Bank product matching method and device, medium and equipment

Abstract

The invention provides a bank product matching method and device, a medium and equipment, and the method comprises the steps: determining a plurality of standard indexes which need to be met for purchasing a bank product based on the product characteristics of the bank product; wherein the standard indexes represent conditions required to be met by enterprises purchasing bank products, and each standard index comprises at least one grade; based on the standard indexes, screening target enterprises meeting the standard indexes in the potential enterprises; based on the target enterprise and the standard index, recommending a bank product to the target enterprise; according to the method, the standard indexes required for purchasing the bank products are determined, the target enterprises capable of meeting the standard indexes in the potential enterprises are screened, and the bank products are automatically recommended to the target enterprises, so that automatic matching between the bank products and the enterprises with purchase qualification is realized, the purchase efficiency and the purchase quantity of the bank products are improved, and the purchase efficiency of the bank products is improved. And high-quality bank product support can be provided for enterprises more effectively and conveniently.

Description

Technical Field

[0001] The present application relates to the technical field of bank product recommendation, and in particular to a bank product matching method, device, medium and equipment. Background Art

[0002] Banks are important departments that provide financial support. Many enterprises, especially small and micro enterprises, cannot do without the support of banks, especially at the beginning of their establishment. However, these enterprises usually do not have a dedicated bank docking management department at the beginning of their establishment. They do not know which bank support policies or bank products are compatible with the enterprises, nor do they know how to use some bank products to increase the company's revenue. Therefore, they miss many rare business development opportunities. It is also difficult for banks to collect a variety of information and provide one-to-one comprehensive guidance to enterprises. In order to solve the current dilemma faced by enterprises, a method is needed to match the business conditions of enterprises with bank products. Summary of the invention

[0003] In order to solve the above technical problems, the present application is proposed. The embodiments of the present application provide a bank product matching method, device, medium and equipment.

[0004] According to one aspect of the present application, a bank product matching method is provided, comprising: determining, based on the product characteristics of the bank product, a plurality of standard indicators that need to be met in order to purchase the bank product; wherein the standard indicators represent the conditions that need to be met by an enterprise purchasing the bank product, and each of the standard indicators includes at least one level; based on the standard indicators, screening target enterprises among potential enterprises that meet the standard indicators; and based on the target enterprises and the standard indicators, recommending the bank product to the target enterprises.

[0005] In one embodiment, the recommending of the bank product to the target enterprise based on the target enterprise and the standard indicator includes: comparing the indicator value of the target enterprise and the corresponding level of the standard indicator from low to high; selecting the highest level of the standard indicator corresponding to the indicator value of the target enterprise as the matching level; based on the matching level of the target enterprise, determining the purchase level of the bank product and recommending the bank product of the corresponding purchase level to the target enterprise.

[0006] In one embodiment, the screening of target enterprises that meet the multiple indicators among potential enterprises based on the standard indicators includes: if the potential enterprise has at least one indicator value that cannot meet the corresponding standard indicator, the potential enterprise is scored for qualifications to obtain a qualification score; if the qualification score of the potential enterprise is greater than a preset score threshold, the potential enterprise is determined to be a target enterprise.

[0007] In one embodiment, the qualification scoring of the potential enterprise to obtain the qualification score includes: obtaining associated indicators of the indicator values ​​of the standard indicators that the potential enterprise cannot meet; wherein the associated indicators represent multiple associated indicator values; based on the indicator values ​​of the standard indicators that the potential enterprise cannot meet and the indicator values ​​of the associated indicators, a weighted sum calculation is performed to obtain a comprehensive indicator of the potential enterprise; based on the single indicator of the potential enterprise corresponding to the standard indicator and the comprehensive indicator, the qualification score of the potential enterprise is calculated.

[0008] In one embodiment, the bank product matching method also includes: conducting risk assessment on the target enterprise to obtain a risk index; determining the purchase level of the bank product based on the matching level of the target enterprise and recommending the bank product of the corresponding purchase level to the target enterprise includes: determining the purchase level of the bank product based on the matching level of the target enterprise and the risk index and recommending the bank product of the corresponding purchase level to the target enterprise.

