Financial product quota management method and device, program product and electronic equipment

Abstract

The invention discloses a limit management method and device of a financial product, a program product and electronic equipment. The method comprises the following steps: setting the total amount of a target financial product and discrete parameters for amount distribution; dividing the total quota into a first quota and a second quota, retaining the second quota in the financial institution at the highest level, and distributing the first quota to branches of the financial institutions at all levels step by step according to discrete parameters and historical sales data; and on the basis of the transaction behavior of the customer of the website of each level of financial institution, updating the quota of each level of financial institution, and when the remaining quota of the financial institution of the level where the transaction behavior is located does not meet the transaction demand, applying for the quota from the superior financial institution through the quota capture parameter. And until the quota meeting the transaction demand is applied from the second quota, or until the second quota is used up. According to the method and the device, the problem that a limit hotspot bottleneck or limit precipitation is easy to form when financial products are sold in related technologies is solved.

Description

Technical Field

[0001] The present application relates to the field of distribution, and in particular, to a method, device, program product and electronic device for managing the quota of a financial product. Background Art

[0002] After the banking system migrates from a centralized architecture to a distributed platform, trading financial products will encounter quota management problems in a high-concurrency environment.

[0003] In a distributed system, quota management is usually concentrated in the public processing layer, and it is necessary to uniformly control the quota across the country to prevent over-issuance. However, when processing quotas, related technologies either directly update the total quota, resulting in lock waiting and concurrency bottlenecks in high concurrency situations; or pre-allocate the quota equally, but this cannot effectively consider the differences in sales in different regions, resulting in unfair quota allocation, with some regions quickly running out of quotas while other regions are slow to sell, resulting in quota sedimentation.

[0004] With regard to the problem of quota hotspot bottlenecks or quota sedimentation that is easily formed when selling financial products in related technologies, no effective solution has been proposed so far. Summary of the invention

[0005] The main purpose of this application is to provide a method, device, program product and electronic device for managing the quota of a financial product, so as to solve the problem of quota hotspot bottlenecks or quota sedimentation that is easily formed when selling financial products in related technologies.

[0006] In order to achieve the above-mentioned purpose, according to one aspect of the present application, a method for managing the quota of a financial product is provided. The method includes: setting the total quota of a target financial product and discrete parameters for quota allocation, wherein the discrete parameters at least include the following parameters: a discrete factor representing the number of levels of financial institutions at all levels participating in the quota allocation, and a quota capture parameter; dividing the total quota into a first quota and a second quota, retaining the second quota in the highest-level financial institution, and allocating the first quota to the outlets of financial institutions at all levels step by step according to the discrete parameters and historical sales data; updating the quotas of financial institutions at all levels based on the transaction behaviors of customers at the outlets of financial institutions at all levels, wherein, when the remaining quota of the financial institution at the level where the transaction behavior is located does not meet the transaction requirements, applying for the quota from the superior financial institution through the quota capture parameter until the quota that meets the transaction requirements is applied for from the second quota, or until the second quota is used up.

[0007] Optionally, the discrete parameters also include an initial allocation factor that characterizes the allocation ratio of financial institutions at all levels. Allocating the second amount to outlets of financial institutions at all levels step by step according to the discrete parameters and historical sales data includes: determining whether there is historical sales data of similar products of the target financial product; if there is historical sales data of similar products, reading the historical sales data of similar products of financial institutions at all levels, determining the allocation ratio of outlets of financial institutions at all levels based on the historical sales data of similar products of financial institutions at all levels, and allocating the second amount to outlets of financial institutions at all levels step by step according to the allocation ratio; if there is no historical sales data of similar products, reading the initial allocation factor from the discrete parameters, and allocating the second amount to outlets of financial institutions at all levels step by step according to the initial allocation factor.

[0008] Optionally, updating the credit limits of financial institutions at all levels based on the transaction behaviors of customers of their outlets includes: for purchase transactions, determining the purchase credit limit based on the customer's purchase application, and querying the remaining credit limit of the target outlet; when the remaining credit limit of the target outlet is greater than or equal to the purchase credit limit, deducting the purchase credit limit from the remaining credit limit of the target outlet to obtain an updated remaining credit limit, and updating the historical sales data of the target outlet.

[0009] Optionally, updating the credit limits of financial institutions at all levels based on the transaction behaviors of customers of the outlets of financial institutions at all levels includes: for purchase transactions, determining the purchase credit limit according to the customer's purchase application, and querying the remaining credit limit of the target outlet; when the remaining credit limit of the target outlet is less than the purchase credit limit, judging whether the credit limit grabbing switch is turned on, wherein the credit limit grabbing switch is used to control the opening and closing state of the credit limit grabbing channel; when the credit limit grabbing switch is turned on, applying for credit limit from the superior financial institution according to the grabbing credit limit step in the credit limit grabbing parameter, until the credit limit applied for from the second credit limit is greater than or equal to the purchase credit limit, or until the second credit limit is less than the grabbing credit limit step; updating the second credit limit, clearing the remaining credit limit of the target outlet, and updating the historical sales data of the target outlet.

[0010] Optionally, the credit limit grabbing switch and the credit limit grabbing step are set in the following manner: when the business concurrency of the financial institution's outlets is greater than or equal to the outlet traffic threshold, the credit limit grabbing switch of the outlet is turned on; when the business concurrency of the outlets is less than the outlet traffic threshold, the credit limit grabbing switch of the outlet is turned off, and / or the credit limit grabbing step of the outlet is reduced; when the business concurrency of any level of financial institutions is greater than or equal to the traffic threshold of the corresponding level, the credit limit grabbing switch of the financial institution is turned on; when the business concurrency of the financial institution is less than the traffic threshold of the corresponding level, the credit limit grabbing switch of the financial institution is turned off, and / or the credit limit grabbing step of the financial institution is reduced.

[0011] Optionally, updating the credit limits of financial institutions at all levels based on the transaction behaviors of customers at their outlets includes: for redemption transactions, determining the redemption credit limit based on the customer's redemption application; when the redemption transaction is successfully executed, returning the redemption credit limit to the target outlet, obtaining the updated remaining credit limit, and updating the historical sales data of the target outlet; when it is determined that the redemption transaction has failed, keeping the remaining credit limit of the target outlet unchanged.

[0012] Optionally, the method further includes: performing a credit limit recovery operation during the sales suspension phase of the target financial product; and returning the credit limits of outlets of financial institutions at all levels to the highest level financial institution step by step through the credit limit recovery operation.

