Task execution method and device, equipment and medium

Abstract

The invention relates to a task execution method and device, equipment and a medium, and relates to the technical field of big data. The method comprises the following steps: executing a target task to obtain detail data of target services of various service types from a plurality of service systems of a financial institution; in response to the condition that the target service comprises a continued service, querying a service configuration parameter and a service attribute associated with the continued service; wherein the service configuration parameters comprise grace period parameters and / or interest rate parameters; according to the service configuration parameters, the service attributes and the detail data associated with the continued service, determining a resource occupation value of the continued service in a specified time period; and generating a task execution result according to the resource occupation value of the continued service. Therefore, according to the detail data of the continued service and the service configuration parameters and the service attributes configured for the continued service, the resource occupation value of the continued service in the specified time period is comprehensively calculated, and the reasonability and the accuracy of resource occupation value calculation can be improved.

Description

Technical Field

[0001] The present disclosure relates to the field of big data technology, and in particular to a task execution method, device, equipment and medium. Background Art

[0002] After the existing business of a financial institution expires, it can be renewed according to the original detailed business attributes, that is, continue to conduct business according to the original business terms, or it can be renewed according to the quantity and price parameter rules of the business configuration, that is, re-conduct business according to the new market conditions and policy-adjusted terms.

[0003] In the related technologies, in the fields of liquidity risk, interest rate risk, financial calculation, etc., it is necessary to predict the resource occupation value of the continued stock business (hereinafter referred to as the continued business) in the future. For example, according to the business attributes of the original stock business inherited by the continued business, the resource occupation value of the continued business in the future is calculated.

[0004] However, the above method of calculating resource occupancy values ​​based only on business attributes cannot guarantee the accuracy and rationality of the calculation results. Summary of the invention

[0005] The present disclosure provides a task execution method, device, equipment and medium to solve one of the technical problems in the related art at least to a certain extent. The technical solution of the present disclosure is as follows:

[0006] According to a first aspect of an embodiment of the present disclosure, there is provided a task execution method, comprising:

[0007] Executing a target task to obtain detailed data of at least one target business of a business type from multiple business systems of a financial institution; wherein the target task is used to predict the resource occupancy value of the target business in a specified period of time;

[0008] In response to the target service including a renewal service, querying a service configuration parameter and a first service attribute associated with the renewal service; wherein the service configuration parameter includes a grace period parameter and / or an interest rate parameter;

[0009] Determine, according to the service configuration parameters, the first service attributes and the detailed data associated with the continued service, the resource occupation value of the continued service in the specified time period;

[0010] A task execution result is generated according to the resource occupation value of the sequel business.

[0011] According to a second aspect of an embodiment of the present disclosure, there is provided a task execution device, including:

[0012] An execution module, used to execute a target task to obtain detailed data of a target business of at least one business type from multiple business systems of a financial institution; wherein the target task is used to predict the resource occupancy value of the target business in a specified period of time;

[0013] A query module, configured to query a service configuration parameter and a first service attribute associated with the target service in response to the target service including the renewal service; wherein the service configuration parameter includes a grace period parameter and / or an interest rate parameter;

[0014] A determination module, configured to determine a resource occupation value of the continued service in the specified time period according to a service configuration parameter, a first service attribute and detailed data associated with the continued service;

[0015] A generation module is used to generate a task execution result according to the resource occupation value of the sequel business.

[0016] According to a third aspect of an embodiment of the present disclosure, an electronic device is provided, comprising: a processor; and a memory for storing instructions executable by the processor; wherein the processor is configured to execute the instructions to implement the task execution method proposed in the above-mentioned first aspect of the present disclosure.

[0017] According to a fourth aspect of an embodiment of the present disclosure, a computer-readable storage medium is provided. When instructions in the computer-readable storage medium are executed by a processor of an electronic device, the electronic device can execute the task execution method proposed in the first aspect of the present disclosure.

[0018] According to a fifth aspect of an embodiment of the present disclosure, a computer program product is provided, comprising: a computer program, wherein when the computer program is executed by a processor, the task execution method as described in the above embodiment of the present disclosure is implemented.

[0019] The technical solution provided by the embodiments of the present disclosure brings at least the following beneficial effects:

[0020] The resource occupation value of the continued business in a specified period is calculated comprehensively based on the detailed data of the continued business, the business configuration parameters configured for the continued business (including grace period parameters and / or interest rate parameters) and the first business attributes. This can improve the rationality and accuracy of the resource occupation value calculation and meet the actual management and operational needs of financial institutions. That is, a reasonable and accurate resource occupation value will help financial institutions make accurate decisions and provide support in terms of risk management, asset-liability management, financial planning, regulatory compliance, etc.

[0021] It is to be understood that the foregoing general description and the following detailed description are exemplary and explanatory only and are not restrictive of the present disclosure. BRIEF DESCRIPTION OF THE DRAWINGS

[0022] The drawings herein are incorporated into and constitute a part of the specification, illustrate embodiments consistent with the present disclosure, and together with the description are used to explain the principles of the present disclosure, and do not constitute improper limitations on the present disclosure.

[0023] Figure 1 It is a flowchart of the task execution method shown in the first embodiment of the present disclosure.

[0024] Figure 2 It is a flowchart of a task execution method shown in the second embodiment of the present disclosure.

[0025] Figure 3 It is a flowchart of a task execution method shown in the third embodiment of the present disclosure.

[0026] Figure 4 It is a flowchart of a task execution method shown in the fourth embodiment of the present disclosure.

[0027] Figure 5 It is a flowchart of the task execution method shown in the fifth embodiment of the present disclosure.

[0028] Figure 6 It is a structural diagram of a task execution device shown in the sixth embodiment of the present disclosure.

[0029] Figure 7 It is a schematic structural diagram of an electronic device shown in an exemplary embodiment of the present disclosure. DETAILED DESCRIPTION

[0030] In order to enable ordinary persons in the art to better understand the technical solutions of the present disclosure, the technical solutions in the embodiments of the present disclosure will be clearly and completely described below in conjunction with the accompanying drawings.

[0031] It should be noted that the terms "first", "second", etc. in the specification and claims of the present disclosure and the above-mentioned drawings are used to distinguish similar objects, and are not necessarily used to describe a specific order or sequence. It should be understood that the data used in this way can be interchanged where appropriate, so that the embodiments of the present disclosure described herein can be implemented in an order other than those illustrated or described herein. The embodiments described in the following exemplary embodiments do not represent all embodiments consistent with the present disclosure. Instead, they are merely examples of devices and methods consistent with some aspects of the present disclosure as detailed in the appended claims.

[0032] It should be noted that the acquisition, storage, use, and processing of data in the technical solution disclosed in this disclosure are in compliance with the provisions of relevant laws and regulations and do not violate public order and good morals.

[0033] It should also be noted that the information (including but not limited to user device information, user personal information, etc.), data (including but not limited to data used for analysis, stored data, displayed data, etc.) and signals involved in this disclosure are all authorized by the user or fully authorized by all parties, and the collection, use and processing of relevant data must comply with relevant laws, regulations and standards of relevant countries and regions.

[0034] It should also be noted that in the embodiments of the present disclosure, certain software, components, models and other existing solutions in the industry may be mentioned, which should be regarded as exemplary. Their purpose is only to illustrate the feasibility of implementing the technical solution of the present disclosure, but it does not mean that the applicant has or will necessarily use the solution.

