Pre-increasing and pre-decreasing position determination method and device, electronic equipment and storage medium

Abstract

The invention provides a pre-increase and pre-decrease position determination method and device, electronic equipment and a storage medium, and relates to the technical field of data processing, and the method comprises the steps: obtaining a business instruction and a transaction flow corresponding to the business instruction in real time; classifying the transaction flow based on the service mark to obtain a service category corresponding to the transaction flow; carrying out pre-increase and pre-decrease dimension final calculation on the transaction flow according to the product, the date and the account based on the service type, and determining the service instruction generation amount of the product under different accounts on the day; if the business instruction is ended, associating a target transaction flow under the business instruction; determining a real-time amount summary based on the business instruction generation amount and the target transaction flow; counting the current-day transaction flow amount under the product and account dimension; and obtaining the real-time fund position of the day based on the pre-determined day fund position of the previous day, the real-time amount summary, the transaction flow amount of the day and the recognized and redeemed transaction amount in the day. And the real-time performance and the accuracy of the day fund position are ensured.

Description

Technical Field

[0001] The present invention relates to the field of data processing technology, and in particular to a method, device, electronic device and storage medium for determining a pre-increase or pre-decrease position. Background Art

[0002] Bank financial management positions refer to specific positions formed after funds are allocated to different investment tools or asset categories in a financial management product or financial management portfolio. Its main purpose is to manage and track the flow of funds and investment allocation in financial management products in a more detailed manner. As the domestic and international investment environment becomes increasingly complex, how to make good use of financial management positions for domestic and overseas investment not only affects the investment income of financial management products, but also affects the bank's risk control, liquidity management and compliance. Therefore, the real-time and accuracy of fund positions are of great significance to the bank's investment business.

[0003] Affected by the new asset management regulations, the domestic wealth management industry is undergoing transformation and reshaping. The risk control of the wealth management industry has been strengthened, the structure of investment products has been continuously optimized, and the complexity of capital positions has continued to increase. At present, banks' attention to positions is mainly focused on improving real-time management efficiency and coping with the uncertainty of the external environment, which requires high real-time and accuracy of positions. However, the existing method of counting positions according to the transaction stage or the end of the day is a challenge to the real-time and accurate management of intraday positions. Summary of the invention

[0004] In view of this, the purpose of the present invention is to provide a method, device, electronic device and storage medium for determining a position by pre-increase or pre-decrease, by which the position is controlled at the business instruction stage by pre-increase or pre-decrease, thereby ensuring the real-time and accuracy of the intraday capital position.

[0005] In the first aspect, an embodiment of the present invention provides a method for determining a position of pre-increase or pre-decrease, including: obtaining in real time the business instructions generated between banks by various investment systems and the transaction exchange corresponding to the business instructions; associating the business instructions and the transaction exchange with corresponding products, business symbols, accounts, dates and amount information; classifying the transaction exchange based on the business symbols to obtain the business categories corresponding to the transaction exchange; based on the business categories, calculating the transaction exchange according to the dimensions of pre-increase or pre-decrease of products, dates and accounts to determine the amount of business instructions for products under different accounts on the day; if the business instructions are completed, associating the target transaction exchange under the business instructions; determining the real-time amount summary based on the amount of business instructions and the target transaction exchange; counting the transaction exchange amount on the day under the product and account dimensions; obtaining the real-time capital position on the day based on the predetermined previous day's intraday capital position, real-time amount summary, the transaction exchange amount on the day and the subscription and redemption transaction amount.

[0006] In a preferred embodiment of the present invention, the above-mentioned business category-based transaction water is settled according to the dimensions of product, date and account for pre-increase and pre-decrease, and the business instruction amount of the product under different accounts on the day is determined, including: cleaning the business instructions; cleaning includes deleting the currently revoked, invalid and ended business instructions; counting the amount of all currently cleaned business instructions according to the product, date and account dimensions; for the buying business instructions, the current available funds are pre-deducted from the amount of the cleaned business instructions to obtain the first business instruction settlement corresponding to the incoming direction; for the selling business instructions, the current available funds are pre-added to the amount of the cleaned business instructions to obtain the second business instruction settlement corresponding to the outgoing direction; based on the first business instruction settlement and the second business instruction settlement, the business instruction amount of the account on the day under the product dimension is obtained.

[0007] In a preferred embodiment of the present invention, the above-mentioned determination of the real-time amount summary based on the business instruction amount and the target cost exchange level includes:

[0008] The real-time amount summary is determined based on the business instruction amount and target cost exchange level through the following formula: x ,T x )=λ o O x +λ r T x (o≠r);

[0009] Among them, w(O x ,T x ) is the real-time amount summary, x is the business category, λ o O x is the instruction amount of whether the business instruction corresponding to x has ended the settlement, λ o Is the parameter indicating whether the business instruction corresponding to x is ended, O x is the corresponding business instruction amount, λ r T x is the transaction amount of whether the business instruction corresponding to x has ended the settlement, λ r Is the parameter indicating whether the business instruction corresponding to x is finished, T x The target value corresponding to the business instruction corresponding to x is the exchange water value.

