Task execution method, apparatus, device, and medium

Abstract

The present disclosure relates to a task execution method, device, equipment and medium, and relates to the technical field of big data; wherein, the method comprises: executing a target task to obtain detailed data of a target business of various business types from a plurality of business systems of a financial institution; in response to the target business including a follow-up business, querying business configuration parameters and business attributes associated with the follow-up business; wherein, the business configuration parameters include a grace period parameter and / or an interest rate parameter; determining a resource occupation value of the follow-up business occurring within a specified period according to the business configuration parameters, the business attributes and the detailed data associated with the follow-up business; and generating a task execution result according to the resource occupation value of the follow-up business. Thus, according to the detailed data of the follow-up business, the business configuration parameters configured for the follow-up business and the business attributes, the resource occupation value of the follow-up business occurring within a specified period is comprehensively calculated, which can improve the rationality and accuracy of the resource occupation value calculation.

Description

Technical Field

[0001] This disclosure relates to the field of big data technology, and in particular to task execution methods, apparatus, equipment and media. Background Technology

[0002] When a financial institution's existing business expires, it can be renewed according to the original detailed business attributes, that is, to continue the business according to the original business terms, or it can be renewed according to the volume and price parameter rules configured for the business, that is, to restart the business according to the new market conditions and policy adjustments.

[0003] In related technologies, particularly in areas such as liquidity risk, interest rate risk, and financial forecasting, it is necessary to predict the future resource consumption of renewed existing business (referred to as renewed business). For example, the future resource consumption of renewed business can be calculated based on the business attributes inherited by the original existing business.

[0004] However, the above method of calculating resource usage based solely on business attributes cannot guarantee the accuracy and reasonableness of the calculation results. Summary of the Invention

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

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

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

[0008] In response to the target service including a renewal service, the system queries the service configuration parameters and the first service attribute associated with the renewal service; wherein the service configuration parameters include grace period parameters and / or interest rate parameters.

[0009] Based on the service configuration parameters, first service attributes, and detailed data associated with the continued service, determine the resource consumption value of the continued service during the specified time period;

[0010] Based on the resource consumption value of the continued service, the task execution result is generated.

[0011] According to a second aspect of the present disclosure, a task execution apparatus is provided, comprising:

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

[0013] The query module is used to query the service configuration parameters and first service attribute associated with the renewal service in response to the target service including the renewal service; wherein the service configuration parameters include grace period parameters and / or interest rate parameters;

[0014] The determination module is used to determine the resource consumption value of the continuation service within the specified time period based on the service configuration parameters, first service attributes and detailed data associated with the continuation service;

[0015] The generation module is used to generate task execution results based on the resource consumption value of the continuation service.

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

[0017] According to a fourth aspect of the present disclosure, a computer-readable storage medium is provided that, when instructions in the computer-readable storage medium are executed by a processor of an electronic device, enables the electronic device to perform the task execution method as described in the first aspect of the present disclosure.

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

[0019] The technical solutions provided by the embodiments of this disclosure have at least the following beneficial effects:

[0020] Based on the detailed data of renewal business, the business configuration parameters configured for renewal business (including grace period parameters and / or interest rate parameters), and the primary business attribute, the resource occupancy value of renewal business within a specified period can be comprehensively calculated. This can improve the rationality and accuracy of resource occupancy value calculation, and meet the actual management and operational needs of financial institutions. In other words, a reasonable and accurate resource occupancy value helps financial institutions make precise decisions and provide support in areas such as risk management, asset and liability management, financial planning, and regulatory compliance.

[0021] It should be understood that the above general description and the following detailed description are exemplary and explanatory only, and are not intended to limit this disclosure. Attached Figure Description

[0022] The accompanying drawings, which are incorporated in and form part of this specification, illustrate embodiments consistent with this disclosure and, together with the description, serve to explain the principles of this disclosure, and are not intended to unduly limit this disclosure.

[0023] Figure 1 This is a flowchart illustrating the task execution method shown in the first embodiment of this disclosure.

[0024] Figure 2 This is a flowchart illustrating the task execution method shown in the second embodiment of this disclosure.

[0025] Figure 3 This is a flowchart illustrating the task execution method shown in the third embodiment of this disclosure.

[0026] Figure 4 This is a flowchart illustrating the task execution method shown in the fourth embodiment of this disclosure.

[0027] Figure 5 This is a flowchart illustrating the task execution method shown in the fifth embodiment of this disclosure.

[0028] Figure 6 This is a schematic diagram of the structure of the task execution device shown in the sixth embodiment of this disclosure.

[0029] Figure 7 This is a schematic diagram of the structure of an electronic device shown in an exemplary embodiment of the present disclosure. Detailed Implementation

[0030] To enable those skilled in the art to better understand the technical solutions of this disclosure, the technical solutions in the embodiments of this disclosure will be clearly and completely described below with reference to the accompanying drawings.

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

[0032] It should be noted that the acquisition, storage, use, and processing of data in this disclosed technical solution comply 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, data stored, data displayed, 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 related data must comply with the relevant laws, regulations and standards of the relevant countries and regions.

[0034] It should also be noted that in the embodiments disclosed herein, certain software, components, models and other existing solutions in the industry may be mentioned. These should be considered as exemplary and are intended only to illustrate the feasibility of implementing the technical solutions disclosed herein. However, they do not mean that the applicant has used or necessarily used such solutions.

[0035] Using resources as cash (or funds) and resource occupancy as cash flow (referred to as cash flow), such as principal and interest cash flow as an example, the cash flow breakdown of financial institutions involves accessing the full data source of existing business and dividing detailed data into breakdown models under different business rules (including fixed-rate liabilities, fixed-rate assets, floating-rate liabilities, floating-rate assets, current accounts, bonds, overdue payments, cash, credit card installments, repayment plans, and models without a maturity date, where each model corresponds to different cash flow breakdown fields). Based on financial elements and behavioral models under different scenarios, each detailed data is measured to calculate the technical function of future principal and interest cash flows of existing business.

