Green financial service management method and system based on artificial intelligence

Abstract

The invention discloses a green financial service management method and system based on artificial intelligence, a green financial service management system is constructed based on an artificial intelligence technology, project benefits are accurately calculated by using big data, and supervision requirements are met; an intra-bank data warehouse system is connected, data sources of loan products are integrated, and intensive processing of data and environmental risk management are achieved; a green financial business management process is established, and a perfect green financial framework system is constructed; the green financial framework system comprises the steps that a user layer carries out sorting according to whether a user registers an account or not, unregistered accounts are firstly subjected to green application serialization, and the green application serialization ensures basic user information. The green financial service management method and system are processed through artificial intelligence, the efficiency and safety of green financial service management are improved, and based on introduction of artificial intelligence, customers can be helped to master market trends and make more accurate decisions in a shorter time through comprehensive analysis of big data.

Description

Technical Field

[0001] The present invention relates to the technical field of financial service management, and in particular to a green financial service management method and system based on artificial intelligence. Background Art

[0002] With the clarification of the top-level design of the domestic green financial system, green finance has entered a golden period of development. Financial institutions at all levels have adhered to the concept of green finance, innovated business varieties, expanded business scope, and promoted financial innovation practices such as "green credit", "green securities" and "green insurance". While effectively improving their own competitiveness and strength, they have also gained wide recognition and acceptance in society.

[0003] In a supply chain financial service management system and method with publication number CN114387079A, the present invention mainly submits a financing application and enterprise information through a supply chain platform, evaluates the enterprise type according to the enterprise information, and confirms whether it is a small, medium or large enterprise, opens a corresponding business processing channel according to the enterprise type, conducts pledge asset evaluation and credit evaluation according to the amount applied by the customer, and enters the loan processing after the evaluation is qualified, manages and displays the customer's repayment information and financing history data after the loan is issued, and after the customer submits the enterprise information, performs corresponding channel business processing for different types of enterprises, and the review standards of the two business processing channels are different, which provides convenience for financial services for different enterprises, enables small and medium-sized enterprises to enjoy special business processing channels, and improves the efficiency of small and medium-sized enterprises' on-chain business processing to a certain extent. Summary of the invention

[0004] 1. Technical issues to be resolved

[0005] In view of the shortcomings of the prior art, the present invention provides a green financial service management method and system based on artificial intelligence, which improves the efficiency and security of green financial service management by processing the green financial service management method and system through artificial intelligence.

[0006] (II) Technical solution

[0007] To achieve the above objectives, the present invention provides the following technical solutions: a green financial service management method based on artificial intelligence, comprising:

[0008] Build a green financial service management system based on artificial intelligence technology and use big data to accurately calculate project benefits to meet regulatory requirements;

[0009] Connect with the bank's internal data warehouse system and integrate the data sources of various loan products to achieve intensive data processing and environmental risk management;

[0010] Establish green finance business management processes and build a comprehensive green finance framework system;

[0011] The green finance framework system includes:

[0012] The user layer is sorted according to whether the user has registered an account. Unregistered accounts must first apply for a green application. The green application ensures basic user information and protects the security of users and the financial service management system.

[0013] The review layer directly conducts AI review on registered users to check whether the user’s login platform and system are safe. AI review can quickly and efficiently screen and confirm the identity of users;

[0014] The business application layer allows users to enter the financial service management system, where they can perform basic operations and select items for business processing;

[0015] The intelligent recommendation layer uses artificial intelligence to identify whether the business is green financial service content, budgets environmental benefits, and warns of environmental and social risks. Artificial intelligence will make intelligent recommendations based on service content. Users can directly manage financial services based on artificial intelligence recommendations, or independently select service recipients;

[0016] The user enters the service business according to the selected business and completes it. The data layer backs up and stores the content of the service business for later reference.

[0017] Preferably, the users include corporate companies, government users, public welfare users, private users and other users.

