A bank product matching method, device, medium and equipment

Abstract

The application provides a bank product matching method, device, medium and equipment, based on the product characteristics of the bank product, a plurality of standard indexes that need to be met by purchasing the bank product are determined; wherein the standard index represents the condition that needs to be met by the enterprise purchasing the bank product, and each standard index includes at least one level; based on the standard index, the target enterprise meeting the standard index in the potential enterprise is screened; based on the target enterprise and the standard index, the bank product is recommended to the target enterprise; that is, by determining the standard index required for purchasing the bank product, and screening the target enterprise capable of meeting the standard index in the potential enterprise, the bank product is automatically recommended to the target enterprise, so as to realize the automatic matching between the bank product and the enterprise with the purchase qualification, thereby not only improving the purchase efficiency and the purchase quantity of the bank product, but also more effectively and conveniently helping the enterprise to provide high-quality bank product support.

Description

Technical Field

[0001] This application relates to the field of bank product recommendation technology, specifically to a method, apparatus, medium, and equipment for matching bank products. Background Technology

[0002] As a crucial provider of financial support, banks are indispensable to many businesses, especially small and micro-sized enterprises (SMEs), particularly in their early stages. However, these companies often lack dedicated bank liaison departments at the outset. They are unaware of which bank support policies or products are compatible with their business, or how to leverage bank products to increase revenue, thus missing out on valuable development opportunities. Banks, in turn, often struggle to gather comprehensive, one-on-one guidance from various sources. To address this predicament, a method is needed that matches a business's specific circumstances with appropriate bank products. Summary of the Invention

[0003] To address the aforementioned technical problems, this application is proposed. Embodiments of this application provide a method, apparatus, medium, and device for matching banking products.

[0004] According to one aspect of this application, a matching method for bank products is provided, comprising: determining multiple standard indicators that need to be met to purchase the bank products based on the product characteristics of the bank products; wherein the standard indicators represent conditions that enterprises need to meet to purchase the bank products, and each standard indicator includes at least one level; screening potential enterprises that meet the standard indicators based on the standard indicators; and recommending the bank products to the target enterprises based on the target enterprises and the standard indicators.

[0005] In one embodiment, recommending 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 with the corresponding level of the standard indicator in ascending order of low to high; selecting the highest level of the standard indicator corresponding to the indicator value of the target enterprise as the matching level; 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.

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

[0007] In one embodiment, the step of scoring the potential enterprise to obtain a qualification score includes: obtaining related indicators for the potential enterprise's failure to meet the standard indicators; wherein the related indicators represent multiple related indicator values; calculating a comprehensive indicator for the potential enterprise by weighted summation based on the indicator values ​​of the potential enterprise's failure to meet the standard indicators and the indicator values ​​of the related indicators; and calculating the qualification score for the potential enterprise based on the individual indicator corresponding to the standard indicators and the comprehensive indicator.

[0008] In one embodiment, the matching method for bank products further includes: assessing the risk of 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 entity of the target enterprise based on its credit history and asset trends to obtain a legal entity risk coefficient; assessing the operating status of the target enterprise based on its financial information to obtain an operating risk coefficient; assessing the development trend of the target enterprise based on the conditions of its upstream and downstream enterprises to obtain a trend risk coefficient; and comprehensively calculating the risk index of the target enterprise based on the legal entity risk coefficient, the operating risk coefficient, and the trend risk coefficient.

[0010] In one embodiment, the matching method for bank products further includes: periodically obtaining the indicator values ​​of the standard indicators corresponding to the potential enterprise or the target enterprise; if the change range of the indicator value is greater than a preset range threshold, then matching the enterprise with the bank products again.

[0011] According to another aspect of this application, a matching device for bank products is provided, comprising: a purchase index determination module, configured to determine standard indicators that need to be met to purchase the bank product based on the product characteristics of the bank product; wherein the standard indicators represent conditions that enterprises need to meet to purchase the bank product, and each standard indicator includes at least one level; a target enterprise screening module, configured to screen potential enterprises that meet the standard indicators based on the standard indicators; and a bank product recommendation module, configured to recommend the bank product to the target enterprises based on the target enterprises and the standard indicators.

[0012] According to another aspect of this application, a computer-readable storage medium is provided, the storage medium storing a computer program for performing any of the methods described above.

[0013] According to another aspect of this application, an electronic device is provided, comprising: a processor; a memory for storing processor-executable instructions; the processor being configured to perform any of the methods described above.

