Real-time valuation method and device for asset aperture consistency and electronic equipment

Abstract

The embodiment of the invention provides a real-time evaluation method and device for asset aperture consistency and electronic equipment. The method comprises the steps of obtaining static data of bank financial management sub-industry assets; aligning the static data with the transaction data; querying the position and investment portfolio data and transaction and operation data of the current continued product in the sub-industry assets, and determining a daily final estimated value; determining reference data of the next day corresponding to the current date according to the daily final estimated value; updating the date of the product configuration table of the sub-industry assets based on the current date; generating non-transaction data according to the announcement and the information data based on the reference data; setting the financial management product as an aggregation root, and combining the position and investment portfolio data and the transaction and operation data of the day before the current date to obtain an initialized aggregation root event model; and performing valuation calculation according to the business processing event and the initialized aggregation root event model to obtain a valuation processing result. According to the method, real-time evaluation of asset caliber consistency can be realized.

Description

Technical Field

[0001] The present invention relates to the technical field of real-time asset valuation, and in particular to a real-time valuation method, device and electronic equipment for consistent asset caliber. Background Art

[0002] Real-time valuation systems are mainly used for the valuation of investment funds, stocks and other financial assets. They can dynamically calculate and display the estimated value of financial assets according to market changes. In the financial industry, especially for bank wealth management subsidiaries, accurate valuation of assets is a key factor in ensuring the authenticity and accuracy of business processes. However, with the development of financial markets and the diversification of financial products, asset management institutions are facing increasingly complex asset portfolio management challenges. Past valuation methods face difficulties such as large business volume, complex business types, and cumbersome valuation processes.

[0003] Most existing valuation systems can only perform scheduled valuation tasks at the end of the day. Such centralized processing methods have high hardware requirements. At the same time, as the number of products increases, the time for a single end-of-day valuation is also increasing, and the asset caliber consistency of the final valuation results is not good, making it impossible to perform risk control in a timely manner. The existing technology provides a real-time valuation method for fund assets based on distributed data streams, but this method is only for funds and has a limited scope of application, and cannot achieve the purpose of real-time valuation. Summary of the invention

[0004] The purpose of the present invention is to provide a real-time valuation method, device and electronic equipment for asset caliber consistency, so as to alleviate the technical problems that the existing technology has a narrow scope of application and cannot well achieve the purpose of real-time valuation, so as to be applicable to the asset valuation of various bank wealth management sub-industries and realize real-time valuation with asset caliber consistency.

[0005] In a first aspect, an embodiment of the present invention provides a real-time valuation method for asset caliber consistency, including: obtaining static data of multiple bank wealth management sub-industry assets; the above static data includes: information data, market data and valuation configuration data of the above sub-industry assets; aligning the above static data with the transaction data of a preset Cuntou system; and querying the holdings and investment portfolio data and transaction and operation data of the current continuing products in the above sub-industry assets from a preset database; determining the end-of-day valuation of the above sub-industry assets based on the above holdings and investment portfolio data and the above transaction and operation data; determining the benchmark data of the next day corresponding to the current date based on the above end-of-day valuation; and based on the above current date, updating the date of the product configuration table of the above sub-industry assets to the next day after the above current date; based on the above benchmark data, generating non-transaction data based on the announcements and information data of the above bank wealth management sub-industry assets; setting a preset type of wealth management product as an aggregate root, and combining the holdings and investment portfolio data and the above transaction and operation data of the day before the current date to obtain an initialized aggregate root event model and send it to a preset message queue; based on the above message queue, performing valuation calculation according to the business processing event and the above initialized aggregate root event model to obtain a valuation processing result.

[0006] In a preferred embodiment of the present invention, after the step of acquiring static data of assets of various bank wealth management sub-industries, the method includes: loading the static data into a cache; the step of aligning the static data with the transaction data of a preset Cuntou system includes: loading the static data from the cache through a message queue, and aligning the static data with the transaction data of the preset Cuntou system.

[0007] In a preferred embodiment of the present invention, the above-mentioned position and investment portfolio data include: the position data and investment portfolio data of the above-mentioned various bank wealth management sub-industry assets on the day before the above-mentioned current date; the above-mentioned transaction and operation data include: the transaction data, settlement data, non-transaction data and share registration data of the above-mentioned various bank wealth management sub-industry assets on the above-mentioned current date; the step of determining the end-of-day valuation of the above-mentioned sub-industry assets based on the above-mentioned position and investment portfolio data and the above-mentioned transaction and operation data includes: determining the end-of-day valuation of the above-mentioned sub-industry assets based on the position data and investment portfolio data of the above-mentioned various bank wealth management sub-industry assets on the day before the above-mentioned current date and the transaction data, settlement data, non-transaction data and share registration data of the above-mentioned various bank wealth management sub-industry assets on the above-mentioned current date.