[0018] Preferably, the system provides environmental monitoring social monitoring early warning prompts and early warning disposal process functions, providing support for banks to formulate and implement targeted post-loan management measures for customers with potential major environmental risks.

[0019] Preferably, the business application layer includes multiple units, and the multiple unit modules meet the needs of users for handling different businesses. The account management unit manages the basic information of the user, and the credential management unit meets the user's credential printing needs.

[0020] A green financial service management system based on artificial intelligence, comprising:

[0021] Customer information management module, loan management module, deposit management module, fund settlement management module, financial product management module, online banking business management module, credit card management module, cash management module, account management module, institution management module, personnel management module, report management module, risk management module, voucher management module, system management module, green credit certification module, customer ESG assessment module, data statistical analysis module, green investment assessment module, environmental data accounting module, ESG template configuration module and emission accounting configuration module,

[0022] Green Credit Recognition Module: used to identify and review loan projects that meet green finance standards, including application, approval, loan disbursement and repayment management processes;

[0023] Green investment assessment module: used to assess and screen investment projects that meet green standards, including investment, monitoring and assessment links;

[0024] Client ESG Assessment Module: used to assess clients’ environmental, social and governance factors, helping financial institutions determine clients’ sustainability and risks;

[0025] Environmental data accounting module: used to collect, calculate and manage environmental data, including information on green energy, emission reduction projects, etc.

[0026] Preferably, the data statistical analysis module is used to perform statistics and analysis on environmental data and ESG assessment results to provide support for risk management and decision-making; the ESG template configuration module is used to configure and manage ESG assessment templates to customize assessment indicators according to industry, region and other characteristics; the emission accounting configuration module is used to configure and manage the emission accounting process to help organizations accurately calculate and monitor carbon emissions.

[0027] Preferably, the business application layer management system includes matching and business handling, the contents of which are:

[0028] S11. According to user information management, business matching is performed on customers, and different customers are classified and managed;

[0029] S12. Classify and manage, enter the business processing through the artificial intelligence control center, and match the corresponding business processing channel;

[0030] S13. The user chooses to handle the business, and the operating platform and information are monitored for green security while handling the business;

[0031] S14. Users handle one or more businesses such as loans, deposits, fund settlement, credit cards, etc. based on artificial intelligence.

[0032] Preferably, the risk management module includes detection, monitoring and processing in the following manner:

[0033] S21. Financial services investment testing, which is carried out based on the AI ​​big data and all the contents in the information database;

[0034] S22. Setting a monitoring method to monitor the operation information, operation steps and saved content of the green financial service management user in real time;

[0035] S23, artificial intelligence screening, through the intelligent control center and safety equipment to screen the operation and storage information, predict and prevent potential risks;

[0036] S24: Automated processing, using artificial intelligence to delete errors and security risks.

[0037] Preferably, the customer ESG evaluation formula is:

[0038]

[0039] In the above formula, each symbol represents the following meaning:

[0040] i=1,2,…,; represents the companies in the anchor range;

[0041] t=1,2,…,:indicates the assessment year;

[0042] j=1,2,…,:represents the problem level indicator;

[0043] Cijt = indicator j of company i at issue level, i.e., S&P Global ESG score from CSA;

[0044] The formula for calculating environmental data is: Y=C+V+E, where Y is the total cost of the product, C is the material cost, V is the labor cost, and E is the environmental cost. Material cost refers to the monetary expression of the materialized labor consumed in the production process of the product; labor cost refers to the monetary expression of the living labor consumed in the production process; environmental cost refers to the monetary expression of the value of natural resources consumed in the production process of the product and the reduction in the value of related ecological resources.

[0045] Preferably, the financial service management system is promoted to a green and safe financial service management system through green financial management system, artificial intelligence green financial supervision and green financial policy, and the green and safe financial service management system ensures the security of the bank and client ends.