[0009] In one embodiment, the risk assessment of the target enterprise to obtain a risk index includes: assessing the legal person of the target enterprise based on the legal person credit and legal person property trends of the target enterprise to obtain a legal person risk coefficient; assessing the operating status of the target enterprise based on the financial information of the target enterprise to obtain an operating risk coefficient; assessing the development trend of the target enterprise based on the conditions of the upstream and downstream enterprises of the target enterprise to obtain a trend risk coefficient; and comprehensively calculating the risk index of the target enterprise based on the legal person risk coefficient, the operating risk coefficient and the trend risk coefficient.

[0010] In one embodiment, the bank product matching method further includes: regularly obtaining the indicator value of the potential enterprise or the target enterprise corresponding to the standard indicator; if the change amplitude of the indicator value is greater than a preset amplitude threshold, matching the bank product for the enterprise again.

[0011] According to another aspect of the present application, a matching device for bank products is provided, comprising: a purchase index determination module, for determining, based on the product characteristics of the bank product, the standard index that needs to be met in order to purchase the bank product; wherein the standard index represents the conditions that need to be met by an enterprise purchasing the bank product, and each of the standard indexes includes at least one level; a target enterprise screening module, for screening target enterprises that meet the standard indexes among potential enterprises based on the standard indexes; and a bank product recommendation module, for recommending the bank product to the target enterprise based on the target enterprise and the standard indexes.

[0012] According to another aspect of the present application, a computer-readable storage medium is provided, wherein the storage medium stores a computer program, and the computer program is used to execute any of the above methods.

[0013] According to another aspect of the present application, an electronic device is provided, comprising: a processor; a memory for storing instructions executable by the processor; and the processor is used to execute any of the above-described methods.

[0014] The present application provides a bank product matching method, device, medium and equipment, which determine multiple standard indicators that need to be met to purchase bank products based on the product characteristics of the bank products; wherein the standard indicators represent the conditions that need to be met by enterprises purchasing bank products, and each standard indicator includes at least one level; based on the standard indicators, target enterprises that meet the standard indicators are screened among potential enterprises; based on the target enterprises and the standard indicators, bank products are recommended to the target enterprises; that is, by determining the standard indicators required to purchase bank products and screening the target enterprises that can meet the standard indicators among potential enterprises, bank products are automatically recommended to the target enterprises, so as to realize automatic matching between bank products and enterprises that are eligible to purchase, thereby not only improving the purchase efficiency and purchase quantity of bank products, but also more effectively and conveniently helping enterprises to provide high-quality bank product support. BRIEF DESCRIPTION OF THE DRAWINGS

[0015] By describing the embodiments of the present application in more detail in conjunction with the accompanying drawings, the above and other purposes, features and advantages of the present application will become more apparent. The accompanying drawings are used to provide a further understanding of the embodiments of the present application and constitute a part of the specification. Together with the embodiments of the present application, they are used to explain the present application and do not constitute a limitation of the present application. In the accompanying drawings, the same reference numerals generally represent the same components or steps.

[0016] Figure 1 It is a flowchart of a bank product matching method provided by an exemplary embodiment of the present application.

[0017] Figure 2 It is a schematic diagram of the structure of a matching device for a banking product provided by an exemplary embodiment of the present application.

[0018] Figure 3 It is a structural diagram of an electronic device provided by an exemplary embodiment of the present application. DETAILED DESCRIPTION

[0019] Below, the exemplary embodiments according to the present application will be described in detail with reference to the accompanying drawings. Obviously, the described embodiments are only part of the embodiments of the present application, rather than all the embodiments of the present application, and it should be understood that the present application is not limited to the exemplary embodiments described here.

[0020] Figure 1 FIG. 1 is a flow chart of a bank product matching method provided by an exemplary embodiment of the present application. Figure 1 As shown, the matching method of the bank product includes the following steps: Step 110: Based on the product characteristics of the bank product, determine a number of standard indicators that need to be met in purchasing the bank product.