[0008] In a preferred embodiment of the present invention, the step of determining the day-end valuation of the above-mentioned sub-industry assets based on the position data and investment portfolio data of the above-mentioned various bank wealth management sub-industry assets on the day before the above-mentioned current date, as well as the transaction data, settlement data, non-transaction data and share registration data of the above-mentioned various bank wealth management sub-industry assets on the above-mentioned current date, comprises: assembling the position data and investment portfolio data of the above-mentioned various bank wealth management sub-industry assets on the day before the above-mentioned current date, as well as the transaction data, settlement data, non-transaction data and share registration data of the above-mentioned various bank wealth management sub-industry assets on the above-mentioned current date based on preset accounting valuation criteria to obtain assembled data; and calling the day-end valuation engine calculation interface to calculate the day-end valuation of the above-mentioned sub-industry assets according to the assembled data through the above-mentioned day-end valuation engine.

[0009] In a preferred embodiment of the present invention, after the step of determining the day-end valuation of the above-mentioned sub-industry assets based on the above-mentioned position and investment portfolio data and the above-mentioned transaction and operation data, the above-mentioned method includes: calling the day-end valuation of the valuation system of the external device; comparing the day-end valuation of the above-mentioned sub-industry assets with the day-end valuation of the valuation system of the above-mentioned external device, and generating a difference report.

[0010] In a preferred embodiment of the present invention, after the step of determining the benchmark data of the next day corresponding to the current date based on the end-of-day valuation, the method includes: pushing the benchmark data to the target system of the peripheral device.

[0011] In a preferred embodiment of the present invention, the step of generating non-transaction data based on the announcements and information data of the above-mentioned bank wealth management sub-industry assets includes: generating the bond maturity, bond dividend, stock dividend and fund dividend data of the above-mentioned current date based on the announcements and information data of the above-mentioned bank wealth management sub-industry assets.

[0012] In a preferred embodiment of the present invention, after the step of generating the bond maturity, bond dividend, stock dividend and fund dividend data of the above-mentioned current date based on the announcement and information data of the above-mentioned bank wealth management sub-industry assets, the above-mentioned method also includes: obtaining the product rate configuration and accrued and deferred configuration of the above-mentioned various bank wealth management sub-industry assets; generating the operating expenses and accrued and deferred expense data of the above-mentioned current date based on the above-mentioned product rate configuration and the above-mentioned accrued and deferred configuration; and saving the above-mentioned operating expenses and accrued and deferred expense data as the above-mentioned non-transaction data.

[0013] In a second aspect, an embodiment of the present invention further provides a real-time valuation device for consistency of asset caliber, including: a data acquisition module, used to acquire static data of assets of various bank wealth management sub-industries; the above static data includes: information data, market data and valuation configuration data of the above sub-industry assets; a day-end valuation module, used to align the above static data with the transaction data of a preset Cuntou system; and query the position and investment portfolio data and transaction and operation data of the current extant products in the above sub-industry assets from a preset database; determine the day-end valuation of the above sub-industry assets based on the above position and investment portfolio data and the above transaction and operation data; a valuation processing result output module, used to Based on the above-mentioned end-of-day valuation, determine the benchmark data for the day after the current date; and based on the above-mentioned current date, update the date of the product configuration table of the above-mentioned sub-industry assets to the day after the above-mentioned current date; based on the above-mentioned benchmark data, generate non-transaction data based on the announcement and information data of the above-mentioned bank wealth management sub-industry assets; set the preset type of wealth management products as aggregate roots, and combine the position and investment portfolio data of the day before the above-mentioned current date and the above-mentioned transaction and operation data to obtain the initialized aggregate root event model and send it to the preset message queue; based on the above-mentioned message queue, perform valuation calculations according to business processing events and the above-mentioned initialized aggregate root event model to obtain the valuation processing result.

[0014] In a third aspect, an embodiment of the present invention further provides an electronic device, characterized in that the electronic device comprises a processor and a memory, the memory stores computer executable instructions that can be executed by the processor, and the processor executes the computer executable instructions to implement the real-time valuation method for consistency of asset caliber.