[0014] This application provides a method, apparatus, medium, and equipment for matching bank products. Based on the characteristics of bank products, it determines multiple standard indicators that must be met to purchase them. These standard indicators represent conditions that enterprises must meet to purchase bank products, and each standard indicator includes at least one level. Based on these standard indicators, it filters potential enterprises that meet the standard indicators. Based on the target enterprises and the standard indicators, it recommends bank products to the target enterprises. In other words, by determining the standard indicators required to purchase bank products and filtering potential enterprises that meet these indicators, it automatically recommends bank products to the target enterprises, thereby achieving automatic matching between bank products and qualified enterprises. This not only improves the efficiency and quantity of bank product purchases but also provides more effective and convenient support to enterprises by offering high-quality bank products. Attached Figure Description

[0015] The above and other objects, features, and advantages of this application will become more apparent from the more detailed description of the embodiments of this application in conjunction with the accompanying drawings. The drawings are provided to further illustrate the embodiments of this application and form part of the specification. They are used together with the embodiments of this application to explain this application and do not constitute a limitation thereof. In the drawings, the same reference numerals generally represent the same components or steps.

[0016] Figure 1 This is a flowchart illustrating a matching method for bank products provided in an exemplary embodiment of this application.

[0017] Figure 2 This is a schematic diagram of the structure of a matching device for a banking product provided in an exemplary embodiment of this application.

[0018] Figure 3 This is a structural diagram of an electronic device provided in an exemplary embodiment of this application. Detailed Implementation

[0019] Hereinafter, exemplary embodiments according to this application will be described in detail with reference to the accompanying drawings. Obviously, the described embodiments are merely some embodiments of this application, and not all embodiments of this application. It should be understood that this application is not limited to the exemplary embodiments described herein.

[0020] Figure 1 This is a flowchart illustrating a matching method for bank products provided in an exemplary embodiment of this application. Figure 1 As shown, the matching method for this bank's products includes the following steps: Step 110: Based on the characteristics of bank products, determine the multiple standard indicators that need to be met to purchase bank products.

[0021] The standard indicators represent the conditions that enterprises need to meet to purchase bank products, and each standard indicator includes at least one level. Based on the characteristics of the bank products and the purchase requirements, this application determines several standard indicators that need to be met to purchase the bank products, such as enterprise size, previous year's operating revenue, and operating profit.

[0022] Step 120: Based on the standard indicators, screen potential companies that meet the standard indicators.

[0023] Specifically, this application calculates the actual value of each indicator in the calculation rule model for potential enterprises based on their enterprise information and business data, according to the defined calculation methods for each indicator. The actual values ​​of the indicators are then compared with the standard indicator values ​​of the bank products using the calculation formula to calculate the actual score for each indicator. If the calculated indicator score exceeds a preset indicator score threshold, the final score for that indicator is taken as the threshold. Based on the indicator scores and the logical hierarchy of the calculation rules, a comprehensive qualification calculation is performed on the potential enterprises to obtain their comprehensive scores at each level and their 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 conditions of the bank product calculation rule logical model, then the potential enterprise is determined as a target enterprise. Based on the standard indicators of the bank products, enterprises that meet the standard indicators are selected as target enterprises, i.e., enterprises that meet the purchase conditions of the bank products.

[0024] Step 130: Recommend bank products to the target company based on the target company and standard indicators.

[0025] After identifying target companies, this application recommends corresponding bank products to the target companies based on standard indicators that match the target companies and bank products, thereby achieving accurate recommendations and improving the transaction success rate of bank products.

[0026] This application provides a method for matching bank products. Based on the characteristics of bank products, it determines multiple standard indicators that must be met to purchase them. These standard indicators represent the conditions that enterprises must meet to purchase bank products, and each standard indicator includes at least one level. Based on these standard indicators, it filters potential enterprises that meet the standard indicators. Based on the target enterprises and the standard indicators, it recommends bank products to the target enterprises. In other words, by determining the standard indicators required to purchase bank products and filtering potential enterprises that meet these indicators, it automatically recommends bank products to the target enterprises, thereby achieving automatic matching between bank products and qualified enterprises. This not only improves the efficiency and quantity of bank product purchases but also provides more effective and convenient support to enterprises by offering high-quality bank products.

