Risk analysis method and device for financial service, storage medium and electronic equipment

Abstract

The invention discloses a financial service risk analysis method and device, a storage medium and electronic equipment. The method comprises the following steps: obtaining a target financial service to be put into production; determining a target risk value corresponding to the target financial service according to the parameter information corresponding to the target financial service; determining a risk analysis opportunity for the target financial service according to the target risk value; and performing risk analysis on the target financial service based on the risk analysis opportunity to obtain an analysis result. According to the method and the device, the problem of relatively low risk analysis accuracy caused by performing risk analysis on financial services in a manual mode in related technologies is solved.

Description

Technical Field

[0001] The present application relates to the field of financial technology, and specifically, to a risk analysis method and device, storage medium and electronic device for financial services. Background Art

[0002] As financial business systems become increasingly complex, the costs of change control and change scenario function verification or business verification for various supporting platforms that support the operation of financial systems are also increasing. At present, the risk assessment of financial service changes mainly relies on expert experience, which has the problem of incomplete and inaccurate risk assessment.

[0003] Currently, no effective solution has been proposed to address the problem that risk analysis of financial services is performed manually in related technologies, resulting in relatively low accuracy of risk analysis. Summary of the invention

[0004] The main purpose of this application is to provide a risk analysis method and device for financial services, a storage medium and an electronic device to solve the problem in the related art that risk analysis of financial services is performed manually, resulting in relatively low accuracy of risk analysis.

[0005] In order to achieve the above-mentioned purpose, according to one aspect of the present application, a risk analysis method for financial services is provided. The method includes: obtaining a target financial service to be put into production; determining a target risk value corresponding to the target financial service based on parameter information corresponding to the target financial service; determining a risk analysis opportunity for the target financial service based on the target risk value; and performing risk analysis on the target financial service based on the risk analysis opportunity to obtain an analysis result.

[0006] Furthermore, based on the parameter information corresponding to the target financial service, determining the target risk value corresponding to the target financial service includes: judging whether there is a basic financial service for the target financial service; if the basic financial service exists, determining the target risk value corresponding to the target financial service based on the parameter information corresponding to the basic financial service and the parameter information corresponding to the target financial service; if the basic financial service does not exist, determining the target risk value corresponding to the target financial service based on the parameter information corresponding to the target financial service.

[0007] Further, based on the parameter information corresponding to the basic financial service and the parameter information corresponding to the target financial service, determining the target risk value corresponding to the target financial service includes: determining multiple change parameter information corresponding to the target financial service based on the parameter information corresponding to the basic financial service and the parameter information corresponding to the target financial service; determining the risk value corresponding to each change parameter information based on the multiple change parameter information; determining the target risk value based on the risk value corresponding to each change parameter information.

[0008] Further, based on the target risk value, determining the timing of risk analysis for the target financial service includes: if the target risk value is less than a first preset threshold, determining the timing of risk analysis to be before the target financial service goes into production; if the target risk value is greater than or equal to the first preset threshold, and less than a second preset threshold, determining the timing of risk analysis to be before the target financial service goes into production and during the target financial service goes into production; if the target risk value is greater than or equal to the second preset threshold, determining the timing of risk analysis to be before the target financial service goes into production, during the target financial service goes into production, and after the target financial service goes into production.

[0009] Further, performing risk analysis on the target financial service based on the risk analysis opportunity and obtaining the analysis result includes: deploying the target financial service to a target system; determining a test case for performing risk analysis on the target financial service based on the risk analysis opportunity; and performing risk analysis on the target financial service based on the test case in the target system to obtain the analysis result.

[0010] Furthermore, in the target system, a risk analysis is performed on the target financial service based on the test case, and the analysis result includes: obtaining an estimated time for the target financial service to be put into production; based on the estimated time for the target financial service to be put into production, determining whether the current time is the time for risk analysis; if the current time is the time for risk analysis, a risk analysis is performed on the target financial service based on the test case to obtain the analysis result.

[0011] Furthermore, after performing a risk analysis on the target financial service based on the risk analysis opportunity and obtaining an analysis result, the method also includes: if the analysis result indicates that the target financial service is at risk, optimizing the target financial service based on the analysis result to obtain an optimized target financial service; and repeatedly executing the step of determining a target risk value corresponding to the optimized target financial service based on parameter information corresponding to the optimized target financial service until the analysis result indicates that the target financial service is not at risk.