[0046] (III) Beneficial effects

[0047] Compared with the prior art, the present invention provides a green financial service management method and system based on artificial intelligence, which has the following beneficial effects: (1) The method proposes a transformation based on artificial intelligence so that financial service management can more accurately understand market demand. In the traditional financial model, the system often relies on manual analysis and market forecasting to make business decisions, while the introduction of artificial intelligence can help customers grasp market trends in a shorter time and make more accurate decisions through comprehensive analysis of big data; (2) Green financial service management based on artificial intelligence also prompts financial institutions to optimize business processes and improve work efficiency. Through the application of intelligent technology, financial institutions can realize process automation and reduce manual intervention; (3) The green financial management system aims to integrate green finance-related financing, investment, evaluation and management functions, enhance investors' understanding of the transparency and sustainability of green projects, reduce the cost and risk of green financial transactions, provide users with end-to-end solutions, help financial institutions and enterprises better finance and invest in green projects, improve investors' understanding and trust in green finance, and provide stakeholders with more comprehensive support and services. BRIEF DESCRIPTION OF THE DRAWINGS

[0048] Figure 1 This is a flowchart of a green financial service management method based on artificial intelligence;

[0049] Figure 2 This is a module diagram of a green financial service management system based on artificial intelligence in the present invention;

[0050] Figure 3 This is a schematic diagram of a green financial service management system based on artificial intelligence in the present invention. DETAILED DESCRIPTION

[0051] The following is a clear and complete description of the technical solutions in the embodiments of the present invention in conjunction with specific embodiments. Obviously, the described embodiments are only part of the embodiments of the present invention, not all of the embodiments. Based on the embodiments of the present invention, all other embodiments obtained by ordinary technicians in this field without creative work are within the scope of protection of the present invention.

[0052] See also Figure 1-3 , the present invention: a green financial service management method based on artificial intelligence, comprising:

[0053] Build a green financial service management system based on artificial intelligence technology and use big data to accurately calculate project benefits to meet regulatory requirements;

[0054] Connect with the bank's internal data warehouse system and integrate the data sources of various loan products to achieve intensive data processing and environmental risk management;

[0055] Establish green finance business management processes and build a comprehensive green finance framework system;

[0056] The green finance framework system includes:

[0057] The user layer is sorted according to whether the user has registered an account. Unregistered accounts must first apply for a green application. The green application ensures basic user information and the security of users and financial service management systems. Users include corporate companies, government users, public welfare users, and private users.

[0058] The review layer directly conducts AI review on registered users to check whether the user’s login platform and system are safe. AI review can quickly and efficiently screen and confirm the identity of users;

[0059] The business application layer allows users to enter the financial service management system, where they can perform basic operations and select items for business processing;

[0060] The intelligent recommendation layer uses artificial intelligence to identify whether the business is green financial service content, budgets environmental benefits, and warns of environmental and social risks. Artificial intelligence will make intelligent recommendations based on service content. Users can directly manage financial services based on artificial intelligence recommendations, or independently select service recipients;

[0061] The user enters the service business according to the selected business and completes it. The data layer backs up and stores the content of the service business for later reference.

[0062] Preferably, the system provides environmental monitoring social monitoring early warning prompts and early warning disposal process functions, providing support for banks to formulate and implement targeted post-loan management measures for customers with potential major environmental risks.

[0063] Preferably, the business application layer includes multiple units, and the multiple unit modules meet the needs of users for handling different businesses. The account management unit manages the basic information of the user, and the credential management unit meets the user's credential printing needs.

