Risk indicator early warning method and device, server and storage medium

Abstract

The embodiment of the invention discloses a risk indicator early warning method and device, a server and a storage medium, and the method comprises the steps: creating a risk indicator guiding template which comprises an indicator element mark and an operation mark; determining an operation formula according to the operation mark, and obtaining an index metadata set according to the index element mark; and inputting the index metadata set into an operational formula, generating a risk index equation, comparing the risk index obtained by calculation with an index early warning value, and sending index early warning information according to a comparison result. Different guide templates are created through different index early warning values of different loan businesses, and then different risk index equations are established according to data analysis requirements of actual loan businesses, so that the data analysis requirements of various loan businesses can be flexibly coped with, a large number of calculation and analysis methods do not need to be developed for different loan businesses in advance, and the cost is reduced. The development cost is greatly reduced, and mode adjustment and business expansion of loan business are facilitated.

Description

Technical Field

[0001] The present invention relates to the technical field of risk indicator early warning, and in particular to a risk indicator early warning method, device, server and storage medium. Background Art

[0002] Due to the diversification of market demands, different types of loan businesses have different risk control levels. When conducting risk analysis on loan business data, it is necessary to use different methods to calculate the risk indicators of the loan business according to the type of loan business and issue risk warnings for the loan business.

[0003] The risk indicators of different types of loan businesses often need to be calculated through multiple different indicator metadata, and the indicator metadata will change in various ways according to the type of loan business, different risk control requirements, etc. Different risk indicators require the establishment of targeted calculation methods. This can be done by establishing an algorithm library and calling the calculation method corresponding to the risk indicator for calculation. However, when faced with complex and diverse loan business data processing tasks, building an algorithm library requires the pre-development of a large number of different calculation methods to meet the calculation of multiple risk indicators, and it is difficult to apply to changes in risk indicators caused by changes in loan types or new additions, which not only takes up a lot of development costs but also makes it difficult to form effective use. Summary of the invention

[0004] The embodiments of the present invention provide a risk indicator early warning method, device, server and storage medium to solve the technical problem of risk indicator early warning for complex and diverse loan business data.

[0005] In a first aspect, an embodiment of the present invention provides a risk indicator early warning method, comprising:

[0006] Creating a risk indicator guidance template according to a preset indicator warning value, wherein the risk indicator guidance template includes an indicator meta tag and an operation tag;

[0007] Determine an operation formula according to the operation mark, wherein the operation formula includes an operator and an indicator element reserved position;

[0008] Acquire an indicator metadata set corresponding to the indicator meta tag according to the indicator meta tag;

[0009] Input each group of indicator metadata in the indicator metadata set into the corresponding indicator metadata reserved position in the calculation formula to generate a risk indicator formula;

[0010] The risk indicator is calculated using the risk indicator formula, the risk indicator is compared with the preset indicator warning value, and the indicator warning information is sent according to the comparison result.

[0011] Further, determining the operation formula according to the operation mark includes:

[0012] Determine the operation type according to the operation tag;

[0013] Call multiple operators based on the operation type;

[0014] Arrange multiple operators according to the operation type to generate an operation formula.

[0015] Further, obtaining the indicator metadata set corresponding to the indicator meta tag according to the indicator meta tag includes:

[0016] Determine the indicator meta field based on the indicator meta tag;

[0017] Read the data of the corresponding field from the database according to the indicator meta-field to form multiple field data sets;

[0018] Add placeholder labels to field datasets based on the metric metafield.

[0019] Furthermore, each group of indicator metadata in the indicator metadata set is input into the corresponding indicator metadata reserved position in the calculation formula, including:

[0020] Enter the field dataset into the corresponding indicator meta-field according to the reserved position label.

[0021] Furthermore, the step of creating a risk indicator guidance template according to the preset indicator warning value includes:

[0022] The indicator warning value includes an indicator data type and a warning threshold, and an indicator meta-tag and an operation tag are determined according to the indicator data type.

[0023] Furthermore, comparing the risk indicator with a preset indicator warning value and sending indicator warning information according to the comparison result includes:

[0024] The risk indicator is compared with the warning threshold, and when the risk indicator meets the warning condition, a preset indicator warning information is issued.

[0025] Furthermore, the risk indicator is calculated using a risk indicator formula, including:

[0026] The expression evaluation engine is used to calculate all risk indicator formulas to obtain risk indicators.