[0012] In order to achieve the above-mentioned purpose, according to another aspect of the present application, a risk analysis device for financial services is provided. The device includes: an acquisition unit, used to acquire a target financial service to be put into production; a first determination unit, used to determine a target risk value corresponding to the target financial service based on parameter information corresponding to the target financial service; a second determination unit, used to determine a risk analysis opportunity for the target financial service based on the target risk value; and an analysis unit, used to perform risk analysis on the target financial service based on the risk analysis opportunity to obtain an analysis result.

[0013] Furthermore, the first determination unit includes: a judgment module, used to judge whether there is a basic financial service for the target financial service; a first determination module, used to determine the target risk value corresponding to the target financial service based on parameter information corresponding to the basic financial service and parameter information corresponding to the target financial service if the basic financial service exists; and a second determination module, used to determine the target risk value corresponding to the target financial service based on parameter information corresponding to the target financial service if the basic financial service does not exist.

[0014] Furthermore, the first determination module includes: a first determination sub-module, used to determine multiple change parameter information corresponding to the target financial service based on the parameter information corresponding to the basic financial service and the parameter information corresponding to the target financial service; a second determination sub-module, used to determine the risk value corresponding to each change parameter information based on the multiple change parameter information; and a third determination sub-module, used to determine the target risk value based on the risk value corresponding to each change parameter information.

[0015] Further, the second determination unit includes: a third determination module, used to determine that the time for risk analysis is before the target financial service goes into production if the target risk value is less than a first preset threshold; a fourth determination module, used to determine that the time for risk analysis is before the target financial service goes into production and during the target financial service goes into production if the target risk value is greater than or equal to the first preset threshold and less than the second preset threshold; a fifth determination module, used to determine that the time for risk analysis is before the target financial service goes into production, during the target financial service goes into production and after the target financial service goes into production if the target risk value is greater than or equal to the second preset threshold.

[0016] Furthermore, the analysis unit includes: a deployment module, used to deploy the target financial service into a target system; a sixth determination module, used to determine a test case for performing risk analysis on the target financial service based on the risk analysis timing; and an analysis module, used to perform risk analysis on the target financial service based on the test case in the target system to obtain the analysis result.

[0017] Furthermore, the analysis module includes: an acquisition submodule, used to obtain the estimated commissioning time of the target financial service; a judgment submodule, used to judge whether the current time is the risk analysis time based on the estimated commissioning time; and an analysis submodule, used to perform a risk analysis on the target financial service based on the test case if the time is the risk analysis time, to obtain the analysis result.

[0018] Furthermore, the device also includes: an optimization unit, which is used to perform a risk analysis on the target financial service based on the risk analysis opportunity, and after obtaining the analysis result, if the analysis result indicates that the target financial service is risky, optimize the target financial service based on the analysis result to obtain the optimized target financial service; a third determination unit, which is used to repeatedly execute the step of determining the target risk value corresponding to the optimized target financial service based on the parameter information corresponding to the optimized target financial service, until the analysis result indicates that the target financial service is risk-free.

[0019] In order to achieve the above-mentioned purpose, according to another aspect of the present application, a computer-readable storage medium is also provided, wherein the computer-readable storage medium includes a stored executable program, wherein when the executable program is running, the device where the computer-readable storage medium is located is controlled to execute the steps of any one of the above-mentioned method embodiments.

[0020] In order to achieve the above-mentioned purpose, according to another aspect of the present application, there is further provided an electronic device, comprising a memory and a processor, wherein the memory stores a computer program, and the processor is configured to run the computer program to execute the steps in any one of the above-mentioned method embodiments.

[0021] In the embodiment of the present application, a target financial service to be put into production is obtained; based on the parameter information corresponding to the target financial service, a target risk value corresponding to the target financial service is determined; based on the target risk value, a risk analysis opportunity for the target financial service is determined; based on the risk analysis opportunity, a risk analysis is performed on the target financial service to obtain an analysis result, which solves the technical problem of low accuracy of risk analysis caused by manual risk analysis of financial services in related technologies. In this scheme, when there is a target financial service to be put into production, the target risk value corresponding to the target financial service is determined based on the parameter information corresponding to the target financial service, so as to determine the risk analysis opportunity for the target financial service based on the target risk value, and finally, the risk analysis is performed on the target financial service based on the determined risk analysis opportunity. The risk value of the target financial service can be determined more accurately through the parameter information corresponding to the target financial service, and then the risk analysis opportunity for the target financial service can be accurately determined, thereby improving the accuracy of risk analysis of the financial service, thereby achieving the effect of ensuring the stable operation of the subsequent target financial service. BRIEF DESCRIPTION OF THE DRAWINGS