[0036] In other words, cash flow decomposition can be understood as breaking down and calculating the detailed data of a financial institution's existing business across different business types to obtain the future principal and interest cash flows for each type of existing business. This process can help financial institutions manage and predict their future financial situation more accurately.

[0037] In this context, "existing business" typically refers to various financial assets and liabilities that a financial institution has already undertaken and that are present on its balance sheet. These businesses are already reflected on the financial institution's balance sheet and have clearly defined contractual terms and terms. For example, existing business includes, but is not limited to: deposits, loans, bonds, other investments (such as stocks, funds, derivatives (such as options, futures, swaps, etc.)), and other financial instruments (such as forward contracts, leases, etc.).

[0038] Currently, existing business can be renewed in the following two ways upon expiration:

[0039] The first option is to continue the business according to the original detailed business attributes. That is, after the existing business expires, financial institutions can choose to continue to carry out the business according to the original business terms.

[0040] The original detailed business attributes refer to the original specific terms and conditions of the existing business, including interest rates, terms, repayment methods, etc.

[0041] Renewal refers to continuing business operations after the expiration of existing business, based on the specific terms and conditions of the original business.

[0042] The second option is to continue operations according to the volume and price parameters configured in the business, that is, to restart the business based on the new market conditions and the adjusted terms of the policy.

[0043] Among them, the volume and price parameter rules for 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 refers to restarting business after the expiration of existing business, based on new volume and price parameters and rules.

[0045] In related technologies, the future cash flows of existing business and the cash flows from the renewal of maturing existing business calculated by financial institutions are applied to the areas of liquidity risk and interest rate risk, but have not yet been applied to the area of ​​financial calculations where higher accuracy is required. For financial calculations, cash flow calculation engines have at least the following shortcomings:

[0046] 1. Existing business is re-incurred upon maturity according to a set amount or proportion, but the time interval between maturity recovery and reinvestment (overdue, extension, etc.) is not taken into account, resulting in unreasonable cash flow calculations;

[0047] 2. The lack of restrictions on the upper and lower limits of interest rates has resulted in the prices of existing and renewing business exceeding the upper and lower limits of the bank's actual interest rates after the benchmark curve changes.

[0048] 3. The curve data bound to the existing business is only re-acquired on the next repricing date, and the future interest income and expenditure after the interest rate change are calculated using the new price. That is, the interest is not calculated in segments, resulting in unreasonable cash flow calculation.

[0049] To address at least one of the aforementioned problems, this disclosure provides a task execution method, apparatus, device, and medium.

[0050] The task execution methods, apparatus, devices, and media of embodiments of this disclosure are described below with reference to the accompanying drawings.

[0051] Figure 1 This is a flowchart illustrating the task execution method shown in the first embodiment of this disclosure.

[0052] This disclosure illustrates the example of a task execution method configured in a task execution device, which can be applied to any electronic device to enable the electronic device to perform task execution functions.

[0053] Among them, electronic devices can be any device with computing capabilities, such as personal computers, mobile terminals, servers, etc. Mobile terminals can be hardware devices with various operating systems, touch screens and / or displays, such as in-vehicle devices, mobile phones, tablets, personal digital assistants, wearable devices, etc.

[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 at least one type of target business from multiple business systems of the financial institution; wherein, the target task is used to predict the resource consumption value of the target business within a specified time period.

[0056] There are no restrictions on the type of the target task; for example, the target task can be a scheduled task, an event-driven task, or an asynchronous task.

[0057] 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 period (taking cash (or funds) as an example, the resource occupancy value can be principal and interest cash flow). The specified period is a pre-specified time period, for example, a future time period.

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

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

[0060] The business configuration parameters are configured for renewal business and include grace period parameters and / or interest rate parameters. The grace period parameter indicates the number of grace days after the renewal business expires. The interest rate parameter includes the upper and lower limits of the interest rate or the upper and lower limits of the spread for the renewal business.

[0061] The first business attribute refers to the business attributes (all attributes except interest rate) inherited by the original existing business in the renewal business.

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

[0063] In step S13, the resource consumption value of the renewal service within a specified time period is determined based on the service configuration parameters, first service attributes, and detailed data associated with the renewal service.

[0064] In this embodiment of the disclosure, the resource consumption value of the renewal service within a specified time period can be calculated by comprehensively considering the detailed data of the renewal service, the service configuration parameters associated with the renewal service, and the first service attribute.

[0065] In step S14, the task execution result is generated based on the resource consumption value of the continuation service.

[0066] In this embodiment of the disclosure, a task execution result can be generated based on the resource consumption value of the continuation service, that is, the task execution result includes the resource consumption value of the continuation service.

[0067] The task execution method of this disclosure calculates the resource occupancy value of the renewal business within a specified period based on the detailed data of the renewal business, the business configuration parameters configured for the renewal business (including grace period parameters and / or interest rate parameters), and the first business attribute. This improves the rationality and accuracy of the resource occupancy value calculation, meeting the actual management and operational needs of financial institutions. In other words, a reasonable and accurate resource occupancy value helps financial institutions make precise decisions and provide support in areas such as risk management, asset and liability management, financial planning, and regulatory compliance.

[0068] This disclosure provides another task execution method. Figure 2 This is a flowchart illustrating the task execution method shown in the second embodiment of this disclosure.

[0069] It should be noted that the task execution method can be executed alone, or it can be executed together with any embodiment of this disclosure or any possible implementation in the embodiment, or it can be executed together with any technical solution in related technologies. The embodiments of this disclosure do not limit this.

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

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

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

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

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

[0075] The explanation of steps S21 to S22 can be found in the relevant description in any embodiment of this disclosure, and will not be repeated here.

[0076] In step S23, the expiration date of the renewal service within the specified time period is determined based on the first service attribute.

[0077] In this embodiment of the disclosure, the expiration date of the renewal service within a specified period can be determined based on the first service attribute of the original existing service inherited by the renewal service.