[0010] In a preferred embodiment of the present invention, if the service instruction is not completed, o is 1, λ r 0, indicating that the business instruction has not been completed, the amount on the instruction side is the basis, and the business flow on the transaction side is not counted; if the business instruction is completed, λ o is 0, λ r 1, indicating that the actual transaction amount will be used after the business instruction is completed, and the instruction end flow will not be counted; where λ oand λ r It is a mutually exclusive relationship.

[0011] In a preferred embodiment of the present invention, the above-mentioned daytime real-time funds position is obtained based on the previous day's predetermined intraday funds position, real-time amount summary, current day's transaction amount and subscription and redemption transaction amount, including: calculating the previous day's predetermined intraday funds position with the current day's valuation to obtain the previous day's end-of-day funds position; obtaining the current day's real-time funds position based on the previous day's end-of-day funds position and the current day's transaction amount, real-time amount summary, current day's transaction amount and subscription and redemption transaction amount.

[0012] In a preferred embodiment of the present invention, the above-mentioned calculation of the predetermined previous day intraday fund position and the current day valuation to obtain the final available funds includes: calculating the predetermined previous day intraday fund position and the current day valuation by the following formula to obtain the final available funds: E t-1 =∑T x +∑T h-1 +ΣT j-1 +E t-2 ; Among them, E t-1 T is the end-of-day fund position of the product one day before t-1; x Contains T a , T b , T c , T d , T e , T f , corresponding to the summary of all transaction amounts of bonds, funds, repurchases, asset management plans, deposits and direct financing of wealth management on the same day; ΣT h-1 T is the subscription, application and redemption transaction amount of the product on day t-1; j-1 It is the fund adjustment flow generated based on the valuation check on day t-1 and the summary of fund adjustment flow during day t-1; t-2 It is the end-of-day capital position on the day before t-2 days.

[0013] In a preferred embodiment of the present invention, the method further includes: obtaining the real-time fund position of the day based on the fund position at the end of the previous day and the transaction amount of the day, the real-time amount summary, the transaction amount of the day, and the subscription and redemption transaction amount, including: obtaining the real-time fund position of the day based on the fund position at the end of the previous day and the transaction amount of the day, the real-time amount summary, the transaction amount of the day, and the subscription and redemption transaction amount by the following formula: E t =∑w(O x ,T x )+∑T h +∑T j +E t-1 ; Among them, E t is the real-time capital position on day t, ∑w(Ox ,T x ) is the sum of the real-time amounts corresponding to each business category, ∑T h is the subscription and redemption transaction amount of the product on day t, ∑T j To adjust the flow of funds, E t-1 It is the end-of-day capital position of the product one day before t-1 day.

[0014] In the second aspect, the embodiment of the present invention also provides a position determination device for pre-increase and pre-decrease, including: an information acquisition module, which is used to obtain in real time the business instructions generated by each investment system and the transaction exchange corresponding to the business instructions; the business instructions and the transaction exchange are associated with corresponding products, business symbols, accounts, dates and amount information; a business category determination module, which is used to classify the transaction exchange based on the business symbol to obtain the business category corresponding to the transaction exchange; a business instruction amount determination module, which is used to calculate the transaction exchange according to the dimensions of product, date and account based on the business category, and determine the business instruction amount of the product under different accounts on the same day; a target transaction exchange association module, which is used to associate the target transaction exchange under the business instruction if the business instruction ends; a real-time amount summary determination module, which is used to determine the real-time amount summary based on the business instruction amount and the target transaction exchange; a daily transaction exchange amount statistics module, which is used to count the daily transaction exchange amount under the product and account dimensions; a fund position determination module, which is used to obtain the real-time fund position on the day based on the predetermined previous day's daily fund position, real-time amount summary, daily transaction exchange amount and subscription and redemption transaction amount.

[0015] In a third aspect, an embodiment of the present invention further provides an electronic device, comprising 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 pre-increase and pre-decrease position determination method of the first aspect mentioned above.

[0016] In a fourth aspect, an embodiment of the present invention further provides a computer-readable storage medium, wherein the computer-readable storage medium stores computer-executable instructions. When the computer-executable instructions are called and executed by a processor, the computer-executable instructions prompt the processor to implement the pre-increase and pre-decrease position determination method of the first aspect mentioned above.

[0017] The embodiments of the present invention bring the following beneficial effects:

[0018] The embodiment of the present invention provides a method, device, electronic device and storage medium for determining a position of pre-increase and pre-decrease, which obtains the inter-bank business instructions generated by each investment system and the transaction exchange corresponding to the business instructions in real time, classifies the transaction exchange based on the business mark, obtains the business category corresponding to the transaction exchange, and calculates the transaction exchange according to the product, date and account based on the business category, determines the amount of business instructions for the product under different accounts on the day, and if the business instruction ends, associates the target transaction exchange under the business instruction, determines the real-time amount summary based on the business instruction amount and the target transaction exchange, and calculates the transaction exchange amount on the day under the product and account dimensions. The real-time fund position on the day is obtained based on the pre-determined previous day's daytime fund position, real-time amount summary, the transaction exchange amount on the day, and the subscription and redemption transaction amount. In this method, the position is controlled at the business instruction stage by pre-increase and pre-decrease, which ensures the real-time and accuracy of the daytime fund position.