[0022] 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:

[0023] Figure 1 It is a hardware structure block diagram of a computer terminal for implementing a risk analysis method for financial services provided in an embodiment of the present application;

[0024] Figure 2 is a flow chart of a risk analysis method for financial services provided according to an embodiment of the present application;

[0025] Figure 3 is a schematic diagram of a risk analysis device for financial services provided according to an embodiment of the present application;

[0026] Figure 4 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] It should be noted that the collected information (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.) involved in this application 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, a method embodiment of risk analysis of financial services is also provided. It should be noted that the steps shown in the flowchart of 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 (or mobile device) for implementing a risk analysis method for financial services is shown. Figure 1 As shown, the computer terminal 10 (or mobile device) may include one or more (102a, 102b, ..., 102n are used to illustrate) processors 102 (the processor 102 may include but is not limited to a processing device such as a microprocessor MCU or a programmable logic device FPGA), 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), a universal serial bus (USB) 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 risk analysis method for financial services 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 risk analysis method for financial services described 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) that enables 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 Risk analysis methods for financial services shown. Figure 2 It is a flow chart of the risk analysis method of financial services according to the first embodiment of the present application.

[0038] Step S201, obtaining the target financial service to be put into production.

[0039] Optionally, determine the target financial service to be put into production, for example, build a financial service release, build, deploy and run system A, perform version code management, version configuration management, centralized log management, version compilation, build and release, and version deployment and operation maintenance in system A. At the same time, a basic change management system B can also be built to implement change application, change approval, and change feedback capabilities in system B. For example, a user can initiate a change application for risk analysis of the target financial service to be put into production in system B, and submit a corresponding change application list, which can include relevant parameter information of the target financial service to be put into production, such as resource parameters of the target financial service.

[0040] Step S202: determining a target risk value corresponding to the target financial service based on parameter information corresponding to the target financial service.

[0041] Optionally, the target financial service is risk quantified based on parameter information corresponding to the target financial service to obtain a target risk value corresponding to the target financial service. For example, different risk quantification scores are determined based on different parameter information corresponding to the target financial service, and then the risk quantification scores of each item are summed up to obtain the above-mentioned target risk value.

[0042] Step S203: determining a risk analysis opportunity for the target financial service based on the target risk value.

[0043] Optionally, the timing of risk analysis for the target financial service is determined according to the target risk value. For example, if the risk value is high, risk analysis is performed at three timing points: before production, during production, and after production.

[0044] Step S204: Perform risk analysis on the target financial service based on the risk analysis opportunity to obtain analysis results.

[0045] Optionally, risk analysis is performed on the target financial service according to the risk analysis timing to obtain corresponding analysis results.

[0046] In summary, by obtaining the target financial service to be put into production; determining the target risk value corresponding to the target financial service based on the parameter information corresponding to the target financial service; determining the timing of risk analysis on the target financial service based on the target risk value; and performing risk analysis on the target financial service based on the risk analysis timing to obtain the analysis result, the technical problem of low accuracy of risk analysis caused by manual risk analysis of financial services is solved. In this scheme, when there is a target financial service to be put into production, the target risk value corresponding to the target financial service is determined based on the parameter information corresponding to the target financial service, so as to determine the timing of risk analysis on the target financial service based on the target risk value, and finally, the target financial service is risk analyzed based on the determined risk analysis timing. The risk value of the target financial service can be determined more accurately through the parameter information corresponding to the target financial service, and then the timing of risk analysis on the target financial service can be accurately determined, thereby improving the accuracy of risk analysis on the financial service, and thus achieving the effect of ensuring the stable operation of the subsequent target financial service.

[0047] Optionally, in the risk analysis method for financial services provided in the embodiment of the present application, determining the target risk value corresponding to the target financial service based on the parameter information corresponding to the target financial service includes: judging whether there is a basic financial service for the target financial service; if there is a basic financial service, determining the target risk value corresponding to the target financial service based on the parameter information corresponding to the basic financial service and the parameter information corresponding to the target financial service; if there is no basic financial service, determining the target risk value corresponding to the target financial service based on the parameter information corresponding to the target financial service.