[0027] In a second aspect, an embodiment of the present invention further provides an early warning device for risk indicators, including:

[0028] A risk indicator guidance template generation module is used to create a guidance template for guiding the generation of risk indicator formulas according to indicator warning values;

[0029] An operation formula generation module is used to generate a calculation formula suitable for risk indicator calculation according to the operation mark;

[0030] The indicator metadata reading module is used to read the data of the corresponding field from the data table according to the indicator meta tag to form an indicator metadata data set;

[0031] The risk indicator formula generation module is used to substitute the indicator metadata into the calculation formula to generate the risk indicator formula;

[0032] The risk index calculation module is used to calculate the risk index formula to obtain the risk index;

[0033] The indicator warning module is used to compare the risk indicator with the preset indicator warning value and issue indicator warning information.

[0034] In a third aspect, an embodiment of the present invention further provides a server, including:

[0035] one or more processors;

[0036] A storage device for storing one or more programs;

[0037] When the one or more programs are executed by the one or more processors, the one or more processors implement the risk indicator early warning method provided in the above embodiment.

[0038] In a fourth aspect, an embodiment of the present invention further provides a storage medium comprising computer executable instructions, which, when executed by a computer processor, are used to execute the early warning method for risk indicators provided in the above embodiments.

[0039] The embodiments of the present invention provide a risk indicator early warning method, device, server and storage medium. By creating a risk indicator guide template, using the operation mark in the guide template to generate an operation formula with an indicator element reserved position, and then obtaining the corresponding data through the indicator element mark in the guide template to fill in the operation formula, a complete risk indicator formula is formed. The risk indicator obtained by the risk indicator formula is compared with the preset indicator warning value, and the business data corresponding to the risk indicator can be analyzed, and then a risk indicator early warning prompt is issued. Different guide templates are created through different indicator warning values ​​of different loan businesses, and then different risk indicator formulas are established according to the data analysis requirements of the actual loan business. The data analysis requirements of various loan businesses can be flexibly responded to, and there is no need to develop a large number of calculation and analysis methods for different loan businesses in advance, which greatly reduces the development cost and is conducive to the model adjustment and business expansion of the loan business. BRIEF DESCRIPTION OF THE DRAWINGS

[0040] The accompanying drawings constituting a part of the present invention are used to provide a further understanding of the present invention. The exemplary embodiments of the present invention and their descriptions are used to explain the present invention and do not constitute an improper limitation of the present invention. In the accompanying drawings:

[0041] Figure 1 This is a flow chart of a risk indicator early warning method according to Embodiment 1 of the present invention;

[0042] Figure 2 This is a flow chart of a risk indicator early warning method according to Embodiment 2 of the present invention;

[0043] Figure 3 This is a schematic diagram of the structure of a risk indicator early warning device according to Embodiment 3 of the present invention;

[0044] Figure 4 This is a schematic diagram of the structure of a server described in Embodiment 4 of the present invention. DETAILED DESCRIPTION

[0045] The present invention will be further described in detail below in conjunction with the accompanying drawings and embodiments. It is to be understood that the specific embodiments described herein are only used to explain the present invention, rather than to limit the present invention. It should also be noted that, for ease of description, only parts related to the present invention, rather than all structures, are shown in the accompanying drawings.

[0046] Embodiment 1

[0047] Figure 1 This is a flow chart of a risk indicator early warning method according to Embodiment 1 of the present invention. This embodiment generates a corresponding calculation formula according to a preset indicator early warning value, inputs the calculation formula using indicator metadata extracted by indicator meta tags, calculates the risk indicator and compares it with the indicator early warning value, and performs early warning analysis on the risk indicator. The method specifically includes the following steps:

[0048] Risk indicators are reference values ​​that reflect the overall risk level of business data. Risk indicators can be used to analyze the risk level of business data. In the financial field, financial business data can be used to judge the risk of financial business and make market decisions. Especially in the field of loan business, risk indicators of loan business can be calculated, and risk indicators can be used to analyze loan business risks, so as to adjust business direction in time according to market conditions and reduce credit risks. However, due to the diversification of market demand, loan business often needs to be adjusted or new loan business added in time according to market demand. Changes in business models often change the calculation method of risk indicators. Continuously developing new risk indicator calculation methods will greatly increase development costs. By directly defining the corresponding calculation method when calculating risk indicators, the development cost of risk indicator calculation can be reduced, which is convenient for flexible response to early warning needs of risk indicators.