[0019] Other features and advantages of the present disclosure will be set forth in the following description, or some features and advantages may be inferred or unambiguously determined from the description, or may be learned by implementing the above-mentioned technology of the present disclosure.

[0020] In order to make the above-mentioned objectives, features and advantages of the present disclosure more obvious and easy to understand, preferred embodiments are specifically cited below and described in detail with reference to the attached drawings. BRIEF DESCRIPTION OF THE DRAWINGS

[0021] 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.

[0022] Figure 1 A flowchart of a method for determining a position of pre-increase or pre-decrease provided by an embodiment of the present invention;

[0023] Figure 2 A flowchart of another method for determining a position of pre-increase or pre-decrease provided by an embodiment of the present invention;

[0024] Figure 3 A schematic diagram of the structure of a pre-increase and pre-decrease position determination device provided by an embodiment of the present invention;

[0025] Figure 4 A schematic diagram of the structure of an electronic device provided by an embodiment of the present invention. DETAILED DESCRIPTION

[0026] In order to make the purpose, technical solution and advantages of the embodiments of the present invention clearer, the technical solution of the present invention will be clearly and completely described below in conjunction with the accompanying drawings. Obviously, the described embodiments are 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 are within the scope of protection of the present invention.

[0027] Bank financial management positions refer to specific positions formed after funds are allocated to different investment tools or asset categories in a financial management product or financial management portfolio. Its main purpose is to manage and track the flow of funds and investment allocation in financial management products in a more detailed manner. As the domestic and international investment environment becomes increasingly complex, how to make good use of financial management positions for domestic and overseas investment not only affects the investment income of financial management products, but also affects the bank's risk control, liquidity management and compliance. Therefore, the real-time and accuracy of fund positions are of great significance to the bank's investment business.

[0028] Affected by the new asset management regulations, the domestic wealth management industry is undergoing transformation and reshaping. The risk control of the wealth management industry has been strengthened, the structure of investment products has been continuously optimized, and the complexity of capital positions has continued to increase. At present, banks' attention to positions is mainly focused on improving real-time management efficiency and coping with the uncertainty of the external environment, which requires high real-time and accuracy of positions. However, the existing method of counting positions according to the transaction stage or the end of the day is a challenge to the real-time and accurate management of intraday positions.

[0029] Based on this, the embodiment of the present invention provides a method, device, electronic device and storage medium for determining the position of pre-increase and pre-decrease. It can obtain the inter-bank business instructions generated by each investment system and the transaction exchange corresponding to the business instructions in real time, classify the transaction exchange based on the business mark, obtain the business category corresponding to the transaction exchange, and calculate the transaction exchange according to the product, date and account based on the business category. The amount of business instructions under different accounts of the product on the day is determined. If the business instruction ends, the target transaction exchange under the associated business instruction is determined. The real-time amount summary is determined based on the business instruction amount and the target transaction exchange, and the transaction amount of the day is calculated under the product and account dimensions. The real-time fund position of the day is obtained based on the predetermined previous day's daytime fund position, real-time amount summary, the transaction amount of the day, and the subscription and redemption transaction amount. In this method, the position is controlled at the business instruction stage by the pre-increase and pre-decrease method, which ensures the real-time and accuracy of the daytime fund position.

[0030] To facilitate understanding of this embodiment, a method for determining a pre-increase or pre-decrease position disclosed in an embodiment of the present invention is first introduced in detail.

[0031] Example 1

[0032] The embodiment of the present invention provides a method for determining a position of a pre-increase or pre-decrease. Figure 1 The present invention provides a flowchart of a method for determining a position of a pre-increase or pre-decrease according to an embodiment of the present invention. Figure 1 As shown, the method for determining the position of pre-increase and pre-decrease may include the following steps:

[0033] Step S101, obtaining in real time the business instructions generated by various investment systems and the transaction exchange levels corresponding to the business instructions between banks.

[0034] Among them, business instructions and cost exchange water are associated with corresponding products, business logos, accounts, dates and amount information.

[0035] Among them, the access to the transaction water is real-time, and the business instructions are received through the system interface to prevent the transaction from being executed according to the state of position control under the strong control of the system. Once the transaction fails to be executed, the system will notify the upstream system to roll back the transaction.

[0036] The system stores all product, asset and account information in transaction flows, and supports modification and deletion of element information.

[0037] Step S102: classify the AC water based on the service mark to obtain the service category corresponding to the AC water.

[0038] Among them, business symbols can include bonds, repurchases, funds, asset management plans, customization, equity, financial derivatives and deposits, and a unified code value can be agreed upon with the investment and clearing system for standardized management.

[0039] Among them, business categories may include: bonds, repurchases, funds, asset management plans, customization, equity, financial derivatives and deposits. Each business category is further subdivided into deposits and withdrawals according to the transaction direction.

[0040] Step S103, based on the business category, the cost exchange water is calculated according to the dimensions of product, date and account for pre-increase and pre-decrease, and the business instruction amount of the product under different accounts on the day is determined.