[0035] With resources being cash (or funds) and the resource occupancy value being cash flow (referred to as cash flow for short), such as the principal and interest cash flow for illustrative purposes, the cash flow splitting of financial institutions is to access the full data source of existing businesses, and to divide the detailed data into splitting models under different business rules (including fixed-rate liabilities, fixed-rate assets, floating-rate liabilities, floating-rate assets, current accounts, bonds, overdue, cash, credit card installments, repayment plans, and models with no maturity date, where each model has a different cash flow splitting field). The technical function of calculating the principal and interest cash flows of existing businesses in the future by measuring each detailed data according to the financial elements and behavioral models under different scenarios is used.

[0036] That is, cash flow splitting can be understood as splitting and calculating the detailed data of the stock business of different business types of financial institutions to obtain the future principal and interest cash flow of the stock business under each business type. This process can help financial institutions manage and predict their future financial status more accurately.

[0037] Among them, stock business usually refers to various financial assets and liabilities that have been carried out by financial institutions and exist on their books. These businesses have been reflected in the balance sheet of financial institutions and have clear contract terms and deadlines. Exemplarily, stock business includes but is not limited to: deposits, loans, bonds, other investments (such as stocks, funds, derivatives (such as options, futures, swaps, etc.)), other financial instruments (such as forward contracts, leases, etc.).

[0038] Currently, after the existing business expires, it can be renewed in the following two ways:

[0039] The first is to renew the business according to the original detailed business attributes, that is, after the existing business expires, financial institutions can choose to continue conducting business according to the original business terms.

[0040] Among them, the original detailed business attributes refer to the original specific terms and conditions of the existing business, including interest rate, term, repayment method, etc.

[0041] Renewal means continuing to conduct business according to the specific terms and conditions of the original business after the existing business expires.

[0042] The second is to renew the business according to the quantity and price parameter rules configured for the business, that is, to re-start the business based on the new market conditions and policy-adjusted terms.

[0043] Among them, the quantity and price parameter rules of business configuration refer to the business terms and conditions that financial institutions reset based on current market conditions, internal policies or customer needs. These parameters may include interest rates, terms, fees, etc.

[0044] Renewal means resuming business according to new quantity and price parameter rules after the existing business expires.

[0045] In the relevant technologies, the future cash flows of existing businesses and the cash flows of existing businesses upon maturity calculated by financial institutions are applied to the fields of liquidity risk and interest rate risk, but have not yet been applied to the fields of financial calculations that require higher accuracy. For financial calculations, the cash flow calculation engine has at least the following deficiencies:

[0046] 1. The existing business is reinvested at maturity according to the set amount or ratio, but the time interval between the maturity recovery and reinvestment (overdue, extension, etc.) is not taken into account, resulting in unreasonable cash flow calculation;

[0047] 2. No restrictions were imposed on the upper and lower limits of interest rates, resulting in the prices of existing and renewed businesses exceeding the upper and lower limits of the bank's actual interest rates after the benchmark curve changes;

[0048] 3. Only the curve data bound to the existing business is re-obtained on the next repricing date, and the future interest income and expenditure after the interest rate change is calculated using the new price. That is, the interest is not calculated in a targeted manner in different segments, resulting in unreasonable calculated cash flow.

[0049] In order to solve at least one of the above problems, the present disclosure proposes a task execution method, device, equipment and medium.

[0050] The following describes the task execution method, apparatus, device and medium of the embodiments of the present disclosure with reference to the accompanying drawings.

[0051] Figure 1 It is a flowchart of the task execution method shown in the first embodiment of the present disclosure.

[0052] The embodiment of the present disclosure is illustrated by an example in which the task execution method is configured in a task execution device. The task execution device can be applied to any electronic device so that the electronic device can perform the task execution function.

[0053] Among them, the electronic device can be any device with computing capabilities, such as a personal computer, a mobile terminal, a server, etc. The mobile terminal can be, for example, a vehicle-mounted device, a mobile phone, a tablet computer, a personal digital assistant, a wearable device, and other hardware devices with various operating systems, touch screens and / or display screens.

[0054] like Figure 1 As shown, the task execution method may include the following steps S11 to S14.

[0055] In step S11, a target task is executed to obtain detailed data of a target business of at least one business type from multiple business systems of a financial institution; wherein the target task is used to predict the resource occupancy value of the target business in a specified period of time.

[0056] There is no restriction on the task type of the target task. For example, the target task can be a scheduled task, an event-driven task, an asynchronous task, etc.

[0057] Among them, the target task is used to predict the resource occupancy value of various target businesses (such as existing businesses) in financial institutions within a specified time period (taking cash (or funds) as an example, the resource occupancy value can be the principal and interest cash flow), wherein the specified time period is a pre-specified time period, for example, the specified time period can be a certain time period in the future.

[0058] In the disclosed embodiment, a target task may be obtained from a task queue to be executed and executed to obtain detailed data of a target business of at least one business type from multiple business systems of a financial institution.

[0059] In step S12, in response to the target service including the renewal service, a service configuration parameter and a first service attribute associated with the renewal service are queried; wherein the service configuration parameter includes a grace period parameter and / or an interest rate parameter.

[0060] Among them, the business configuration parameters are obtained for the renewal business configuration, including grace period parameters and / or interest rate parameters; among them, the grace period parameters are used to indicate the number of grace days after the renewal business expires; the interest rate parameters include the upper and lower limits of the interest rate or the upper and lower limits of the spread of the renewal business.

[0061] Among them, the first business attribute refers to the business attribute of the original stock business inherited by the successor business (all attributes except the interest rate).

[0062] In the embodiment of the present disclosure, when the target service includes a continued service, the service configuration parameters and service attributes (referred to as first service attributes in the present disclosure) associated with the continued service may be queried.

[0063] In step S13, the resource occupation value of the continued service in a specified period is determined according to the service configuration parameters, the first service attributes and the detailed data associated with the continued service.

[0064] In the embodiment of the present disclosure, the detailed data of the continued service, the service configuration parameters associated with the continued service, and the first service attribute may be integrated to calculate the resource occupation value of the continued service in a specified period.

[0065] In step S14, a task execution result is generated according to the resource occupancy value of the subsequent business.

[0066] In the embodiment of the present disclosure, the task execution result may be generated according to the resource occupancy value of the continued service, that is, the task execution result includes the resource occupancy value of the continued service.

[0067] The task execution method of the disclosed embodiment comprehensively calculates the resource occupation value of the renewed business within a specified time period based on the detailed data of the renewed business, the business configuration parameters configured for the renewed business (including grace period parameters and / or interest rate parameters) and the first business attribute, which can improve the rationality and accuracy of the resource occupation value calculation and meet the actual management and operating needs of financial institutions. That is, reasonable and accurate resource occupation values ​​can help financial institutions to make accurate decisions and provide support in terms of risk management, asset-liability management, financial planning, regulatory compliance, etc.

[0068] The present disclosure provides another task execution method. Figure 2 It is a flowchart of a task execution method shown in the second embodiment of the present disclosure.

[0069] It should be noted that the task execution method can be executed alone, or it can be executed in combination with any embodiment of the present disclosure or a possible implementation method in an embodiment, or it can be executed in combination with any technical solution in the relevant technology, and the embodiments of the present disclosure are not limited to this.

[0070] like Figure 2 As shown, the task execution method may include the following steps S21 to S26.

[0071] In step S21, a target task is executed to obtain detailed data of a target business of at least one business type from multiple business systems of a financial institution.

[0072] The target task is used to predict the resource occupancy value of the target business within a specified period of time.

[0073] In step S22, in response to the target service including the continued service, the service configuration parameters and the first service attribute associated with the continued service are queried.

[0074] The service configuration parameters include grace period parameters and / or interest rate parameters.