[0013] In order to achieve the above-mentioned purpose, according to another aspect of the present application, a quota management device for financial products is provided. The device includes: a quota and parameter setting module, which is used to set the total quota of the target financial product and the discrete parameters for quota allocation, wherein the discrete parameters at least include the following parameters: a discrete factor representing the number of levels of financial institutions at all levels participating in the quota allocation, and a quota capture parameter; a quota division and allocation module, which is used to divide the total quota into a first quota and a second quota, retain the second quota in the highest-level financial institution, and allocate the first quota to the outlets of financial institutions at all levels step by step according to the discrete parameters and historical sales data; a quota update module, which is used to update the quotas of financial institutions at all levels based on the transaction behaviors of customers at the outlets of financial institutions at all levels, wherein, when the remaining quota of the financial institution at the level of the transaction behavior does not meet the transaction requirements, the quota is applied to the superior financial institution through the quota capture parameter until the quota that meets the transaction requirements is applied for from the second quota, or until the second quota is used up.

[0014] In order to achieve the above-mentioned purpose, according to another aspect of the present application, a computer program product is provided, which includes: a non-volatile computer-readable storage medium storing a computer program, and when the computer program is executed by a processor, a method for managing the limit of a financial product is implemented.

[0015] In order to achieve the above-mentioned purpose, according to another aspect of the present application, an electronic device is provided. The device includes: a computer program is stored in a memory, and a processor is configured to execute a limit management method for financial products through the computer program.

[0016] In the embodiment of the present application, the total amount of the target financial product and the discrete parameters for the allocation of the amount are set, wherein the discrete parameters at least include the following parameters: a discrete factor characterizing the number of levels of financial institutions at all levels participating in the allocation of the amount, and a quota capture parameter; the total amount is divided into a first amount and a second amount, the second amount is reserved in the highest level financial institution, and the first amount is allocated step by step to the outlets of financial institutions at all levels according to the discrete parameters and historical sales data; the amount of financial institutions at all levels is updated based on the transaction behavior of customers at the outlets of financial institutions at all levels, wherein, when the remaining amount of the financial institution at the level of the transaction behavior does not meet the transaction demand, the amount is applied to the superior financial institution through the quota capture parameter until the amount that meets the transaction demand is applied from the second amount, or until the second amount is used up. The amount is allocated through discrete parameters and historical sales data, and the amount is applied through the quota capture parameter when the remaining amount of the financial institution does not meet the transaction demand, so as to achieve the purpose of taking into account the efficiency of concurrent sales, thereby achieving the technical effect of optimizing the transaction capacity of financial institutions, and thus solving the problem of easy formation of quota hotspot bottlenecks or quota sedimentation when selling financial products in the related technology. BRIEF DESCRIPTION OF THE DRAWINGS

[0017] The drawings constituting a part of the present application are used to provide a further understanding of the present application. The illustrative embodiments and descriptions of the present application are used to explain the present application and do not constitute an improper limitation on the present application. In the drawings:

[0018] Figure 1 It is a hardware structure block diagram of a computer terminal for implementing a quota management method for financial products;

[0019] Figure 2 It is a flow chart of a method for managing a financial product quota provided in accordance with an embodiment of the present application;

[0020] Figure 3 It is a schematic diagram of the relationship between the credit limits of three-level discrete institutions provided according to an optional embodiment of the present application;

[0021] Figure 4 The process of the optional financial product quota management method provided in the embodiment of the present application is as follows Figure 1 ;

[0022] Figure 5 The process of the optional financial product quota management method provided in the embodiment of the present application is as follows Figure 2 ;

[0023] Figure 6 The process of the optional financial product quota management method provided in the embodiment of the present application is as follows Figure 3 ;

[0024] Figure 7The process of the optional financial product quota management method provided in the embodiment of the present application is as follows Figure 4 ;

[0025] Figure 8 is a schematic diagram of a quota management device for a financial product provided according to an embodiment of the present application;

[0026] Fig. 9 It is a structural block diagram of an electronic device according to an embodiment of the present application. DETAILED DESCRIPTION

[0027] In order to enable those skilled in the art to better understand the solution of the present application, the technical solution in the embodiments of the present application will be clearly and completely described below in conjunction with the drawings in the embodiments of the present application. Obviously, the described embodiments are only part of the embodiments of the present application, not all of the embodiments. Based on the embodiments in the present application, all other embodiments obtained by ordinary technicians in this field without creative work should fall within the scope of protection of the present application.

[0028] It should be noted that the terms "first", "second", etc. in the specification and claims of the present application and the above-mentioned drawings are used to distinguish similar objects, and are not necessarily used to describe a specific order or sequence. It should be understood that the data used in this way can be interchangeable where appropriate, so that the embodiments of the present application described herein can be implemented in an order other than those illustrated or described herein. In addition, the terms "including" and "having" and any of their variations are intended to cover non-exclusive inclusions, for example, a process, method, system, product or device comprising a series of steps or units is not necessarily limited to those steps or units clearly listed, but may include other steps or units that are not clearly listed or inherent to these processes, methods, products or devices.

[0029] First of all, some nouns or terms that appear in the process of describing the embodiments of this application are subject to the following explanations: It should be noted that the collected information involved in this application, including but not limited to user device information, user personal information, etc., and data, including but not limited to data for display, data for analysis, etc., are information and data authorized by the user or fully authorized by all parties, and the collection, storage, use, processing, transmission, provision, disclosure and application of relevant data are in compliance with relevant laws, regulations and standards, necessary confidentiality measures are taken, and public order and good customs are not violated, and corresponding operation entrances are provided for users to choose to authorize or refuse. For example, an interface is set up between this system and relevant users or institutions to provide users with corresponding operation entrances for users to choose to agree or refuse the results of automated decision-making; if the user chooses to refuse, the expert decision-making process will be entered.

[0030] Example 1

[0031] According to an embodiment of the present application, an embodiment of a method for managing a limit of a financial product is also provided. It should be noted that the steps shown in the flowchart in the accompanying drawings can be executed in a computer system such as a set of computer executable instructions, and although a logical order is shown in the flowchart, in some cases, the steps shown or described can be executed in an order different from that shown here.

[0032] The method embodiment provided in the first embodiment of the present application can be executed in a mobile terminal, a computer terminal or a similar computing device. Figure 1 The hardware structure block diagram of a computer terminal for implementing a quota management method for financial products is shown in FIG. Figure 1 As shown, the computer terminal 10 (or mobile device) may include one or more ( Figure 1 The system includes a processor 102 (the processor 102 may include but is not limited to a processing device such as a microprocessor (MCU, Microcontroller Unit) or a programmable logic device (FPGA, Field-Programmable Gate Array)), a memory 104 for storing data, and a transmission device 106 for communication functions. In addition, it may also include: a display, an input / output interface (I / O interface, Input / Output interface), a universal serial bus (USB, Universal Serial Bus) port (which may be included as one of the ports of the BUS bus), a network interface, a power supply and / or a camera. It can be understood by those skilled in the art that Figure 1 The structure shown is only for illustration and does not limit the structure of the above electronic device. Figure 1 More or fewer components as shown, or with Figure 1 Different configurations are shown.