[0021] Among them, the standard indicators represent the conditions that enterprises need to meet to purchase bank products, and each standard indicator includes at least one level. This application determines multiple standard indicators that need to be met to purchase the bank product, such as enterprise scale, operating income in the previous year, operating profit, etc., based on the product characteristics and purchase requirements of the bank product.

[0022] Step 120: Based on the standard indicators, target enterprises that meet the standard indicators are screened among potential enterprises.

[0023] Specifically, this application calculates the actual value of each indicator of the potential enterprise in the measurement rule model according to the enterprise information and business data of the potential enterprise and the calculation method definition of each indicator, and compares the actual value of the indicator with the standard indicator value of the bank product according to the measurement formula to calculate the actual score of each indicator. If the calculated indicator score exceeds the preset indicator score threshold, the final score of the indicator takes the indicator score threshold, and the comprehensive qualification calculation of the potential enterprise is performed according to the logical hierarchy definition of the indicator score and the measurement rule to obtain the comprehensive scores of each layer of the potential enterprise and the final qualification score. If the final qualification score of the potential enterprise is greater than the preset score threshold, and the scores of each indicator meet the screening condition requirements of the bank product measurement rule logic model, the potential enterprise is determined to be a target enterprise. According to the standard indicators of bank products, enterprises that meet the standard indicators among potential enterprises are screened as target enterprises, that is, enterprises that meet the purchase conditions of bank products are selected.

[0024] Step 130: Based on the target enterprise and standard indicators, recommend banking products to the target enterprise.

[0025] After screening out the target enterprises, this application recommends corresponding bank products to the target enterprises based on the standard indicators corresponding to the target enterprises and bank products, so as to achieve accurate recommendations and thus improve the transaction success rate of bank products.

[0026] The present application provides a bank product matching method, which determines a plurality of standard indicators that need to be met to purchase bank products based on the product characteristics of the bank products; wherein the standard indicators represent the conditions that need to be met by an enterprise purchasing the bank products, and each standard indicator includes at least one level; based on the standard indicators, target enterprises that meet the standard indicators are screened among potential enterprises; based on the target enterprises and the standard indicators, bank products are recommended to the target enterprises; that is, by determining the standard indicators required to purchase bank products and screening the target enterprises that can meet the standard indicators among potential enterprises, bank products are automatically recommended to the target enterprises, so as to realize automatic matching between bank products and enterprises that are eligible to purchase, thereby not only improving the purchase efficiency and purchase quantity of bank products, but also more effectively and conveniently helping enterprises to provide high-quality bank product support.

[0027] In one embodiment, the specific implementation method of the above step 130 can be: compare the target enterprise's indicator value and the corresponding level of the standard indicator from low to high step by step; select the highest level of the standard indicator corresponding to the target enterprise's indicator value as the matching level; based on the target enterprise's matching level, determine the purchase level of the bank product and recommend the bank product of the corresponding purchase level to the target enterprise.

[0028] Since the same bank product may include multiple levels, for example, the same bank product may include high-level, medium-level and low-level products, different levels of bank products can be recommended for enterprises of different levels or levels, so as to recommend suitable level products for different enterprises. Specifically, this application compares the index value of the target enterprise with the corresponding level of the standard index, and selects the level that matches the index value of the target enterprise and recommends it to the target enterprise. For example, if the index value of the enterprise meets the requirements of the medium-level bank product but does not meet the requirements of the high-level bank product, the medium-level bank product is recommended to the enterprise.

[0029] In one embodiment, the specific implementation method of the above step 120 can be: if there is at least one indicator value of the potential enterprise that cannot meet the corresponding standard indicator, the potential enterprise is scored for qualifications to obtain a qualification score; if the qualification score of the potential enterprise is greater than a preset score threshold, the potential enterprise is determined to be a target enterprise.