[0078] In step S24, the interest accrual date of the renewal business is determined based on the maturity date and grace period parameters.

[0079] In this embodiment of the disclosure, the interest accrual date of the renewal service can be calculated based on the maturity date and grace period parameters of the renewal service.

[0080] As an example, the interest accrual date = maturity date + the grace period indicated by the grace period parameter.

[0081] In step S25, the resource usage value of the renewal business within the specified time period is determined based on the interest accrual date, the first business attribute, and detailed data.

[0082] In this embodiment of the disclosure, the resource consumption value of the renewal business within a specified period can be calculated by comprehensively considering the interest accrual date, the first business attribute, and detailed data of the renewal business.

[0083] In step S26, the task execution result is generated based on the resource usage value of the continuation service.

[0084] The explanation of step S26 can be found in the relevant description in any embodiment of this disclosure, and will not be repeated here.

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

[0086] For example, the resource consumption value of the target business for each business type in the task execution result can be stored in the financial institution's internal data warehouse or dedicated financial management system for future analysis and reporting.

[0087] As a second possible implementation of any embodiment of this disclosure, a business report can also be generated based on the task execution result.

[0088] For example, based on the internal needs of financial institutions, automated or semi-automated processes can be used to generate business reports containing the resource usage values ​​of the target business for each business type in the task execution results, where the resource usage values ​​can serve as key indicators in the business reports.

[0089] As a third possible implementation of any embodiment of this disclosure, the task execution results can also be visualized.

[0090] For example, the results of task execution can be displayed on a dashboard so that relevant personnel in financial institutions can intuitively view the resource consumption of the target business for each business type.

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

[0092] For example, the task execution results, which include the resource occupancy values ​​of the target business for each business type, can be sent to designated accounts or devices associated with relevant personnel in the financial institution. For instance, sending the task execution results to designated accounts or devices associated with relevant personnel in the finance department allows these personnel to check the accuracy of the data and make corresponding financial planning decisions. Similarly, sending the task execution results to designated accounts or devices associated with relevant personnel in the risk management department enables these personnel to conduct risk assessments, particularly considering liquidity risk and market risk.

[0093] It should be noted that in practical applications, the above-mentioned possible implementation methods can be executed simultaneously, and this disclosure does not limit this.

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

[0095] The task execution method of this disclosure, by setting a grace period parameter for the renewal business, simulates the time interval between the maturity of the renewal business and reinvestment. It can take into account actual business scenarios such as overdue payments and extensions. Based on the grace period parameter configured for the renewal business, it can recalculate the interest accrual date of the renewal business, and based on the interest accrual date, the first business attribute, and detailed data, it can calculate the resource occupancy value of the renewal business within a specified period, thereby improving the accuracy and reliability of the calculation results.

[0096] This disclosure provides another task execution method. Figure 3 This is a flowchart illustrating the task execution method shown in the third embodiment of this disclosure.

[0097] It should be noted that the task execution method can be executed alone, or it can be executed together with any embodiment of this disclosure or any possible implementation in the embodiment, or it can be executed together with any technical solution in related technologies. The embodiments of this disclosure do not limit this.

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

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

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

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

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

[0103] In step S303, the expiration date of the renewal service within the specified time period is determined based on the first service attribute.

[0104] In step S304, the interest accrual date of the renewal business is determined based on the maturity date and grace period parameters.

[0105] The explanation of steps S301 to S304 can be found in the relevant description in any embodiment of this disclosure, and will not be repeated here.

[0106] In step S305, based on the first business attribute, it is determined whether the renewal business is a fixed-rate business. If yes, step S306 is executed; otherwise, 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 renewal business is obtained from the first business attribute, and the resource consumption value of the renewal business within the specified period is determined based on the first interest rate, the interest accrual date and detailed data.

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

[0110] Taking loan renewal as an example, the resource occupancy value can include the interest income from the refinancing within a specified period. Assuming a grace period parameter of 15 days, the interest income for a loan maturing within the year that is re-lent after a 15-day grace period can be calculated using the following formula:

[0111] Interest income = Calculation period for recovery and re-lending / 360 × First interest rate × Book balance of loan business / (1 + VAT rate); (1)

[0112] The calculation period for the recovery and refinancing is: year-end - interest accrual date = year-end - maturity date - grace period indicated by the grace period parameter; (2)

[0113] Formula (2) is exemplified by taking the end date of the specified period as the end of the year.

[0114] In any embodiment of this disclosure, it can also be determined whether the first interest rate of the renewal business is between the upper limit and the lower limit of the interest rate parameters. If so, the resource occupancy value of the renewal business within the specified period is calculated directly based on the first interest rate, the interest accrual date and detailed data. If not, the resource occupancy value of the renewal business within the specified period is calculated based on the interest rate parameters, the interest accrual date and detailed data.

[0115] As an example, if the initial interest rate of a renewal transaction is higher than the upper limit of the interest rate parameter, the resource consumption value of the renewal transaction within a specified period can be determined based on the upper limit of the interest rate, the interest accrual date, and detailed data.

[0116] Taking loan renewal as an example, the resource usage value can include the interest income from the refinancing within a specified period. If the actual first interest rate of the renewal is higher than the interest rate cap, the following formula can be used to calculate this interest income:

[0117] Interest income = Calculation period for recovery and re-lending / 360 × Interest rate cap × Book balance of loan business / (1 + VAT rate); (3)

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

[0119] Taking loan renewal as an example, the resource occupancy value can include the interest income from the refinancing within a specified period. If the actual first interest rate of the renewal is lower than the lower limit of the interest rate, the following formula can be used to calculate this interest income:

[0120] Interest income = Calculation period for recovery and re-lending / 360 × Lower limit of interest rate × Book balance of loan business / (1 + VAT rate); (4)

[0121] Therefore, limiting the upper and lower limits of the interest rate for renewal services, and using a targeted calculation method based on the relationship between the actual first interest rate of the renewal service and the upper and lower limits of the interest rate, can further improve the rationality and accuracy of the resource usage value calculation.