[0033] It should be noted that the one or more processors 102 and / or other data processing circuits described above may generally be referred to herein as "data processing circuits". The data processing circuits may be embodied in whole or in part as software, hardware, firmware, or any other combination thereof. In addition, the data processing circuit may be a single independent processing module, or may be incorporated in whole or in part into any of the other components in the computer terminal 10 (or mobile device). As described in the embodiments of the present application, the data processing circuit acts as a processor control (e.g., selection of a variable resistor terminal path connected to an interface).

[0034] The memory 104 can be used to store software programs and modules of application software, such as program instructions / data storage devices corresponding to the quota management method of financial products in the embodiment of the present application. The processor 102 executes various functional applications and data processing by running the software programs and modules stored in the memory 104, that is, the quota management method of financial products mentioned above is realized. The memory 104 may include a high-speed random access memory, and may also include a non-volatile memory, such as one or more magnetic storage devices, flash memory, or other non-volatile solid-state memory. In some examples, the memory 104 may further include a memory remotely arranged relative to the processor 102, and these remote memories may be connected to the computer terminal 10 via a network. Examples of the above-mentioned network include, but are not limited to, the Internet, an intranet, a local area network, a mobile communication network, and combinations thereof.

[0035] The transmission device 106 is used to receive or send data via a network. The specific example of the above network may include a wireless network provided by a communication provider of the computer terminal 10. In one example, the transmission device 106 includes a network adapter (Network Interface Controller, NIC), which can be connected to other network devices through a base station so as to communicate with the Internet. In one example, the transmission device 106 can be a radio frequency (RF) module, which is used to communicate with the Internet wirelessly.

[0036] The display may be, for example, a touch screen liquid crystal display (LCD), which may enable a user to interact with a user interface of the computer terminal 10 (or mobile device).

[0037] Under the above operating environment, this application provides Figure 2 The quota management method for the financial products shown. Figure 2 is a flow chart of a method for managing a financial product quota provided in accordance with an embodiment of the present application. Figure 2 As shown:

[0038] Step S201, setting the total quota of the target financial product and discrete parameters for quota allocation, wherein the discrete parameters at least include the following parameters: a discrete factor representing the number of levels of financial institutions at all levels participating in quota allocation, and a quota capture parameter.

[0039] Specifically, the total quota of the target financial product refers to the maximum quota that the financial product can be sold, and all allocated quotas are derived from the total quota. Discrete parameters are used for the refinement and hierarchical management of the total quota, among which discrete factors are used to define the hierarchical structure of quota allocation, such as the head office, regional financial institutions and outlets; quota capture parameters include the capture quota step length. When the remaining quota of a financial institution or outlet is insufficient to meet transaction needs, it will apply for a quota from the superior institution based on the capture quota step length.

[0040] Step S202, dividing the total amount into a first amount and a second amount, retaining the second amount in the highest level financial institution, and allocating the first amount to outlets of financial institutions at all levels step by step according to discrete parameters and historical sales data.

[0041] Specifically, when conducting transactions, the first quota will be used first. When the quota of the branch is not enough for the transaction, the second quota will be applied to the first-level financial institution. Among them, the first quota is the quota that each branch can sell directly, and the second quota is the quota reserved by the highest-level financial institution, which cannot be sold directly and can be allocated when the lower-level financial institution applies for the second quota.

[0042] Figure 3 is a schematic diagram of the relationship between the credit limits of three-level discrete institutions provided according to an embodiment of the present application, such as Figure 3 As shown, Figure 3 The figure shows the quota distribution after the quota is allocated step by step, including: the quota of the head office is allocated to the quota of each region, and the quota of each region is allocated to the quota of each branch.

[0043] Step S203, updating the credit limits of financial institutions at all levels based on the transaction behaviors of customers at their outlets, wherein, when the remaining credit limit of the financial institution at the level where the transaction behavior is located does not meet the transaction needs, applying for credit limit from the superior financial institution through credit limit capture parameters until a credit limit that meets the transaction needs is applied for from the second credit limit, or until the second credit limit is used up.

[0044] Specifically, only when the credit limit capture switch is turned on can the credit limit be applied to the superior financial institution through the credit limit capture parameters, and the size of the credit limit applied each time can be the size of the capture credit limit step.

[0045] In the embodiment of the present application, the total amount of the target financial product and the discrete parameters for allocation of the amount are set, wherein the discrete parameters at least include the following parameters: a discrete factor characterizing the number of levels of financial institutions at all levels participating in the allocation of the amount, and a quota capture parameter; the total amount is divided into a first amount and a second amount, the second amount is reserved in the highest level financial institution, and the first amount is allocated step by step to the outlets of financial institutions at all levels according to the discrete parameters and historical sales data; the amount of financial institutions at all levels is updated based on the transaction behavior of customers at the outlets of financial institutions at all levels, wherein, when the remaining amount of the financial institution at the level of the transaction behavior does not meet the transaction demand, the amount is applied to the superior financial institution through the quota capture parameter until the amount that meets the transaction demand is applied from the second amount, or until the second amount is used up. The amount is allocated through discrete parameters and historical sales data, and the amount is applied through the quota capture parameter, so as to achieve the purpose of taking into account the efficiency of concurrent sales, thereby achieving the technical effect of optimizing the transaction capacity of financial institutions, and thus solving the problem of easy formation of quota hotspot bottlenecks or quota sedimentation when selling financial products in the related technology.

[0046] In order to allocate financial products in a reasonable proportion, optionally, in the quota management method for financial products provided in the embodiment of the present application, the discrete parameter also includes an initial allocation factor that characterizes the allocation ratio of financial institutions at all levels, and allocating the second quota to the outlets of financial institutions at all levels step by step according to the discrete parameter and historical sales data includes: determining whether there is historical sales data of similar products of the target financial product; if there is historical sales data of similar products, reading the historical sales data of similar products of financial institutions at all levels, determining the allocation ratio of the outlets of financial institutions at all levels according to the historical sales data of similar products of financial institutions at all levels, and allocating the second quota to the outlets of financial institutions at all levels step by step according to the allocation ratio; if there is no historical sales data of similar products, reading the initial allocation factor from the discrete parameter, and allocating the second quota to the outlets of financial institutions at all levels step by step according to the initial allocation factor.

[0047] Specifically, the initial allocation factor is intended to provide a reference for the allocation method when there is no similar historical sales data for a financial product. The initial allocation factor can be set based on the geographical location of the financial institution, its parent organization, size, etc. For example, a financial institution located in a large city can set a larger initial allocation factor; the better the historical sales data of similar products at the outlets, the higher the allocation ratio can be determined.