[0030] Since some of the index values ​​of some enterprises do not meet the requirements of the standard indicators, but other index values ​​of the enterprise may meet the requirements of the standard indicators and far exceed the standard indicators, it is difficult to accurately and fairly determine whether the enterprise is suitable for the corresponding bank products if all the index values ​​can meet the corresponding standard indicators. Therefore, when a potential enterprise has an index value that cannot meet the standard indicators, this application further scores the qualifications of the potential enterprise. If the qualification score of the enterprise is greater than the score threshold, it means that the overall qualifications of the enterprise are still good, and the enterprise can be determined as a target enterprise.

[0031] In one embodiment, the specific implementation method of the above step 120 can be: obtaining related indicators of the indicator values ​​of the potential enterprise that cannot meet the standard indicators; wherein the related indicators represent multiple indicator values ​​that are related; based on the indicator values ​​of the potential enterprise that cannot meet the standard indicators and the indicator values ​​of the related indicators, a weighted sum is calculated to obtain a comprehensive indicator of the potential enterprise; based on the single indicators and the comprehensive indicators corresponding to the standard indicators of the potential enterprise, the qualification score of the potential enterprise is calculated.

[0032] Since there may be related indicators in the indicator values ​​of an enterprise, such as operating income and operating profit, the related indicators of the enterprise can be integrated into a comprehensive indicator, such as calculating a comprehensive indicator (such as an operating indicator) by weighted summing of operating income and operating profit, and then calculating the qualification score of the potential enterprise based on the individual indicators and comprehensive indicators of the enterprise. Specifically, for example, a weight can be set for each indicator, and the qualification score of the potential enterprise can be calculated by weighted summing.

[0033] Specifically, the application can use the following formula to calculate the comprehensive index: ; in, is the index value of the comprehensive index, The first correlation indicator i The weight of the indicator, The first correlation indicator i The indicator value of an indicator, The first correlation indicator i The indicator value of the corresponding standard indicator of each indicator, N is the total number of indicators in the associated indicator.

[0034] In one embodiment, the above-mentioned bank product matching method may further include: conducting risk assessment on the target enterprise to obtain a risk index; correspondingly, the specific implementation method of the above-mentioned step 130 may be: based on the matching level and risk index of the target enterprise, determining the purchase level of the bank product and recommending bank products of the corresponding purchase level to the target enterprise.

[0035] The application can also conduct risk assessment on the target enterprise to determine the risk index of the target enterprise, and determine the purchase level of the bank product according to the matching level and risk index of the target enterprise, and recommend the bank product of the corresponding purchase level to the target enterprise. For example, if the risk index of the target enterprise is high, the bank product with a lower matching level is given to the target enterprise or the bank product is not recommended to the target enterprise to avoid the loss of control of the bank product.

[0036] Specifically, this application can use the following formula to calculate the target enterprise's recommendation level index: ; in, It is the recommended level indicator for the target enterprise. is the risk index, , It is the matching grade index of the target enterprise. If the risk index of the target enterprise is higher, the calculated recommendation grade index will be lower, that is, the grade of the bank product recommended to the target enterprise will be lower, or even not recommended.

[0037] In one embodiment, the specific calculation method of the risk index of the above-mentioned target enterprise can be: based on the target enterprise's corporate credit and corporate property trends, the target enterprise's legal person is judged to obtain a legal person risk coefficient; based on the target enterprise's financial information, the target enterprise's operating status is judged to obtain an operating risk coefficient; based on the conditions of the target enterprise's upstream and downstream enterprises, the target enterprise's development trend is judged to obtain a trend risk coefficient; based on the legal person risk coefficient, operating risk coefficient and trend risk coefficient, a comprehensive calculation is performed to obtain the target enterprise's risk index.