[0049] S101, creating a risk indicator guidance template according to a preset indicator warning value, the risk indicator guidance template including an indicator meta tag and an operation tag.

[0050] The indicator warning value is used as a reference standard for risk indicator warning. The indicator warning value can be compared with the risk indicator to determine the risk level of the risk indicator. The indicator warning value can reflect the numerical type of the risk indicator. For example, the percentage value can represent the approval rate and bad debt rate of the loan business, and the statistical value can represent the application volume and issuance volume of the loan business. Different numerical types need to establish corresponding risk indicator algorithms through different risk indicator guidance templates. The indicator meta tag is used to indicate the data source required for the risk indicator calculation, and the operation tag is used to indicate the required calculation method. The source data required for the risk indicator and the calculation method used for the source data can be determined through the indicator meta tag and the operation tag. For example, when the indicator warning value is the loan approval risk, the risk indicator is the loan approval rate. Correspondingly, the calculation method of the loan approval rate is: the number of approved applications / total number of applications × 100%; the risk indicator guidance template is: the approved loan application data, calculate the approval approval rate. Among them, "the approved loan application data" is the indicator meta tag, and "calculate the approval approval rate" is the operation tag. The indicator warning value also includes the warning range of the risk indicator, indicating that when the risk indicator falls into the preset range, a warning message needs to be issued to issue a risk warning for the loan business.

[0051] S102, determining an operation formula according to the operation mark, where the operation formula includes an operator and a reserved position for an indicator element.

[0052] The operation formula is a calculation method for processing indicator metadata. The operation formula is a specific calculation formula, which contains multiple operators. The operators include but are not limited to "+", "-", "×", "÷", etc. The operation formula is obtained by combining the operators according to the calculation method indicated by the operation mark. In the calculation formula, reserved positions for indicator metadata to fill in data are reserved, which are used to perform calculations after the indicator metadata is filled in.

[0053] S103: Acquire an indicator metadata set corresponding to the indicator meta tag according to the indicator meta tag.

[0054] The indicator meta tag includes the data required for risk indicator calculation. The indicator meta tag can be used to obtain the indicator metadata of the corresponding column from the data table to form an indicator metadata data set. The indicator meta tag can point to multiple columns of data, and each column of indicator metadata obtained corresponds to a different indicator meta reserved position in the above calculation formula.

[0055] S104, inputting each group of indicator metadata in the indicator metadata set into the corresponding indicator metadata reserved position in the calculation formula to generate a risk indicator formula.

[0056] According to the one-to-one correspondence between each column of indicator metadata and the reserved positions of indicator elements in the calculation formula, each column of data is filled into the corresponding reserved positions of indicator elements in order to generate a risk indicator formula. The risk indicator formula uses the indicator metadata of the same order in each column of indicator metadata to calculate the risk indicator result each time. Through multiple calculations, the required multiple risk indicators can be obtained.

[0057] S105, using the risk indicator formula to calculate the risk indicator, comparing the risk indicator with a preset indicator warning value, and sending indicator warning information according to the comparison result.

[0058] Each risk indicator obtained is compared with the preset indicator warning value. A warning can be issued for the risk indicator based on the comparison result between a single risk indicator and the indicator warning value. The warning information is pre-set and indicates the content of the risk indicator, including risk warnings for business data. The results of comparing all risk indicators with the indicator warning values ​​can also be summarized, and a summary warning prompt can be issued for all indicators.

[0059] This embodiment creates a risk indicator guidance template, generates a calculation formula with an indicator element reserved position using the calculation mark in the guidance template, and then obtains the corresponding data through the indicator element mark in the guidance template and fills it into the calculation formula to form a complete risk indicator formula. The risk indicator obtained by the risk indicator formula is compared with the preset indicator warning value, and the business data corresponding to the risk indicator can be analyzed, and then a warning prompt of the risk indicator can be issued. Different guidance templates are created through different indicator warning values ​​of different loan businesses, and then different risk indicator formulas are established according to the data analysis requirements of the actual loan business. It can flexibly respond to the data analysis requirements of various loan businesses, without the need to develop a large number of calculation and analysis methods for different loan businesses in advance, which greatly reduces the development cost and is conducive to the model adjustment and business expansion of the loan business.