[0064] In conjunction with the financial service management method of the present invention, the present invention further illustrates: a green financial service management system based on artificial intelligence, comprising:

[0065] Customer information management module, loan management module, deposit management module, fund settlement management module, financial product management module, online banking business management module, credit card management module, cash management module, account management module, institution management module, personnel management module, report management module, risk management module, voucher management module, system management module, green credit certification module, customer ESG assessment module, data statistical analysis module, green investment assessment module, environmental data accounting module, ESG template configuration module and emission accounting configuration module,

[0066] Green Credit Recognition Module: used to identify and review loan projects that meet green finance standards, including application, approval, loan disbursement and repayment management processes;

[0067] Green investment assessment module: used to assess and screen investment projects that meet green standards, including investment, monitoring and assessment links;

[0068] Client ESG Assessment Module: used to assess clients’ environmental, social and governance factors, helping financial institutions determine clients’ sustainability and risks;

[0069] Environmental data accounting module: used to collect, calculate and manage environmental data, including information on green energy, emission reduction projects, etc.

[0070] Preferably, the data statistical analysis module is used to conduct statistics and analysis on environmental data and ESG assessment results to provide support for risk management and decision-making; the ESG template configuration module is used to configure and manage ESG assessment templates and customize assessment indicators according to industry, region and other characteristics; the emission accounting configuration module is used to configure and manage the emission accounting process to help institutions accurately calculate and monitor carbon emissions.

[0071] Preferably, the business application layer management system includes matching and business handling, the contents of which are:

[0072] S11. According to user information management, business matching is performed on customers, and different customers are classified and managed;

[0073] S12. Classify and manage, enter the business processing through the artificial intelligence control center, and match the corresponding business processing channel;

[0074] S13. The user chooses to handle the business, and the operating platform and information are monitored for green security while handling the business;

[0075] S14. Users handle one or more businesses such as loans, deposits, fund settlement, credit cards, etc. based on artificial intelligence.

[0076] Preferably, the risk management module includes detection, monitoring and processing in the following ways:

[0077] S21. Financial services investment testing, which is carried out based on the AI ​​big data and all the contents in the information database;

[0078] S22. Setting a monitoring method to monitor the operation information, operation steps and saved content of the green financial service management user in real time;

[0079] S23, artificial intelligence screening, through the intelligent control center and safety equipment to screen the operation and storage information, predict and prevent potential risks;

[0080] S24: Automated processing, using artificial intelligence to delete errors and security risks.

[0081] Optimized customer ESG evaluation formula:

[0082]

[0083] In the above formula, each symbol represents the following meaning:

[0084] i=1,2,…,; represents the companies in the anchor range;

[0085] t=1,2,…,:indicates the assessment year;

[0086] j=1,2,…,:represents the problem level indicator;

[0087] Cijt = indicator j of company i at issue level, i.e., S&P Global ESG score from CSA;

[0088] The formula for calculating environmental data is: Y=C+V+E, where Y is the total cost of the product, C is the material cost, V is the labor cost, and E is the environmental cost. Material cost refers to the monetary expression of the materialized labor consumed in the production process of the product; labor cost refers to the monetary expression of the living labor consumed in the production process; environmental cost refers to the monetary expression of the value of natural resources consumed in the production process of the product and the reduction in the value of related ecological resources.

[0089] Customer information management module: customer number, customer name, ID type, ID number, contact number, contact address, credit rating, customer type, affiliated branch, account manager, remarks, etc.; loan management: loan number, borrower name, loan type, loan amount, loan term, loan interest rate, loan status, repayment method, repayment account, acceptance date, reviewer, remarks, etc.; deposit management: deposit account number, account type, account balance, account opening date, account status, account interest rate, deposit term, withdrawal method, withdrawal account, account opening bank, remarks, etc.; funds settlement Management: settlement account, account type, account balance, account opening date, account status, settlement method, settlement date, settlement amount, settlement party, remarks, etc.; online banking business management: account name, account number, account balance, account status, account type, login time, account opening date, transaction records, transaction details, remarks, etc.; financial product management: product number, product name, product type, product issuing institution, initial purchase amount, term, rate of return, risk rating, number of purchasers, issuance date, remarks, etc.; account management: account number, account name, account balance, account status, account type, account opening date, affiliated branch, operator, remarks, etc.; organization management: organization number, organization name, affiliated superior organization, organization address, contact number, person in charge, remarks, etc.; personnel management: personnel number, personnel name, affiliated organization, contact number, position, date of employment, date of resignation, remarks, etc.; report management: report name, statistical time, generation method, report type, report content, export format, print settings, remarks, etc.; credit card management: credit card number, cardholder name, credit limit, billing date, repayment date, overdraft balance, credit card status, card application Date, installment payment information, notes, etc.; Cash management: cash balance, entry date, entry amount, withdrawal date, withdrawal amount, purpose, handler, reviewer, notes, etc.; Risk management: risk type, risk level, risk assessor, assessment time, processor, processing method, processing time, notes, etc.; Voucher management: voucher number, summary, debit amount, credit amount, operator, reviewer, date, notes, etc.; System management: user name, user type, login password, permission settings, system settings, data backup, data restoration, operation log, notes, etc.