[0041] Specifically, based on the business category, the cost exchange water is settled according to the dimensions of product, date and account for pre-increase and pre-decrease, and the business instruction amount of the product under different accounts on the day is determined, which may include: cleaning the business instructions; counting the amount of all the cleaned business instructions currently occurring according to the product, date and account dimensions; for the business instructions of buying, deducting the current available funds in advance from the amount of the cleaned business instructions to obtain the first business instruction settlement corresponding to the incoming direction; for the business instructions of selling, adding the current available funds in advance to the amount of the cleaned business instructions to obtain the second business instruction settlement corresponding to the outgoing direction; based on the first business instruction settlement and the second business instruction settlement, the business instruction amount of the account on the day under the product dimension is obtained.

[0042] Among them, cleaning includes deleting the current revoked, invalid and ended business instructions, and all business instructions have unique instruction numbers.

[0043] Step S104: if the business instruction is finished, the target under the associated business instruction becomes the exchange water.

[0044] Step S105: determine the real-time amount summary based on the business instruction amount and the target cost level.

[0045] Specifically, determining the real-time amount summary based on the business instruction amount and the target cost exchange level may include: determining the real-time amount summary based on the business instruction amount and the target cost exchange level by the following formula: w(0 x ,T x )=λ o O x +λ r T x (o≠r).

[0046] Among them, w(O x ,T x ) is the real-time amount summary, x is the business category, λ o O x is the instruction amount of whether the business instruction corresponding to x has ended the settlement, λ o Is the parameter indicating whether the business instruction corresponding to x is ended, O x is the corresponding business instruction amount, λ r T x is the transaction amount of whether the business instruction corresponding to x has ended the settlement, λ r Is the parameter indicating whether the business instruction corresponding to x is finished, T x The target value corresponding to the business instruction corresponding to x is the exchange water value.

[0047] Among them, T x Contains T a , T b , Tc , T d , T e , T f , corresponding to bonds, funds, repurchases, asset management plans, deposits and direct financing of wealth management, and corresponding to the summary of all transaction amounts incurred on the day for each business category.

[0048] If the business instruction is not completed, λ o is 1, λ r 0, indicating that the business instruction has not been completed, the amount on the instruction side is the basis, and the business flow on the transaction side is not counted; if the business instruction is completed, λ o is 0, λ r 1 means that the actual transaction amount will be used after the business instruction is completed, and the transaction amount on the instruction side will not be counted; o and λ r It is a mutually exclusive relationship.

[0049] Step S106, counting the daily transaction amount under product and account dimensions.

[0050] Among them, different transaction directions can be distinguished. The transaction amount of deposits and withdrawals will be calculated according to the actual delivery date. The instruction amount will not be calculated at this stage, and the actual transaction amount will be used as the basis.

[0051] Step S107, based on the predetermined daily fund position of the previous day, the real-time amount summary, the daily transaction amount and the subscription and redemption transaction amount, the real-time fund position of the day is obtained.

[0052] Among them, the predetermined intraday cash position of the previous day can be calculated with the valuation of the day to obtain the cash position at the end of the previous day, and then based on the cash position at the end of the previous day and the transaction amount of the day, the real-time amount summary, the transaction amount of the day, and the subscription and redemption transaction amount, the real-time cash position of the day can be obtained.

[0053] The method for determining the position of pre-increase and pre-decrease provided in the embodiment of the present invention can obtain the inter-bank business instructions generated by each investment system and the transaction exchange corresponding to the business instructions in real time, classify the transaction exchange based on the business mark, obtain the business category corresponding to the transaction exchange, and calculate the transaction exchange according to the product, date and account based on the business category. The amount of business instructions for the product under different accounts on the day is determined. If the business instruction ends, the target transaction exchange under the associated business instruction is determined, and the real-time amount summary is determined based on the business instruction amount and the target transaction exchange. The transaction exchange amount on the day is counted under the product and account dimensions, and the real-time fund position on the day is obtained based on the pre-determined previous day's daytime fund position, real-time amount summary, the transaction exchange amount on the day, and the subscription and redemption transaction amount. In this method, the position is controlled at the business instruction stage by the pre-increase and pre-decrease method, which ensures the real-time and accuracy of the daytime fund position.

[0054] Example 2

[0055] The embodiment of the present invention also provides another method for determining the position of pre-increase or pre-decrease; the method is implemented on the basis of the method in the above embodiment; the method focuses on describing the specific implementation method of obtaining the real-time capital position of the day based on the predetermined intraday capital position of the previous day, the real-time amount summary, the daily transaction amount and the subscription and redemption transaction amount.

[0056] Figure 2 A flowchart of another method for determining a position of pre-increase or pre-decrease provided by an embodiment of the present invention is shown in FIG. Figure 2 As shown, the real-time fund position of the day is obtained based on the predetermined fund position of the previous day, the real-time amount summary, the transaction amount of the day, and the subscription and redemption transaction amount, which may include the following steps:

[0057] Step S201, calculate the pre-determined intraday capital position of the previous day and the valuation of the current day to obtain the end-of-day capital position of the previous day.