[0038] This application can judge the legal person of the target enterprise according to the legal person credit, legal person property trend and other situations of the target enterprise to obtain the legal person risk coefficient, judge the operating status of the target enterprise according to the financial information of the target enterprise to obtain the operating risk coefficient, judge the development trend of the target enterprise according to the conditions of the upstream and downstream enterprises of the target enterprise to obtain the trend risk coefficient, and finally, comprehensively calculate the risk index of the target enterprise according to the legal person risk coefficient, operating risk coefficient and trend risk coefficient. For example, this application can determine the credit information of the legal person according to the relevant information of the legal person of the target enterprise, thereby determining the legal person risk coefficient of the target enterprise, calculate the operating risk coefficient according to the financial information, judge the overall trend of the industry in which the target enterprise is located according to the conditions of the upstream and downstream enterprises of the target enterprise, thereby judging the development trend of the target enterprise, and then calculate the trend risk coefficient, and finally, the risk index of the target enterprise can be calculated by weighted average.

[0039] Specifically, this application can use the following formula to calculate the risk index of the target enterprise: ; in, are the weights of legal person risk coefficient, operating risk coefficient and trend risk coefficient respectively. They are legal person risk coefficient, operating risk coefficient and trend risk coefficient respectively.

[0040] , , ; in, is the corporate credit index, is the property income index of the legal person, is the frequency index of the legal person's property income and expenditure, are the weights of the legal person's credit and the legal person's property trends, is the operating income index, is the operating profit index, is the operating profit growth index, , are the weights of operating income and operating profit, respectively. is the status index of upstream enterprises, is the status index of downstream enterprises, are the weights of upstream and downstream enterprises respectively.

[0041] In one embodiment, the above-mentioned bank product matching method may further include: regularly obtaining the index value of the standard index corresponding to the potential enterprise or the target enterprise; if the change range of the index value is greater than the preset range threshold, matching the bank product for the enterprise again.

[0042] Since the index values ​​of potential enterprises or target enterprises may change after a certain period of time, the present application can also regularly obtain the index values ​​of potential enterprises or target enterprises, and judge the index values ​​of the enterprises. If the index values ​​of the enterprises change greatly (the index value of the potential enterprise increases or the index value of the target enterprise decreases), the bank products of the enterprise will be matched again to correct the matching objects of the bank products at all times.

[0043] Figure 2 Schematic diagram of the structure of a matching device for a banking product provided by an exemplary embodiment of the present application. Figure 2 As shown, the bank product matching device 20 includes: a purchase index determination module 21, which is used to determine the standard indicators that need to be met when purchasing the bank product based on the product characteristics of the bank product; wherein the standard indicators represent the conditions that need to be met by the enterprise purchasing the bank product, and each standard indicator includes at least one level; a target enterprise screening module 22, which is used to screen target enterprises that meet the standard indicators among potential enterprises based on the standard indicators; and a bank product recommendation module 23, which is used to recommend bank products to the target enterprise based on the target enterprise and the standard indicators.

[0044] The present application provides a matching device for bank products, which determines a plurality of standard indicators that need to be met to purchase bank products based on the product characteristics of the bank products through a purchase indicator determination module 21; wherein the standard indicators represent the conditions that need to be met by an enterprise purchasing the bank product, and each standard indicator includes at least one level; the target enterprise screening module 22 screens target enterprises that meet the standard indicators among potential enterprises based on the standard indicators; the bank product recommendation module 23 recommends bank products to the target enterprises based on the target enterprises and the standard indicators; that is, by determining the standard indicators required to purchase bank products and screening the target enterprises that can meet the standard indicators among potential enterprises, the bank products are automatically recommended to the target enterprises, so as to realize the automatic matching between bank products and enterprises that are eligible to purchase, thereby not only improving the purchase efficiency and purchase quantity of bank products, but also more effectively and conveniently helping enterprises to provide high-quality bank product support.

[0045] In one embodiment, the above-mentioned bank product recommendation module 23 can be further configured as: comparing the target enterprise's indicator value and the corresponding level of the standard indicator from low to high step by step; selecting the highest level of the standard indicator corresponding to the target enterprise's indicator value as the matching level; based on the target enterprise's matching level, determining the purchase level of the bank product and recommending the bank product of the corresponding purchase level to the target enterprise.