[0075] For explanations of steps S21 to S22, reference may be made to the relevant descriptions in any embodiment of the present disclosure and will not be repeated here.

[0076] In step S23, the due date of the continued service within the specified period is determined according to the first service attribute.

[0077] In the embodiment of the present disclosure, the expiration date of the continued service within a specified period may be determined according to the first service attribute of the original stock service inherited by the continued service.

[0078] In step S24, the interest value date of the renewed business is determined according to the due date and grace period parameters.

[0079] In the disclosed embodiment, the value date of the renewed business may be calculated based on the due date and grace period parameters of the renewed business.

[0080] As an example, the value date = the maturity date + the number of grace days indicated by the grace period parameter.

[0081] In step S25, the resource occupation value of the continued service in the specified time period is determined according to the value date, the first service attribute and the detailed data.

[0082] In the disclosed embodiment, the value date of the continued service, the first service attribute and the detailed data may be integrated to calculate the resource occupation value of the continued service within a specified period.

[0083] In step S26, a task execution result is generated according to the resource occupancy value of the subsequent business.

[0084] For the explanation of step S26, please refer to the relevant description in any embodiment of the present disclosure, which will not be repeated here.

[0085] As a first possible implementation manner of any embodiment of the present disclosure, the task execution result may also be persistently stored.

[0086] For example, the resource occupation value of the target business of each business type in the task execution result can be stored in a data warehouse or a special financial management system within the financial institution for future analysis and reporting.

[0087] As a second possible implementation manner of any one of the embodiments of the present disclosure, a business report may also be generated according to the task execution result.

[0088] For example, based on the needs within the financial institution, an automated or semi-automated process may be used to generate a business report containing resource occupancy values ​​of target businesses of each business type in the task execution results, wherein the resource occupancy values ​​may be used as key indicators in the business report.

[0089] As a third possible implementation manner of any embodiment of the present disclosure, the task execution result may also be visualized.

[0090] For example, the task execution results may be displayed through a dashboard so that relevant personnel of the financial institution can intuitively view the resource occupancy value of the target business of each business type.

[0091] As a fourth possible implementation manner of any embodiment of the present disclosure, the task execution result may also be sent to a designated account or a designated device.

[0092] Exemplarily, the task execution result including the resource occupancy value of the target business of each business type can be sent to a designated account or designated device associated with relevant personnel of the financial institution. For example, the task execution result including the resource occupancy value of the target business of each business type can be sent to a designated account or designated device associated with relevant personnel of the financial department, so that these relevant personnel can check the accuracy of the data and make corresponding financial planning decisions based on it; for another example, the task execution result including the resource occupancy value of the target business of each business type can be sent to a designated account or designated device associated with relevant personnel of the risk management department, so that these relevant personnel can conduct risk assessment, especially liquidity risk and market risk.

[0093] It should be noted that, in actual application, the above-mentioned several possible implementation methods may be executed simultaneously, and the embodiments of the present disclosure do not limit this.

[0094] In summary, the above-mentioned methods are used to synchronize the task execution results of the resource occupancy values ​​of the target business of each business type, which not only improves the accessibility and availability of data, but also enhances decision support, optimizes resource allocation, and strengthens risk management, which helps to achieve more efficient, transparent and sustainable operations.

[0095] The task execution method of the disclosed embodiment simulates the time interval from the expiration and recovery to the reinvestment of the renewed business by setting the grace period parameters of the renewed business, and can take into account actual business scenarios such as overdue and extension, so as to recalculate the value date of the renewed business based on the grace period parameters configured for the renewed business, and calculate the resource occupation value of the renewed business in the specified time period based on the value date, the first business attributes and the detailed data, thereby improving the accuracy and reliability of the calculation results.

[0096] The present disclosure provides another task execution method. Figure 3 It is a flowchart of a task execution method shown in the third embodiment of the present disclosure.

[0097] It should be noted that the task execution method can be executed alone, or it can be executed in combination with any embodiment of the present disclosure or a possible implementation method in an embodiment, or it can be executed in combination with any technical solution in the relevant technology, and the embodiments of the present disclosure are not limited to this.

[0098] like Figure 3 As shown, the task execution method may include the following steps S301 to S310.

[0099] In step S301, a target task is executed to obtain detailed data of a target business of at least one business type from multiple business systems of a financial institution.

[0100] The target task is used to predict the resource occupancy value of the target business within a specified period of time.

[0101] In step S302, in response to the target service including the continued service, a service configuration parameter and a first service attribute associated with the continued service are queried.

[0102] The service configuration parameters include grace period parameters and / or interest rate parameters.

[0103] In step S303, the due date of the continued service within the specified period is determined according to the first service attribute.

[0104] In step S304, the interest value date of the renewed business is determined according to the due date and grace period parameters.

[0105] For explanations of steps S301 to S304, reference may be made to the relevant descriptions in any embodiment of the present disclosure, and will not be repeated here.

[0106] In step S305, according to the first service attribute, it is determined whether the continued service is a fixed-rate service. If so, step S306 is executed; if not, steps S307 to S309 are executed.

[0107] It should be noted that step S306 and steps S307 to S309 are two parallel implementation methods. In actual application, only one needs to be executed.

[0108] In step S306, the first interest rate of the continued service is obtained from the first service attribute, and the resource occupation value of the continued service in the specified time period is determined according to the first interest rate, the interest value date and the detailed data.

[0109] In an embodiment of the present disclosure, when the first business attribute indicates that the renewed business is a fixed-rate business, the actual fixed interest rate of the renewed business (referred to as the first interest rate in the present disclosure) can be obtained from the first business attribute, and based on the first interest rate, interest accrual date and detailed data of the renewed business, the resource occupancy value of the renewed business within the specified time period can be calculated.

[0110] Taking the renewal business as an example of loan business, the resource occupation value can include the interest income from the recovered re-loan within a specified period. Assuming that the grace period parameter is 15 days, the loan due within the year is re-loaned after a 15-day grace period. The following formula can be used to calculate the interest income:

[0111] Interest income = calculation period for recovering refinancing / 360×first interest rate×book balance of loan business / (1+VAT rate); (1)

[0112] Calculation period for recovering refinancing = year-end - interest value date = year-end - maturity date - number of grace days indicated by the grace period parameter; (2)

[0113] In formula (2), the end date of the specified period is taken as the end of the year.

[0114] In any one of the embodiments of the present disclosure, it is also possible to determine whether the first interest rate of the renewal business is between the upper and lower interest rates in the interest rate parameters. If so, the resource occupancy value of the renewal business within the specified time period is calculated directly based on the first interest rate, the interest accrual date and the detailed data. If not, the resource occupancy value of the renewal business within the specified time period is calculated based on the interest rate parameters, the interest accrual date and the detailed data.

[0115] As an example, when the first interest rate of the renewal business is higher than the interest rate cap in the interest rate parameter, the resource occupancy value of the renewal business within the specified period can be determined based on the interest rate cap, interest accrual date and detailed data.

[0116] Taking the renewal business as an example of loan business, the resource occupation value may include the interest income from the re-loan within a specified period. When the actual first interest rate of the renewal business is higher than the interest rate cap, the following formula may be used to calculate the interest income:

[0117] Interest income = calculation period for recovering refinancing / 360 × interest rate cap × book balance of loan business / (1 + value-added tax rate); (3)

[0118] As an example, when the first interest rate of the renewal business is lower than the interest rate floor in the interest rate parameter, the resource occupancy value of the renewal business within the specified period can be determined based on the interest rate floor, interest accrual date and detailed data.