[0015] The embodiments of the present invention have the following beneficial technical effects:

[0016] The embodiment of the present invention provides a real-time valuation method, device and electronic device for asset caliber consistency, including: obtaining static data of multiple bank wealth management sub-industry assets; the static data includes: information data, market data and valuation configuration data of the sub-industry assets; aligning the static data with the transaction data of a preset inch system; and querying the holding and investment portfolio data and transaction and operation data of the current continuing products in the sub-industry assets from a preset database; determining the end-of-day valuation of the sub-industry assets according to the holding and investment portfolio data and the transaction and operation data; determining the benchmark data of the next day corresponding to the current date according to the end-of-day valuation; and based on the current date, updating the date of the product configuration table of the sub-industry assets to the next day after the current date; based on the benchmark data, generating non-transaction data according to the announcement and information data of the bank wealth management sub-industry assets; setting a preset type of wealth management product as an aggregate root, and combining the holding and investment portfolio data and the transaction and operation data of the day before the current date to obtain an initialized aggregate root event model and send it to a preset message queue; based on the message queue, performing valuation calculation according to the business processing event and the initialized aggregate root event model to obtain a valuation processing result. This method alleviates the technical problem that the existing technology has a limited scope of application and cannot well achieve the purpose of real-time valuation. It is applicable to the asset valuation of various bank wealth management sub-industries and realizes real-time valuation with consistent asset caliber. BRIEF DESCRIPTION OF THE DRAWINGS

[0017] In order to more clearly illustrate the specific implementation methods of the present invention or the technical solutions in the prior art, the drawings required for use in the specific implementation methods or the description of the prior art will be briefly introduced below. Obviously, the drawings described below are some implementation methods of the present invention. For ordinary technicians in this field, other drawings can be obtained based on these drawings without paying creative work.

[0018] Figure 1 A flowchart of a real-time valuation method for asset caliber consistency provided by an embodiment of the present invention;

[0019] Figure 2 A flow chart of another method for real-time valuation of asset caliber consistency provided by an embodiment of the present invention;

[0020] Figure 3 A schematic diagram of the structure of a real-time valuation device for asset caliber consistency provided by an embodiment of the present invention;

[0021] Figure 4 A schematic diagram of the structure of an electronic device provided by an embodiment of the present invention.

[0022] Icons: 31 - data acquisition module; 32 - end-of-day valuation module; 33 - valuation processing result output module; 41 - processor; 42 - memory; 43 - bus; 44 - communication interface. DETAILED DESCRIPTION

[0023] In order to make the purpose, technical solutions and advantages of the embodiments of the present invention clearer, the technical solutions in the embodiments of the present invention will be clearly and completely described below in conjunction with the drawings in the embodiments of the present invention. Obviously, the described embodiments are part of the embodiments of the present invention, not all of the embodiments. Generally, the components of the embodiments of the present invention described and shown in the drawings here can be arranged and designed in various different configurations.

[0024] At present, most valuation systems can only perform scheduled valuation tasks at the end of the day. Such centralized processing methods have high requirements for hardware. At the same time, as the number of products increases, the time for a single end-of-day valuation is also increasing, and the asset caliber consistency of the final valuation results is not good, and risk control cannot be carried out in a timely manner. The existing technology provides a real-time valuation method for fund assets based on distributed data streams, but this method is only for funds, has a narrow scope of application, and cannot achieve the purpose of real-time valuation.

[0025] Based on this, the embodiments of the present invention provide a real-time valuation method, device and electronic device for asset caliber consistency, which alleviates the technical problem that the existing technology has a limited scope of application and cannot well achieve the purpose of real-time valuation, so as to be applicable to asset valuation of various bank wealth management sub-industries and realize real-time valuation of asset caliber consistency. In order to facilitate the understanding of the present invention, a real-time valuation method for asset caliber consistency is first introduced.

[0026] Example 1

[0027] In this embodiment, Figure 1 A flowchart of a real-time valuation method for asset caliber consistency provided in an embodiment of the present invention.

[0028] Depend on Figure 1 As can be seen, the method includes:

[0029] Step S101: Obtain static data of assets of various bank wealth management sub-industries; the static data includes: information data, market data and valuation configuration data of the assets of the sub-industries.

[0030] In this embodiment, the above-mentioned information data includes: bond basic information, bond cash flow information, bond interest rate information, fund basic information, stock basic information, etc.; the above-mentioned market data includes: stock market, bond market, fund market, exchange rate, etc.; the above-mentioned valuation configuration data includes: valuation method configuration, valuation price source configuration, rate configuration, etc.

[0031] Step S102: aligning the above static data with the transaction data of the preset Cuntou system; and querying the holding and investment portfolio data and transaction and operation data of the current existing products in the above sub-industry assets from the preset database.

[0032] In this embodiment, considering that the transaction data of the present invention is obtained from the trading system through the message queue, once the message queue fails or other abnormalities occur, resulting in data loss, in order to ensure the consistency of the transaction data, the present invention needs to align the above-mentioned static data with the transaction data of the position system before the end-of-day valuation to prevent incomplete transaction data during the end-of-day valuation.

[0033] Step S103: Determine the end-of-day valuation of the above sub-industry assets based on the above holdings and investment portfolio data and the above transaction and operation data.