[0046] In one embodiment, the target enterprise screening module 22 can be further configured as follows: if a potential enterprise has at least one indicator value that cannot meet the corresponding standard indicator, the potential enterprise is scored for qualifications to obtain a qualification score; if the qualification score of the potential enterprise is greater than a preset score threshold, the potential enterprise is determined to be a target enterprise.

[0047] In one embodiment, the above-mentioned target enterprise screening module 22 can be further configured to: obtain related indicators of the indicator values ​​of the potential enterprise that cannot meet the standard indicators; wherein the related indicators represent multiple indicator values ​​that are related; based on the indicator values ​​of the potential enterprise that cannot meet the standard indicators and the indicator values ​​of the related indicators, a weighted sum is calculated to obtain a comprehensive indicator of the potential enterprise; based on the single indicators and comprehensive indicators of the potential enterprise corresponding to the standard indicators, the qualification score of the potential enterprise is calculated.

[0048] In one embodiment, the above-mentioned bank product matching device 20 can be further configured to: perform risk assessment on the target enterprise to obtain a risk index; correspondingly, the above-mentioned bank product recommendation module 23 can be further configured to: determine the purchase level of the bank product based on the matching level and risk index of the target enterprise and recommend bank products of the corresponding purchase level to the target enterprise.

[0049] In one embodiment, the matching device 20 of the above-mentioned bank products can be further configured as follows: based on the corporate credit and corporate property trends of the target enterprise, the legal person of the target enterprise is judged to obtain a legal person risk coefficient; based on the financial information of the target enterprise, the operating status of the target enterprise is judged to obtain an operating risk coefficient; based on the conditions of the upstream and downstream enterprises of the target enterprise, the development trend of the target enterprise is judged to obtain a trend risk coefficient; based on the legal person risk coefficient, the operating risk coefficient and the trend risk coefficient, a comprehensive calculation is performed to obtain the risk index of the target enterprise.

[0050] In one embodiment, the bank product matching device 20 can be further configured to: regularly obtain the index value of the standard index corresponding to the potential enterprise or the target enterprise; if the change range of the index value is greater than the preset range threshold, match the bank product for the enterprise again.

[0051] Below, reference Figure 3 The electronic device according to the embodiment of the present application is described. The electronic device may be any one or both of the first device and the second device, or a stand-alone device independent of them, and the stand-alone device may communicate with the first device and the second device to receive the collected input signal from them.

[0052] Figure 3 A block diagram of an electronic device according to an embodiment of the present application is illustrated.

[0053] like Figure 3 As shown, the electronic device 10 includes one or more processors 11 and a memory 12 .

[0054] The processor 11 may be a central processing unit (CPU) or other forms of processing units having data processing capabilities and / or instruction execution capabilities, and may control other components in the electronic device 10 to perform desired functions.

[0055] The memory 12 may include one or more computer program products, which may include various forms of computer-readable storage media, such as volatile memory and / or non-volatile memory. The volatile memory may include, for example, a random access memory (RAM) and / or a cache memory (cache), etc. The non-volatile memory may include, for example, a read-only memory (ROM), a hard disk, a flash memory, etc. One or more computer program instructions may be stored on the computer-readable storage medium, and the processor 11 may run the program instructions to implement the methods of the various embodiments of the present application described above and / or other desired functions. Various contents such as input signals, signal components, noise components, etc. may also be stored in the computer-readable storage medium.

[0056] In one example, the electronic device 10 may further include: an input device 13 and an output device 14 , and these components are interconnected via a bus system and / or other forms of connection mechanisms (not shown).

[0057] When the electronic device is a stand-alone device, the input device 13 may be a communication network connector, which is used to receive the collected input signals from the first device and the second device.

[0058] In addition, the input device 13 may also include, for example, a keyboard, a mouse, and the like.

[0059] The output device 14 can output various information to the outside, including the determined distance information, direction information, etc. The output device 14 can include, for example, a display, a speaker, a printer, a communication network and a remote output device connected thereto, and the like.