[0119] Taking the renewal business as an example of loan business, the resource occupation value may include the interest income from the re-loan within a specified period. When the actual first interest rate of the renewal business is lower than the interest rate floor, the following formula may be used to calculate the interest income:

[0120] Interest income = calculation period for recovering refinancing / 360 × interest rate floor × book balance of loan business / (1 + value-added tax rate); (4)

[0121] Therefore, by limiting the upper and lower limits of the interest rate for the renewal business, and based on the relationship between the actual first interest rate of the renewal business and the upper and lower limits of the interest rate, a targeted calculation method is adopted to calculate the resource occupancy value of the renewal business within a specified period, which can further improve the rationality and accuracy of the resource occupancy value calculation.

[0122] In step S307, the base interest rate and the first floating spread associated with the renewal business are queried.

[0123] The first floating spread may be a positive spread (positive value) or a negative spread (negative value), and the embodiment of the present disclosure does not limit this.

[0124] In the embodiment of the present disclosure, when the first business attribute indicates that the renewal business is a non-fixed interest rate business, the base interest rate and floating spread (referred to as the first floating spread in the present disclosure) associated with the renewal business can be further queried. For example, the base interest rate is, for example, 4.3%, and the first floating spread is, for example, 10 BPs (Basis Points, where 1 basis point equals 0.01%, and 10 BPs represents 0.10%).

[0125] In step S308, a second interest rate for the renewal business is determined according to the base interest rate, the first floating spread and the interest rate parameter.

[0126] In the embodiment of the present disclosure, the second interest rate of the renewal business can be calculated by combining the base interest rate, the first floating spread and the interest rate parameter.

[0127] In any embodiment of the present disclosure, when the interest rate parameter includes a spread upper limit and a spread lower limit, the second interest rate of the renewal business can be calculated by following steps A to E:

[0128] Step A: Determine whether the first floating spread is between the spread upper limit and the spread lower limit in the interest rate parameter. If so, execute step B; if not, execute step C.

[0129] It should be noted that step B and step C are two parallel implementation methods. In actual application, only one needs to be executed.

[0130] Step B: If the first floating spread is between the upper limit and the lower limit, the second interest rate of the renewal business is calculated based on the benchmark interest rate and the first floating spread, for example, the second interest rate = benchmark interest rate + first floating spread.

[0131] Step C: Determine whether the first floating spread is greater than the spread upper limit, if so, execute step D, if not, execute step E.

[0132] It should be noted that step D and step E are two parallel implementation methods. In actual application, only one needs to be executed.

[0133] Step D: If the first floating spread is greater than the spread cap, the second interest rate for the renewal business is determined based on the spread cap and the benchmark interest rate, for example, the second interest rate = benchmark interest rate + spread cap.

[0134] Step E: If the first floating spread is not greater than the upper limit of the spread, further determine whether the first floating spread is less than the lower limit of the spread. If so, that is, the first floating spread is less than the lower limit of the spread, then determine the second interest rate of the renewal business according to the lower limit of the spread and the benchmark interest rate, for example, the second interest rate = benchmark interest rate + lower limit of the spread; if not, that is, the first floating spread is between the upper limit of the spread and the lower limit of the spread, then determine the second interest rate of the renewal business according to the benchmark interest rate and the first floating spread, for example, the second interest rate = benchmark interest rate + first floating spread.

[0135] Therefore, by limiting the upper and lower limits of the spread of the renewal business, and adopting a targeted calculation method to calculate the second interest rate of the renewal business based on the relationship between the actual floating spread of the renewal business and the upper and lower limits of the spread, the rationality and accuracy of the calculation of the second interest rate can be improved.

[0136] In any embodiment of the present disclosure, when the interest rate parameter includes an interest rate cap and an interest rate floor, the second interest rate can be calculated by following steps A' to F':

[0137] Step A': Determine the floating interest rate of the renewal business according to the base interest rate and the first floating spread, for example, the floating interest rate = base interest rate + the first floating spread.

[0138] Step B': Determine whether the floating interest rate is between the interest rate upper limit and the interest rate lower limit in the interest rate parameter. If so, execute step C'; if not, execute step D'.

[0139] It should be noted that step C' and step D' are two parallel implementation methods. In actual application, only one needs to be executed.

[0140] Step C': If the floating interest rate is between the interest rate cap and the interest rate floor, the floating interest rate is used as the second interest rate.

[0141] Step D': Determine whether the floating interest rate is greater than the interest rate cap. If so, execute step E'; if not, execute step F'.

[0142] It should be noted that step E' and step F' are two parallel implementation methods. In actual application, only one needs to be executed.

[0143] Step E': If the floating interest rate is greater than the interest rate cap, the interest rate cap is used as the second interest rate.

[0144] Step F': If the floating interest rate is less than the interest rate floor, the interest rate floor is used as the second interest rate.

[0145] Therefore, by limiting the upper and lower limits of the interest rate for the renewal business and adopting a targeted calculation method to calculate the second interest rate for the renewal business based on the relationship between the actual floating interest rate of the renewal business and the upper and lower limits of the interest rate, the rationality and accuracy of the calculation of the second interest rate can be improved.

[0146] In step S309, the resource occupation value of the continued service in the specified time period is determined according to the second interest rate, the interest value date and the detailed data.

[0147] In the disclosed embodiment, the second interest rate, interest value date and detailed data of the renewal business can be integrated to calculate the resource occupation value of the renewal business in a specified period of time.

[0148] Taking the loan business as an example, the resource occupation value may include the interest income from the re-loan during a specified period. The following formula may be used to calculate the interest income:

[0149] Interest income = calculation period for recovering refinancing / 360×second interest rate×book balance of loan business / (1+VAT rate); (5)

[0150] The calculation method for the repayment period of the refinancing is referred to in formula (2), which will not be elaborated here.

[0151] In step S310, a task execution result is generated according to the resource occupancy value of the subsequent business.

[0152] For the explanation of step S310, reference may be made to the relevant description in any embodiment of the present disclosure, and will not be repeated here.

[0153] The task execution method of the disclosed embodiment, for a renewal business with a non-fixed interest rate, calculates the second interest rate of the renewal business by comprehensively considering the base interest rate, the first floating spread and the interest rate parameters of the renewal business, thereby improving the rationality of the calculation of the second interest rate, and then calculating the resource occupancy value of the renewal business within a specified period based on the reasonable second interest rate, interest accrual date and detailed data, thereby improving the accuracy and reliability of the calculation results.

[0154] The present disclosure provides another task execution method. Figure 4 It is a flowchart of a task execution method shown in the fourth embodiment of the present disclosure.

[0155] It should be noted that the task execution method can be executed alone, or it can be executed in combination with any embodiment of the present disclosure or a possible implementation method in an embodiment, or it can be executed in combination with any technical solution in the relevant technology, and the embodiments of the present disclosure are not limited to this.

[0156] like Figure 4 As shown, the task execution method may include the following steps S41 to S47.

[0157] In step S41, a target task is executed to obtain detailed data of a target business of at least one business type from multiple business systems of a financial institution.

[0158] The target task is used to predict the resource occupancy value of the target business within a specified period of time.

[0159] In step S42, in response to the target service including the continued service, the service configuration parameters and the first service attribute associated with the continued service are queried.

[0160] The service configuration parameters include grace period parameters and / or interest rate parameters.

[0161] In step S43, the resource occupation value of the continued service in the specified time period is determined according to the service configuration parameters, the first service attributes and the detailed data associated with the continued service.

[0162] For explanations of steps S41 to S43, reference may be made to the relevant descriptions in any embodiment of the present disclosure and will not be repeated here.

