and techniques described above herein can be implemented in digital electronic circuit systems, integrated circuit systems, field programmable gate arrays (FPGAs), application specific integrated circuits (ASICs), application specific standard products (ASSPs), systems on chips (SOCs), load programmable logic devices (CPLDs), computer hardware, firmware, software, and / or combinations thereof. These various embodiments may include: being implemented in one or more computer programs that can be executed and / or interpreted on a programmable system including at least one programmable processor, which can be a special purpose or general purpose programmable processor that can receive data and instructions from a storage system, at least one input device, and at least one output device, and transmit data and instructions to the storage system, the at least one input device, and the at least one output device.

[0083] Computer programs for implementing the methods of the present invention may be written in any combination of one or more programming languages. These computer programs may be provided to a processor of a general-purpose computer, a special-purpose computer, or other programmable data processing device, so that when the computer program is executed by the processor, the functions / operations specified in the flow chart and / or block diagram are implemented. The computer program may be executed entirely on the machine, partially on the machine, partially on the machine and partially on a remote machine as a stand-alone software package, or entirely on a remote machine or server.

[0084] In the context of the present invention, a computer-readable storage medium may be a tangible medium that may contain or store a computer program for use by or in conjunction with an instruction execution system, device, or equipment. A computer-readable storage medium may include, but is not limited to, an electronic, magnetic, optical, electromagnetic, infrared, or semiconductor system, device, or equipment, or any suitable combination of the foregoing. Alternatively, a computer-readable storage medium may be a machine-readable signal medium. A more specific example of a machine-readable storage medium may include an electrical connection based on one or more lines, a portable computer disk, a hard disk, a random access memory (RAM), a read-only memory (ROM), an erasable programmable read-only memory (EPROM or flash memory), an optical fiber, a portable compact disk read-only memory (CD-ROM), an optical storage device, a magnetic storage device, or any suitable combination of the foregoing.

[0085] To provide interaction with a user, the systems and techniques described herein may be implemented on an electronic device having: a display device (e.g., a CRT (cathode ray tube) or LCD (liquid crystal display) monitor) for displaying information to the user; and a keyboard and a pointing device (e.g., a mouse or trackball) through which the user can provide input to the electronic device. Other types of devices may also be used to provide interaction with the user; for example, the feedback provided to the user may be any form of sensory feedback (e.g., visual feedback, auditory feedback, or tactile feedback); and input from the user may be received in any form (including acoustic input, voice input, or tactile input).

[0086] The systems and techniques described herein can be implemented in a computing system that includes backend components (e.g., as a data server) or a computing system that includes middleware components (e.g., an application server) or a computing system that includes frontend components (e.g., a user computer with a graphical user interface or a web browser through which a user can interact with implementations of the systems and techniques described herein) or a computing system that includes any combination of such backend components, middleware components, or frontend components. The components of the system can be interconnected by any form or medium of digital data communication (e.g., a communication network). Examples of communication networks include: a local area network (LAN), a wide area network (WAN), a blockchain network, and the Internet.

[0087] A computing system may include a client and a server. The client and the server are generally remote from each other and usually interact through a communication network. The client and server relationship is generated by computer programs running on the corresponding computers and having a client-server relationship with each other. The server may be a cloud server, also known as a cloud computing server or cloud host, which is a host product in the cloud computing service system to solve the defects of difficult management and weak business scalability in traditional physical hosts and VPS services.

[0088] In one embodiment, the present invention further includes a computer program product, the computer program product including a computer program, and the computer program implements the method for determining project risk of any embodiment of the present invention when executed by a processor.

[0089] In the process of implementation, the computer program product can be written in one or more programming languages ​​or a combination thereof to perform the computer program code of the present invention, including object-oriented programming languages, such as Java, Smalltalk, C++, and conventional procedural programming languages, such as "C" language or similar programming languages. The program code can be executed entirely on the user's computer, partially on the user's computer, as a separate software package, partially on the user's computer and partially on a remote computer, or entirely on a remote computer or server. In the case of a remote computer, the remote computer can be connected to the user's computer through any type of network, including a local area network (LAN) or a wide area network (WAN), or can be connected to an external computer (for example, using an Internet service provider to connect through the Internet).

[0090] It should be understood that the various forms of processes shown above can be used to reorder, add or delete steps. For example, the steps described in the present invention can be executed in parallel, sequentially or in different orders, as long as the desired results of the technical solution of the present invention can be achieved, and this document does not limit this.

[0091] The above specific implementations do not constitute a limitation on the protection scope of the present invention. It should be understood by those skilled in the art that various modifications, combinations, sub-combinations and substitutions can be made according to design requirements and other factors. Any modification, equivalent substitution and improvement made within the spirit and principle of the present invention should be included in the protection scope of the present invention.