[0060] Of course, to simplify, Figure 3 Only some of the components related to the present application in the electronic device 10 are shown, and components such as a bus, an input / output interface, etc. are omitted. In addition, according to specific application situations, the electronic device 10 may also include any other appropriate components.

[0061] In addition to the above-mentioned methods and devices, an embodiment of the present application may also be a computer program product, which includes computer program instructions, which, when executed by a processor, enable the processor to execute the steps of the method according to various embodiments of the present application described in the above-mentioned "Exemplary Method" section of this specification.

[0062] The computer program product may be written in any combination of one or more programming languages ​​to write program codes for performing the operations of the embodiments of the present application, including object-oriented programming languages, such as Java, C++, etc., and conventional procedural programming languages, such as "C" language or similar programming languages. The program code may be executed entirely on the user computing device, partially on the user device, as an independent software package, partially on the user computing device and partially on a remote computing device, or entirely on a remote computing device or server.

[0063] In addition, an embodiment of the present application may also be a computer-readable storage medium on which computer program instructions are stored. When the computer program instructions are executed by a processor, the processor executes the steps of the method according to various embodiments of the present application described in the above "Exemplary Method" section of this specification.

[0064] The computer readable storage medium can adopt any combination of one or more readable media. The readable medium can be a readable signal medium or a readable storage medium. The readable storage medium can include, for example, but is not limited to, a system, device or device of electricity, magnetism, light, electromagnetic, infrared, or semiconductor, or any combination of the above. More specific examples (non-exhaustive list) of readable storage media include: an electrical connection with one or more wires, a portable disk, a hard disk, a random access memory (RAM), a read-only memory (ROM), an erasable programmable read-only memory (EPROM or flash memory), an optical fiber, a portable compact disk read-only memory (CD-ROM), an optical storage device, a magnetic storage device, or any suitable combination of the above.

[0065] The basic principles of the present application are described above in conjunction with specific embodiments. However, it should be noted that the advantages, strengths, effects, etc. mentioned in the present application are only examples and not limitations, and it cannot be considered that these advantages, strengths, effects, etc. are required by each embodiment of the present application. In addition, the specific details disclosed above are only for the purpose of illustration and ease of understanding, not for limitation, and the above details do not limit the present application to being implemented by adopting the above specific details.

[0066] The block diagrams of the devices, apparatuses, equipment, and systems involved in this application are only illustrative examples and are not intended to require or imply that they must be connected, arranged, and configured in the manner shown in the block diagram. As will be appreciated by those skilled in the art, these devices, apparatuses, equipment, and systems can be connected, arranged, and configured in any manner. Words such as "including", "comprising", "having", etc. are open words, referring to "including but not limited to", and can be used interchangeably with them. The words "or" and "and" used here refer to the words "and / or" and can be used interchangeably with them, unless the context clearly indicates otherwise. The words "such as" used here refer to the phrase "such as but not limited to", and can be used interchangeably with them.

[0067] It should also be noted that in the apparatus, device and method of the present application, each component or each step can be decomposed and / or recombined. Such decomposition and / or recombination should be regarded as equivalent solutions of the present application.

[0068] The above description of the disclosed aspects is provided to enable any person skilled in the art to make or use the present application. Various modifications to these aspects will be readily apparent to those skilled in the art, and the general principles defined herein may be applied to other aspects without departing from the scope of the present application. Therefore, the present application is not intended to be limited to the aspects shown herein, but rather to the widest scope consistent with the principles and novel features disclosed herein.

[0069] The above description has been given for the purpose of illustration and description. In addition, this description is not intended to limit the embodiments of the present application to the forms disclosed herein. Although multiple example aspects and embodiments have been discussed above, those skilled in the art will recognize certain variations, modifications, changes, additions and sub-combinations thereof.