[0058] Among them, the intraday capital position is the capital position corresponding to a certain time, and the intraday capital position of the previous day is the capital position corresponding to a certain time of the previous day.

[0059] Among them, the transaction flow of all business categories can be counted according to the product, account and date dimensions to obtain the amount of funds in the system transaction dimension of the day; then the intraday funds position of the day is calculated through the amount of funds on the day, the end-of-day funds position of the previous day and the corresponding funds adjustment flow of the day; then the funds part in the valuation file is screened out according to the valuation subject, and then it is associated with the relevant valuation data according to the product and account dimensions; then it is judged whether it is consistent with the valuation file. If the intraday funds position of the previous day calculated by the system is consistent with the funds position of the valuation file, the intraday funds position of the previous day calculated by the system will be used as the end-of-day funds position of the previous day; if the intraday funds position of the previous day calculated by the system is inconsistent with the funds position of the valuation file, the funds position of the valuation file will be used as the end-of-day funds position of the previous day, and the corresponding funds adjustment flow will be generated.

[0060] Among them, the fund adjustment flow will change in real time for different business categories and dates. The specific fund adjustment flow needs to be queried and filled in in real time when reconciliation is performed.

[0061] Specifically, the final available funds can be obtained by calculating the predetermined intraday fund position of the previous day and the valuation of the current day through the following formula: E t-1 =∑T x +∑T h-1 +∑T j-1 +E t-2 .

[0062] Among them, E t-1 T is the end-of-day capital position of the product one day before t-1; x Contains T a , T b , T c , T d , T e , T f , corresponding to the summary of all transaction amounts of bonds, funds, repurchases, asset management plans, deposits and direct financing of wealth management on the same day; ∑T h-1 T is the subscription, application and redemption transaction amount of the product on day t-1; j-1 It is the fund adjustment flow generated based on the valuation check on day t-1 and the summary of fund adjustment flow during day t-1; t-2 It is the end-of-day capital position on the day before t-2 days.

[0063] Step S202, based on the end-of-day fund position of the previous day and the transaction amount of the day, the real-time amount summary, the transaction amount of the day, and the subscription and redemption transaction amount, the real-time fund position of the day is obtained.

[0064] Specifically, the real-time fund position of the day can be obtained through the following formula based on the fund position at the end of the previous day and the transaction amount of the day, the real-time amount summary, the transaction amount of the day, and the subscription and redemption transaction amount: t =∑w(O x ,T x )+∑T h +∑T j +E t-1 .

[0065] Among them, E t is the real-time capital position on day t, ∑w(O x ,T x ) is the sum of the real-time amounts corresponding to each business category, ∑T h is the subscription and redemption transaction amount of the product on day t, ∑T j To adjust the flow of funds, E t-1 It is the end-of-day capital position of the product one day before t-1 day.

[0066] Among them, ∑w(O x ,T x ) is the available funds for bonds, funds, repurchases, asset management plans, deposits and direct financing of wealth management, which are settled on the same day based on whether the business instructions have been completed.

[0067] Furthermore, the system page can support the query of real-time capital position, business instructions, and cost exchange levels, and at the same time provide an external capital position query interface for real-time capital position query, and can check and fill in the gaps of current funds according to the end-of-day verification logic to ensure the accuracy of the capital position.

[0068] The method for determining the pre-increase and pre-decrease position provided in the embodiment of the present invention controls the capital position at the business instruction stage, overcoming the real-time and accuracy problems of the traditional settlement of capital positions according to transactions, thereby making the utilization rate of funds higher during investment and making it easier to grasp the accuracy of the capital position.

[0069] Example 3

[0070] Corresponding to the above method embodiment, the embodiment of the present invention provides a pre-increase and pre-decrease position determination device, Figure 3 A schematic diagram of the structure of a pre-increase and pre-decrease position determination device provided by an embodiment of the present invention, such as Figure 3 As shown, the pre-increase and pre-decrease position determination device may include:

[0071] The information acquisition module 301 is used to obtain in real time the business instructions generated by various investment systems and the corresponding transaction exchange rates between banks; the business instructions and transaction exchange rates are associated with corresponding products, business identifiers, accounts, dates and amount information.

[0072] The service category determination module 302 is used to classify the AC water based on the service mark to obtain the service category corresponding to the AC water.

[0073] The business instruction amount determination module 303 is used to calculate the amount of business instructions for the product under different accounts on the same day based on the business category and to calculate the amount of business instructions for the product under different accounts.

[0074] The target value exchange water association module 304 is used to associate the target value exchange water under the business instruction if the business instruction ends.

[0075] The real-time amount summary determination module 305 is used to determine the real-time amount summary based on the business instruction amount and the target cost level.

[0076] The daily transaction amount statistics module 306 is used to count the daily transaction amount under the product and account dimensions.

[0077] The fund position determination module 307 is used to obtain the real-time fund position of the day based on the predetermined fund position of the previous day, the real-time amount summary, the transaction amount of the day, and the subscription and redemption transaction amount.