[0060] Embodiment 2

[0061] Figure 2 This is a flow chart of a risk indicator early warning method according to Embodiment 2 of the present invention. This embodiment is optimized based on the above embodiment. In this embodiment, the operation formula is determined according to the operation mark, and the specific optimization is as follows:

[0062] Determine the operation type according to the operation tag;

[0063] Call multiple operators based on the operation type;

[0064] Arrange multiple operators according to the operation type to generate an operation formula.

[0065] At the same time, the indicator metadata set corresponding to the indicator meta tag will be obtained according to the indicator meta tag, and the specific optimization is as follows:

[0066] Determine the indicator meta field based on the indicator meta tag;

[0067] Read the data of the corresponding field from the database according to the indicator meta-field to form multiple field data sets;

[0068] Add placeholder labels to field datasets based on the metric metafield.

[0069] Accordingly, the risk indicator early warning method provided in this embodiment specifically includes:

[0070] S201, creating a risk indicator guidance template according to a preset indicator warning value, the risk indicator guidance template including an indicator meta tag and an operation tag.

[0071] S202, determining the operation type according to the operation tag.

[0072] The operation tag includes the numerical type of the risk indicator, and the calculation method of the risk indicator is determined according to the numerical type. For example, when the numerical type of the risk indicator is a percentage type, the determined calculation method includes multiplication of 100%.

[0073] S203, calling multiple operators according to the operation type.

[0074] Different operation types require different operators. For example, when calculating a percentage-based risk indicator, the “×” and “÷” operators need to be called.

[0075] S204, arranging multiple operators according to the operation type to generate an operation formula.

[0076] Different operation types have different arrangements for operators. For example, when calculating a percentage-type risk indicator, you first need to calculate the ratio of the two, and then calculate the product with 100%. The operators are arranged in the order of ÷, ×, and indicator element reserved positions for inputting data need to be set before and after the operators. The generated operation formula is "first indicator element reserved position ÷ second indicator element reserved position × 100%", where the first indicator element reserved position should be used to enter the number of approved applications, and the second indicator element reserved position should be used to enter the total number of applications.

[0077] S205, determining the indicator meta field according to the indicator meta tag;

[0078] The indicator meta tag contains the data to be called, corresponding to one or more fields in the data table, and the corresponding fields in the data table are determined as indicator meta fields.

[0079] S206, reading data of corresponding fields from the database according to the indicator meta-field to form multiple field data sets.

[0080] The data of each indicator meta-field is read from the database, and the data of each indicator meta-field forms a set of field data sets containing all the data of the field.

[0081] S207, adding a reserved position label to the field data set according to the indicator meta-field.

[0082] According to the content of the column data in the data table corresponding to the indicator element field and the indicator element reserved position in the calculation formula, a corresponding reserved position label is added to each field data set.

[0083] S208, inputting each group of indicator metadata in the indicator metadata set into the corresponding indicator metadata reserved position in the calculation formula to generate a risk indicator formula.

[0084] S209, using the risk indicator formula to calculate the risk indicator, comparing the risk indicator with a preset indicator warning value, and sending indicator warning information according to the comparison result.

[0085] Specifically, each group of indicator metadata in the indicator metadata set is input into the corresponding indicator element reserved position in the calculation formula, including: inputting the field data set into the corresponding indicator element field according to the reserved position label. The reserved position label and the indicator element reserved position in the calculation formula are in a one-to-one correspondence. According to the corresponding relationship, the field data set is input into the calculation formula to form a complete risk indicator formula.

[0086] Optionally, a risk indicator guidance template is created based on a preset indicator warning value, including: the indicator warning value includes the indicator data type and the warning threshold, and the indicator meta tag and the operation tag are determined based on the indicator data type. The indicator data type represents the numerical type of the risk indicator, which is used to indicate the formula generation of the risk indicator and is also the basis for creating the risk indicator guidance template. For example, when the risk indicator data type is the loan approval rate, a guidance template for calculating the loan approval rate needs to be generated, and the formula generation is guided by defining the calculation method and data source. The warning threshold is the basis for determining the risk status of the risk indicator. According to different risk control requirements, the warning threshold can be a fixed value or a range.