[0163] In step S44, in response to the target service also including a repricing service, a reference curve and a repricing frequency bound to the repricing service are queried.

[0164] Among them, the benchmark curve is used to indicate the floating trend of the quoted interest rate of the repricing business on each repricing date. For example, taking the repricing business as an example of the loan business, the quoted interest rate can be LPR (Loan Prime Rate, loan market quoted interest rate), and the benchmark curve can be used to indicate that the LPR of the loan business remains unchanged from January to May, the LPR in June is reduced by 10BPs, the LPR in July-August remains unchanged, the LPR in September is reduced by 10BPs, and the LPR from September to the end of the year remains unchanged.

[0165] Among them, the repricing frequency is used to indicate the time interval between two adjacent repricing dates. For example, if the previous repricing date is February 26, 2024, and the repricing frequency is one quarter (i.e., quarterly repricing), then the next repricing date will be May 26, 2024.

[0166] In the embodiment of the present disclosure, when the target service also includes a repricing service, the reference curve and the repricing frequency bound to the repricing service may be queried.

[0167] In step S45, the execution interest rate of each repricing date of the repricing service within the specified period is determined according to the second service attribute associated with the repricing service, the benchmark curve and the repricing frequency.

[0168] In an embodiment of the present disclosure, the repricing dates of the repricing business within a specified period can be calculated based on the repricing frequency and the previous repricing date of the repricing business, and the execution interest rate of the repricing business on each repricing date within the specified period can be calculated based on the business attributes associated with the repricing business (recorded as the second business attributes in the present disclosure) and the benchmark curve.

[0169] In step S46, the resource occupation value of the repricing business incurred in the specified period is determined according to the execution interest rate of each repricing date and the detailed data of the repricing business.

[0170] In the disclosed embodiment, the resource occupancy value of the repricing business in the specified period can be calculated based on the execution interest rate of each repricing day of the repricing business in the specified period and the detailed data associated with the repricing business.

[0171] Taking the resource occupancy value as the interest cash flow as an example, the interest can be calculated in segments according to the execution interest rates and detailed data of multiple repricing dates, and the interests calculated in segments are accumulated to obtain the interest cash flow in the specified period.

[0172] In step S47, a task execution result is generated according to the resource occupation value of the repricing service and the resource occupation value of the continued service.

[0173] In the disclosed embodiment, the task execution result can be generated based on the resource occupancy value of the repricing business and the resource occupancy value of the continuation business at the same time, that is, the task execution result includes both the resource occupancy value of the repricing business within the specified time period and the resource occupancy value of the continuation business within the specified time period.

[0174] The task execution method of the disclosed embodiment specifically calculates the execution interest rate of the repricing business on each repricing day within a specified time period, and calculates the resource occupation value of the repricing business within the specified time period based on the execution interest rate on each repricing day and the detailed data of the repricing business. This can accurately measure the impact of interest rate changes on resource occupation values ​​(such as interest income and expenditure) and improve the accuracy and rationality of resource occupation value calculation.

[0175] The present disclosure provides another task execution method. Figure 5 It is a flowchart of the task execution method shown in the fifth embodiment of the present disclosure.

[0176] It should be noted that the task execution method can be executed alone, or it can be executed in combination with any embodiment of the present disclosure or a possible implementation method in an embodiment, or it can be executed in combination with any technical solution in the relevant technology, and the embodiments of the present disclosure are not limited to this.

[0177] like Figure 5 As shown, the task execution method may include the following steps S501 to S510.

[0178] In step S501, a target task is executed to obtain detailed data of a target business of at least one business type from multiple business systems of a financial institution.

[0179] The target task is used to predict the resource occupancy value of the target business within a specified period of time.

[0180] In step S502, in response to the target service including the continued service, a service configuration parameter and a first service attribute associated with the continued service are queried.

[0181] The service configuration parameters include grace period parameters and / or interest rate parameters.

[0182] In step S503, the resource occupation value of the continued service in a specified period is determined according to the service configuration parameters, the first service attributes and the detailed data associated with the continued service.

[0183] In step S504, in response to the target service further including a repricing service, a reference curve and a repricing frequency bound to the repricing service are queried.

[0184] Among them, the benchmark curve is used to indicate the floating trend of the quoted interest rate of the repricing business on each repricing date.

[0185] For explanations of steps S501 to S504, reference may be made to the relevant descriptions in any embodiment of the present disclosure, and will not be repeated here.

[0186] In step S505, the repricing dates of the repricing service within the specified period are determined according to the repricing frequency and the last repricing date of the repricing service.

[0187] As an example, take the last repricing date of the repricing business as November 26, 2023, and the designated period as the whole year of 2024. Assuming that the repricing frequency is one quarter (i.e., quarterly repricing), the repricing dates of the repricing business within the designated period are February 26, 2024, May 26, 2024, August 26, 2024, and November 26, 2024, respectively.

[0188] In step S506, the quoted interest rates of the repricing business on each repricing day within the specified period are determined based on the quoted interest rate of the repricing business on the previous repricing day and the floating trend indicated by the benchmark curve.

[0189] As an example, for any repricing date, the quoted interest rate on the previous repricing date and the floating spread on the repricing date indicated by the benchmark curve can be used as the quoted interest rate on the repricing date.

[0190] Still taking the above example, assuming that the repricing business is a loan business, the quoted interest rate can be LPR, and the LPR of the loan business on the previous repricing date is 4.3%, the benchmark curve of the loan business indicates that the LPR from January to May 2024 remains unchanged, the LPR in June is reduced by 10BPs (where 10BPs represents 0.10%), the LPR from July to August remains unchanged, the LPR in September is reduced by 10BPs, and the LPR from September to the end of the year remains unchanged, then: the LPR of the loan business from January 1 to May 25, 2024 remains at 4.3%; since the benchmark curve indicates that the LPR in May is unchanged, and the LPR will only be updated on the repricing date, the LPR from May 26 to the next The LPR on the day before the repricing date (August 25) remained unchanged at 4.3%; since the benchmark curve indicates that the LPR in June will be reduced by 10BPs, the LPR on the next repricing date on May 26 (August 26) needs to be reduced by 10BPs, that is, the LPR on August 26 is updated to 4.2%. At this time, the LPR from August 26 to November 25 remains unchanged at 4.2%; since the benchmark curve indicates that the LPR in September will be reduced by 10BPs, the LPR on the next repricing date on August 26 (November 26) needs to be reduced by 10BPs, that is, updated to 4.1%. At this time, the LPR from November 26 to December 31 remains unchanged at 4.1%.

[0191] Step S507: acquiring a second floating spread of the repricing business based on a second business attribute associated with the repricing business.

[0192] As an example, the floating spread of the repricing business (referred to as the second floating spread in this disclosure) can be obtained from the second business attribute. Still taking the above example as an example, assuming that the balance indicated by the second business attribute of the loan business is 100 million yuan, and the pricing condition is 5 years or more LPR + 50BPs, the second floating spread can be 50BPs = 0.5%.

[0193] As another example, the second floating spread of the repricing business may be obtained from the detailed data of the repricing business, that is, the detailed data may carry the floating spread.

[0194] Step S508, determining the execution interest rate of each repricing day of the repricing business within the specified period according to the quoted interest rate and the second floating spread of each repricing day of the repricing business within the specified period.

[0195] As an example, the execution rate on any repricing date = the quoted rate on that repricing date + the second floating spread.

[0196] Still taking the above example, the execution interest rates for the loan business on February 26 and May 26, 2024 are 4.3% + 0.5% = 4.8%, the execution interest rate on August 26 is 4.2% + 0.5% = 4.7%, and the execution interest rate on November 26 is 4.1 + 0.5% = 4.6%.