Claims

1. A bank product matching method, characterized in that: include: Based on the product characteristics of the bank product, determine a plurality of standard indicators that need to be met in order to purchase the bank product; wherein the standard indicators represent the conditions that need to be met by the enterprise purchasing the bank product, and each of the standard indicators includes at least one level; Based on the standard indicators, screening target enterprises among potential enterprises that meet the standard indicators; Based on the target enterprise and the standard indicators, the banking product is recommended to the target enterprise.

2. The bank product matching method according to claim 1, characterized in that: The recommending the bank product to the target enterprise based on the target enterprise and the standard indicator comprises: Compare the indicator values ​​of the target enterprise and the corresponding levels of the standard indicators step by step from low to high; Select the highest level of the standard indicator corresponding to the indicator value of the target enterprise as the matching level; Based on the matching level of the target enterprise, the purchase level of the bank product is determined and the bank product of the corresponding purchase level is recommended to the target enterprise.

3. The bank product matching method according to claim 1, characterized in that: The screening of target enterprises that meet the multiple indicators among potential enterprises based on the standard indicators includes: If at least one indicator value of the potential enterprise fails to meet the corresponding standard indicator, the potential enterprise is scored for qualifications to obtain a qualification score; If the qualification score of the potential enterprise is greater than a preset score threshold, the potential enterprise is determined to be a target enterprise.

4. The bank product matching method according to claim 3, characterized in that: The qualification scores of the potential enterprises are scored to obtain the qualification scores including: Obtaining the associated index of the index value of the potential enterprise that cannot meet the standard index; wherein the associated index represents a plurality of associated index values; Based on the index value of the standard index that the potential enterprise cannot meet and the index value of the associated index, a comprehensive index of the potential enterprise is calculated by weighted summation; Based on the single indicator of the potential enterprise corresponding to the standard indicator and the comprehensive indicator, the qualification score of the potential enterprise is calculated.

5. The bank product matching method according to claim 1, characterized in that: The bank product matching method further includes: Conduct risk assessment on the target enterprise to obtain a risk index; The determining of the purchase level of the bank product based on the matching level of the target enterprise and recommending the bank product of the corresponding purchase level to the target enterprise comprises: Based on the matching level of the target enterprise and the risk index, the purchase level of the bank product is determined and the bank product of the corresponding purchase level is recommended to the target enterprise.

6. The bank product matching method according to claim 5, characterized in that: The risk assessment of the target enterprise to obtain the risk index includes: Based on the legal person credit and legal person property trend of the target enterprise, the legal person of the target enterprise is evaluated to obtain the legal person risk coefficient; Based on the financial information of the target enterprise, the operating status of the target enterprise is evaluated to obtain an operating risk coefficient; Based on the conditions of the upstream and downstream enterprises of the target enterprise, the development trend of the target enterprise is judged to obtain a trend risk coefficient; Based on the legal person risk coefficient, the operating risk coefficient and the trend risk coefficient, the risk index of the target enterprise is obtained by comprehensive calculation.

7. The bank product matching method according to claim 1, characterized in that: The bank product matching method further includes: Regularly obtaining the indicator value of the potential enterprise or the target enterprise corresponding to the standard indicator; If the change range of the indicator value is greater than the preset range threshold, the bank product is matched to the enterprise again.

8. A matching device for bank products, characterized in that: include: A purchase index determination module, used to determine the standard indexes that need to be met to purchase the bank product based on the product characteristics of the bank product; wherein the standard index represents the conditions that need to be met by the enterprise purchasing the bank product, and each of the standard indexes includes at least one level; A target enterprise screening module, used to screen target enterprises that meet the standard indicators among potential enterprises based on the standard indicators; The bank product recommendation module is used to recommend the bank product to the target enterprise based on the target enterprise and the standard indicator.

9. A computer-readable storage medium, characterized in that: The storage medium stores a computer program, and the computer program is used to execute the method according to any one of claims 1 to 7.

10. An electronic device, characterized in that: include: processor; a memory for storing instructions executable by the processor; The processor is used to execute the method described in any one of claims 1 to 7.

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