[0048] In an optional embodiment, the target risk value corresponding to the target financial service can be determined by the following steps: First, determine whether there is a basic financial service for the target financial service, that is, whether there is an old version of the financial service, and the target financial service is a new version of the basic financial service. If there is a basic financial service, then based on the parameter information corresponding to the basic financial service and the parameter information corresponding to the target financial service, determine the target risk value corresponding to the target financial service, for example, determine the parameter information that has changed, and then determine the target risk value corresponding to the target financial service based on the changed parameter information. If there is no basic financial service, then directly determine the target risk value corresponding to the target financial service based on the parameter information corresponding to the target financial service.

[0049] In the case where basic financial services exist, the target risk value corresponding to the target financial service can be more accurately assessed based on the parameter information corresponding to the basic financial service and the parameter information corresponding to the target financial service.

[0050] Optionally, in the risk analysis method for financial services provided in the embodiment of the present application, determining the target risk value corresponding to the target financial service based on the parameter information corresponding to the basic financial service and the parameter information corresponding to the target financial service includes: determining multiple change parameter information corresponding to the target financial service based on the parameter information corresponding to the basic financial service and the parameter information corresponding to the target financial service; determining the risk value corresponding to each change parameter information based on the multiple change parameter information; and determining the target risk value based on the risk value corresponding to each change parameter information.

[0051] In an optional embodiment, determining the target risk value corresponding to the target financial service based on the parameter information corresponding to the basic financial service and the parameter information corresponding to the target financial service includes the following steps: comparing the parameter information corresponding to the basic financial service with the parameter information corresponding to the target financial service to obtain multiple changed parameter information corresponding to the target financial service, and then determining the target risk value based on the risk value corresponding to each changed parameter information.

[0052] In an optional embodiment, if the basic financial service does not exist, each parameter of the target financial service is a change parameter.

[0053] For example, the change parameters and the corresponding change risk levels and risk quantification scores shown in Table 1 may be defined.

[0054] Table 1

[0055]

[0056] By performing fine-grained splitting of the change content, such as core code branch adjustments, DML or DDL and other policy updates, application deployment container configuration updates, APOLLO configuration center variable additions, modifications, and deletions, different risk quantification values ​​are defined according to the impact, so that the target risk value can be determined more accurately.

[0057] Optionally, in the risk analysis method for financial services provided in the embodiments of the present application, determining the timing of risk analysis for the target financial service based on the target risk value includes: if the target risk value is less than a first preset threshold, determining the timing of risk analysis to be before the target financial service goes into production; if the target risk value is greater than or equal to the first preset threshold, and less than a second preset threshold, determining the timing of risk analysis to be before the target financial service goes into production and during the target financial service goes into production; if the target risk value is greater than or equal to the second preset threshold, determining the timing of risk analysis to be before the target financial service goes into production, during the target financial service goes into production, and after the target financial service goes into production.

[0058] In an optional embodiment, after obtaining the target risk value, the following steps are used to determine the timing of risk analysis for the target financial service: determine whether the target risk value is less than a first preset threshold, for example, 5; if the target risk value is less than the first preset threshold, determine the timing of risk analysis to be before the target financial service goes into production; if the target risk value is greater than or equal to the first preset threshold and less than a second preset threshold, for example, 20, determine the timing of risk analysis to be before the target financial service goes into production and during the target financial service goes into production; if the target risk value is greater than or equal to the second preset threshold, determine the timing of risk analysis to be before the target financial service goes into production, during the target financial service goes into production, and after the target financial service goes into production.

[0059] The risk value can be used to more accurately determine the timing of risk verification of financial services, and can better ensure the stability of subsequent financial service operations.

[0060] Optionally, in the risk analysis method for financial services provided in the embodiments of the present application, risk analysis is performed on the target financial service based on the risk analysis timing, and the analysis results are obtained, including: deploying the target financial service to the target system; based on the risk analysis timing, determining a test case for performing risk analysis on the target financial service; in the target system, performing risk analysis on the target financial service based on the test case to obtain the analysis results.

[0061] In an optional embodiment, risk analysis of the target financial service includes the following steps: first, an intelligent verification platform C may be built, and then risk analysis such as log keyword verification, container template parameter verification, container node operation status verification, and configuration parameter update result verification may be implemented by integrating the open API capabilities of system A and system B. The target financial service is deployed to the target system. It should be noted that the target system is a system that provides external services for the target financial service.