[0197] In step S509, the resource occupation value of the repricing business incurred in the specified period is determined according to the execution interest rate of each repricing date and the detailed data of the repricing business.

[0198] For the explanation of step S509, reference may be made to the relevant description in any embodiment of the present disclosure, and no further details will be given here.

[0199] Taking the above example as an example, the interest income of the loan business in 2024 (in billion yuan) = (January 1-August 25) × (4.3% + 0.5%) / 360 × 1 + (August 26-November 25) × (4.2% + 0.5%) / 360 × 1 + (November 26-December 31) × (4.1% + 0.5%) / 360 × 1.

[0200] In step S510, a task execution result is generated according to the resource occupation value of the repricing service and the resource occupation value of the continued service.

[0201] For explanation of step S510, reference may be made to the relevant description in any embodiment of the present disclosure, and will not be repeated here.

[0202] The task execution method of the disclosed embodiment comprehensively considers the quoted interest rate of the repricing business on the previous repricing day, the benchmark curve, and the floating interest rate of the repricing business, and calculates the execution interest rate of the repricing business on each repricing day within a specified period, which can improve the rationality and accuracy of the execution interest rate calculation on each repricing day.

[0203] In any embodiment of the present disclosure, taking the resource occupation value as the principal and interest cash flow as an example, the present disclosure proposes a task execution method for cash flow measurement that can be applied to financial budget analysis of financial institutions, which mainly includes the following parts:

[0204] Part 1: Support the configuration of grace period parameters for renewal business. That is, grace period processing is performed for renewal business, and new grace period parameters are added.

[0205] In the case of renewal of existing business upon expiration, the renewed business inherits all the attributes of the original existing business (except interest rate). The value date of the renewed business is the date calculated by combining the expiration date of the original existing business with the grace period parameters, and the other attributes are the same as the original existing business; the cash flow generated by the entire newly renewed business is the same as the renewal method of the original existing business until the expiration of the business, and the business will continue to be rolled over and renewed when it expires until the end of the simulation cycle (referred to as the designated period in this disclosure).

[0206] Example: For the recovery of re-loan interest income from loan business, assuming that the loan due within the year is re-loaned after a 15-day grace period, and is defaulted to a fixed-rate loan, and the business identifiers of various types remain the same as before the due date, then:

[0207] Interest income = calculation period for recovering re-loans / 360×interest rate×book balance / (1+VAT rate);

[0208] Among them, term processing: For loans due within the year, the calculation term for recovering refinancing = year-end - due date - number of grace days indicated by the grace period parameter;

[0209] Among them, each period of the repayment plan needs to take into account the grace period parameters and calculate interest in installments.

[0210] The second part supports the configuration of interest rate limits or spread limits for renewal business. For example, the spread limits or interest rate limits for renewal of existing business can be controlled through the parameter table.

[0211] As an example, the business personnel of a financial institution can configure the upper and lower limits of the spread for various business products and various maturities. The data processing before the cash flow splitting will modify the floating spread on the renewal details that exceeds the upper limit of the spread to the configured upper limit of the spread, and modify the floating spread below the lower limit of the spread to the configured lower limit of the spread. This operation is only for the renewal part, and the existing repricing spread remains unchanged. If the business personnel do not configure the upper and lower limits of the spread, the floating spread on the original detail data is used for calculation.

[0212] The third part supports multiple repricing simulations, supports configuring future curve data (such as the benchmark curve) for existing businesses, processes each repricing date of future cash flows to associate with future curve data, and calculates interest income in segments. That is, each repricing date of future cash flows can be processed to associate with future curve data, and calculate interest income in segments.

[0213] The execution rate remains unchanged during the current repricing period, and the repricing date is derived according to the previous repricing date and repricing frequency until the end of the simulation period. When renewing and repricing, the benchmark curve of the nearest repricing date is obtained, and the sum of the floating spread carried on the account is used as the calculated new execution rate.

[0214] For example: For a certain loan, the balance is 100 million yuan, the pricing conditions are LPR above 5 years + 50BPs, the maturity date is 2024, and it is reset quarterly. The next reset date is February 26, 2023. Then the reset dates in 2023 are May 26, 2023, August 26, 2023, and November 26, 2023 respectively. Assuming that the LPR on January 1, 2023 is 4.3%, and the benchmark curve indicates that the LPR remains unchanged from January to May, the LPR in June decreases by 10BPs, the LPR in July-August remains unchanged, and the LPR in September decreases by 10BPs, and remains unchanged at the end of the year, then the interest income of the loan in 2023 = (January 1-August 25)×(4.3%+0.5%) / 360×1+(August 26-November 25)×(4.2%+0.5%) / 360×1+(November 26-December 31)×(4.1%+0.5%) / 360×1.

[0215] In summary, the task execution method provided by the present disclosure has at least the following advantages:

[0216] 1. By setting the grace period parameters for the renewal business, simulating the time interval from the maturity of funds to reinvestment, and considering actual business scenarios such as overdue and extension, the rationality of resource occupation value calculation can be improved;

[0217] 2. By obtaining multiple repricing date divisions and calculating interest in multiple segments, the impact of interest rate changes on interest income and expenditure can be accurately measured;

[0218] 3. For the configuration of interest rate parameters (such as interest rate caps and spread caps), limit the repricing interest rate caps and limits so that the prices of existing and renewed businesses do not exceed the actual interest rate caps and limits or spread caps of financial institutions. The effects of price caps and limits on net interest income and expenditure can be simulated and predicted.

[0219] With the above Figures 1 to 5 Corresponding to the task execution method provided in the embodiment, the present disclosure also provides a task execution device. Figures 1 to 5 The task execution method provided in the embodiment corresponds to the task execution method, so the implementation method of the task execution method is also applicable to the task execution device provided in the embodiment of the present disclosure, and will not be described in detail in the embodiment of the present disclosure.

[0220] Figure 6 It is a structural diagram of a task execution device shown in the sixth embodiment of the present disclosure.

[0221] Reference Figure 6 The task execution device 600 may include: an execution module 610, a query module 620, a determination module 630 and a generation module 640.

[0222] The execution module 610 is used to execute a target task to obtain detailed data of a target business of at least one business type from multiple business systems of a financial institution; wherein the target task is used to predict the resource occupancy value of the target business in a specified period of time;

[0223] A query module 620 is used for querying a business configuration parameter and a first business attribute associated with the renewal business in response to the target business including the renewal business; wherein the business configuration parameter includes a grace period parameter and / or an interest rate parameter;

[0224] The determination module 630 is used to determine the resource occupation value of the continued service in a specified period according to the service configuration parameters, the first service attribute and the detailed data associated with the continued service;

[0225] The generating module 640 is used to generate a task execution result according to the resource occupation value of the subsequent business.

[0226] In a possible implementation of the embodiment of the present disclosure, the determination module 630 is specifically used to: determine the expiration date of the continued business within the specified time period based on the first business attribute; determine the interest accrual date of the continued business based on the expiration date and the grace period parameter; determine the resource occupancy value of the continued business within the specified time period based on the interest accrual date, the first business attribute and the detailed data.

[0227] In a possible implementation of the embodiment of the present disclosure, the interest rate parameters include an interest rate cap and an interest rate floor; the determination module 630 is specifically used to: in response to the first business attribute indicating that the renewed business is a fixed-rate business, obtain the first interest rate of the renewed business from the first business attribute; if the first interest rate is between the interest rate cap and the interest rate floor, determine the resource occupation value of the renewed business within the specified time period based on the first interest rate, the interest value date and the detailed data; if the first interest rate is higher than the interest rate cap, determine the resource occupation value of the renewed business within the specified time period based on the interest rate cap, the interest value date and the detailed data; if the first interest rate is lower than the interest rate floor, determine the resource occupation value of the renewed business within the specified time period based on the interest rate floor, the interest value date and the detailed data.