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

[0123] The first floating point difference can be a positive point difference (positive value) or a negative point difference (negative value), and this embodiment does not limit it.

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

[0125] In step S308, the second interest rate for the renewal business is determined based on the benchmark interest rate, the first floating spread, and the interest rate parameters.

[0126] In this embodiment of the disclosure, the second interest rate for the renewal business can be calculated by combining the benchmark interest rate, the first floating spread, and the interest rate parameters.

[0127] In any embodiment of this disclosure, when the interest rate parameters include an upper limit and a lower limit of the spread, the second interest rate for the renewal service can be calculated using the following steps A to E:

[0128] Step A: Determine whether the first floating spread is between the upper and lower limits of the spread in the interest rate parameters. If yes, proceed to Step B; otherwise, proceed to Step C.

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

[0130] Step B: If the first floating spread is between the upper and lower limits of the spread, then calculate the second interest rate for the renewal business 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 if the first floating spread is greater than the upper limit of the spread. If yes, proceed to step D; otherwise, proceed to step E.

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

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

[0134] Step E: If the first floating spread is not greater than the upper limit of the spread, then it is further determined whether the first floating spread is less than the lower limit of the spread. If yes, that is, the first floating spread is less than the lower limit of the spread, then the second interest rate for the renewal business is determined based on the lower limit of the spread and the benchmark interest rate. For example, the second interest rate = the benchmark interest rate + the lower limit of the spread. If no, that is, the first floating spread is between the upper limit of the spread and the lower limit of the spread, then the second interest rate for the renewal business is determined based on the benchmark interest rate and the first floating spread. For example, the second interest rate = the benchmark interest rate + the first floating spread.

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

[0136] In any embodiment of this disclosure, when the interest rate parameters include an upper limit and a lower limit, the second interest rate can be calculated using the following steps A' to F':

[0137] Step A': Determine the floating interest rate for the renewal business based on the benchmark interest rate and the first floating spread. For example, floating interest rate = benchmark interest rate + first floating spread.

[0138] Step B': Determine whether the floating interest rate is between the upper and lower limits of the interest rate parameters. If yes, proceed to step C'; otherwise, proceed to step D'.

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

[0140] Step C': If the floating rate is between the upper and lower limits of the interest rate, then the floating rate shall be used as the second interest rate.

[0141] Step D': Determine if the floating interest rate is greater than the interest rate ceiling. If yes, proceed to step E'; otherwise, proceed to step F'.

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

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

[0144] Step F': If the floating interest rate is less than the lower limit of the interest rate, then the lower limit of the interest rate shall be used as the second interest rate.

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

[0146] In step S309, the resource usage value of the renewal business within the specified period is determined based on the second interest rate, the interest accrual date, and detailed data.

[0147] In this embodiment of the disclosure, the resource consumption value of the renewal business within a specified period can be calculated by combining the second interest rate, the interest accrual date and detailed data of the renewal business.

[0148] Taking loan renewal business as an example, the resource occupancy value can include the interest income from the refinancing within a specified period. This interest income can be calculated using the following formula:

[0149] Interest income = Calculation period for recovery and re-lending / 360 × Second interest rate × Book balance of loan business / (1 + VAT rate); (5)

[0150] The calculation method for the recovery and re-lending period is based on formula (2), which will not be elaborated here.

[0151] In step S310, the task execution result is generated based on the resource usage value of the continuation service.

[0152] The explanation of step S310 can be found in the relevant description in any embodiment of this disclosure, and will not be repeated here.

[0153] The task execution method of this disclosure, for non-fixed-rate renewal business, calculates the second interest rate of the renewal business by comprehensively considering the benchmark interest rate, the first floating spread, and the interest rate parameters. This can improve the rationality of the second interest rate calculation. Furthermore, based on the reasonable second interest rate, the value date, and detailed data, the resource consumption value of the renewal business within a specified period can be calculated, thereby improving the accuracy and reliability of the calculation results.

[0154] This disclosure provides another task execution method. Figure 4 This is a flowchart illustrating the task execution method shown in the fourth embodiment of this disclosure.

[0155] It should be noted that the task execution method can be executed alone, or it can be executed together with any embodiment of this disclosure or any possible implementation in the embodiment, or it can be executed together with any technical solution in related technologies. The embodiments of this disclosure do not limit this.

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

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

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

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

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

[0161] In step S43, the resource consumption value of the renewal service within a specified time period is determined based on the service configuration parameters associated with the renewal service, the first service attribute, and detailed data.

[0162] The explanation of steps S41 to S43 can be found in the relevant description in any embodiment of this disclosure, and will not be repeated here.

[0163] In step S44, in response to the target service, the repricing service is also included, and the baseline curve and repricing frequency associated with the repricing service are queried.

[0164] The benchmark curve is used to indicate the fluctuation trend of the quoted interest rate for repricing transactions on each repricing date. For example, taking a loan transaction as an example, the quoted interest rate can be the LPR (Loan Prime Rate). The benchmark curve can be used to indicate that the LPR for this loan transaction remains unchanged from January to May, decreases by 10 basis points in June, remains unchanged from July to August, decreases by 10 basis points in September, and remains unchanged from September to the end of the year.

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

[0166] In this embodiment of the disclosure, if the target service also includes a repricing service, the baseline curve and repricing frequency associated with the repricing service can be queried.

[0167] In step S45, the execution interest rate for each repricing day within a specified period is determined based on the second business attribute associated with the repricing business, the benchmark curve, and the repricing frequency.

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

[0169] In step S46, the resource usage value of the repricing business within a specified period is determined based on the execution interest rate on each repricing date and the detailed data of the repricing business.

[0170] In this embodiment of the disclosure, the resource usage value of the repricing service during the specified period can be calculated based on the execution interest rate of the repricing service on each repricing day within the specified period and based on the detailed data associated with the repricing service.