[0034] In this embodiment, first, the product information of the current status is obtained from the cache, and the positions and investment portfolios of the above-mentioned various bank wealth management sub-industry assets on the day before the current date, as well as the transaction, settlement, non-transaction and share registration data on the current date are queried from the database. Then, these data are assembled according to the accounting valuation standards, and the end-of-day valuation engine calculation interface is called to perform end-of-day valuation on the above-mentioned products one by one. Finally, the results generated after the valuation of each product is completed will be saved in the database to achieve data persistence.

[0035] Step S104: Based on the above-mentioned end-of-day valuation, determine the benchmark data for the day after the current date; and based on the above-mentioned current date, update the date of the product configuration table of the above-mentioned sub-industry assets to the day after the above-mentioned current date; based on the above-mentioned benchmark data, generate non-transaction data based on the announcement and information data of the above-mentioned bank wealth management sub-industry assets.

[0036] In actual operation, in order to ensure the consistency and accuracy of the data and reduce the error of the real-time valuation one day after the above-mentioned current date, the present invention uses the results of the valuation and settlement system to cover the generated data as the benchmark data for the daily valuation one day after the above-mentioned current date.

[0037] Furthermore, after completing all operations at the end of the day, the first step of the day after the current date is to switch the date. Since the current system date is the current date, in order to prepare for various operations before the opening of the day after the current date, the system needs to switch the system date to the day after the current date.

[0038] Furthermore, the product configuration table needs to be updated one day after the date switches to the current date. Specifically, for products whose start and end dates are not within the current date range, their existence status should be changed; and for all products whose existence status is valid, they need to be loaded into the Redis cache for valuation calculation.

[0039] Furthermore, the present invention will automatically generate non-transactional data such as the day's bond maturity, bond dividends, stock dividends, fund dividends, etc. based on the received information and announcement data; and, based on the product rate configuration and accrued and deferred information, generate the day's operating expenses and accrued and deferred expense data.

[0040] Here, the above-mentioned bond maturities, bond dividends, stock dividends, fund dividends, and the above-mentioned operating expenses and accrued and deferred expenses data are all non-transactional data.

[0041] Step S105: Set the preset type of financial product as the aggregate root, and combine the holdings and investment portfolio data of the day before the current date and the above-mentioned transaction and operation data to obtain the initialized aggregate root event model and send it to the preset message queue.

[0042] In an embodiment, in order to improve the valuation processing capability of daytime transactions, based on the concept of domain-driven design, the present invention uses a preset type of financial product as an aggregate root, which is the smallest concurrent and isolated unit, and will be automatically and evenly distributed to each node, thereby greatly improving the concurrent processing capability of transactions. The real-time valuation management service of the present invention will query the positions and investment portfolios of the day before the current date, as well as the transaction, non-transaction and delivery data of the current date from the database, and assemble them into the initialization aggregate root event model of the real-time valuation core service, and publish them to the message queue Kafka. After receiving the event, the real-time valuation core service will split and assemble it to complete the initialization, and can receive transaction data from the transaction system for real-time calculation operations.

[0043] Furthermore, the present invention is based on real-time valuation of multiple assets of a single product, thereby reducing the resource usage of a single valuation.

[0044] Step S106: Based on the message queue, perform valuation calculation according to the business processing event and the initialization aggregate root event model to obtain a valuation processing result.

[0045] In this embodiment, the transaction received from the transaction system is assembled by the transaction front-end service according to the command event format required by the real-time valuation core service to form events for different business processes. After receiving these events, the real-time valuation core service will perform the valuation calculation process based on the incremental valuation calculation method in real time.

[0046] For example, in a stock transaction event, the real-time valuation service calculates the incremental factors that affect the change in holdings based on the transaction situation and applies them to the holding index. At the same time, based on the incremental factors of the position change, the incremental factors of the portfolio change are generated and applied to the portfolio index. After the calculation is completed, the valuation results are assembled into result events and published to the message queue Kafka for downstream systems to subscribe to.

[0047] The embodiment of the present invention provides a real-time valuation method for asset caliber consistency, including: obtaining static data of multiple bank wealth management sub-industry assets; the static data includes: information data, market data and valuation configuration data of the sub-industry assets; aligning the static data with the transaction data of a preset Cuntou system; and querying the holding and investment portfolio data and transaction and operation data of the current sub-industry assets from a preset database; determining the end-of-day valuation of the sub-industry assets according to the holding and investment portfolio data and the transaction and operation data; determining the benchmark data of the next day corresponding to the current date according to the end-of-day valuation; and based on the current date, updating the date of the product configuration table of the sub-industry assets to the next day after the current date; based on the benchmark data, generating non-transaction data according to the announcement and information data of the bank wealth management sub-industry assets; setting a preset type of wealth management product as an aggregate root, and combining the holding and investment portfolio data and the transaction and operation data of the day before the current date to obtain an initialized aggregate root event model and send it to a preset message queue; based on the message queue, performing valuation calculation according to the business processing event and the initialized aggregate root event model to obtain a valuation processing result. This method integrates and processes various data from the bank's wealth management sub-industry, realizes automated end-of-day valuation, benchmark data generation and non-transaction data processing, and improves the management accuracy and operational efficiency of wealth management products.