[0048] Figure 4 The process of the optional financial product quota management method provided in the embodiment of the present application is as follows Figure 1 ,like Figure 4As shown, it includes the process of allocating quota from reading the head office quota to allocating it to outlets. First, read the head office quota and determine whether there is historical sales data for similar products. If so, it can be allocated with reference to the historical sales data; if not, read the initial allocation factor and allocate it according to the initial allocation factor. The objects of allocation are regions and outlets. Financial institutions can be regions, and outlets of financial institutions can be outlets. The allocation process ends after allocating to outlets.

[0049] The embodiments of the present application provide sufficient flexibility for allocating quotas for financial institutions of different levels by making reasonable use of historical sales data and initial allocation factors to cope with different market demands and sales situations.

[0050] Optionally, in the credit limit management method for financial products provided in the embodiment of the present application, updating the credit limits of financial institutions at all levels based on the transaction behaviors of customers of the outlets of financial institutions at all levels includes: for purchase transaction behaviors, determining the purchase credit limit based on the customer's purchase application, and querying the remaining credit limit of the target outlet; when the remaining credit limit of the target outlet is greater than or equal to the purchase credit limit, deducting the purchase credit limit from the remaining credit limit of the target outlet to obtain an updated remaining credit limit, and updating the historical sales data of the target outlet.

[0051] Specifically, if the remaining balance of the target outlet is greater than or equal to the purchase balance, the target outlet will still have a remaining balance after the customer makes a purchase, that is, the target outlet can support this purchase transaction; the updated remaining balance will be used in the next purchase transaction, and when the updated remaining balance is greater than or equal to the purchase balance of the next purchase transaction, the next purchase transaction can be successful; when the updated remaining balance is less than the purchase balance of the next purchase transaction, the outlet needs to request an application for a balance from the superior financial institution. It should be noted that the historical sales data of each target outlet can be used as a reference for the next proportional allocation of similar financial products.

[0052] The embodiment of the present application ensures the efficiency of quota management by querying the remaining quota, deducting the quota and updating the sales data of financial institutions at all levels. The real-time update method reduces transaction failures caused by insufficient quota, thereby improving customer experience.

[0053] Optionally, in the credit limit management method for financial products provided in the embodiments of the present application, updating the credit limits of financial institutions at all levels based on the transaction behaviors of customers of the outlets of financial institutions at all levels includes: for purchase transaction behaviors, determining the purchase credit limit according to the customer's purchase application, and querying the remaining credit limit of the target outlet; when the remaining credit limit of the target outlet is less than the purchase credit limit, determining whether the credit limit grab switch is turned on, wherein the credit limit grab switch is used to control the opening and closing state of the credit limit grab channel; when the credit limit grab switch is turned on, applying for a credit limit from a superior financial institution according to the credit limit grab step in the credit limit grab parameter, until the credit limit applied for from the second credit limit is greater than or equal to the purchase credit limit, or until the second credit limit is less than the credit limit grab step; updating the second credit limit, clearing the remaining credit limit of the target outlet, and updating the historical sales data of the target outlet.

[0054] Specifically, when the remaining credit limit of the target outlet cannot support the current purchase transaction, it will apply for credit limit from the superior financial institution. Whether the credit limit application is successful depends on whether the credit limit capture switch is turned on; the credit limit capture switch determines whether the outlet is allowed to apply for more credit limit from the superior financial institution. This switch prevents unnecessary frequent capture and ensures the timeliness of credit limit adjustment and system stability.

[0055] Figure 5 The process of the optional financial product quota management method provided in the embodiment of the present application is as follows Figure 2 ,like Figure 5 As shown, Figure 5 It shows that when a user makes a purchase transaction, the financial institution will process it accordingly based on whether the available credit limit meets the transaction limit. First, the customer initiates a subscription application, and the system queries whether the remaining credit limit of the institution is greater than or equal to the current subscription limit. If it is greater than or equal to the current subscription limit, the credit limit of the institution will be deducted and the database will be updated to record the successful subscription; if it is less than the current subscription limit, the credit limit capture switch will be queried to determine whether it is allowed to capture the credit limit from the superior institution.

[0056] If the quota grabbing switch is turned on, and it is allowed to grab quotas from superior institutions, then apply for quotas from superior financial institutions according to the grabbing quota step length until the applied quota is greater than or equal to the subscription quota, or until the amount that can be applied is less than the grabbing quota step length, and compare whether the available quota after grabbing the quota is greater than or equal to the current subscription quota. If it is greater than or equal to the current subscription quota, then deduct the quota of this institution and update the database to record the successful subscription; if it is less than the current subscription quota, then report insufficient quota and terminate the transaction. If the quota grabbing switch is turned off, and it is not allowed to grab quotas from superior institutions, then report insufficient quota and terminate the transaction.

[0057] It should be noted that when the credit limit capture step is completed, the remaining credit limit of the target outlet is cleared. The purpose of clearing the remaining credit limit of the target outlet is to prevent duplicate calculation. If the original remaining credit limit of the outlet is not cleared, duplicate calculation may occur during credit limit calculation, resulting in inaccurate credit limit information. It can also be used to accurately update historical sales data and ensure that historical sales data can accurately reflect the credit limit source and credit limit sales situation of each transaction at the outlet.

[0058] The embodiment of the present application applies for quotas. When the transaction volume demand at the target outlet is large, more quotas can be flexibly obtained from the superior institution when the quota capture switch is turned on, thereby effectively coping with sales pressure.

[0059] Optionally, in the credit limit management method for financial products provided in the embodiments of the present application, the credit limit grabbing switch and the credit limit grabbing step are set in the following manner: when the business concurrency of the financial institution's outlets is greater than or equal to the outlet traffic threshold, the credit limit grabbing switch of the outlet is turned on; when the business concurrency of the outlets is less than the outlet traffic threshold, the credit limit grabbing switch of the outlet is turned off, and / or the credit limit grabbing step of the outlet is reduced; when the business concurrency of any level of financial institutions is greater than or equal to the traffic threshold of the corresponding level, the credit limit grabbing switch of the financial institution is turned on; when the business concurrency of the financial institution is less than the traffic threshold of the corresponding level, the credit limit grabbing switch of the financial institution is turned off, and / or the credit limit grabbing step of the financial institution is reduced.

[0060] Specifically, when the step length of the quota is large, the outlets can quickly obtain sufficient quota, but it may cause the quota to be concentrated in certain outlets or institutions, or the second quota to be quickly consumed; when the step length of the quota is small, the capture speed will be slower and more time will be required to complete the transaction. Turning on the quota capture switch can alleviate the pressure of quota consumption of financial institutions and avoid transaction failures due to insufficient quotas. The purpose of turning off the capture switch is to avoid outlets continuing to apply for quotas from superiors when the business demand is small. Reducing the capture step length is to make the resource utilization of each outlet more balanced and avoid resource waste due to excessive capture steps.