[0171] Taking the interest cash flow based on resource occupancy value as an example, interest can be calculated in segments according to the execution rate and detailed data of multiple repricing dates, and the interest calculated in segments can be added together to obtain the interest cash flow for a specified period.

[0172] In step S47, the task execution result is generated based on the resource occupancy value of the repricing service and the resource occupancy value of the continuation service.

[0173] In this embodiment of the disclosure, the task execution result can be generated simultaneously based on the resource occupancy value of the repricing service and the resource occupancy value of the continuation service. That is, the task execution result includes both the resource occupancy value of the repricing service and the resource occupancy value of the continuation service within the specified time period.

[0174] The task execution method of this disclosure specifically calculates the execution interest rate of the repricing business on each repricing day within a specified period, and calculates the resource occupancy value of the repricing business within the specified 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 occupancy value (such as interest income and expenditure), and improve the accuracy and rationality of resource occupancy value calculation.

[0175] This disclosure provides another task execution method. Figure 5 This is a flowchart illustrating the task execution method shown in the fifth embodiment of this disclosure.

[0176] It should be noted that the task execution method can be executed alone, or it can be executed together with any embodiment of this disclosure or any possible implementation in the embodiment, or it can be executed together with any technical solution in related technologies. The embodiments of this disclosure do not limit this.

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

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

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

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

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

[0182] In step S503, the resource consumption value of the renewal service within a specified time period is determined based on the service configuration parameters associated with the renewal service, the first service attribute, and detailed data.

[0183] In step S504, in response to the target service, the repricing service is also included, and the baseline curve and repricing frequency associated with the repricing service are queried.

[0184] The benchmark curve is used to indicate the trend of the quoted interest rate for repricing transactions on each repricing date.

[0185] The explanation of steps S501 to S504 can be found in the relevant description in any embodiment of this disclosure, and will not be repeated here.

[0186] In step S505, the repricing dates for the repricing service within the specified time period are determined based on the repricing frequency and the previous repricing date of the repricing service.

[0187] As an example, taking the previous repricing date of the repricing business as November 26, 2023, and the specified period as the whole year of 2024 as an example, assuming the repricing frequency is one quarter (i.e., repricing by quarter), the repricing dates of the repricing business within the specified period are February 26, 2024, May 26, 2024, August 26, 2024, and November 26, 2024.

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

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

[0190] Continuing with the example above, suppose the repricing transaction is a loan transaction with a quoted interest rate of LPR. The LPR for this loan transaction on the previous repricing date was 4.3%. The benchmark curve for this loan transaction indicates that the LPR will remain unchanged from January to May 2024, decrease by 10 basis points (BPs) in June (where 10 BPs represents 0.10%), remain unchanged in July and August, decrease by 10 BPs in September, and remain unchanged from September to the end of the year. Therefore, the LPR for this loan transaction will remain at 4.3% from January 1st to May 25th, 2024. Since the benchmark curve indicates that the LPR will remain unchanged in May, and LPR updates only occur on the repricing date, the LPR from May 26th to the next... The LPR on the day before the repricing date (August 25) remains unchanged at 4.3%. Since the benchmark curve indicates a 10 basis point (BP) decrease in the LPR for June, the LPR on the next repricing date (August 26) needs to decrease by 10 BP, meaning the LPR on August 26 will be updated to 4.2%. At this point, the LPR from August 26 to November 25 remains unchanged at 4.2%. Since the benchmark curve indicates a 10 BP decrease in the LPR for September, the LPR on the next repricing date (November 26) needs to decrease by 10 BP, meaning it will be updated to 4.1%. At this point, the LPR from November 26 to December 31 remains unchanged at 4.1%.

[0191] Step S507: Based on the second business attribute associated with the repricing business, obtain the second floating spread of the repricing business.

[0192] As an example, the floating spread for repricing transactions (referred to as the second floating spread in this disclosure) can be obtained from the second business attribute. Continuing with the example above, assuming the balance indicated by the second business attribute of the loan transaction is RMB 100 million, and the pricing terms are 5-year LPR + 50 basis points, then the second floating spread could be 50 basis points = 0.5%.

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

[0194] Step S508: Determine the execution rate of the repricing business on each repricing day within the specified period based on the quoted interest rate and the second floating spread of the repricing business on each repricing day 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] Using the above example, the interest rate for the loan business was 4.3% + 0.5% = 4.8% on February 26 and May 26, 2024, 4.2% + 0.5% = 4.7% on August 26, and 4.1% + 0.5% = 4.6% on November 26.

[0197] In step S509, the resource usage value of the repricing business within a specified period is determined based on the execution interest rate on each repricing date and the detailed data of the repricing business.

[0198] The explanation of step S509 can be found in the relevant description in any embodiment of this disclosure, and will not be repeated here.

[0199] Using the example above, the interest income from the loan business in 2024 (in "hundred million 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, the task execution result is generated based on the resource occupancy value of the repricing service and the resource occupancy value of the continuation service.

[0201] The explanation of step S510 can be found in the relevant description in any embodiment of this disclosure, and will not be repeated here.

[0202] The task execution method of this disclosure integrates the quoted interest rate, benchmark curve, and floating interest rate of the repricing business on the previous repricing date to calculate the execution interest rate of the repricing business on each repricing date within a specified period, which can improve the rationality and accuracy of the execution interest rate calculation for each repricing date.

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

[0204] The first part supports configuring grace period parameters for renewal services. Specifically, it adds a grace period parameter for renewal services.

[0205] When existing business matures and is renewed, the renewed business inherits all attributes of the original existing business (except for the interest rate). The interest accrual date of the renewed business is the date calculated by combining the maturity date of the original existing business with the grace period parameter, and other attributes are the same as the original existing business. The cash flow generated by the new renewed business is in the same way as the renewal of the original existing business, until the business matures. When the business matures, it continues to be rolled over and repeated until the end of the simulation period (referred to as the specified period in this disclosure).