[0048] Example 2

[0049] Based on the above embodiments, Figure 2 A flowchart of another method for real-time valuation of consistent asset caliber provided in an embodiment of the present invention.

[0050] Depend on Figure 2 As can be seen, the method includes:

[0051] Step S201: Obtain static data of assets of various bank wealth management sub-industries; the above static data includes: information data, market data and valuation configuration data of the above sub-industry assets.

[0052] Step S202: Load the above static data into the cache.

[0053] Step S203: Load the static data from the cache through the message queue, and align the static data with the transaction data of the preset Cuntou system; and query the holdings and investment portfolio data and transaction and operation data of the current existing products in the sub-industry assets from the preset database.

[0054] Step S204: Determine the end-of-day valuation of the above sub-industry assets based on the above holdings and investment portfolio data and the above transaction and operation data.

[0055] Step S205: Based on the above-mentioned end-of-day valuation, determine the benchmark data for the day after the current date; and based on the above-mentioned current date, update the date of the product configuration table of the above-mentioned sub-industry assets to the day after the above-mentioned current date; based on the above-mentioned benchmark data, generate non-transaction data based on the announcement and information data of the above-mentioned bank wealth management sub-industry assets.

[0056] Step S206: Set the preset type of financial product as the aggregate root, and combine the holdings and investment portfolio data of the day before the current date and the above-mentioned transaction and operation data to obtain the initialized aggregate root event model and send it to the preset message queue.

[0057] Step S207: Based on the message queue, perform valuation calculation according to the business processing event and the initialization aggregate root event model to obtain a valuation processing result.

[0058] In an embodiment of the present invention, the above-mentioned position and investment portfolio data include: the position data and investment portfolio data of the above-mentioned various bank wealth management sub-industry assets on the day before the above-mentioned current date; the above-mentioned transaction and operation data include: the transaction data, settlement data, non-transaction data and share registration data of the above-mentioned various bank wealth management sub-industry assets on the above-mentioned current date; the step of determining the end-of-day valuation of the above-mentioned sub-industry assets based on the above-mentioned position and investment portfolio data and the above-mentioned transaction and operation data includes: determining the end-of-day valuation of the above-mentioned sub-industry assets based on the position data and investment portfolio data of the above-mentioned various bank wealth management sub-industry assets on the day before the above-mentioned current date and the transaction data, settlement data, non-transaction data and share registration data of the above-mentioned various bank wealth management sub-industry assets on the above-mentioned current date.

[0059] Furthermore, based on the position data and investment portfolio data of the above-mentioned various bank wealth management sub-industry assets on the day before the above-mentioned current date, as well as the transaction data, settlement data, non-transaction data and share registration data of the above-mentioned various bank wealth management sub-industry assets on the above-mentioned current date, the step of determining the day-end valuation of the above-mentioned sub-industry assets includes: assembling the position data and investment portfolio data of the above-mentioned various bank wealth management sub-industry assets on the day before the above-mentioned current date, as well as the transaction data, settlement data, non-transaction data and share registration data of the above-mentioned various bank wealth management sub-industry assets on the above-mentioned current date based on preset accounting valuation standards to obtain assembled data; and calling the day-end valuation engine calculation interface to calculate the day-end valuation of the above-mentioned sub-industry assets according to the assembled data through the above-mentioned day-end valuation engine.

[0060] Furthermore, after the step of determining the day-end valuation of the above-mentioned sub-industry assets based on the above-mentioned position and investment portfolio data and the above-mentioned transaction and operation data, the above-mentioned method includes: calling the day-end valuation of the valuation system of the external device; comparing the day-end valuation of the above-mentioned sub-industry assets with the day-end valuation of the valuation system of the above-mentioned external device, and generating a difference report.

[0061] Furthermore, after the step of determining the benchmark data of the next day corresponding to the current date based on the end-of-day valuation, the method includes: pushing the benchmark data to a target system of the peripheral device.

[0062] Furthermore, the step of generating non-transaction data based on the announcements and information data of the above-mentioned bank wealth management sub-industry assets includes: generating the bond maturity, bond dividend, stock dividend and fund dividend data of the above-mentioned current date based on the announcements and information data of the above-mentioned bank wealth management sub-industry assets.