[0027] In one embodiment, step 130 can be implemented as follows: comparing the target company's indicator value with the corresponding level of the standard indicator from low to high; selecting the highest level of the standard indicator corresponding to the target company's indicator value as the matching level; and determining the purchase level of the bank product based on the target company's matching level and recommending the corresponding purchase level of the bank product to the target company.

[0028] Since a single banking product may encompass multiple levels—for example, a high-level, mid-level, and low-level product—different levels of banking products can be recommended to enterprises of different levels or skill levels, thus providing suitable products for different enterprises. Specifically, this application compares the target enterprise's indicator values ​​with the corresponding levels of standard indicators, selects the level that matches the target enterprise's indicator values, and recommends it to the target enterprise. For instance, if an enterprise's indicator values ​​meet the requirements for a mid-level banking product but not the requirements for a high-level banking product, then a mid-level banking product is recommended to that enterprise.

[0029] In one embodiment, the specific implementation of step 120 above may be as follows: if a potential enterprise has at least one indicator value that does not meet the corresponding standard indicator, then the potential enterprise is scored to obtain a qualification score; if the qualification score of the potential enterprise is greater than a preset score threshold, then the potential enterprise is determined to be the target enterprise.

[0030] Because some companies may not meet all the standard indicators, while others may meet or even exceed them, it's difficult to accurately and fairly determine a company's suitability for a particular bank product if only all indicators meet the standard. Therefore, this application further scores the qualifications of potential companies when some of their indicators fail to meet the standard. If the company's score exceeds a threshold, it indicates that its overall qualifications are good, and in this case, the company can be identified as a target company.

[0031] In one embodiment, the specific implementation of step 120 above may be as follows: obtain the related indicators of the indicator values ​​that the potential enterprise cannot meet the standard indicators; wherein, the related indicators represent multiple related indicator values; calculate a comprehensive indicator of the potential enterprise by weighted summation based on the indicator values ​​of the potential enterprise that cannot meet the standard indicators and the indicator values ​​of the related indicators; calculate the qualification score of the potential enterprise based on the individual indicators and the comprehensive indicator of the corresponding standard indicators of the potential enterprise.

[0032] Since a company's performance indicators may contain related ones, such as operating revenue and operating profit, these related indicators can be integrated into a comprehensive indicator. For example, operating revenue and operating profit can be weighted and summed to obtain a comprehensive indicator (e.g., an operating indicator). Then, based on the company's individual indicators and the comprehensive indicator, the potential company's qualification score can be calculated. Specifically, for example, each indicator can be assigned a weight, and the potential company's qualification score can be calculated by weighted summation.

[0033] Specifically, the comprehensive index can be calculated using the following formula: ; in, The index value of the comprehensive index. The first of the related indicators i The weight of each indicator, The first of the related indicators i The value of each indicator, The first of the related indicators i The corresponding standard indicator value for each indicator. N This represents the total number of indicators in the related indicators.

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

[0035] This application can also conduct risk assessments of target companies to determine their risk index, and based on the target company's matching level and risk index, determine the purchase level of bank products and recommend bank products of the corresponding purchase level to the target company. For example, if the target company's risk index is high, bank products with a lower matching level may be offered to the target company or no bank products may be recommended to the target company, in order to avoid loss of control over bank products.

[0036] Specifically, this application may use the following formula to calculate the recommendation rating index for the target company: ; in, Recommendation rating indicators for target companies As a risk index, , This is a matching rating indicator for the target company. The higher the risk index of the target company, the lower the calculated recommendation rating, meaning a lower rating for the bank products recommended to the target company, or even no recommendation at all.

[0037] In one embodiment, the specific calculation method for the risk index of the target enterprise may be as follows: based on the target enterprise's credit information and asset flow, the legal entity of the target enterprise is evaluated to obtain a legal entity risk coefficient; based on the target enterprise's financial information, the operating status of the target enterprise is evaluated to obtain an operating risk coefficient; based on the status of the target enterprise's upstream and downstream enterprises, the development trend of the target enterprise is evaluated to obtain a trend risk coefficient; and based on the legal entity risk coefficient, operating risk coefficient, and trend risk coefficient, the risk index of the target enterprise is calculated comprehensively.