[0206] Example: Regarding the recovery of interest income from loan refinancing, assuming that a loan maturing within the year is re-lent after a 15-day grace period, and is defaulted to a fixed-rate loan, with all business identifiers remaining consistent with those before maturity, then:

[0207] Interest income = Calculation period for recovery and re-lending / 360 × Interest rate × Book balance / (1 + VAT rate);

[0208] Among them, the term handling is as follows: For loans that mature within the year, the calculation period for recovery and re-lending is calculated as follows: year-end - maturity date - number of grace days indicated by the grace period parameter;

[0209] Each installment of the repayment plan needs to take into account the grace period parameter, and interest is calculated in installments.

[0210] The second part supports configuring upper and lower limits for interest rates or spreads for renewal services. For example, the upper and lower limits for spreads or interest rates for renewing existing services can be controlled through parameter tables.

[0211] As an example, financial institution staff can configure upper and lower limits for spreads across various business products and maturities. The pre-processing of cash flow splitting will modify floating spreads exceeding the upper limit in the renewal details to the configured upper limit, and floating spreads below the lower limit to the configured lower limit. This operation only applies to the renewal portion; the repricing spread for existing loans remains unchanged. If staff have not configured upper and lower limits, the floating spreads present in the original details will be used for calculation.

[0212] Part Three: Supports multiple repricing simulations and allows configuring future curve data (such as a baseline curve) for existing business. It processes future cash flows and correlates them with future curve data for each repricing date, calculating interest income in segments. In other words, it can process future cash flows and correlate them with future curve data for each repricing date, calculating interest income in segments.

[0213] The execution rate remains unchanged during the current repricing period. The repricing date is derived from the previous repricing date and repricing frequency, and is calculated up to the end of the simulation period. When renewing or repricing, the benchmark curve for the most recent repricing date is obtained, and the sum of this curve and the floating spread carried in the account is used to calculate the new execution rate.

[0214] For example, a loan with a balance of 100 million yuan, a pricing term of 5-year LPR + 50BPs, a maturity date of 2024, and quarterly repricing, with the next repricing date being February 26, 2023, would have repricing dates of May 26, 2023, August 26, 2023, and November 26, 2023. Assuming the LPR on January 1, 2023 is 4.3%, and the benchmark curve indicates that the LPR will remain unchanged from January to May, decrease by 10 basis points in June, remain unchanged from July to August, decrease by 10 basis points in September, and remain unchanged until the end of the year, then the interest income of this loan in 2023 will be = (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 in this disclosure has at least the following advantages:

[0216] 1. By setting grace period parameters for renewal business, the time interval between the recovery of funds upon maturity and reinvestment can be simulated. Taking into account actual business scenarios such as overdue payments and extensions, the rationality of resource occupancy calculation can be improved.

[0217] 2. By obtaining multiple repricing date divisions, interest is calculated in multiple segments to accurately measure the impact of interest rate changes on interest income and expenses;

[0218] 3. For the configuration of interest rate parameters (such as the upper and lower limits of interest rates and the upper and lower limits of spreads), the upper and lower limits of repricing interest rates are restricted so that the prices of existing business and renewal business do not exceed the upper and lower limits of the financial institution's actual interest rate or spread. The effect of the upper and lower limits of prices 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 embodiments, this disclosure also provides a task execution device. Since the task execution device provided in the embodiments of this disclosure is similar to the one described above... Figures 1 to 5 The task execution method provided in the embodiments corresponds to the task execution method provided in the embodiments of this disclosure, and therefore the implementation of the task execution method is also applicable to the task execution device provided in the embodiments of this disclosure, and will not be described in detail in the embodiments of this disclosure.

[0220] Figure 6 This is a schematic diagram of the structure of the task execution device shown in the sixth embodiment of this 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 the target task to obtain detailed data of at least one type of target business from multiple business systems of the financial institution; wherein the target task is used to predict the resource consumption value of the target business within a specified period.

[0223] The query module 620 is used to query the business configuration parameters and first business attributes associated with the renewal business in response to the target business, including the renewal business; wherein, the business configuration parameters include grace period parameters and / or interest rate parameters;

[0224] The determination module 630 is used to determine the resource consumption value of the continuation service within a specified time period based on the service configuration parameters, first service attributes and detailed data associated with the continuation service;

[0225] The generation module 640 is used to generate task execution results based on the resource usage value of the continuation business.

[0226] In one possible implementation of this disclosure, the determining module 630 is specifically configured to: determine the expiration date of the renewal service within a specified period based on the first service attribute; determine the interest accrual date of the renewal service based on the expiration date and grace period parameters; and determine the resource occupancy value of the renewal service within the specified period based on the interest accrual date, the first service attribute, and detailed data.

[0227] In one possible implementation of this disclosure, the interest rate parameter includes an upper limit and a lower limit. The determining module 630 is specifically configured to: in response to a first business attribute indicating that the renewal service is a fixed-rate service, obtain a first interest rate for the renewal service from the first business attribute; if the first interest rate is between the upper limit and the lower limit, determine the resource occupancy value of the renewal service within a specified period based on the first interest rate, the value date, and detailed data; if the first interest rate is higher than the upper limit, determine the resource occupancy value of the renewal service within a specified period based on the upper limit, the value date, and detailed data; if the first interest rate is lower than the lower limit, determine the resource occupancy value of the renewal service within a specified period based on the lower limit, the value date, and detailed data.

[0228] In one possible implementation of this disclosure, the determining module 630 is specifically configured to: in response to a first business attribute indicating that the renewal business is a non-fixed interest rate business, query the benchmark interest rate and the first floating spread associated with the renewal business; determine the second interest rate of the renewal business based on the benchmark interest rate, the first floating spread and the interest rate parameter; and determine the resource usage value of the renewal business within a specified period based on the second interest rate, the value date and detailed data.