[0078] The position determination device for pre-increase and pre-decrease provided by the embodiment of the present invention can obtain the inter-bank business instructions generated by each investment system and the transaction exchange corresponding to the business instructions in real time, classify the transaction exchange based on the business mark, obtain the business category corresponding to the transaction exchange, and calculate the transaction exchange according to the product, date and account based on the business category. The amount of business instructions for the product under different accounts on the day is determined. If the business instruction ends, the target transaction exchange under the associated business instruction is determined, and the real-time amount summary is determined based on the business instruction amount and the target transaction exchange. The transaction exchange amount on the day is counted under the product and account dimensions, and the real-time fund position on the day is obtained based on the pre-determined previous day's daytime fund position, real-time amount summary, the transaction exchange amount on the day, and the subscription and redemption transaction amount. In this method, the position is controlled at the business instruction stage by the pre-increase and pre-decrease method, which ensures the real-time and accuracy of the daytime fund position.

[0079] In some embodiments, the business instruction amount determination module is also used to clean the business instructions; the cleaning includes deleting the currently revoked, invalid and ended business instructions; the amounts of all currently cleaned business instructions are counted according to the product, date and account dimensions; for the buy business instructions, the current available funds are pre-deducted from the amount of the cleaned business instructions to obtain the first business instruction settlement corresponding to the incoming direction; for the sell business instructions, the current available funds are pre-added to the amount of the cleaned business instructions to obtain the second business instruction settlement corresponding to the outgoing direction; based on the first business instruction settlement and the second business instruction settlement, the business instruction amount of the account on the day under the product dimension is obtained.

[0080] In some embodiments, the real-time amount summary determination module is further used to determine the real-time amount summary based on the business instruction amount and the target cost exchange level through the following formula: x ,T x )=λ o O x +λ r T x (o≠r); where w(O x ,T x ) is the real-time amount summary, x is the business category, λ o O x is the instruction amount of whether the business instruction corresponding to x has ended the settlement, λ o Is the parameter indicating whether the business instruction corresponding to x is ended, O x is the corresponding business instruction amount, λ r T x is the transaction amount of whether the business instruction corresponding to x has ended the settlement, λ r Is the parameter indicating whether the business instruction corresponding to x is finished, T x The target value corresponding to the business instruction corresponding to x is the exchange water value.

[0081] In some embodiments, if the service instruction is not completed, o is 1, λ r If it is 0, it means that the business instruction has not been completed and the amount on the instruction side is used as the basis, and the business flow on the transaction side is not counted;

[0082] If the business instruction ends, o is 0, λ r 1, indicating that the actual transaction amount will be used after the business instruction is completed, and the instruction end flow will not be counted; where λ o and λ r It is a mutually exclusive relationship.

[0083] In some embodiments, the funds position determination module is also used to calculate the predetermined intraday funds position of the previous day with the valuation of the current day to obtain the funds position at the end of the previous day; based on the funds position at the end of the previous day and the transaction amount of the current day, the real-time amount summary, the transaction amount of the current day, and the subscription and redemption transaction amount, the real-time funds position of the current day is obtained.

[0084] In some embodiments, the fund position determination module is further used to calculate the predetermined previous day intraday fund position and the current day valuation by the following formula to obtain the final available funds: t-1 =∑T x +∑T h-1 +∑T j-1 +E t-2 ; Among them, E t-1 T is the end-of-day fund position of the product one day before t-1; x Contains T a , T b , T c , T d , T e , T f , corresponding to the summary of all transaction amounts of bonds, funds, repurchases, asset management plans, deposits and direct financing of wealth management on the same day; ∑T h-1 T is the subscription, application and redemption transaction amount of the product on day t-1; j-1 It is the daily exchange water amount generated based on the valuation verification on day t-1 and the daily exchange water amount summary between days t-1; t-2 It is the end-of-day capital position on the day before t-2 days.

[0085] In some embodiments, the fund position determination module is further used to obtain the real-time fund position of the day based on the fund position at the end of the previous day and the transaction amount of the day, the real-time amount summary, the transaction amount of the day, and the subscription and redemption transaction amount through the following formula: t =∑w(O x ,T x )+∑T h +ΣT j +E t-1 ; Among them, E t is the real-time capital position on day t, Σw(O x ,T x ) is the sum of the real-time amounts corresponding to each business category, ΣT h is the subscription and redemption transaction amount of the product on day t, ΣT j E is the amount of water exchange that day. t-1 It is the end-of-day capital position of the product one day before t-1 day.

[0086] The device provided in the embodiment of the present invention has the same implementation principle and technical effects as those of the aforementioned method embodiment. For the sake of brief description, for matters not mentioned in the device embodiment, reference may be made to the corresponding contents in the aforementioned method embodiment.

[0087] Example 4

[0088] The embodiment of the present invention also provides an electronic device for executing the above-mentioned pre-increase and pre-decrease position determination method; see Figure 4 A structural schematic diagram of an electronic device is shown, the electronic device includes a memory 400 and a processor 401, wherein the memory 400 is used to store one or more computer instructions, and the one or more computer instructions are executed by the processor 401 to implement the above-mentioned pre-increase and pre-decrease position determination method.