[0063] Furthermore, after the step of generating the bond maturity, bond dividend, stock dividend and fund dividend data of the above-mentioned current date based on the announcement and information data of the above-mentioned bank wealth management sub-industry assets, the above-mentioned method also includes: obtaining the product rate configuration and accrued and deferred configuration of the above-mentioned various bank wealth management sub-industry assets; generating the operating expenses and accrued and deferred expense data of the above-mentioned current date based on the above-mentioned product rate configuration and the above-mentioned accrued and deferred configuration; and saving the above-mentioned operating expenses and accrued and deferred expense data as the above-mentioned non-transaction data.

[0064] The embodiment of the present invention provides a real-time valuation method with consistent asset caliber, including: obtaining static data of assets of various bank wealth management sub-industries; the static data includes: information data, market data and valuation configuration data of the assets of the sub-industries; loading the static data into a cache; loading the static data from the cache through a message queue, and aligning the static data with the transaction data of a preset Cuntou system; and querying the holding and investment portfolio data and transaction and operation data of the current extant products in the assets of the sub-industry from a preset database; determining the end-of-day valuation of the assets of the sub-industry based on the holding and investment portfolio data and the transaction and operation data; and According to the above-mentioned end-of-day valuation, determine the benchmark data for the day after the current date; and based on the above-mentioned current date, update the date of the product configuration table of the above-mentioned sub-industry assets to the day after the above-mentioned current date; based on the above-mentioned benchmark data, generate non-transaction data according to the announcement and information data of the above-mentioned bank wealth management sub-industry assets; set the preset type of wealth management products as aggregate roots, and combine the position and investment portfolio data of the day before the above-mentioned current date and the above-mentioned transaction and operation data to obtain the initialization aggregate root event model and send it to the preset message queue; based on the above-mentioned message queue, perform valuation calculations according to business processing events and the above-mentioned initialization aggregate root event model to obtain the valuation processing results. This method realizes automated end-of-day valuation, benchmark data generation and non-transaction data processing by integrating and processing various data of the bank wealth management sub-industry, improving the management accuracy and operational efficiency of wealth management products, and further improves the real-time performance of data calculation through caching and message queue technology.

[0065] Example 3

[0066] Based on the above embodiments, Figure 3 A schematic diagram of the structure of a real-time valuation device for asset caliber consistency provided in an embodiment of the present invention.

[0067] Depend on Figure 3 As can be seen, the device includes:

[0068] The data acquisition module 31 is used to acquire static data of assets of various bank wealth management sub-industries; the above static data includes: information data, market data and valuation configuration data of the above sub-industry assets.

[0069] The end-of-day valuation module 32 is used to align the above static data with the transaction data of the preset account system; and to query the holding and investment portfolio data and transaction and operation data of the current ongoing products in the above sub-industry assets from the preset database; based on the above holding and investment portfolio data and the above transaction and operation data, determine the end-of-day valuation of the above sub-industry assets.

[0070] The valuation processing result output module 33 is used to determine the benchmark data of the day after the current date based on the above-mentioned end-of-day valuation; and based on the above-mentioned current date, update the date of the product configuration table of the above-mentioned sub-industry assets to the day after the above-mentioned current date; based on the above-mentioned benchmark data, generate non-transaction data according to the announcement and information data of the above-mentioned bank wealth management sub-industry assets; set the preset type of wealth management products as aggregate roots, and combine the position and investment portfolio data of the day before the above-mentioned current date and the above-mentioned transaction and operation data to obtain the initialized aggregate root event model and send it to the preset message queue; based on the above-mentioned message queue, perform valuation calculations according to the business processing events and the above-mentioned initialized aggregate root event model to obtain the valuation processing results.

[0071] The data acquisition module 31, the end-of-day valuation module 32 and the valuation processing result output module 33 are connected in sequence.

[0072] The implementation principle and technical effects of the indicator parallel processing device for risk control provided in the embodiment of the present invention are the same as those of the aforementioned indicator parallel processing method embodiment for risk control. For the sake of brief description, for parts not mentioned in the embodiment of the above-mentioned indicator parallel processing device for risk control, reference may be made to the corresponding contents in the aforementioned method embodiment.

[0073] The embodiment of the present invention further provides an electronic device, such as Figure 4 As shown, it is a schematic diagram of the structure of the electronic device, wherein the electronic device includes a processor 41 and a memory 42, the memory 42 stores machine executable instructions that can be executed by the processor 41, and the processor 41 executes the machine executable instructions to implement the above-mentioned parallel processing method of indicators for risk control.

[0074] exist Figure 4 In the illustrated embodiment, the electronic device further includes a bus 43 and a communication interface 44 , wherein the processor 41 , the communication interface 44 and the memory 42 are connected via the bus.