[0061] The embodiment of the present application flexibly manages the credit limit grabbing behavior according to the real-time changes in business load through the setting of the credit limit grabbing switch and the credit limit grabbing step size, so as to avoid transaction interruptions due to insufficient credit at outlets, or credit limit sedimentation problems due to uneven distribution.

[0062] Optionally, in the credit limit management method for financial products provided in the embodiment of the present application, updating the credit limits of financial institutions at all levels based on the transaction behaviors of customers of the outlets of financial institutions at all levels includes: for redemption transactions, determining the redemption credit limit based on the customer's redemption application; when the redemption transaction is successfully executed, returning the redemption credit limit to the target outlet, obtaining the updated remaining credit limit, and updating the historical sales data of the target outlet; when it is judged that the redemption transaction has failed, keeping the remaining credit limit of the target outlet unchanged.

[0063] Figure 6 The process of the optional financial product quota management method provided in the embodiment of the present application is as follows Figure 3 ,like Figure 6 As shown, Figure 6 It shows the corresponding processing process of the financial institution when the customer initiates a redemption transaction. First, the customer initiates a redemption application, and the financial institution determines whether the redemption transaction is successful. If successful, the redemption amount will be returned to the financial institution, and the return and update of the amount will be recorded successfully, and the redemption transaction will be successful; if it fails, the redemption failure will be recorded, and there is no need to return the amount. It should be noted that after the redemption transaction is successful, the remaining amount of the branch will increase, and these increased amounts can also be used in purchase transactions; the failure of the redemption transaction may be due to network reasons, customer account problems, or other technical failures. At this time, the remaining amount of the branch will not change.

[0064] The embodiment of the present application provides a direct and convenient redemption transaction method by controlling the redemption transaction process, increases the diversity of financial institution services, and expands the application scenarios of the credit limit management method.

[0065] Optionally, in the credit limit management method for financial products provided in the embodiment of the present application, the method also includes: performing a credit limit recovery operation during the sales suspension phase of the target financial product; and through the credit limit recovery operation, gradually returning the credit limits of outlets of financial institutions at all levels to the highest level financial institution.

[0066] Specifically, the quotas are gradually recovered from the lowest level financial institutions (such as outlets) to higher level institutions until they are finally concentrated at the highest level. In the next sales phase, the recovered quotas will be allocated to financial institutions at all levels again, based on the historical sales data of each financial institution, including the sales data between this allocation and this recovery.

[0067] Figure 7 The process of the optional financial product quota management method provided in the embodiment of the present application is as follows Figure 4 ,like Figure 7As shown in the figure, it shows the process of financial institutions recovering the remaining quota from low to high level. During the sales suspension stage of the target financial product, financial institutions at all levels will recover the quota. First, the scheduled quota recovery process is triggered. The timing can be scheduled every day, starting from the outlets, clearing the quota and returning it to the region, and the region clearing the quota and returning it to the head office, ending the quota recovery operation.

[0068] The embodiment of the present application provides a method for recovering the credit limit of financial products step by step to ensure that the credit limit of financial institutions at all levels can be effectively managed and reallocated.

[0069] It should be noted that the steps shown in the flowcharts of the accompanying drawings can be executed in a computer system such as a set of computer executable instructions, and that, although a logical order is shown in the flowcharts, in some cases, the steps shown or described can be executed in an order different from that shown here.

[0070] Example 2

[0071] The embodiment of the present application also provides a credit management device for a financial product. It should be noted that the credit management device for a financial product in the embodiment of the present application can be used to execute the credit management method for a financial product provided in the embodiment of the present application. The credit management device for a financial product provided in the embodiment of the present application is introduced below.

[0072] According to an embodiment of the present application, a device for implementing the above-mentioned financial product quota management method is also provided. Figure 8 is a schematic diagram of a quota management device for a financial product provided in accordance with an embodiment of the present application, such as Figure 8 As shown, the device comprises:

[0073] The quota and parameter setting module 801 is used to set the total quota of the target financial product and the discrete parameters for quota allocation, wherein the discrete parameters at least include the following parameters: a discrete factor representing the number of levels of financial institutions at all levels participating in the quota allocation, and a quota capture parameter.

[0074] The quota division and allocation module 802 is used to divide the total quota into a first quota and a second quota, retain the second quota in the highest level financial institution, and allocate the first quota to the outlets of financial institutions at all levels step by step according to discrete parameters and historical sales data.

[0075] The credit limit update module 803 is used to update the credit limits of financial institutions at all levels based on the transaction behaviors of customers at the outlets of financial institutions at all levels. When the remaining credit limit of the financial institution at the level where the transaction behavior is located does not meet the transaction needs, the credit limit is applied for from the superior financial institution through the credit limit capture parameters until the credit limit that meets the transaction needs is applied for from the second credit limit, or until the second credit limit is used up.

[0076] In an embodiment of the present application, a quota and parameter setting module 801 sets the total quota of a target financial product and discrete parameters for quota allocation, wherein the discrete parameters include at least the following parameters: a discrete factor representing the number of levels of financial institutions at all levels participating in the quota allocation, and a quota capture parameter; a quota division and allocation module 802 divides the total quota into a first quota and a second quota, retains the second quota in the highest level financial institution, and allocates the first quota step by step to the outlets of financial institutions at all levels according to the discrete parameters and historical sales data; a quota update module 803 updates the quotas of financial institutions at all levels based on the transaction behaviors of customers at the outlets of financial institutions at all levels, wherein, when the remaining quota of the financial institution at the level where the transaction behavior is located does not meet the transaction needs, an application for a quota is made to the superior financial institution through the quota capture parameter until a quota that meets the transaction needs is applied for from the second quota, or until the second quota is used up. By allocating quotas through discrete parameters and historical sales data, and applying for quotas through quota capture parameters, the goal of taking concurrent sales efficiency into account is achieved, thereby achieving the technical effect of optimizing the transaction capabilities of financial institutions, and further solving the problem of quota hotspot bottlenecks or quota sedimentation that is easy to form when selling financial products in related technologies.

[0077] Optionally, in the credit limit management device for financial products provided in the embodiment of the present application, the credit limit and parameter setting module 801 includes a historical data judgment module, which is used to judge whether there is historical sales data of similar products of the target financial product; a historical data reading module, which is used to read the historical sales data of similar products of financial institutions at all levels if there is historical sales data of similar products, determine the allocation ratio of outlets at all levels of financial institutions based on the historical sales data of similar products of financial institutions at all levels, and allocate the second credit limit to the outlets of financial institutions at all levels step by step according to the allocation ratio; an initial allocation factor module, which is used to read the initial allocation factor from the discrete parameters if there is no historical sales data of similar products, and allocate the second credit limit to the outlets of financial institutions at all levels step by step according to the initial allocation factor.