[0087] Specifically, the risk indicator is compared with the preset indicator warning value, and the indicator warning information is sent according to the comparison result, including: comparing the risk indicator with the warning threshold, and issuing the preset indicator warning information when the risk indicator meets the warning condition. When the warning threshold is a fixed value, the preset indicator warning information can be issued according to the corresponding situation when the risk indicator is greater than, less than or equal to the warning threshold. For example, when the loan approval rate is warned, when the risk indicator is greater than the warning threshold, the preset "approval approval rate is too high, it is recommended to carefully review the loan approval business" is issued; when the warning threshold is a range, the preset indicator warning information can be issued according to whether the risk indicator falls into the range. For example, when the loan approval rate is warned, when the risk indicator falls into the warning range, the preset "loan approval rate tends to be stable, and business expansion can be carried out" is issued. The warning threshold can be adjusted according to the actual risk control needs and market conditions, and the indicator warning information can be formulated.

[0088] An optional implementation of this embodiment is to use the risk indicator formula to calculate the risk indicator, including: using an expression evaluation engine to calculate all risk indicator formulas to obtain the risk indicator. Exemplarily, the expression evaluation engine can use the Aviator expression evaluation engine, use the high concurrency characteristics of the Aviator expression evaluation engine to process large-scale data, and then use the obtained risk indicators to perform comprehensive analysis, thereby improving data processing capabilities and comprehensive performance of data analysis.

[0089] This embodiment uses operation tags to determine operators and the order of operators, generates an operation formula containing indicator element reserved bits, and then obtains the field data set of each field from the indicator element field corresponding to the indicator element tag, and adds a reserved bit tag to the field data set according to the indicator element tag, and generates a complete risk indicator formula using the correspondence between the reserved bit tag and the indicator reserved bit. The risk indicator obtained by the risk indicator formula is compared with the warning threshold, and corresponding warning information is issued according to the comparison result. Different risk indicator formulas can be generated according to different loan businesses, without the need for a large amount of development for different loan businesses, which greatly saves development costs, facilitates flexible adjustment of risk indicators that need to be warned according to actual needs and market conditions, and can adapt to a variety of loan businesses.

[0090] Embodiment 3

[0091] Figure 3 FIG. 1 is a schematic diagram of a risk indicator early warning device according to Embodiment 3 of the present invention. Figure 3 As shown, the device comprises:

[0092] A risk indicator guidance template generation module 810 is used to create a guidance template for guiding the generation of risk indicator formulas according to the indicator warning value;

[0093] The calculation formula generation module 820 is used to generate a calculation formula suitable for risk indicator calculation according to the calculation mark;

[0094] The indicator metadata reading module 830 is used to read the data of the corresponding field from the data table according to the indicator metadata tag to form an indicator metadata data set;

[0095] The risk indicator formula generation module 840 is used to substitute the indicator metadata into the operation formula to generate the risk indicator formula;

[0096] The risk index calculation module 850 is used to calculate the risk index formula to obtain the risk index;

[0097] The indicator warning module 860 is used to compare the risk indicator with the preset indicator warning value and issue indicator warning information.

[0098] The risk indicator early warning device described in this embodiment generates a risk indicator guidance template, uses the operation mark to form an operation formula suitable for the current risk indicator, and then uses the indicator meta mark to obtain the corresponding indicator meta data, fills it into the corresponding indicator meta reserved position in the operation formula, and forms a completed risk indicator formula. The risk indicator obtained by the risk indicator formula is compared with the indicator warning value, and different early warning information is issued according to whether the risk indicator falls within the range of the indicator warning value. Different risk indicator formulas can be established according to the data analysis needs of the actual loan business, and the data analysis needs of various loan businesses can be flexibly responded to. There is no need to develop a large number of calculation and analysis methods for different loan businesses in advance, which greatly reduces the development cost and is conducive to the model adjustment and business expansion of the loan business.

[0099] The risk indicator early warning device provided in the embodiment of the present invention can execute the risk indicator early warning method provided in any embodiment of the present invention, and has the corresponding functional modules and beneficial effects of the execution method.

[0100] Embodiment 4

[0101] Figure 4 This is a schematic diagram of the structure of a server described in Embodiment 4 of the present invention. Figure 4 A block diagram of an exemplary server 12 suitable for use in implementing embodiments of the present invention is shown. Figure 4 The server 12 shown is only an example and should not bring any limitation to the functions and scope of use of the embodiments of the present invention.

[0102] like Figure 4 As shown, the server 12 is represented in the form of a general-purpose computing device. The components of the server 12 may include, but are not limited to: one or more processors or processing units;

[0103] System memory, bus 18 that connects various system components including system memory 28 and processing unit 16.