[0228] In a possible implementation of the embodiment of the present disclosure, the determination module 630 is specifically used to: in response to the first business attribute indicating that the renewal business is a non-fixed-rate business, query the base interest rate and the first floating spread associated with the renewal business; determine the second interest rate of the renewal business based on the base interest rate, the first floating spread and the interest rate parameters; determine the resource occupancy value of the renewal business within a specified period of time based on the second interest rate, the interest accrual date and the detailed data.

[0229] In a possible implementation of the embodiment of the present disclosure, the interest rate parameters include an upper limit and a lower limit of the spread; the determination module 630 is specifically used to: if the first floating spread is between the upper limit and the lower limit of the spread, determine the second interest rate of the renewal business according to the benchmark interest rate and the first floating spread; if the first floating spread is greater than the upper limit of the spread, determine the second interest rate of the renewal business according to the upper limit of the spread and the benchmark interest rate; if the first floating spread is less than the lower limit of the spread, determine the second interest rate of the renewal business according to the lower limit of the spread and the benchmark interest rate.

[0230] In a possible implementation of the embodiment of the present disclosure, the interest rate parameters include an interest rate cap and an interest rate floor; the determination module 630 is specifically used to: determine the floating interest rate of the renewal business based on the benchmark interest rate and the first floating spread; if the floating interest rate is between the interest rate cap and the interest rate floor, the floating interest rate is used as the second interest rate; if the floating interest rate is greater than the interest rate cap, the interest rate cap is used as the second interest rate; if the floating interest rate is less than the interest rate floor, the interest rate floor is used as the second interest rate.

[0231] In a possible implementation of the embodiment of the present disclosure, the target business also includes a repricing business, and a generation module 640 is specifically used to: query the benchmark curve and repricing frequency bound to the repricing business; wherein the benchmark curve is used to indicate the floating trend of the quoted interest rate of the repricing business on each repricing date; determine the execution interest rate of the repricing business on each repricing date within a specified period based on the second business attribute associated with the repricing business, the benchmark curve and the repricing frequency; determine the resource occupancy value of the repricing business within the specified period based on the execution interest rate on each repricing date and the detailed data of the repricing business; generate a task execution result based on the resource occupancy value of the repricing business and the resource occupancy value of the continuation business.

[0232] In a possible implementation of the embodiments of the present disclosure, generation module 640 is specifically used to: determine each repricing date of the repricing business within a specified period based on the repricing frequency and the previous repricing date of the repricing business; determine the quoted interest rate for each repricing date of the repricing business within the specified period based on the quoted interest rate of the repricing business on the previous repricing date and the floating trend indicated by the benchmark curve; obtain a second floating spread for the repricing business based on a second business attribute associated with the repricing business; determine the execution interest rate for each repricing date of the repricing business within the specified period based on the quoted interest rate and the second floating spread for each repricing date of the repricing business within the specified period.

[0233] In a possible implementation of the embodiment of the present disclosure, the task execution device 600 further includes:

[0234] The processing module is used to perform at least one of the following: persistent storage of task execution results; generation of business reports based on task execution results; visual display of task execution results; and sending task execution results to a designated account or a designated device.

[0235] The task execution device of the disclosed embodiment comprehensively calculates the resource occupancy value of the renewed business within a specified time period based on the detailed data of the renewed business, the business configuration parameters configured for the renewed business (including grace period parameters and / or interest rate parameters) and the first business attribute, so as to improve the rationality and accuracy of the resource occupancy value calculation and meet the actual management and operational needs of the financial institutions. That is, a reasonable and accurate resource occupancy value helps the financial institutions to make accurate decisions and provide support in terms of risk management, asset-liability management, financial planning, regulatory compliance, etc.

[0236] In an exemplary embodiment, the present disclosure also provides an electronic device.

[0237] Among them, electronic equipment includes:

[0238] processor;

[0239] a memory for storing processor-executable instructions;

[0240] The processor is configured to execute instructions to implement the task execution method proposed in any of the aforementioned embodiments of the present disclosure.

[0241] As an example, Figure 7 is a schematic diagram of the structure of an electronic device 700 shown in an exemplary embodiment of the present disclosure, such as Figure 7 As shown, the electronic device 700 may further include:

[0242] The memory 710 and the processor 720, a bus 730 connecting different components (including the memory 710 and the processor 720), the memory 710 stores a computer program, and when the processor 720 executes the program, the task execution method described in any embodiment of the present disclosure is implemented.

[0243] Bus 730 represents one or more of several types of bus structures, including a memory bus or memory controller, a peripheral bus, an accelerated graphics port, a processor or a local bus using any of a variety of bus architectures. For example, these architectures include but are not limited to Industry Standard Architecture (ISA) bus, Micro Channel Architecture (MAC) bus, Enhanced ISA bus, Video Electronics Standards Association (VESA) local bus and Peripheral Component Interconnect (PCI) bus.

[0244] The electronic device 700 typically includes a variety of electronic device readable media. These media can be any available media that can be accessed by the electronic device 700, including volatile and non-volatile media, removable and non-removable media.

[0245] The memory 710 may also include computer system readable media in the form of volatile memory, such as random access memory (RAM) 740 and / or cache memory 750. The server 700 may further include other removable / non-removable, volatile / non-volatile computer system storage media. By way of example only, the storage system 760 may be used to read and write non-removable, non-volatile magnetic media ( Figure 7 not shown, usually called a "hard drive"). Although Figure 7Not shown, a disk drive for reading and writing to a removable non-volatile disk (e.g., a "floppy disk"), and an optical disk drive for reading and writing to a removable non-volatile optical disk (e.g., a CD-ROM, a DVD-ROM, or other optical media) may be provided. In these cases, each drive may be connected to the bus 730 via one or more data medium interfaces. The memory 710 may include at least one program product having a set (e.g., at least one) of program modules that are configured to perform the functions of the various embodiments of the present disclosure.

[0246] A program / utility 780 having a set (at least one) of program modules 770 may be stored, for example, in the memory 710, such program modules 770 including, but not limited to, an operating system, one or more application programs, other program modules, and program data, each of which or some combination may include an implementation of a network environment. The program modules 770 generally perform the functions and / or methods of the embodiments described in the present disclosure.

[0247] The electronic device 700 may also communicate with one or more external devices 790 (e.g., keyboard, pointing device, display 791, etc.), may also communicate with one or more devices that enable a user to interact with the electronic device 700, and / or communicate with any device that enables the electronic device 700 to communicate with one or more other computing devices (e.g., network card, modem, etc.). Such communication may be performed through an input / output (I / O) interface 792. Furthermore, the electronic device 700 may also communicate with one or more networks (e.g., local area network (LAN), wide area network (WAN) and / or public network, such as the Internet) through a network adapter 793. As shown, the network adapter 793 communicates with other modules of the electronic device 700 through a bus 730. It should be understood that, although not shown in the figure, other hardware and / or software modules may be used in conjunction with the electronic device 700, including but not limited to: microcode, device drivers, redundant processing units, external disk drive arrays, RAID systems, tape drives, and data backup storage systems.

[0248] The processor 720 executes various functional applications and tasks by running programs stored in the memory 710 .

[0249] It should be noted that the implementation process and technical principles of the electronic device of this embodiment refer to the aforementioned explanation of the task execution method of any embodiment of the present disclosure, and will not be repeated here.