[0078] Optionally, in the credit limit management device for financial products provided in the embodiment of the present application, the credit limit update module 803 includes a purchase credit limit determination module, which is used to determine the purchase credit limit for the purchase transaction according to the customer's purchase application, and to query the remaining credit limit of the target branch; a credit limit update sub-module, which is used to deduct the purchase credit limit from the remaining credit limit of the target branch when the remaining credit limit of the target branch is greater than or equal to the purchase credit limit, to obtain an updated remaining credit limit, and to update the historical sales data of the target branch.

[0079] Optionally, in the credit limit management device for financial products provided in the embodiment of the present application, the credit limit update module 803 includes: a credit limit query module, which is used to determine the purchase limit for purchase transactions based on the customer's purchase application and query the remaining limit of the target branch; a switch judgment module, which is used to determine whether the credit limit grab switch is turned on when the remaining limit of the target branch is less than the purchase limit, wherein the credit limit grab switch is used to control the opening and closing state of the credit limit grab channel; a credit limit grab module, which is used to apply for a credit limit from a superior financial institution according to the credit limit grab step in the credit limit grab parameter when the credit limit grab switch is turned on, until the amount applied for from the second credit limit is greater than or equal to the purchase limit, or until the second credit limit is less than the credit limit grab step; a second credit limit update module, which is used to update the second credit limit, clear the remaining limit of the target branch, and update the historical sales data of the target branch.

[0080] Optionally, in the credit limit management device of the financial product provided in the embodiment of the present application, the credit limit capture module includes: a switch and step control module, which is used to turn on the credit limit capture switch of the branch when the business concurrency of the financial institution's branch is greater than or equal to the branch traffic threshold, and turn off the credit limit capture switch of the branch when the business concurrency of the branch is less than the branch traffic threshold, and / or reduce the branch's credit limit capture step; when the business concurrency of any level of financial institution is greater than or equal to the traffic threshold of the corresponding level, turn on the credit limit capture switch of the financial institution, and when the business concurrency of the financial institution is less than the traffic threshold of the corresponding level, turn off the credit limit capture switch of the financial institution, and / or reduce the credit limit capture step of the financial institution.

[0081] Optionally, in the credit limit management device of the financial product provided in the embodiment of the present application, the credit limit update module 803 includes: a redemption module, which is used to determine the redemption credit limit for the redemption transaction according to the customer's redemption application; a redemption success module, which is used to return the redemption credit limit to the target outlet if the redemption transaction is successfully executed, obtain the updated remaining credit limit, and update the historical sales data of the target outlet; a redemption failure module, which is used to keep the remaining credit limit of the target outlet unchanged if it is determined that the redemption transaction has failed.

[0082] Optionally, in the credit limit management device for financial products provided in the embodiment of the present application, the credit limit update module 803 includes: a recovery module, used to perform a credit limit recovery operation during the sales suspension phase of the target financial product; and a rollback module, used to roll back the credit limits of outlets of financial institutions at all levels to the highest level financial institution step by step through a credit limit recovery operation.

[0083] It should be noted that the above-mentioned quota and parameter setting module 801, quota division and allocation module 802 and quota update module 803 correspond to steps S201 to S203 in Example 1, and the three modules and the corresponding steps implement the same examples and application scenarios, but are not limited to the contents disclosed in the above-mentioned Example 1. It should be noted that the above-mentioned modules or units can be hardware components or software components stored in a memory (e.g., memory 104) and processed by one or more processors (e.g., processors 102a, 102b, ..., 102n), and the above-mentioned modules can also be part of the device and can be run in the computer terminal 10 provided in Example 1.

[0084] Example 3

[0085] An embodiment of the present application may provide an electronic device, Fig. 9 is a structural block diagram of an electronic device according to an embodiment of the present application. Fig. 9 As shown, the electronic device may include: one or more ( Fig. 9 (only one is shown) processor 902, memory 904, storage controller, and peripheral interface, wherein the peripheral interface is connected to the radio frequency module, audio module and display.

[0086] Among them, the memory can be used to store software programs and modules, such as program instructions / modules corresponding to the methods and devices in the embodiments of the present application, and the processor executes various functional applications and data processing by running the software programs and modules stored in the memory, that is, realizing the above-mentioned method. The memory may include a high-speed random access memory, and may also include a non-volatile memory, such as one or more magnetic storage devices, flash memory, or other non-volatile solid-state memory. In some instances, the memory may further include a memory remotely arranged relative to the processor, and these remote memories may be connected to the terminal via a network. Examples of the above-mentioned network include, but are not limited to, the Internet, an intranet, a local area network, a mobile communication network, and combinations thereof.

[0087] The processor can call the information and application stored in the memory through the transmission device to perform the following steps: set the total amount of the target financial product and the discrete parameters for allocation of the amount, wherein the discrete parameters at least include the following parameters: a discrete factor characterizing the number of levels of financial institutions at all levels participating in the allocation of the amount, and a amount capture parameter; divide the total amount into a first amount and a second amount, retain the second amount in the highest level financial institution, and allocate the first amount step by step to the outlets of financial institutions at all levels according to the discrete parameters and historical sales data; update the amount of financial institutions at all levels based on the transaction behavior of customers at the outlets of financial institutions at all levels, wherein, when the remaining amount of the financial institution at the level where the transaction behavior is located does not meet the transaction demand, apply for the amount from the superior financial institution through the amount capture parameter until the amount that meets the transaction demand is applied for from the second amount, or until the second amount is used up.

[0088] The processor can also call the information and application stored in the memory through the transmission device to perform the following steps: the discrete parameter also includes an initial allocation factor that characterizes the allocation ratio of financial institutions at all levels. Allocating the second amount to the outlets of financial institutions at all levels step by step according to the discrete parameter and historical sales data includes: determining whether there is historical sales data of similar products of the target financial product; if there is historical sales data of similar products, reading the historical sales data of similar products of financial institutions at all levels, determining the allocation ratio of the outlets of financial institutions at all levels according to the historical sales data of similar products of financial institutions at all levels, and allocating the second amount to the outlets of financial institutions at all levels step by step according to the allocation ratio; if there is no historical sales data of similar products, reading the initial allocation factor from the discrete parameter, and allocating the second amount to the outlets of financial institutions at all levels step by step according to the initial allocation factor.