[0104] Bus 18 represents one or more of several types of bus structures, including a memory bus or memory controller, a peripheral bus, an accelerated graphics port, a processor or a local bus using any of a variety of bus architectures. By way of example, these architectures include, but are not limited to, an Industry Standard Architecture (ISA) bus, a Micro Channel Architecture (MAC) bus, an Enhanced ISA bus, a Video Electronics Standards Association (VESA) local bus, and a Peripheral Component Interconnect (PCI) bus.

[0105] The server 12 typically includes a variety of computer system readable media. These media can be any available media that can be accessed by the server 12, including volatile and non-volatile media, removable and non-removable media.

[0106] The system memory 28 may include computer system readable media in the form of volatile memory, such as random access memory (RAM) 30 and / or cache memory 32. The server 12 may further include other removable / non-removable, volatile / non-volatile computer system storage media. By way of example only, the storage system 34 may be used to read and write non-removable, non-volatile magnetic media ( Figure 4 not shown, usually called a "hard drive"). Although Figure 4 Not shown in the figure, a disk drive for reading and writing to a removable non-volatile disk (e.g., a "floppy disk"), and an optical disk drive for reading and writing to a removable non-volatile optical disk (e.g., a CD-ROM, a DVD-ROM, or other optical media) may be provided. In these cases, each drive may be connected to the bus 18 via one or more data medium interfaces. The memory 28 may include at least one program product having a set (e.g., at least one) of program modules that are configured to perform the functions of the various embodiments of the present invention.

[0107] A program / utility 40 having a set (at least one) of program modules 42 may be stored, for example, in the memory 28, such program modules 42 including, but not limited to, an operating system, one or more application programs, other program modules, and program data, each of which or some combination may include an implementation of a network environment. The program modules 42 generally perform the functions and / or methods of the embodiments described herein.

[0108] The server 12 may also communicate with one or more external devices 14 (e.g., keyboards, pointing devices, displays 24, etc.), may communicate with one or more devices that enable a user to interact with the device / server 12 / system, and / or may communicate with any device that enables the server 12 to communicate with one or more other computing devices (e.g., network cards, modems, etc.). Such communication may be performed via an input / output (I / O) interface 22. In addition, the server 12 may also communicate with one or more networks (e.g., local area networks (LANs), wide area networks (WANs), and / or public networks, such as the Internet) via a network adapter 20. As shown, the network adapter 20 communicates with other modules of the server 12 via a bus 18. It should be understood that, although not shown in the figure, other hardware and / or software modules may be used in conjunction with the server 12, including, but not limited to, microcode, device drivers, redundant processing units, external disk drive arrays, RAID systems, tape drives, and data backup storage systems.

[0109] The processing unit 16 executes various functional applications and data processing by running programs stored in the system memory 28, such as implementing the early warning method of risk indicators provided in the embodiment of the present invention.

[0110] Embodiment 5

[0111] Embodiment 5 of the present invention further provides a storage medium comprising computer executable instructions, wherein the computer executable instructions, when executed by a computer processor, are used to execute the risk indicator early warning method provided in the above embodiment.

[0112] The computer storage medium of the embodiment of the present invention can adopt any combination of one or more computer-readable media. The computer-readable medium can be a computer-readable signal medium or a computer-readable storage medium. The computer-readable storage medium can be, for example, but not limited to, an electrical, magnetic, optical, electromagnetic, infrared, or semiconductor system, device or device, or any combination of the above. More specific examples (non-exhaustive list) of computer-readable storage media include: an electrical connection with one or more wires, a portable computer disk, a hard disk, a random access memory (RAM), a read-only memory (ROM), an erasable programmable read-only memory (EPROM or flash memory), an optical fiber, a portable compact disk read-only memory (CD-ROM), an optical storage device, a magnetic storage device, or any suitable combination of the above. In this document, a computer-readable storage medium can be any tangible medium containing or storing a program, which can be used by an instruction execution system, device or device or used in combination with it.

[0113] Computer-readable signal media may include data signals propagated in baseband or as part of a carrier wave, which carry computer-readable program code. Such propagated data signals may take a variety of forms, including but not limited to electromagnetic signals, optical signals, or any suitable combination of the above. Computer-readable signal media may also be any computer-readable medium other than a computer-readable storage medium, which may send, propagate, or transmit a program for use by or in conjunction with an instruction execution system, apparatus, or device.

[0114] Program code embodied on a computer readable medium may be transmitted using any appropriate medium, including but not limited to wireless, wireline, optical fiber cable, RF, etc., or any suitable combination of the foregoing.