[0062] Then, the test cases for risk analysis of the target financial services are determined according to the timing of risk analysis. It should be noted that system C can define intelligent test cases according to the differences in the change stages (before production, during production, and after production).

[0063] Finally, in the target system, risk analysis of the target financial services is performed based on the test cases to obtain the analysis results.

[0064] By using test cases corresponding to the timing of risk analysis, risk analysis of the target financial institution can be conducted more accurately, thereby improving the accuracy of the analysis results.

[0065] Optionally, in the risk analysis method for financial services provided in an embodiment of the present application, in the target system, a risk analysis is performed on the target financial service based on a test case, and the analysis results include: obtaining an estimated time for the target financial service to be put into production; based on the estimated time for the target financial service to be put into production, determining whether it is currently at a time for risk analysis; if it is currently at a time for risk analysis, performing a risk analysis on the target financial service based on the test case to obtain an analysis result.

[0066] In an optional embodiment, risk analysis of the target financial service based on the test case includes: collecting the expected production time of the target financial service, and then judging whether it is before, during or after the production based on the expected production time, that is, judging whether it is currently in the risk analysis period, and if it is in the risk analysis period, risk analysis of the target financial service is performed based on the test case to obtain the analysis result. For example, by triggering the relevant intelligent verification case through the system C open API, the case execution result is synchronously called back to realize the rapid response to the pre- and post-risks (CPU surge, cluster capacity abnormality, environmental configuration abnormality, etc.) of each link of the production.

[0067] Through test cases, potential risk points in financial services can be identified more accurately and the stability of subsequent financial service operations can be improved.

[0068] Optionally, in the risk analysis method for financial services provided in the embodiments of the present application, after performing a risk analysis on the target financial service based on the risk analysis opportunity and obtaining the analysis results, the method also includes: if the analysis results indicate that the target financial service is at risk, optimizing the target financial service based on the analysis results to obtain an optimized target financial service; and repeatedly executing the step of determining a target risk value corresponding to the optimized target financial service based on parameter information corresponding to the optimized target financial service until the analysis results indicate that the target financial service is not at risk.

[0069] In an optional embodiment, after obtaining the analysis results, if the analysis results indicate that the target financial service is risky, the target financial service is optimized based on the analysis results to obtain the optimized target financial service, and the step of determining the target risk value corresponding to the optimized target financial service based on the parameter information corresponding to the optimized target financial service is repeated until the analysis results indicate that the target financial service is risk-free.

[0070] By optimizing the parameters of target financial services, it helps to improve the quality, efficiency and availability of financial services.

[0071] The risk analysis method for financial services provided in the embodiment of the present application is achieved by obtaining a target financial service to be put into production; determining a target risk value corresponding to the target financial service based on parameter information corresponding to the target financial service; determining the timing of risk analysis for the target financial service based on the target risk value; and performing risk analysis on the target financial service based on the risk analysis timing to obtain an analysis result, thereby solving the technical problem that the accuracy of risk analysis is relatively low due to manual risk analysis of financial services. In this solution, when there is a target financial service to be put into production, the target risk value corresponding to the target financial service is determined based on the parameter information corresponding to the target financial service, so as to determine the timing of risk analysis for the target financial service based on the target risk value, and finally, risk analysis is performed on the target financial service based on the determined risk analysis timing. The risk value of the target financial service can be more accurately determined through the parameter information corresponding to the target financial service, and then the timing of risk analysis for the target financial service can be accurately determined, thereby improving the accuracy of risk analysis for the financial service, thereby achieving the effect of ensuring the stable operation of the subsequent target financial service.

[0072] 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.

[0073] Example 2

[0074] The embodiment of the present application also provides a risk analysis device for financial services. It should be noted that the risk analysis device for financial services in the embodiment of the present application can be used to execute the risk analysis method for financial services provided in the embodiment of the present application. The risk analysis device for financial services provided in the embodiment of the present application is introduced below.

[0075] According to an embodiment of the present application, a device for implementing the risk analysis method for the above financial services is also provided, such as Figure 3 As shown, the device includes: an acquisition unit 301, a first determination unit 302, a second determination unit 303 and an analysis unit 304.