[0250] In an exemplary embodiment, a computer-readable storage medium including instructions is also provided, such as a memory including instructions, and the above instructions can be executed by a processor of an electronic device to complete the method proposed in any of the above embodiments. Optionally, the computer-readable storage medium can be a ROM, a random access memory (RAM), a CD-ROM, a magnetic tape, a floppy disk, an optical data storage device, etc.

[0251] In an exemplary embodiment, a computer program product is also provided, including a computer program / instruction, wherein the computer program / instruction implements the method proposed in any of the above embodiments when executed by a processor.

[0252] Those skilled in the art will readily appreciate other embodiments of the present disclosure after considering the specification and practicing the invention disclosed herein. The present disclosure is intended to cover any variations, uses or adaptations of the present disclosure that follow the general principles of the present disclosure and include common knowledge or customary techniques in the art that are not disclosed in the present disclosure. The description and examples are to be considered exemplary only, and the true scope and spirit of the present disclosure are indicated by the following claims.

[0253] It should be understood that the present disclosure is not limited to the exact structures that have been described above and shown in the drawings, and that various modifications and changes may be made without departing from the scope thereof. The scope of the present disclosure is limited only by the appended claims.

Claims

1. A task execution method, characterized in that: include: Executing a target task to obtain detailed data of at least one target business of a business type from multiple business systems of a financial institution; wherein the target task is used to predict the resource occupancy value of the target business in a specified period of time; In response to the target service including a renewal service, querying a service configuration parameter and a first service attribute associated with the renewal service; wherein the service configuration parameter includes a grace period parameter and / or an interest rate parameter; Determine, according to the service configuration parameters, the first service attributes and the detailed data associated with the continued service, the resource occupation value of the continued service in the specified time period; A task execution result is generated according to the resource occupation value of the sequel business.

2. The method according to claim 1, characterized in that The determining, according to the service configuration parameters, the first service attributes and the detailed data associated with the continued service, the resource occupation value of the continued service in the specified time period includes: Determining, according to the first service attribute, a due date for the continued service within the specified period; Determine the interest value date of the renewal business according to the due date and the grace period parameters; The resource occupation value of the continued business in the specified time period is determined according to the interest value date, the first business attribute and the detailed data.

3. The method according to claim 2, characterized in that The interest rate parameters include an interest rate cap and an interest rate floor; The determining, according to the value date, the first service attribute and the detailed data, the resource occupation value of the continued service in the specified time period includes: In response to the first service attribute indicating that the continued service is a service with a fixed rate, acquiring a first interest rate of the continued service from the first service attribute; If the first interest rate is between the interest rate upper limit and the interest rate lower limit, determining the resource occupation value of the continued business in the specified time period according to the first interest rate, the interest value date and the detailed data; If the first interest rate is higher than the interest rate cap, determining the resource occupation value of the continued business in the specified time period according to the interest rate cap, the interest value date and the detailed data; If the first interest rate is lower than the interest rate floor, the resource occupation value of the continued business in the specified time period is determined according to the interest rate floor, the interest value date and the detailed data.

4. The method according to claim 2, characterized in that: The determining, according to the value date, the first service attribute and the detailed data, the resource occupation value of the continued service in the specified time period includes: In response to the first service attribute indicating that the renewed service is a service with a non-fixed interest rate, querying a base interest rate and a first floating spread associated with the renewed service; Determining a second interest rate for the renewal business according to the base interest rate, the first floating spread and the interest rate parameter; The resource occupation value of the continued business in the specified time period is determined according to the second interest rate, the interest value date and the detailed data.

5. The method according to claim 4, characterized in that The interest rate parameters include the upper limit of the spread and the lower limit of the spread; The determining the second interest rate of the renewal business according to the base interest rate, the first floating spread and the interest rate parameter includes: If the first floating spread is between the spread upper limit and the spread lower limit, determining the second interest rate of the renewal business according to the base interest rate and the first floating spread; If the first floating spread is greater than the spread cap, determining the second interest rate of the renewal business according to the spread cap and the benchmark interest rate; If the first floating spread is less than the spread lower limit, the second interest rate of the renewal business is determined according to the spread lower limit and the benchmark interest rate.

6. The method according to claim 4, characterized in that The interest rate parameters include an interest rate cap and an interest rate floor; The determining the second interest rate of the renewal business according to the base interest rate, the first floating spread and the interest rate parameter includes: Determining the floating interest rate of the continued business according to the base interest rate and the first floating spread; If the floating interest rate is between the interest rate upper limit and the interest rate lower limit, the floating interest rate is used as the second interest rate; If the floating interest rate is greater than the interest rate cap, the interest rate cap is used as the second interest rate; If the floating interest rate is less than the interest rate floor, the interest rate floor will be used as the second interest rate.

7. The method according to any one of claims 1 to 6, characterized in that The target business also includes a repricing business. The generating of the task execution result according to the resource occupation value of the sequel business includes: Querying the benchmark curve and repricing frequency bound to the repricing business; wherein the benchmark curve is used to indicate the floating trend of the quoted interest rate of the repricing business on each repricing date; Determining, according to a second service attribute associated with the repricing service, the benchmark curve and the repricing frequency, an execution interest rate for each repricing date of the repricing service within the specified period; Determine the resource occupation value of the repricing business in the specified time period according to the execution interest rate of each repricing date and the detailed data of the repricing business; The task execution result is generated according to the resource occupation value of the repricing service and the resource occupation value of the continuation service.

8. The method according to claim 7, characterized in that The step of determining the execution interest rate of each repricing date of the repricing service within the specified period according to the second service attribute associated with the repricing service, the benchmark curve and the repricing frequency includes: Determine each repricing date of the repricing business within the specified period according to the repricing frequency and the last repricing date of the repricing business; Determine the quoted interest rates of the repricing business on each repricing date within the specified period according to the quoted interest rate of the repricing business on the previous repricing date and the floating trend indicated by the benchmark curve; Based on a second business attribute associated with the repricing business, obtaining a second floating spread for the repricing business; The execution interest rate of each repricing day of the repricing business within the specified period is determined according to the quoted interest rate of each repricing day of the repricing business within the specified period and the second floating spread.

9. The method according to any one of claims 1 to 6, characterized in that: The method further comprises at least one of the following: Persistently storing the task execution results; Generate a business report based on the task execution results; Visually display the task execution results; The task execution result is sent to a specified account or a specified device.

10. A task execution device, characterized in that: include: An execution module, used to execute a target task to obtain detailed data of a target business of at least one business type from multiple business systems of a financial institution; wherein the target task is used to predict the resource occupancy value of the target business in a specified period of time; A query module, configured to query a service configuration parameter and a first service attribute associated with the target service in response to the target service including the renewal service; wherein the service configuration parameter includes a grace period parameter and / or an interest rate parameter; A determination module, configured to determine a resource occupation value of the continued service in the specified time period according to a service configuration parameter, a first service attribute and detailed data associated with the continued service; A generation module is used to generate a task execution result according to the resource occupancy value of the sequel business.

11. An electronic device, characterized in that: include: processor; a memory for storing instructions executable by the processor; The processor is configured to execute the instructions to implement the task execution method according to any one of claims 1 to 9. 12 . A computer-readable storage medium, when instructions in the computer-readable storage medium are executed by a processor of an electronic device, the electronic device is enabled to execute the task execution method according to any one of claims 1 to 9.

13. A computer program product, comprising a computer program, characterized in that When the computer program is executed by a processor, the task execution method according to any one of claims 1 to 9 is implemented.

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