[0229] In one possible implementation of this disclosure, the interest rate parameter includes an upper limit and a lower limit of the spread; the determining module 630 is specifically used to: if the first floating spread is between the upper limit and the lower limit, determine a second interest rate for the renewal service based on the benchmark interest rate and the first floating spread; if the first floating spread is greater than the upper limit, determine a second interest rate for the renewal service based on the upper limit and the benchmark interest rate; if the first floating spread is less than the lower limit, determine a second interest rate for the renewal service based on the lower limit and the benchmark interest rate.

[0230] In one possible implementation of this disclosure, the interest rate parameters include an upper limit and a lower limit; the determining 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 upper limit and the lower limit, then the floating interest rate is used as the second interest rate; if the floating interest rate is greater than the upper limit, then the upper limit is used as the second interest rate; if the floating interest rate is less than the lower limit, then the lower limit is used as the second interest rate.

[0231] In one possible implementation of this disclosure, the target service further includes a repricing service. The generation module 640 is specifically configured to: query the benchmark curve and repricing frequency bound to the repricing service; wherein the benchmark curve indicates the fluctuation trend of the quoted interest rate of the repricing service on each repricing day; determine the execution interest rate of the repricing service on each repricing day within a specified time period based on the second service attribute associated with the repricing service, the benchmark curve, and the repricing frequency; determine the resource occupancy value of the repricing service within the specified time period based on the execution interest rate on each repricing day and the detailed data of the repricing service; and generate a task execution result based on the resource occupancy value of the repricing service and the resource occupancy value of the continuation service.

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

[0233] In one possible implementation of this disclosure, the task execution device 600 further includes:

[0234] The processing module is used to perform at least one of the following: persistently store the task execution results; generate business reports based on the task execution results; visualize the task execution results; and send the task execution results to a specified account or a specified device.

[0235] The task execution device of this disclosure calculates the resource occupancy value of the renewal business within a specified period based on the detailed data of the renewal business, the business configuration parameters configured for the renewal business (including grace period parameters and / or interest rate parameters), and the first business attribute. This can improve the rationality and accuracy of the resource occupancy value calculation and meet the actual management and operational needs of financial institutions. In other words, a reasonable and accurate resource occupancy value helps financial institutions make accurate decisions and provide support in areas such as risk management, asset and liability management, financial planning, and regulatory compliance.

[0236] In an exemplary embodiment, this disclosure also proposes an electronic device.

[0237] The electronic devices include:

[0238] processor;

[0239] Memory used to store processor-executable instructions;

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

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

[0242] The system includes a memory 710 and a processor 720, and 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, it implements the task execution method described in any embodiment of this disclosure.

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

[0244] Electronic device 700 typically includes a variety of electronic device readable media. These media can be any available media that can be accessed by 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 referred to as 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, DVD-ROM, or other optical media) may be provided. In these cases, each drive may be connected to bus 730 via one or more data media interfaces. Memory 710 may include at least one program product having a set (e.g., at least one) of program modules configured to perform the functions of the embodiments of this disclosure.

[0246] A program / utility 780 having a set (at least one) of program modules 770 may be stored in, for example, memory 710. Such program modules 770 include—but are not limited to—an operating system, one or more application programs, other program modules, and program data. Each or some combination of these examples may include an implementation of a network environment. Program modules 770 typically perform the functions and / or methods described in the embodiments of this disclosure.

[0247] Electronic device 700 can also communicate with one or more external devices 790 (e.g., keyboard, pointing device, display 791, etc.), and with one or more devices that enable a user to interact with electronic device 700, and / or with any device that enables electronic device 700 to communicate with one or more other computing devices (e.g., network card, modem, etc.). This communication can be performed via input / output (I / O) interface 792. Furthermore, electronic device 700 can also communicate with one or more networks (e.g., local area network (LAN), wide area network (WAN), and / or public networks, such as the Internet) via network adapter 793. As shown, network adapter 793 communicates with other modules of electronic device 700 via bus 730. It should be understood that, although not shown in the figures, other hardware and / or software modules can be used in conjunction with 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 in this embodiment are explained in the foregoing description of the task execution method of any embodiment of this 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 that can be executed by a processor of an electronic device to perform the method proposed in any of the above embodiments. Optionally, the computer-readable storage medium may be a ROM, random access memory (RAM), CD-ROM, magnetic tape, floppy disk, and optical data storage device, etc.

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

[0252] Other embodiments of this disclosure will readily occur to those skilled in the art upon consideration of the specification and practice of the invention disclosed herein. This disclosure is intended to cover any variations, uses, or adaptations of this disclosure that follow the general principles of this disclosure and include common knowledge or customary techniques in the art not disclosed herein. The specification and examples are to be considered exemplary only, and the true scope and spirit of this disclosure are indicated by the following claims.

[0253] It should be understood that this disclosure is not limited to the precise structures described above and shown in the accompanying drawings, and various modifications and changes can be made without departing from its scope. The scope of this disclosure is limited only by the appended claims.

Claims

1. A task execution method, characterized in that, include: The objective task is to obtain detailed data of at least one type of target business from multiple business systems of a financial institution; wherein the objective task is used to predict the resource consumption value of the target business within a specified time period. In response to the target service including a renewal service, the system queries the service configuration parameters and the first service attribute associated with the renewal service; wherein, the service configuration parameters include grace period parameters and interest rate parameters, the interest rate parameters include an upper limit interest rate and a lower limit interest rate, and the first service attribute refers to the service attribute of the original existing service inherited by the renewal service; Based on the first business attribute, determine the maturity date of the renewal service within the specified time period; based on the maturity date and the grace period parameter, determine the interest accrual date of the renewal service; in response to the first business attribute indicating that the renewal service is a fixed-rate service, obtain the first interest rate of the renewal service from the first business attribute; if the first interest rate is between the upper limit and the lower limit of the interest rate, determine the resource usage value of the renewal service within the specified time period based on the first interest rate, the interest accrual date, and the detailed data; if the first interest rate is higher than the upper limit of the interest rate, determine the resource usage value of the renewal service within the specified time period based on the upper limit of the interest rate, the interest accrual date, and the detailed data. The resource usage value of the renewal service within the specified time period is determined. If the first interest rate is lower than the lower limit of the interest rate, the resource usage value of the renewal service within the specified time period is determined based on the lower limit of the interest rate, the value accrual date, and the detailed data. In response to the first service attribute indicating that the renewal service is a non-fixed interest rate service, the benchmark interest rate and the first floating spread associated with the renewal service are queried. The second interest rate of the renewal service is determined based on the benchmark interest rate, the first floating spread, and the interest rate parameter. The resource usage value of the renewal service within the specified time period is determined based on the second interest rate, the value accrual date, and the detailed data. Based on the resource consumption value of the continued service, the task execution result is generated.