[0089] The processor can also call the information and application programs stored in the memory through the transmission device to perform the following steps: updating the credit limits of financial institutions at all levels based on the transaction behaviors of customers of the outlets of financial institutions at all levels, including: for purchase transaction behaviors, determining the purchase limit based on the customer's purchase application, and querying the remaining balance of the target outlet; when the remaining balance of the target outlet is greater than or equal to the purchase limit, deducting the purchase limit from the remaining balance of the target outlet to obtain an updated remaining balance, and updating the historical sales data of the target outlet.

[0090] The processor can also call the information and application programs stored in the memory through the transmission device to perform the following steps: updating the credit limits of financial institutions at all levels based on the transaction behaviors of customers of the outlets of financial institutions at all levels, including: for purchase transaction behaviors, determining the purchase limit according to the customer's purchase application, and querying the remaining limit of the target outlet; when the remaining limit of the target outlet is less than the purchase limit, judging whether the credit limit grab switch is turned on, wherein the credit limit grab switch is used to control the opening and closing state of the credit limit grab channel; when the credit limit grab switch is turned on, applying for the credit limit from the superior financial institution according to the grabbing credit limit step in the credit limit grab parameter, until the amount applied for from the second credit limit is greater than or equal to the purchase limit, or until the second credit limit is less than the grabbing credit limit step; updating the second credit limit, clearing the remaining credit limit of the target outlet, and updating the historical sales data of the target outlet.

[0091] The processor can also call the information and application programs stored in the memory through the transmission device to perform the following steps: the credit limit grabbing switch and the credit limit grabbing step are set in the following manner: when the business concurrency of the financial institution's branch is greater than or equal to the branch traffic threshold, the credit limit grabbing switch of the branch is turned on; when the business concurrency of the branch is less than the branch traffic threshold, the credit limit grabbing switch of the branch is turned off, and / or the credit limit grabbing step of the branch is reduced; when the business concurrency of any level of financial institution is greater than or equal to the traffic threshold of the corresponding level, the credit limit grabbing switch of the financial institution is turned on; when the business concurrency of the financial institution is less than the traffic threshold of the corresponding level, the credit limit grabbing switch of the financial institution is turned off, and / or the credit limit grabbing step of the financial institution is reduced.

[0092] The processor can also call the information and application programs stored in the memory through the transmission device to perform the following steps: updating the credit limits of financial institutions at all levels based on the transaction behaviors of customers of the outlets of financial institutions at all levels, including: for redemption transactions, determining the redemption credit limit based on the customer's redemption application; if the redemption transaction is successfully executed, returning the redemption credit limit to the target outlet, obtaining the updated remaining credit limit, and updating the historical sales data of the target outlet; if it is determined that the redemption transaction fails, keeping the remaining credit limit of the target outlet unchanged.

[0093] The processor can also call the information and application programs stored in the memory through the transmission device to perform the following steps: The method also includes: performing a credit limit recovery operation during the sales suspension phase of the target financial product; through the credit limit recovery operation, the credit limits of the outlets of financial institutions at all levels are gradually returned to the highest level financial institution.

[0094] In the embodiment of the present application, the total amount of the target financial product and the discrete parameters for allocation of the amount are set, wherein the discrete parameters at least include the following parameters: a discrete factor characterizing the number of levels of financial institutions at all levels participating in the allocation of the amount, and a quota capture parameter; the total amount is divided into a first amount and a second amount, the second amount is reserved in the highest level financial institution, and the first amount is allocated step by step to the outlets of financial institutions at all levels according to the discrete parameters and historical sales data; the amount of financial institutions at all levels is updated based on the transaction behavior of customers at the outlets of financial institutions at all levels, wherein, when the remaining amount of the financial institution at the level of the transaction behavior does not meet the transaction demand, the amount is applied to the superior financial institution through the quota capture parameter until the amount that meets the transaction demand is applied from the second amount, or until the second amount is used up. The amount is allocated through discrete parameters and historical sales data, and the amount is applied through the quota capture parameter, so as to achieve the purpose of taking into account the efficiency of concurrent sales, thereby achieving the technical effect of optimizing the transaction capacity of financial institutions, and thus solving the problem of easy formation of quota hotspot bottlenecks or quota sedimentation when selling financial products in the related technology.

[0095] It can be understood by those skilled in the art that Fig. 9 The structure shown is for illustration only, and the electronic device may also be a smart phone, a tablet computer, a PDA, a mobile Internet device (MID), a PAD or other terminal device. Fig. 9 The structure of the electronic device is not limited. Fig. 9 More or fewer components (such as network interfaces, display devices, etc.) shown in, or having Fig. 9 Different configurations are shown.

[0096] A person of ordinary skill in the art can understand that all or part of the steps in the various methods of the above embodiments can be completed by instructing the hardware related to the terminal device through a program, and the program can be stored in a computer-readable storage medium, and the storage medium may include: a flash drive, a read-only memory (ROM), a random access memory (RAM), a magnetic disk or an optical disk, etc.

[0097] Example 4

[0098] The embodiment of the present application further provides a storage medium. Optionally, in this embodiment, the storage medium can be used to store the program code executed by the credit limit management method of the financial product provided in the first embodiment.

[0099] Optionally, in this embodiment, the above storage medium may be located in any computer terminal in a computer terminal group in a computer network, or in any mobile terminal in a mobile terminal group.

[0100] The present application also provides a computer program product, which, when executed on a data processing device, is suitable for executing the steps of the method for managing the limit of a financial product.

[0101] The serial numbers of the above-mentioned embodiments of the present application are for description only and do not represent the advantages or disadvantages of the embodiments.

[0102] In the above embodiments of the present application, the description of each embodiment has its own emphasis. For parts that are not described in detail in a certain embodiment, please refer to the relevant description of other embodiments.

[0103] In the several embodiments provided in this application, it should be understood that the disclosed technical content can be implemented in other ways. Among them, the device embodiments described above are only schematic. For example, the division of the units is only a logical function division. There may be other division methods in actual implementation. For example, multiple units or components can be combined or integrated into another system, or some features can be ignored or not executed. Another point is that the mutual coupling or direct coupling or communication connection shown or discussed can be through some interfaces, indirect coupling or communication connection of units or modules, which can be electrical or other forms.

[0104] The units described as separate components may or may not be physically separated, and the components shown as units may or may not be physical units, that is, they may be located in one place or distributed on multiple network units. Some or all of the units may be selected according to actual needs to achieve the purpose of the solution of this embodiment.

[0105] In addition, each functional unit in each embodiment of the present application may be integrated into one processing unit, or each unit may exist physically separately, or two or more units may be integrated into one unit. The above-mentioned integrated unit may be implemented in the form of hardware or in the form of software functional units.