[0090] Preferably, the financial services management system is promoted to a green and safe financial services management system through the green finance management system, artificial intelligence green finance supervision and green finance policy. The green and safe financial services management system ensures the security of the bank and client sides. The green finance management system is conducive to guiding financial institutions to increase investment in renewable energy, clean production and environmentally friendly projects. At the same time, the establishment of a green finance management system can effectively strengthen the social responsibility awareness of financial institutions and improve the social image and credibility of financial institutions.

[0091] The artificial intelligence-based transformation proposed in the present invention enables financial service management to have a more accurate insight into market demand. The introduction of artificial intelligence can help customers grasp market trends in a shorter time and make more accurate decisions through comprehensive analysis of big data. At the same time, green financial service management prompts financial institutions to optimize business processes and improve work efficiency. Through the application of intelligent technology, financial institutions can automate processes, reduce manual intervention, enhance investors' understanding of the transparency and sustainability of green projects, reduce the cost and risk of green financial transactions, provide users with end-to-end solutions, help financial institutions and enterprises better finance and invest in green projects, and enhance investors' understanding of and trust in green finance.

[0092] It is to be understood that the present invention is described by some embodiments, and it is known to those skilled in the art that various changes or equivalent substitutions may be made to these features and embodiments without departing from the spirit and scope of the present invention. In addition, under the teachings of the present invention, these features and embodiments may be modified to adapt to specific circumstances and materials without departing from the spirit and scope of the present invention. Therefore, the present invention is not limited by the specific embodiments disclosed herein, and all embodiments falling within the scope of the claims of this application are within the scope of protection of the present invention.

Claims

1. A green financial service management method based on artificial intelligence, characterized in that: include: Build a green financial service management system based on artificial intelligence technology and use big data to accurately calculate project benefits to meet regulatory requirements; Connect with the bank's internal data warehouse system and integrate the data sources of various loan products to achieve intensive data processing and environmental risk management; Establish green finance business management processes and build a comprehensive green finance framework system; The green finance framework system includes: The user layer is sorted according to whether the user has registered an account. Unregistered accounts must first apply for a green application. The green application ensures basic user information and protects the security of users and the financial service management system. The review layer directly conducts AI review on registered users to check whether the user’s login platform and system are safe. AI review can quickly and efficiently screen and confirm the identity of users; The business application layer allows users to enter the financial service management system, where they can perform basic operations and select items for business processing; The intelligent recommendation layer uses artificial intelligence to identify whether the business is green financial service content, budgets environmental benefits, and warns of environmental and social risks. Artificial intelligence will make intelligent recommendations based on service content. Users can directly manage financial services based on artificial intelligence recommendations, or independently select service recipients; The user enters the service business according to the selected business and completes it. The data layer backs up and stores the content of the service business for later reference.

2. The green financial service management method based on artificial intelligence according to claim 1 is characterized in that: The users include corporate companies, government users, public welfare users, private users and other users.