2. The method according to claim 1, characterized in that, The interest rate parameters also include an upper limit and a lower limit for the spread; The step of determining the second interest rate for the renewal service based on the benchmark interest rate, the first floating spread, and the interest rate parameter includes: If the first floating spread is between the upper limit of the spread and the lower limit of the spread, then the second interest rate of the renewal business is determined based on the benchmark interest rate and the first floating spread; If the first floating spread is greater than the spread limit, then the second interest rate for the renewal business is determined based on the spread limit and the benchmark interest rate. If the first floating spread is less than the lower limit of the spread, then the second interest rate for the renewal business is determined based on the lower limit of the spread and the benchmark interest rate.

3. The method according to claim 1, characterized in that, The step of determining the second interest rate for the renewal service based on the benchmark interest rate, the first floating spread, and the interest rate parameter includes: The floating interest rate for the renewal service is determined based on the benchmark interest rate and the first floating spread. If the floating interest rate is between the upper limit and the lower limit of the interest rate, then the floating interest rate shall be used as the second interest rate; If the floating interest rate is greater than the interest rate ceiling, then the interest rate ceiling shall be used as the second interest rate; If the floating interest rate is less than the lower limit of the interest rate, then the lower limit of the interest rate shall be used as the second interest rate.

4. The method according to any one of claims 1-3, characterized in that, The target business also includes repricing services. The step of generating task execution results based on the resource consumption value of the continued service includes: Query the benchmark curve and repricing frequency associated with the repricing service; wherein the benchmark curve is used to indicate the fluctuation trend of the quoted interest rate of the repricing service on each repricing date; Based on the second business attribute associated with the repricing business, the benchmark curve, and the repricing frequency, the execution interest rate of the repricing business on each repricing day within the specified period is determined; Based on the execution interest rate on each repricing date and the detailed data of the repricing business, determine the resource consumption value of the repricing business during the specified period. The task execution result is generated based on the resource usage of the repricing service and the resource usage of the continuation service.

5. The method according to claim 4, characterized in that, The step of determining the execution interest rate for each repricing day within the specified time period based on the second business attribute associated with the repricing business, the benchmark curve, and the repricing frequency includes: Based on the repricing frequency and the previous repricing date of the repricing service, determine each repricing date of the repricing service within the specified time period; The quoted interest rates for each repricing day of the repricing service within the specified period are determined based on the quoted interest rate of the repricing service on the previous repricing day and the floating trend indicated by the benchmark curve. Based on the second business attribute associated with the repricing business, obtain the second floating spread of the repricing business; The execution rate of the repricing service on each repricing day within the specified period is determined based on the quoted interest rate and the second floating spread of the repricing service on each repricing day within the specified period.

6. The method according to any one of claims 1-3, characterized in that, The method further includes at least one of the following: The results of the task execution are persistently stored; Based on the task execution results, generate business reports; The results of the task execution are displayed visually; Send the task execution results to the designated account or designated device.

7. A task execution device, characterized in that, include: An execution module is used to execute a target task to obtain detailed data of at least one type of target business from multiple business systems of a financial institution; wherein, the target task is used to predict the resource consumption value of the target business within a specified time period; The query module is used to query the business configuration parameters and the first business attribute associated with the renewal business in response to the target business including the renewal business; wherein, the business configuration parameters include grace period parameters and interest rate parameters, the interest rate parameters include interest rate upper limit and interest rate lower limit, and the first business attribute refers to the business attribute of the original existing business inherited by the renewal business; The determining module is configured to: determine the maturity date of the renewal service within the specified time period based on the first service attribute; determine the interest accrual date of the renewal service based on the maturity date and the grace period parameter; and, in response to the first service attribute indicating that the renewal service is a fixed-rate service, obtain the first interest rate of the renewal service from the first service attribute; if the first interest rate is between the upper limit and the lower limit of the interest rate, determine the resource usage value of the renewal service within the specified time period based on the first interest rate, the interest accrual date, and the detailed data; if the first interest rate is higher than the upper limit of the interest rate, determine the resource usage value of the renewal service within the specified time period based on the upper limit of the interest rate, the interest accrual date, and the detailed data. According to the data, the resource usage value of the renewal service within the specified period is determined. If the first interest rate is lower than the lower limit of the interest rate, the resource usage value of the renewal service within the specified period is determined based on the lower limit of the interest rate, the value accrual date, and the detailed data. In response to the first service attribute indicating that the renewal service is a non-fixed interest rate service, the benchmark interest rate and the first floating spread associated with the renewal service are queried. The second interest rate of the renewal service is determined based on the benchmark interest rate, the first floating spread, and the interest rate parameter. The resource usage value of the renewal service within the specified period is determined based on the second interest rate, the value accrual date, and the detailed data. The generation module is used to generate task execution results based on the resource consumption value of the continuation service.

8. An electronic device, characterized in that, include: processor; Memory used to store the processor's executable instructions; The processor is configured to execute the instructions to implement the task execution method as described in any one of claims 1 to 6.

9. A computer-readable storage medium, wherein when instructions in the computer-readable storage medium are executed by a processor of an electronic device, the electronic device is enabled to perform the task execution method as described in any one of claims 1 to 6.

10. A computer program product, comprising a computer program, characterized in that, When the computer program is executed by a processor, it implements the task execution method as described in any one of claims 1 to 6.

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