[0115] Computer program code for performing the operations of the present invention may be written in one or more programming languages ​​or a combination thereof, including object-oriented programming languages ​​such as Java, Smalltalk, C++, and conventional procedural programming languages ​​such as "C" or similar programming languages. The program code may be executed entirely on the user's computer, partially on the user's computer, as a separate software package, partially on the user's computer and partially on a remote computer, or entirely on a remote computer or server. In the case of a remote computer, the remote computer may be connected to the user's computer through any type of network, including a local area network (LAN) or a wide area network (WAN), or may be connected to an external computer (e.g., via the Internet using an Internet service provider).

[0116] Note that the above are only preferred embodiments of the present invention and the technical principles used. Those skilled in the art will understand that the present invention is not limited to the specific embodiments described herein, and that various obvious changes, readjustments and substitutions can be made by those skilled in the art without departing from the scope of protection of the present invention. Therefore, although the present invention has been described in more detail through the above embodiments, the present invention is not limited to the above embodiments, and may include more other equivalent embodiments without departing from the concept of the present invention, and the scope of the present invention is determined by the scope of the appended claims.

Claims

1. A risk indicator early warning method, characterized in that: include: Creating a risk indicator guidance template according to a preset indicator warning value, wherein the risk indicator guidance template includes an indicator meta tag and an operation tag; Determine an operation formula according to the operation mark, wherein the operation formula includes a plurality of operators and reserved positions for indicator elements; According to the indicator meta tag, obtain an indicator metadata set corresponding to the indicator meta tag; Input each group of indicator metadata in the indicator metadata set into the corresponding indicator metadata reserved position in the calculation formula to generate a risk indicator formula; The risk indicator is calculated using the risk indicator formula, the risk indicator is compared with the preset indicator warning value, and the indicator warning information is sent according to the comparison result.

2. The method according to claim 1, characterized in that The step of determining the operation formula according to the operation mark includes: Determine the operation type according to the operation tag; Call multiple operators based on the operation type; Arrange multiple operators according to the operation type to generate an operation formula.

3. The method according to claim 1, characterized in that The step of obtaining an indicator metadata set corresponding to the indicator meta tag according to the indicator meta tag includes: Determine the indicator meta field based on the indicator meta tag; Read the data of the corresponding field from the database according to the indicator meta-field to form multiple field data sets; Add placeholder labels to field datasets based on the metric metafield.

4. The method according to claim 3, characterized in that Each group of indicator metadata in the indicator metadata set is input into the corresponding indicator metadata reserved position in the calculation formula, including: Enter the field dataset into the corresponding indicator meta-field according to the reserved position label.

5. The method according to claim 1, characterized in that The step of creating a risk indicator guidance template according to the preset indicator warning value includes: The indicator warning value includes an indicator data type and a warning threshold, and an indicator meta-tag and an operation tag are determined according to the indicator data type.

6. The method according to claim 5, characterized in that The step of comparing the risk indicator with a preset indicator warning value and sending indicator warning information according to the comparison result includes: The risk indicator is compared with the warning threshold, and when the risk indicator meets the warning condition, a preset indicator warning information is issued.

7. The method according to claim 1, characterized in that The risk indicator is calculated by using the risk indicator formula, including: The expression evaluation engine is used to calculate all risk indicator formulas to obtain risk indicators.

8. A risk indicator early warning device, characterized in that: include: A risk indicator guidance template generation module is used to create a guidance template for guiding the generation of risk indicator formulas according to indicator warning values; An operation formula generation module is used to generate a calculation formula suitable for risk indicator calculation according to the operation mark; The indicator metadata reading module is used to read the data of the corresponding field from the data table according to the indicator meta tag to form an indicator metadata data set; The risk indicator formula generation module is used to substitute the indicator metadata into the calculation formula to generate the risk indicator formula; The risk index calculation module is used to calculate the risk index formula to obtain the risk index; The indicator warning module is used to compare the risk indicator with the preset indicator warning value and issue indicator warning information.

9. A server, characterized in that: The server comprises: one or more processors; A storage device for storing one or more programs; When the one or more programs are executed by the one or more processors, the one or more processors implement the risk indicator early warning method as described in any one of claims 1-7.

10. A storage medium comprising computer executable instructions, wherein the computer executable instructions, when executed by a computer processor, are used to execute the risk indicator early warning method according to any one of claims 1 to 7.

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