3. The green financial service management method based on artificial intelligence according to claim 1 is characterized in that: The system provides environmental monitoring and early warning reminders, as well as early warning disposal process functions, to support banks in formulating and implementing targeted post-loan management measures for clients with potential major environmental risks.

4. The green financial service management method based on artificial intelligence according to claim 1 is characterized in that: The business application layer includes multiple units, and the multiple unit modules meet the needs of users for different business handling. The account management unit manages the basic information of the user, and the certificate management unit meets the user's certificate printing needs.

5. A green financial service management system based on artificial intelligence according to any one of claims 1 to 4, characterized in that: include: Customer information management module, loan management module, deposit management module, fund settlement management module, financial product management module, online banking business management module, credit card management module, cash management module, account management module, institution management module, personnel management module, report management module, risk management module, voucher management module, system management module, green credit certification module, customer ESG assessment module, data statistical analysis module, green investment assessment module, environmental data accounting module, ESG template configuration module and emission accounting configuration module, Green Credit Recognition Module: used to identify and review loan projects that meet green finance standards, including application, approval, loan disbursement and repayment management processes; Green investment assessment module: used to assess and screen investment projects that meet green standards, including investment, monitoring and assessment links; Client ESG Assessment Module: used to assess clients’ environmental, social and governance factors, helping financial institutions determine clients’ sustainability and risks; Environmental data accounting module: used to collect, calculate and manage environmental data, including information on green energy, emission reduction projects, etc.

6. The green financial service management system based on artificial intelligence according to claim 5 is characterized in that: The data statistical analysis module is used to count and analyze environmental data and ESG assessment results to provide support for risk management and decision-making; the ESG template configuration module is used to configure and manage ESG assessment templates and customize assessment indicators based on industry, region and other characteristics; the emission accounting configuration module is used to configure and manage emission accounting processes to help organizations accurately calculate and monitor carbon emissions.

7. The green financial service management system based on artificial intelligence according to claim 5 is characterized in that: The business application layer management system includes matching and business handling, and its contents are as follows: S11. According to user information management, business matching is performed on customers, and different customers are classified and managed; S12. Classify and manage, enter the business processing through the artificial intelligence control center, and match the corresponding business processing channel; S13. The user chooses to handle the business, and the operating platform and information are monitored for green security while handling the business; S14. Users handle one or more businesses such as loans, deposits, fund settlement, credit cards, etc. based on artificial intelligence.

8. The green financial service management system based on artificial intelligence according to claim 5 is characterized in that: The risk management module includes detection, monitoring and processing in the following ways: S21. Financial services investment testing, which is carried out based on the AI ​​big data and all the contents in the information database; S22. Setting a monitoring method to monitor the operation information, operation steps and saved content of the green financial service management user in real time; S23, artificial intelligence screening, through the intelligent control center and safety equipment to screen the operation and storage information, predict and prevent potential risks; S24: Automated processing, using artificial intelligence to delete errors and security risks.

9. The green financial service management system based on artificial intelligence according to claim 5 is characterized in that: The customer ESG evaluation formula: In the above formula, each symbol represents the following meaning: i=1,2,…,; represents the companies in the anchor range; t=1,2,…,:indicates the assessment year; j=1,2,…,:represents the problem level indicator; Cijt = indicator j of company i at issue level, i.e., S&P Global ESG score from CSA; The formula for calculating environmental data is: Y=C+V+E, where Y is the total cost of the product, C is the material cost, V is the labor cost, and E is the environmental cost. Material cost refers to the monetary expression of the materialized labor consumed in the production process of the product; labor cost refers to the monetary expression of the living labor consumed in the production process; environmental cost refers to the monetary expression of the value of natural resources consumed in the production process of the product and the reduction in the value of related ecological resources.

10. The green financial service management system based on artificial intelligence according to claim 5 is characterized in that: The financial service management system is promoted to a green and safe financial service management system through green financial management system, artificial intelligence green financial supervision and green financial policy. The green and safe financial service management system ensures the security of the bank and client sides.

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