[0038] This application can assess the legal entity of a target company based on its credit history and asset flow, obtaining a legal entity risk coefficient. Based on the target company's financial information, it can assess its operational status, obtaining an operational risk coefficient. Based on the conditions of its upstream and downstream companies, it can assess the target company's development trend, obtaining a trend risk coefficient. Finally, based on the legal entity risk coefficient, operational risk coefficient, and trend risk coefficient, a comprehensive risk index for the target company is calculated. For example, this application can determine the credit information of the target company's legal entity based on relevant information, thereby determining the legal entity risk coefficient. It can calculate the operational risk coefficient based on financial information, judge the overall trend of the target company's industry based on the conditions of its upstream and downstream companies, thereby judging the target company's development trend and calculating the trend risk coefficient. Finally, a weighted average can be used to calculate the target company's risk index.

[0039] Specifically, this application may use the following formula to calculate the risk index of the target company: ; in, These are the weights of the corporate risk coefficient, operational risk coefficient, and trend risk coefficient, respectively. These are the corporate risk coefficient, operational risk coefficient, and trend risk coefficient, respectively.

[0040] , , ; in, For corporate credit index, This refers to the property income index of legal entities. It is the frequency index of a legal person's property income and expenditure. The weights for corporate credit and corporate asset allocation are respectively. The operating revenue index The operating profit index The operating profit growth index , The weights for operating revenue and operating profit are respectively. This is an index of the condition of upstream enterprises. This is a condition index for downstream enterprises. The weights are for upstream and downstream enterprises, respectively.

[0041] In one embodiment, the above-mentioned matching method for bank products may further include: periodically obtaining the indicator values ​​of standard indicators corresponding to potential enterprises or target enterprises; if the change range of the indicator value is greater than a preset range threshold, then matching the enterprise with bank products again.

[0042] Since the indicator values ​​of potential or target companies may change over a certain period of time, this application can also periodically obtain the indicator values ​​of potential or target companies and judge the indicator values ​​of the companies. If the change in the indicator values ​​of the companies is large (the indicator values ​​of potential companies increase or the indicator values ​​of target companies decrease), then the companies will be matched with bank products again in order to constantly adjust the matching targets of bank products.

[0043] Figure 2 This is a schematic diagram of the structure of a matching device for a banking product provided in an exemplary embodiment of this application. For example... Figure 2 As shown, the matching device 20 for the bank product includes: a purchase index determination module 21, 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 indexes represent the conditions that enterprises need to meet to purchase the bank product, and each standard index includes at least one level; a target enterprise screening module 22, used to screen potential enterprises that meet the standard indexes based on the standard indexes; and a bank product recommendation module 23, used to recommend bank products to target enterprises based on the target enterprises and the standard indexes.

[0044] This application provides a bank product matching device. A purchase indicator determination module 21 determines multiple standard indicators that must be met to purchase bank products based on their product characteristics. These standard indicators represent the conditions that enterprises must meet to purchase bank products, and each standard indicator includes at least one level. A target enterprise screening module 22 screens potential enterprises that meet the standard indicators based on these indicators. A bank product recommendation module 23 recommends bank products to the target enterprises based on the target enterprises and the standard indicators. In other words, by determining the standard indicators required to purchase bank products and screening potential enterprises that meet these indicators, the device automatically recommends bank products to the target enterprises, thereby achieving automatic matching between bank products and qualified enterprises. This not only improves the efficiency and quantity of bank product purchases but also provides more effective and convenient support to enterprises by offering high-quality bank products.

[0045] In one embodiment, the bank product recommendation module 23 can be further configured to: compare the target enterprise's indicator value with the corresponding level of the standard indicator in ascending order from low to high; select the highest level of the standard indicator corresponding to the target enterprise's indicator value as the matching level; and determine the purchase level of the bank product based on the target enterprise's matching level and recommend bank products 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 does not meet the corresponding standard indicator, then the potential enterprise is scored to obtain a qualification score; if the qualification score of the potential enterprise is greater than a preset score threshold, then the potential enterprise is determined to be a target enterprise.

[0047] In one embodiment, the target enterprise screening module 22 can be further configured to: obtain related indicators of the indicator values ​​that the potential enterprise cannot meet the standard indicators; wherein, the related indicators represent multiple related indicator values; calculate a comprehensive indicator of the potential enterprise by weighted summation based on the indicator values ​​of the potential enterprise that cannot meet the standard indicators and the indicator values ​​of the related indicators; and calculate the qualification score of the potential enterprise based on the individual indicators and the comprehensive indicator of the standard indicators corresponding to the potential enterprise.