[0076] An acquisition unit 301 is used to acquire a target financial service to be put into production;

[0077] A first determining unit 302 is used to determine a target risk value corresponding to the target financial service according to parameter information corresponding to the target financial service;

[0078] The second determining unit 303 is used to determine the risk analysis timing for the target financial service according to the target risk value;

[0079] The analysis unit 304 is used to perform risk analysis on the target financial service based on the risk analysis opportunity to obtain an analysis result.

[0080] The risk analysis device for financial services provided in the embodiment of the present application obtains the target financial service to be put into production through the acquisition unit 301; the first determination unit 302 determines the target risk value corresponding to the target financial service based on the parameter information corresponding to the target financial service; the second determination unit 303 determines the risk analysis timing of the target financial service based on the target risk value; the analysis unit 304 performs risk analysis on the target financial service based on the risk analysis timing to obtain the analysis result, which solves the technical problem that the accuracy of risk analysis is relatively low due to the manual risk analysis of financial services. In this scheme, when there is a target financial service to be put into production, the target risk value corresponding to the target financial service is determined according to the parameter information corresponding to the target financial service, so as to determine the risk analysis timing of the target financial service according to the target risk value, and finally, the target financial service is risk analyzed according to the determined risk analysis timing, and the risk value of the target financial service can be more accurately determined through the parameter information corresponding to the target financial service, and then the risk analysis timing of the target financial service can be accurately determined, so as to improve the accuracy of risk analysis of the financial service, and then achieve the effect of ensuring the stable operation of the subsequent target financial service.

[0081] Optionally, in the risk analysis device for financial services provided in the embodiment of the present application, the first determination unit includes: a judgment module, used to determine whether there is a basic financial service for the target financial service; a first determination module, used to determine the target risk value corresponding to the target financial service based on parameter information corresponding to the basic financial service and parameter information corresponding to the target financial service if the basic financial service exists; and a second determination module, used to determine the target risk value corresponding to the target financial service based on the parameter information corresponding to the target financial service if there is no basic financial service.

[0082] Optionally, in the risk analysis device for financial services provided in an embodiment of the present application, the first determination module includes: a first determination sub-module, used to determine multiple change parameter information corresponding to the target financial service based on the parameter information corresponding to the basic financial service and the parameter information corresponding to the target financial service; a second determination sub-module, used to determine the risk value corresponding to each change parameter information based on the multiple change parameter information; and a third determination sub-module, used to determine the target risk value based on the risk value corresponding to each change parameter information.

[0083] Optionally, in the risk analysis device for financial services provided in the embodiment of the present application, the second determination unit includes: a third determination module, used to determine that the timing of risk analysis is before the target financial service goes into production if the target risk value is less than a first preset threshold; a fourth determination module, used to determine that the timing of risk analysis is before the target financial service goes into production and during the target financial service goes into production if the target risk value is greater than or equal to the first preset threshold and less than the second preset threshold; a fifth determination module, used to determine that the timing of risk analysis is before the target financial service goes into production, during the target financial service goes into production and after the target financial service goes into production if the target risk value is greater than or equal to the second preset threshold.

[0084] Optionally, in the risk analysis device for financial services provided in the embodiment of the present application, the analysis unit includes: a deployment module, used to deploy the target financial service to the target system; a sixth determination module, used to determine a test case for performing risk analysis on the target financial service based on the risk analysis timing; and an analysis module, used to perform risk analysis on the target financial service based on the test case in the target system to obtain an analysis result.

[0085] Optionally, in the risk analysis device for financial services provided in the embodiment of the present application, the analysis module includes: an acquisition sub-module, used to obtain the expected commissioning time of the target financial service; a judgment sub-module, used to judge whether it is currently in a risk analysis opportunity based on the expected commissioning time; and an analysis sub-module, used to perform a risk analysis on the target financial service based on a test case to obtain an analysis result if it is in a risk analysis opportunity.

[0086] Optionally, in the risk analysis device for financial services provided in the embodiment of the present application, the device also includes: an optimization unit, used to perform risk analysis on the target financial service based on the risk analysis opportunity, and after obtaining the analysis result, if the analysis result indicates that the target financial service is risky, the target financial service is optimized based on the analysis result to obtain the optimized target financial service; a third determination unit, used to repeatedly execute the step of determining the target risk value corresponding to the optimized target financial service based on the parameter information corresponding to the optimized target financial service, until the analysis result indicates that the target financial service is risk-free.