[0089] Further, Figure 4 The electronic device shown further includes a bus 402 and a communication interface 403 , and the processor 401 , the communication interface 403 and the memory 400 are connected via the bus 402 .

[0090] The memory 400 may include a high-speed random access memory (RAM), and may also include a non-volatile memory, such as at least one disk storage. The communication connection between the system network element and at least one other network element is realized through at least one communication interface 403 (which may be wired or wireless), and the Internet, wide area network, local area network, metropolitan area network, etc. may be used. The bus 402 may be an ISA bus, a PCI bus, or an EISA bus, etc. The 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.

[0091] The processor 401 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 401. The above processor 401 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 processor can be a microprocessor or the processor can also be any conventional processor, etc. The steps of the method disclosed in the embodiment of the present invention can be directly embodied as a hardware decoding processor for execution, or a combination of hardware and software modules in the decoding processor for execution. The software module may be located in a storage medium mature in the art, 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 400, and the processor 401 reads the information in the memory 400 and completes the steps of the method of the above embodiment in combination with its hardware.

[0092] An embodiment of the present invention further provides a computer-readable storage medium, which stores computer-executable instructions. When the computer-executable instructions are called and executed by a processor, the computer-executable instructions prompt the processor to implement the above-mentioned pre-increase and pre-decrease position determination method. The specific implementation can be found in the method embodiment, which will not be repeated here.

[0093] The computer program product for the method for determining a position for pre-increase or pre-decrease provided in an embodiment of the present invention includes a computer-readable storage medium storing a non-volatile program code executable by a processor. The instructions included in the program code can be used to execute the method described in the previous method embodiment. The specific implementation can be found in the method embodiment, which will not be described in detail here.

[0094] Those skilled in the art can clearly understand that, for the convenience and brevity of description, the specific working processes of the systems, devices and units described above can refer to the corresponding processes in the aforementioned method embodiments and will not be repeated here.

[0095] In the several embodiments provided by the present invention, it should be understood that the disclosed systems, devices and methods can be implemented in other ways. The device embodiments described above are only schematic. For example, the division of the units is only a logical function division. There may be other division methods in actual implementation. For example, multiple units or components can be combined or integrated into another system, or some features can be ignored or not executed. Another point is that the mutual coupling or direct coupling or communication connection shown or discussed can be through some communication interfaces, and the indirect coupling or communication connection of devices or units can be electrical, mechanical or other forms.

[0096] The units described as separate components may or may not be physically separated, and the components shown as units may or may not be physical units, that is, they may be located in one place or distributed on multiple network units. Some or all of the units may be selected according to actual needs to achieve the purpose of the solution of this embodiment.

[0097] In addition, each functional unit in each embodiment of the present invention may be integrated into one processing unit, or each unit may exist physically separately, or two or more units may be integrated into one unit.

[0098] If the 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 is executable 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 enabling 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 methods described in each embodiment of the present invention. The aforementioned storage medium includes: various media that can store program codes, such as a USB flash drive, a mobile hard disk, a read-only memory (ROM), a random access memory (RAM), a magnetic disk or an optical disk.

[0099] Finally, it should be noted that the above-described embodiments are only specific implementations of the present invention, which are used to illustrate the technical solutions of the present invention, rather than to limit them. The protection scope of the present invention is not limited thereto. Although the present invention is described in detail with reference to the above-mentioned embodiments, ordinary technicians in the field should understand that any technician familiar with the technical field can still modify the technical solutions recorded in the above-mentioned embodiments within the technical scope disclosed by the present invention, or can easily think of changes, 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 be included in the protection scope of the present invention. Therefore, the protection scope of the present invention shall be based on the protection scope of the claims.

Claims

1. A method for determining a position by pre-increase or pre-decrease, characterized in that: The method comprises: Real-time acquisition of inter-bank business instructions generated by various investment systems and the corresponding cost exchange rates of the business instructions; the business instructions and the cost exchange rates are associated with corresponding products, business identifiers, accounts, dates and amount information; Classifying the component exchange water based on the service mark to obtain the service category corresponding to the component exchange water; Based on the business category, the cost exchange water is calculated according to the dimensions of the product, the date and the account to increase or decrease, and the business instruction amount of the product under different accounts on the day is determined; If the business instruction is completed, the target under the business instruction is associated with the communication water; Determine a real-time amount summary based on the business instruction amount and the target cost exchange level; Statistics on the daily transaction amount of the product and account dimensions; The real-time capital position of the day is obtained based on the predetermined intraday capital position of the previous day, the real-time amount summary, the transaction amount of the day and the subscription and redemption transaction amount.

2. The method according to claim 1, characterized in that The calculation of the cost exchange amount based on the business category according to the product, date and account is performed to increase or decrease the cost exchange amount, and the amount of business instructions of the product under different accounts on the day is determined, including: Cleaning the business instructions; the cleaning includes deleting the currently revoked, invalid and ended business instructions; Count the amounts of all currently cleaned business instructions according to the product, date and account dimensions; For the business instruction of buying, the current available funds are deducted in advance from the amount of the business instruction after cleaning to obtain the first business instruction corresponding to the direction of the incoming funds; For the selling business instruction, the current available funds are added to the amount of the cleaned business instruction in advance to obtain the second business instruction corresponding to the withdrawal direction; Based on the first business instruction settlement and the second business instruction settlement, the business instruction amount of the account on the day under the product dimension is obtained.