[0075] The memory 42 may include a high-speed random access memory (RAM), and may also include a non-volatile memory, such as at least one disk memory. The communication connection between the system network element and at least one other network element is realized through at least one communication interface 44 (which may be wired or wireless), and the Internet, wide area network, local area network, metropolitan area network, etc. may be used. The bus may be an ISA bus, a PCI bus, or an EISA bus, etc. The above-mentioned bus can be divided into an address bus, a data bus, a control bus, etc. For ease of representation, Figure 4 Only one bidirectional arrow is used in the diagram, but this does not mean that there is only one bus or only one type of bus.

[0076] The processor 41 may be an integrated circuit chip with signal processing capabilities. In the implementation process, each step of the above method can be completed by the hardware integrated logic circuit or software instructions in the processor 41. The above processor 41 can be a general-purpose processor, including a central processing unit (CPU), a network processor (NP), etc.; it can also be a digital signal processor (DSP), an application-specific integrated circuit (ASIC), a field-programmable gate array (FPGA), or other programmable logic devices, discrete gates or transistor logic devices, discrete hardware components. The methods, steps and logic block diagrams disclosed in the embodiments of the present invention can be implemented or executed. The general-purpose processor can be a microprocessor or the processor can also be any conventional processor. The steps of the method disclosed in the embodiments of the present invention can be directly embodied as a hardware decoding processor to be executed, or the hardware and software modules in the decoding processor can be executed. The software module can be located in a mature storage medium in the field such as a random access memory, a flash memory, a read-only memory, a programmable read-only memory, or an electrically erasable programmable memory, a register, etc. The storage medium is located in the memory, and the processor 41 reads the information in the memory 42 and completes the steps of the indicator parallel processing method for risk control in the aforementioned embodiment in combination with its hardware.

[0077] An embodiment of the present invention also provides a machine-readable storage medium, which stores machine-executable instructions. When the machine-executable instructions are called and executed by a processor, the machine-executable instructions prompt the processor to implement the above-mentioned parallel processing method of indicators for risk control. The specific implementation can be found in the aforementioned method embodiment, which will not be repeated here.

[0078] The computer program product of the indicator parallel processing method for risk control, the indicator parallel processing device for risk control and the electronic device provided in the embodiments of the present invention includes a computer-readable storage medium storing program code. The instructions included in the above program code can be used to execute the above-mentioned indicator parallel processing method for risk control in the previous method embodiment. The specific implementation can be referred to the method embodiment, which will not be repeated here.

[0079] Unless otherwise specifically stated, the relative steps, numerical expressions and values ​​of the components and steps set forth in these embodiments do not limit the scope of the present invention.

[0080] If the above functions are implemented in the form of software functional units and sold or used as independent products, they can be stored in a non-volatile computer-readable storage medium that can be executed by a processor. Based on this understanding, the technical solution of the present invention, or the part that contributes to the prior art, or the part of the technical solution, can be embodied in the form of a software product. The computer software product is stored in a storage medium, including several instructions for a computer device (which can be a personal computer, a server, or a network device, etc.) to perform all or part of the steps of the above methods of each embodiment of the present invention. The aforementioned storage medium includes: U disk, mobile hard disk, read-only memory (ROM, Read-Only Memory), random access memory (RAM, Random Access Memory), disk or optical disk, etc. Various media that can store program codes.

[0081] Finally, it should be noted that the above-mentioned embodiments are only specific implementation methods of the present invention, which are used to illustrate the technical solutions of the present invention rather than to limit it. The protection scope of the present invention is not limited thereto. Although the present invention has been described in detail with reference to the above-mentioned embodiments, ordinary technicians in this field should understand that any technician familiar with this technical field can still modify the technical solutions recorded in the above-mentioned embodiments within the technical scope disclosed by the present invention, or make equivalent replacements for some of the technical features therein; and these modifications, changes or replacements do not make the essence of the corresponding technical solutions deviate from the spirit and scope of the technical solutions of the embodiments of the present invention, and should all be covered within the protection scope of the present invention.

Claims

1. A real-time valuation method with consistent asset caliber, characterized in that: include: Obtain static data on assets of various bank wealth management sub-industries; The above-mentioned static data includes: information data, market data and valuation configuration data of the sub-industry assets; Align the static data with the transaction data of the preset Cuntou system; and query the holding and investment portfolio data and transaction and operation data of the current products in the sub-industry assets from the preset database; Determine the end-of-day valuation of the sub-industry assets based on the holdings and portfolio data and the transaction and operation data; According to the end-of-day valuation, determine the benchmark data of the day after the current date; and based on the current date, update the product configuration table of the sub-industry assets to the day after the current date; based on the benchmark data, generate non-transaction data according to the announcement and information data of the bank wealth management sub-industry assets; Set the preset type of financial products as the aggregate root, and combine the position and investment portfolio data of the day before the current date and the transaction and operation data to obtain the initialization aggregate root event model and send it to the preset message queue; Based on the message queue, valuation calculation is performed according to the business processing event and the initialization aggregate root event model to obtain a valuation processing result.