[0087] It should be noted that the acquisition unit 301, the first determination unit 302, the second determination unit 303 and the analysis unit 304 correspond to steps S201 to S204 in the first embodiment, and the four units and the corresponding steps implement the same examples and application scenarios, but are not limited to the contents disclosed in the first embodiment. It should be noted that the modules or units may 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 modules may also be part of the device and may be run in the computer terminal 10 provided in the first embodiment.

[0088] Example 3

[0089] An embodiment of the present application may provide an electronic device, Figure 4 is a structural block diagram of an electronic device according to an embodiment of the present application. Figure 4 As shown, the electronic device may include: one or more ( Figure 4 (only one is shown) processor 402, memory 404, storage controller, and peripheral interface, wherein the peripheral interface is connected to the radio frequency module, audio module and display.

[0090] 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.

[0091] The processor can call the information and application programs stored in the memory through the transmission device to execute the following steps: obtain the target financial service to be put into production; determine the target risk value corresponding to the target financial service based on the parameter information corresponding to the target financial service; determine the timing of risk analysis for the target financial service based on the target risk value; perform risk analysis on the target financial service based on the risk analysis timing to obtain analysis results.

[0092] The processor can call the information and application stored in the memory through the transmission device to perform the following steps: determine the target risk value corresponding to the target financial service based on the parameter information corresponding to the target financial service, including: judging whether there is a basic financial service for the target financial service; if there is a basic financial service, determining the target risk value corresponding to the target financial service based on the parameter information corresponding to the basic financial service and the parameter information corresponding to the target financial service; if there is no basic financial service, determining the target risk value corresponding to the target financial service based on the parameter information corresponding to the target financial service.

[0093] The processor can call the information and application stored in the memory through the transmission device to perform the following steps: based on the parameter information corresponding to the basic financial service and the parameter information corresponding to the target financial service, determine the target risk value corresponding to the target financial service, including: based on the parameter information corresponding to the basic financial service and the parameter information corresponding to the target financial service, determine multiple change parameter information corresponding to the target financial service; based on the multiple change parameter information, determine the risk value corresponding to each change parameter information; determine the target risk value according to the risk value corresponding to each change parameter information.

[0094] The processor can call the information and application stored in the memory through the transmission device to perform the following steps: based on the target risk value, determine the timing of risk analysis for the target financial service, including: if the target risk value is less than a first preset threshold, then determine the timing of risk analysis to be before the target financial service goes into production; if the target risk value is greater than or equal to the first preset threshold, and less than the second preset threshold, then determine the timing of risk analysis to be before the target financial service goes into production and during the target financial service goes into production; if the target risk value is greater than or equal to the second preset threshold, then determine the timing of risk analysis to be before the target financial service goes into production, during the target financial service goes into production, and after the target financial service goes into production.

[0095] The processor can call the information and application programs stored in the memory through the transmission device to execute the following steps: perform risk analysis on the target financial service based on the risk analysis opportunity, and obtain analysis results including: deploying the target financial service to the target system; based on the risk analysis opportunity, determining a test case for performing risk analysis on the target financial service; in the target system, perform risk analysis on the target financial service based on the test case to obtain analysis results.

[0096] The processor can call the information and application programs stored in the memory through the transmission device to execute the following steps: in the target system, perform a risk analysis on the target financial service based on the test case, and obtain the analysis results including: obtaining the expected production time of the target financial service; based on the expected production time, determining whether it is currently at the time of risk analysis; if it is currently at the time of risk analysis, perform a risk analysis on the target financial service based on the test case to obtain the analysis results.

[0097] The processor can call the information and application stored in the memory through the transmission device to execute the following steps: after performing a risk analysis on the target financial service based on the risk analysis opportunity and obtaining the analysis result, the method also includes: if the analysis result indicates that the target financial service is at risk, optimizing the target financial service based on the analysis result to obtain the optimized target financial service; repeatedly executing the step of determining the target risk value corresponding to the optimized target financial service based on the parameter information corresponding to the optimized target financial service until the analysis result indicates that the target financial service is not at risk.

[0098] It can be understood by those skilled in the art that Figure 4 The structure shown is for illustration only, and the electronic device may also be a smart phone (such as an Android phone, an iOS phone, etc.), a tablet computer, a PDA, a mobile Internet device (Mobile Internet Devices, MID), a PAD, or other terminal devices. Figure 4 The structure of the electronic device is not limited. Figure 4 More or fewer components (such as network interfaces, display devices, etc.) shown in, or having Figure 4 Different configurations are shown.