3. The method according to claim 2, characterized in that The step of determining a real-time amount summary based on the business instruction amount and the target cost exchange level includes: The real-time amount summary is determined based on the business instruction amount and the target cost exchange level by the following formula: x ,T x )=λ o O x +λ r T x (o≠r); Among them, w(O x ,T x ) is the real-time amount summary, x is the business category, λ o O x is the instruction amount of whether the business instruction corresponding to x has ended the settlement, λ o Is the parameter indicating whether the business instruction corresponding to x is ended, O x is the corresponding business instruction amount, λ r T x is the transaction amount of whether the business instruction corresponding to x has ended the settlement, λ r Is the parameter indicating whether the business instruction corresponding to x is finished, T x The target value corresponding to the business instruction corresponding to x is the exchange water value.

4. The method according to claim 3, characterized in that If the business instruction is not completed, o is 1, λ r If it is 0, it means that the business instruction has not been completed and the amount on the instruction side is the basis, and the business flow on the transaction side is not counted; If the business instruction ends, o is 0, λ r If it is 1, it means that the actual transaction amount will be used after the business instruction is completed, and the transaction amount on the instruction end will not be counted; Among them, λ o and λ r It is a mutually exclusive relationship.

5. The method according to claim 1, characterized in that: The real-time fund position of the day is obtained based on the predetermined fund position of the previous day, the real-time amount summary, the transaction amount of the day, and the subscription and redemption transaction amount, including: Calculate the pre-determined intraday fund position of the previous day with the valuation of the current day to obtain the end-of-day fund position of the previous day; Based on the end-of-day cash position of the previous day and the transaction amount of the day, the real-time amount summary, the transaction amount of the day and the subscription and redemption transaction amount, the real-time cash position of the day is obtained.

6. The method according to claim 5, characterized in that The previously determined intraday fund position of the previous day is calculated with the valuation of the current day to obtain the final available funds, including: The final available funds are obtained by calculating the predetermined intraday fund position of the previous day and the valuation of the current day through the following formula: E t-1 =∑T x +∑T h-1 +∑T j-1 +E t-2 ; Among them, E t-1 T is the end-of-day capital position of the product one day before t-1; x Contains T a , T b , T c , T d , T e , T f , corresponding to the summary of all transaction amounts of bonds, funds, repurchases, asset management plans, deposits and direct financing of wealth management on the same day; ΣT h-1 T is the subscription, application and redemption transaction amount of the product on day t-1; j-1 It is the fund adjustment flow generated based on the valuation check on day t-1 and the summary of fund adjustment flow during day t-1; t-2 It is the end-of-day capital position on the day before t-2 days.

7. The method according to claim 6, characterized in that The real-time fund position of the day is obtained based on the fund position at the end of the previous day and the transaction amount of the day, the real-time amount summary, the transaction amount of the day and the subscription and redemption transaction amount, including: The real-time fund position of the day is obtained by the following formula based on the end-of-day fund position of the previous day and the transaction amount of the day, the real-time amount summary, the transaction amount of the day and the subscription and redemption transaction amount: E t =Σw(O x ,T x )+ΣT h +ΣT j +E t-1 ; Among them, E t is the real-time capital position on day t, Σw(O x ,T x ) is the sum of the real-time amounts corresponding to each business category, ΣT h is the subscription and redemption transaction amount of the product on day t, ∑T j To adjust the flow of funds, E t-1 It is the end-of-day capital position of the product one day before t-1 day.

8. A pre-increase and pre-decrease position determination device, characterized in that: The device comprises: An information acquisition module is used to acquire in real time the business instructions generated by each investment system and the corresponding transaction exchange water corresponding to the business instructions; the business instructions and the transaction exchange water are associated with corresponding products, business symbols, accounts, dates and amount information; A service category determination module, used for classifying the component exchange water based on the service mark to obtain the service category corresponding to the component exchange water; A business instruction amount determination module is used to calculate the amount of business instructions for the product under different accounts on the same day by calculating the increase or decrease of the cost exchange amount according to the product, date and account based on the business category; A target exchange water association module is used to associate the target exchange water under the business instruction if the business instruction ends; A real-time amount summary determination module, used to determine the real-time amount summary based on the business instruction amount and the target cost exchange level; The daily transaction amount statistics module is used to count the daily transaction amount under the product and account dimensions; The fund position determination module is used to obtain the real-time fund position of the day based on the predetermined fund position of the previous day, the real-time amount summary, the transaction amount of the day, and the subscription and redemption transaction amount.

9. An electronic device, characterized in that: It comprises 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 method for determining the pre-increase or pre-decrease position as described in any one of claims 1 to 7.

10. A computer-readable storage medium, characterized in that: The computer-readable storage medium stores computer-executable instructions. When the computer-executable instructions are called and executed by the processor, the computer-executable instructions prompt the processor to implement the method for determining the pre-increase or pre-decrease position as described in any one of claims 1 to 7.

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