2. The real-time valuation method for asset caliber consistency according to claim 1 is characterized in that: After the step of obtaining static data of assets of various bank wealth management sub-industries, the method includes: Loading the static data into a cache; The step of aligning the static data with the transaction data of the preset Cuntou system includes: The static data is loaded from the cache through a message queue, and the static data is aligned with the transaction data of a preset inch system.

3. The real-time valuation method for asset caliber consistency according to claim 2 is characterized in that: The position and investment portfolio data include: the position data and investment portfolio data of the various bank wealth management sub-industry assets on the day before the current date; the transaction and operation data include: the transaction data, settlement data, non-transaction data and share registration data of the various bank wealth management sub-industry assets on the current date; the step of determining the end-of-day valuation of the sub-industry assets based on the position and investment portfolio data and the transaction and operation data includes: The end-of-day valuation of the sub-industry assets is determined based on the position data and investment portfolio data of the various bank wealth management sub-industry assets on the day before the current date and the transaction data, settlement data, non-transaction data and share registration data of the various bank wealth management sub-industry assets on the current date.

4. The real-time valuation method for asset caliber consistency according to claim 3 is characterized in that: The step of determining the end-of-day valuation of the sub-industry assets according to the position data and investment portfolio data of the multiple bank wealth management sub-industry assets on the day before the current date and the transaction data, settlement data, non-transaction data and share registration data of the multiple bank wealth management sub-industry assets on the current date, comprises: Based on preset accounting valuation criteria, assembling the position data and investment portfolio data of the various bank wealth management sub-industry assets on the day before the current date and the transaction data, settlement data, non-transaction data and share registration data of the various bank wealth management sub-industry assets on the current date to obtain assembled data; The calculation interface of the day-end valuation engine is called, and the day-end valuation of the sub-industry assets is calculated by the day-end valuation engine according to the assembly data.

5. The real-time valuation method for asset caliber consistency according to claim 1 is characterized in that: After the step of determining the end-of-day valuation of the sub-industry assets based on the holdings and portfolio data and the transaction and operation data, the method comprises: Call the end-of-day valuation of the external valuation system; The end-of-day valuation of the sub-industry assets is compared with the end-of-day valuation of the external valuation system to generate a difference report.

6. The real-time valuation method for asset caliber consistency according to claim 1 is characterized in that: After the step of determining the benchmark data of the next day corresponding to the current date according to the end-of-day valuation, the method comprises: The benchmark data is pushed to a target system of the peripheral device.

7. The real-time valuation method for asset caliber consistency according to claim 1 is characterized in that: The steps of generating non-transaction data based on the announcement and information data of the assets of the bank wealth management sub-industry include: Based on the announcements and information data of the assets of the bank wealth management sub-industry, the bond maturity, bond dividend, stock dividend and fund dividend data of the current date are generated.

8. The real-time valuation method for asset caliber consistency according to claim 7 is characterized in that: After the step of generating the bond maturity, bond dividend, stock dividend and fund dividend data of the current date according to the announcement and information data of the bank wealth management sub-industry assets, the method further comprises: Obtain product rate configuration and prepaid and deferred configuration of the assets of various bank wealth management sub-industries; Generate operating expenses and accrued and deferred expense data for the current date according to the product rate configuration and the accrued and deferred expense configuration; The operating expenses and accrued deferred expenses data are saved as the non-transaction data.

9. A real-time valuation device for asset caliber consistency, characterized in that: include: Data acquisition module, used to obtain static data of assets of various bank wealth management sub-industries; The static data includes: information data, market data and valuation configuration data of the sub-industry assets; The end-of-day valuation module is used to align the static data with the transaction data of the preset Cuntou system; and query the position and investment portfolio data and transaction and operation data of the current continuing products in the sub-industry assets from the preset database; determine the end-of-day valuation of the sub-industry assets based on the position and investment portfolio data and the transaction and operation data; The module for outputting the result of the valuation processing is used to determine the benchmark data of the day after the current date according to the end-of-day valuation; and based on the current date, update the date of the product configuration table of the sub-industry assets to the day after the current date; based on the benchmark data, generate non-transaction data according to the announcement and information data of the bank wealth management sub-industry assets; set the wealth management products of a preset type as the aggregate root, and combine the position and investment portfolio data of the day before the current date and the transaction and operation data to obtain the initialized aggregate root event model and send it to the preset message queue; based on the message queue, perform valuation calculations according to the business processing events and the initialized aggregate root event model to obtain the valuation processing result.

10. An electronic device, characterized in that: The electronic device includes a processor and a memory, wherein the memory stores computer-executable instructions that can be executed by the processor, and the processor executes the computer-executable instructions to implement the real-time valuation method for asset caliber consistency as described in any one of claims 1 to 8.

Images