[0106] If the integrated unit is implemented in the form of a software functional unit and sold or used as an independent product, it can be stored in a computer-readable storage medium. Based on this understanding, the technical solution of the present application, in essence, or the part that contributes to the prior art or all or part of the technical solution can be embodied in the form of a software product, and the computer software product is stored in a storage medium, including a number of instructions to enable a computer device (which can be a personal computer, a server or a network device, etc.) to perform all or part of the steps of the method described in each embodiment of the present application. The aforementioned storage medium includes: U disk, read-only memory (ROM, Read-Only Memory), random access memory (RAM, Random Access Memory), mobile hard disk, disk or optical disk and other media that can store program codes.

[0107] The above is only a preferred implementation of the present application. It should be pointed out that for ordinary technicians in this technical field, several improvements and modifications can be made without departing from the principles of the present application. These improvements and modifications should also be regarded as the scope of protection of the present application.

Claims

1. A method for managing the quota of a financial product, characterized in that: include: Setting the total quota of the target financial product and discrete parameters for quota allocation, wherein the discrete parameters at least include the following parameters: a discrete factor representing the number of levels of financial institutions at all levels participating in the quota allocation, and a quota capture parameter; Dividing the total amount into a first amount and a second amount, retaining the second amount in the highest-level financial institution, and allocating the first amount to outlets of the financial institutions at all levels step by step according to the discrete parameters and historical sales data; The credit limits of the financial institutions at all levels are updated based on the transaction behaviors of the customers of the outlets of the financial institutions at all levels. When the remaining credit limit of the financial institution at the level where the transaction behavior occurs does not meet the transaction demand, the credit limit is applied for from the superior financial institution through the credit limit capture parameters until the credit limit that meets the transaction demand is applied for from the second credit limit, or until the second credit limit is used up.

2. The method for managing the amount of financial products according to claim 1, characterized in that: The discrete parameters further include an initial allocation factor representing the allocation ratio of the financial institutions at various levels. The second quota is allocated to the outlets of the financial institutions at various levels step by step according to the discrete parameters and the historical sales data, including: Determine whether there is historical sales data for similar products of the target financial product; If the historical sales data of the same type of products exist, the historical sales data of the same type of products of the financial institutions at all levels are read, the allocation ratio of the outlets of the financial institutions at all levels is determined according to the historical sales data of the same type of products of the financial institutions at all levels, and the second amount is allocated to the outlets of the financial institutions at all levels step by step according to the allocation ratio; If there is no historical sales data of the same type of product, the initial allocation factor is read from the discrete parameter, and the second credit limit is allocated step by step to the outlets of the financial institutions at all levels according to the initial allocation factor.

3. The method for managing the amount of financial products according to claim 1, characterized in that: Updating the credit limits of the financial institutions at all levels based on the transaction behaviors of the customers of the outlets of the financial institutions at all levels includes: For purchase transactions, determine the purchase amount based on the customer's purchase application and query the remaining amount at the target outlet; When the remaining balance of the target outlet is greater than or equal to the purchase balance, the purchase balance is deducted from the remaining balance of the target outlet to obtain an updated remaining balance, and the historical sales data of the target outlet is updated.

4. The method for managing the amount of financial products according to claim 1, characterized in that: Updating the credit limits of the financial institutions at all levels based on the transaction behaviors of the customers of the outlets of the financial institutions at all levels includes: For purchase transactions, determine the purchase amount based on the customer's purchase application and query the remaining amount at the target outlet; In the case where the remaining credit limit of the target outlet is less than the purchase credit limit, determining whether a credit limit grabbing switch is turned on, wherein the credit limit grabbing switch is used to control the opening and closing state of a credit limit grabbing channel; When the credit limit grabbing switch is turned on, applying for a credit limit from a superior financial institution according to the credit limit grabbing step length in the credit limit grabbing parameter until the credit limit applied from the second credit limit is greater than or equal to the purchase credit limit, or until the second credit limit is less than the credit limit grabbing step length; The second credit limit is updated, the remaining credit limit of the target outlet is cleared, and the historical sales data of the target outlet is updated.

5. The method for managing the amount of financial products according to claim 4, characterized in that: The credit grab switch and the credit grab step length are set in the following manner: When the concurrent business volume of the branch of the financial institution is greater than or equal to the branch flow threshold, the credit limit capture switch of the branch is turned on; when the concurrent business volume of the branch is less than the branch flow threshold, the credit limit capture switch of the branch is turned off, and / or the credit limit capture step length of the branch is reduced; When the business concurrency of a financial institution at any level is greater than or equal to the traffic threshold of the corresponding level, the credit limit capture switch of the financial institution is turned on; when the business concurrency of the financial institution is less than the traffic threshold of the corresponding level, the credit limit capture switch of the financial institution is turned off, and / or the credit limit capture step size of the financial institution is reduced.

6. The method for managing the amount of financial products according to claim 1, characterized in that: Updating the credit limits of the financial institutions at all levels based on the transaction behaviors of the customers of the outlets of the financial institutions at all levels includes: For redemption transactions, the redemption amount is determined based on the redemption application of the customer; If the redemption transaction is successfully executed, the redemption amount is returned to the target outlet to obtain an updated remaining amount, and the historical sales data of the target outlet is updated; In the event that the redemption transaction is determined to have failed, the remaining balance of the target outlet remains unchanged.

7. The method for managing the amount of financial products according to claim 1, characterized in that: The method further comprises: During the sales suspension period of the target financial product, executing the credit limit recovery operation; Through the credit recovery operation, the credit of the outlets of the financial institutions at all levels are gradually returned to the financial institution at the highest level.

8. A quota management device for a financial product, characterized in that: include: A quota and parameter setting module, used to set the total quota of the target financial product and the discrete parameters used for quota allocation, wherein the discrete parameters at least include the following parameters: a discrete factor representing the number of levels of financial institutions at all levels participating in the quota allocation, and a quota capture parameter; A quota division and allocation module, used for dividing the total quota into a first quota and a second quota, retaining the second quota in the highest level financial institution, and allocating the first quota to the outlets of the financial institutions at all levels step by step according to the discrete parameters and historical sales data; The credit limit update module is used to update the credit limits of the financial institutions at all levels based on the transaction behaviors of the customers of the outlets of the financial institutions at all levels. In the case that the remaining credit limit of the financial institution at the level where the transaction behavior is located does not meet the transaction needs, the credit limit is applied for from the superior financial institution through the credit limit capture parameters until the credit limit that meets the transaction needs is applied for from the second credit limit, or until the second credit limit is used up.

9. A computer program product, characterized in that It includes a non-volatile computer-readable storage medium, wherein the non-volatile computer-readable storage medium stores a computer program, and when the computer program is executed by a processor, the limit management method of a financial product according to any one of claims 1 to 7 is implemented.

10. An electronic device comprising a memory and a processor, characterized in that: The memory stores a computer program, and the processor is configured to execute the credit limit management method for a financial product according to any one of claims 1 to 7 through the computer program.

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