[0048] In one embodiment, the bank product matching device 20 can be further configured to: assess the risk of the target enterprise and obtain a risk index; correspondingly, the 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 for the aforementioned bank products can be further configured to: assess the legal entity of the target enterprise based on its credit history and asset trends to obtain a legal entity risk coefficient; assess the operating status of the target enterprise based on its financial information to obtain an operating risk coefficient; assess the development trend of the target enterprise based on the conditions of its upstream and downstream enterprises to obtain a trend risk coefficient; and comprehensively calculate the risk index of the target enterprise based on the legal entity risk coefficient, operating risk coefficient, and trend risk coefficient.

[0050] In one embodiment, the bank product matching device 20 can be further configured to: periodically obtain the indicator values ​​of the standard indicators corresponding to the potential enterprise or the target enterprise; if the change in the indicator value is greater than a preset range threshold, then match the enterprise with bank products again.

[0051] Below, for reference Figure 3 This application describes an electronic device according to embodiments thereof. The electronic device may be either or both of a first device and a second device, or a standalone device independent of them, which may communicate with the first device and the second device to receive acquired input signals from them.

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

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

[0054] The processor 11 may be a central processing unit (CPU) or other form of processing unit with 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, random access memory (RAM) and / or cache memory. The non-volatile memory may include, for example, read-only memory (ROM), hard disk, flash memory, etc. One or more computer program instructions may be stored on the computer-readable storage medium, and the processor 11 may execute the program instructions to implement the methods of the various embodiments of this application described above and / or other desired functions. Various contents such as input signals, signal components, and noise components may also be stored in the computer-readable storage medium.

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

[0057] When the electronic device is a standalone device, the input device 13 can be a communication network connector for receiving 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, etc.

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

[0060] Of course, for the sake of simplicity, Figure 3 Only some of the components of the electronic device 10 relevant to this application are shown in this illustration; components such as buses, input / output interfaces, etc., are omitted. In addition, the electronic device 10 may include any other suitable components depending on the specific application.

[0061] In addition to the methods and apparatus described above, embodiments of this application may also be computer program products, which include computer program instructions that, when executed by a processor, cause the processor to perform the steps in the methods according to various embodiments of this application described in the "Exemplary Methods" section above.

[0062] The computer program product can be written in any combination of one or more programming languages ​​to perform the operations of the embodiments of this application. The programming languages ​​include object-oriented programming languages ​​such as Java and C++, as well as conventional procedural programming languages ​​such as C or similar languages. The program code can be executed entirely on the user's computing device, partially on the user's computing device, as a standalone software package, partially on the user's computing device and partially on a remote computing device, or entirely on a remote computing device or server.

[0063] Furthermore, embodiments of this application may also be computer-readable storage media storing computer program instructions thereon, which, when executed by a processor, cause the processor to perform the steps in the methods according to various embodiments of this application described in the "Exemplary Methods" section above.

[0064] The computer-readable storage medium may be any combination of one or more readable media. A readable medium may be a readable signal medium or a readable storage medium. A readable storage medium may be, for example, an electrical, magnetic, optical, electromagnetic, infrared, or semiconductor system, apparatus, or device, or any combination thereof. More specific examples of readable storage media (a non-exhaustive list) include: an electrical connection having one or more wires, a portable disk, a hard disk, random access memory (RAM), read-only memory (ROM), erasable programmable read-only memory (EPROM or flash memory), optical fiber, portable compact disk read-only memory (CD-ROM), optical storage device, magnetic storage device, or any suitable combination thereof.

[0065] The basic principles of this application have been described above with reference to specific embodiments. However, it should be noted that the advantages, benefits, and effects mentioned in this application are merely examples and not limitations, and should not be considered as essential features of each embodiment of this application. Furthermore, the specific details disclosed above are for illustrative and facilitative purposes only, and are not limitations. These details do not limit the application to the necessity of employing the aforementioned specific details for implementation.

[0066] The block diagrams of devices, apparatuses, devices, and systems involved in this application are merely illustrative examples and are not intended to require or imply that they must be connected, arranged, or configured in the manner shown in the block diagrams. As those skilled in the art will recognize, these devices, apparatuses, devices, and systems can be connected, arranged, and configured in any manner. Words such as “comprising,” “including,” “having,” etc., are open-ended terms meaning “including but not limited to,” and are used interchangeably with them. The terms “or” and “and” as used herein refer to the terms “and / or,” and are used interchangeably with them unless the context clearly indicates otherwise. The term “such as” as used herein refers to the phrase “such as but not limited to,” and is used interchangeably with it.