Claims

1. A method for determining project risk, characterized in that: include: Upon receiving a risk management instruction, determining a project to be monitored and risk monitoring information of the project to be monitored based on the risk monitoring requirements contained in the risk management instruction, wherein the risk monitoring information includes at least one risk indicator to be monitored and a generation logic of the at least one risk indicator to be monitored; Based on the generation logic of the at least one risk indicator to be monitored and a predetermined general operator library, determine the risk assessment information of the project to be monitored, wherein the risk assessment information includes at least one target risk indicator, and the number of the target risk indicators is not greater than the number of the risk indicators to be monitored; Based on the calculation result of the at least one target risk indicator, the project risk information of the project to be monitored is determined.

2. The method according to claim 1, characterized in that Determine the general operator library, including: Determine a historical risk indicator set and historical account data of the project to be monitored, wherein the historical risk indicator set includes at least one historical risk indicator, the historical risk indicator is a risk calculation indicator of the risk supervisor, and the historical account data is the account data of the project to be monitored within a preset time period; Parsing the common computing elements of the at least one historical risk indicator to obtain candidate operator information; Based on the candidate operator information and the historical account data, the general operator library is obtained, wherein the general operator library includes at least one business operator.

3. The method according to claim 1, characterized in that The step of determining the risk assessment information of the project to be monitored based on the generation logic of the at least one risk indicator to be monitored and a predetermined general operator library includes: Determine candidate monitoring information based on the generation logic of the at least one risk indicator to be monitored and the general operator library, wherein the candidate monitoring information includes at least one candidate risk indicator, and the candidate risk indicator corresponds to the risk indicator to be monitored one by one; Based on the project type of the project to be monitored, the at least one candidate risk indicator is processed to obtain the risk assessment information.

4. The method according to claim 3, characterized in that For any risk indicator to be monitored, based on the generation logic of the risk indicator to be monitored and the general operator library, determining a candidate risk indicator includes: Based on the generation logic of the risk indicator to be monitored, determine the numerator operator identifier, denominator operator identifier, numerator operator combination method and denominator operator combination method of the risk indicator to be monitored; Determine the numerator operator and the denominator operator of the risk indicator to be monitored based on the numerator operator identifier, the denominator operator identifier and the universal operator library; The candidate risk indicator is determined based on the numerator operator, the denominator operator, the numerator operator combination method and the denominator operator combination method.

5. The method according to claim 4, characterized in that The determining the numerator operator and the denominator operator of the risk indicator to be monitored based on the numerator operator identifier, the denominator operator identifier and the universal operator library includes: When the numerator operator identifier and / or the denominator operator identifier exists in the general operator library, matching is performed in the general operator library based on the numerator operator identifier and / or the denominator operator identifier to obtain the numerator operator and / or the denominator operator; When the numerator operator identifier and / or the denominator operator identifier does not exist in the general operator library, the historical account data is processed based on the operator generation rule corresponding to the numerator operator identifier and / or the operator generation rule corresponding to the denominator operator identifier to obtain the numerator operator and / or the denominator operator.

6. The method according to claim 3, characterized in that The step of processing the at least one candidate risk indicator based on the project type of the project to be monitored to obtain the risk assessment information includes: Based on the project type, determining necessary monitoring indicators corresponding to the risk information of the project to be monitored; Based on the necessary monitoring indicator, the at least one candidate risk indicator is screened to obtain at least one target risk indicator, wherein the number of the target risk indicators is not greater than the number of the candidate risk indicators.

7. A device for determining project risk, characterized in that: A method for determining project risk according to any one of claims 1 to 6, wherein the device for determining project risk comprises: A first determination module is used to determine, upon receiving a risk management instruction, a project to be monitored and risk monitoring information of the project to be monitored based on a risk monitoring requirement contained in the risk management instruction, wherein the risk monitoring information includes at least one risk indicator to be monitored and a generation logic of the at least one risk indicator to be monitored; A second determination module is used to determine the risk assessment information of the project to be monitored based on the generation logic of the at least one risk indicator to be monitored and a predetermined general operator library, wherein the risk assessment information includes at least one target risk indicator, and the number of the target risk indicators is not greater than the number of the risk indicators to be monitored; The risk determination module is used to determine the project risk information of the project to be monitored based on the calculation result of the at least one target risk indicator.

8. An electronic device, characterized in that: The electronic device comprises: at least one processor; and a memory communicatively coupled to the at least one processor; The memory stores a computer program executable by the at least one processor, and the computer program is executed by the at least one processor so that the at least one processor can execute the method for determining project risks described in any one of claims 1 to 6.

9. A computer-readable storage medium, characterized in that: The computer-readable storage medium stores computer instructions, and the computer instructions are used to enable a processor to implement the method for determining project risks described in any one of claims 1 to 6 when executed.

10. A computer program product, comprising a computer program, characterized in that When the computer program is executed by a processor, the computer program implements the method for determining project risk according to any one of claims 1 to 6.

Images