[0099] 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.

[0100] Example 4

[0101] 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 risk analysis method for financial services provided in the first embodiment.

[0102] 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.

[0103] 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 risk analysis method for financial services.

[0104] 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.

[0105] 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.

[0106] 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.

[0107] 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.

[0108] 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.

[0109] 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.

[0110] 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 risk analysis method for financial services, characterized in that: include: Obtain target financial services to be put into production; Determining a target risk value corresponding to the target financial service based on parameter information corresponding to the target financial service; Determining the timing of risk analysis for the target financial service based on the target risk value; Perform risk analysis on the target financial service based on the risk analysis opportunity to obtain analysis results.

2. The method according to claim 1, characterized in that Determining the target risk value corresponding to the target financial service according to the parameter information corresponding to the target financial service includes: Determine whether the target financial service has basic financial services; If the basic financial service exists, determining the target risk value corresponding to the target financial service based on the parameter information corresponding to the basic financial service and the parameter information corresponding to the target financial service; If the basic financial service does not exist, the target risk value corresponding to the target financial service is determined based on the parameter information corresponding to the target financial service.

3. The method according to claim 2, characterized in that Determining the target risk value corresponding to the target financial service based on the parameter information corresponding to the basic financial service and the parameter information corresponding to the target financial service includes: Based on the parameter information corresponding to the basic financial service and the parameter information corresponding to the target financial service, determining a plurality of change parameter information corresponding to the target financial service; Based on the multiple pieces of changed parameter information, determine a risk value corresponding to each piece of changed parameter information; The target risk value is determined according to the risk value corresponding to each change parameter information.

4. The method according to claim 1, characterized in that: Determining the timing of risk analysis for the target financial service based on the target risk value includes: If the target risk value is less than a first preset threshold, determining that the risk analysis time is before the target financial service is put into production; If the target risk value is greater than or equal to a first preset threshold value and less than a second preset threshold value, determining that the risk analysis timing is before the target financial service is put into production and during the target financial service is put into production; If the target risk value is greater than or equal to a second preset threshold, the risk analysis timing is determined to be before the target financial service is put into production, during the target financial service is put into production, and after the target financial service is put into production.

5. The method according to claim 1, characterized in that: Performing risk analysis on the target financial service based on the risk analysis opportunity, obtaining analysis results including: deploying the target financial service into a target system; Based on the risk analysis opportunity, determining a test case for performing risk analysis on the target financial service; In the target system, risk analysis is performed on the target financial service based on the test case to obtain the analysis result.

6. The method according to claim 5, characterized in that In the target system, risk analysis is performed on the target financial service based on the test case, and the analysis result obtained includes: Obtain the estimated time of launch of the target financial service; Based on the estimated production time, determining whether the current time is the risk analysis time; If it is the risk analysis opportunity, risk analysis is performed on the target financial service based on the test case to obtain the analysis result.

7. The method according to claim 5, characterized in that After performing risk analysis on the target financial service based on the risk analysis opportunity and obtaining the analysis result, the method further includes: If the analysis result indicates that the target financial service has risks, optimizing the target financial service based on the analysis result to obtain an optimized target financial service; The step of determining the target risk value corresponding to the optimized target financial service according to the parameter information corresponding to the optimized target financial service is repeatedly performed until the analysis result indicates that the target financial service does not have risk.

8. A risk analysis device for financial services, characterized in that: include: An acquisition unit, used to acquire target financial services to be put into production; A first determining unit, configured to determine a target risk value corresponding to the target financial service according to parameter information corresponding to the target financial service; A second determining unit, configured to determine a risk analysis opportunity for the target financial service according to the target risk value; An analysis unit is used to perform risk analysis on the target financial service based on the risk analysis opportunity to obtain an analysis result.

9. A computer-readable storage medium, characterized in that: The computer-readable storage medium includes a stored executable program, wherein when the executable program is executed, the device where the computer-readable storage medium is located is controlled to execute the risk analysis method for financial services according to any one of claims 1 to 7.

10. An electronic device, characterized in that: include: A memory storing an executable program; A processor is used to run the program, wherein the program, when running, executes the risk analysis method for financial services according to any one of claims 1 to 7.

Images