[0067] It should also be noted that in the apparatus, equipment, and methods of this application, the components or steps can be disassembled and / or recombined. These disassemblies and / or recombinations should be considered as equivalent solutions of this application.

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

[0069] The above description has been given for purposes of illustration and description. Furthermore, this description is not intended to limit the embodiments of this application to the forms disclosed herein. Although numerous exemplary aspects and embodiments have been discussed above, those skilled in the art will recognize certain variations, modifications, alterations, additions, and sub-combinations thereof.

Claims

1. A method for matching bank products, characterized in that, include: Based on the characteristics of bank products, several standard indicators that need to be met to purchase the bank products are determined; wherein, the standard indicators represent the conditions that enterprises need to meet to purchase the bank products, and each standard indicator includes at least one level; Based on the aforementioned standard indicators, target companies that meet the aforementioned standard indicators are selected from potential companies. Based on the target company and the standard indicators, the bank products are recommended to the target company. The selection of target companies that meet multiple indicators from potential companies based on the aforementioned standard indicators includes: If a potential enterprise fails to meet at least one of the corresponding standard indicators, then the potential enterprise will be scored to obtain a qualification score. If the potential company's qualification score is greater than a preset score threshold, then the potential company is determined to be the target company. The qualification score obtained by scoring the potential enterprises includes: Obtain the related indicators for the potential enterprises that fail to meet the standard indicators; wherein, the related indicators represent multiple related indicator values; Based on the indicator values ​​of the potential enterprise that it fails to meet the standard indicators and the indicator values ​​of the related indicators, a comprehensive indicator for the potential enterprise is calculated by weighted summation; wherein, the calculation formula for the comprehensive indicator is: ； in, The index value of the comprehensive index. The first of the related indicators i The weight of each indicator, The first of the related indicators i The value of each indicator, The first of the related indicators i The corresponding standard indicator value for each indicator. N This represents the total number of indicators in the related indicators; Based on the individual indicators and the comprehensive indicators corresponding to the standard indicators for the potential enterprise, the qualification score of the potential enterprise is calculated.

2. The matching method for bank products according to claim 1, characterized in that, The step of recommending the bank product to the target enterprise based on the target enterprise and the standard indicators includes: The target enterprise's indicator values ​​are compared with the corresponding levels of the standard indicators, from low to high. The highest level of the standard indicator corresponding to the target company's indicator value is selected 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 matching method for bank products according to claim 1, characterized in that, The matching method for the aforementioned bank products also includes: A risk assessment is conducted on the target company to obtain a risk index; The step of 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: 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.

4. The matching method for bank products according to claim 3, characterized in that, The risk assessment of the target company, resulting in a risk index, includes: Based on the target company's credit history and asset flow, the target company's legal entity is assessed to obtain a legal entity risk coefficient. Based on the financial information of the target company, the operating status of the target company is assessed to obtain the operating risk coefficient; Based on the status of the target company's upstream and downstream companies, the development trend of the target company is assessed, and a trend risk coefficient is obtained. The risk index of the target enterprise is calculated by comprehensively considering the corporate risk coefficient, the operational risk coefficient, and the trend risk coefficient.

5. The matching method for bank products according to claim 1, characterized in that, The matching method for the aforementioned bank products also includes: Periodically obtain the indicator values ​​of the standard indicators corresponding to the potential enterprises or the target enterprises; If the change in the indicator value exceeds a preset threshold, the bank product will be matched with the enterprise again.

6. A matching device for banking products, characterized in that, include: The purchase indicator determination module is used to determine the standard indicators that need to be met to purchase the bank products based on the product characteristics of the bank products; wherein, the standard indicators represent the conditions that enterprises need to meet to purchase the bank products, and each standard indicator includes at least one level; The target company screening module is used to screen potential companies that meet the standard indicators based on the standard indicators. The bank product recommendation module is used to recommend bank products to the target enterprise based on the target enterprise and the standard indicators. The target company screening module is further configured as follows: If a potential enterprise fails to meet at least one of the corresponding standard indicators, then the potential enterprise will be scored to obtain a qualification score. If the potential company's qualification score is greater than a preset score threshold, then the potential company is determined to be the target company. The target company screening module is further configured as follows: Obtain the related indicators for the potential enterprises that fail to meet the standard indicators; wherein, the related indicators represent multiple related indicator values; Based on the indicator values ​​of the potential enterprise that it fails to meet the standard indicators and the indicator values ​​of the related indicators, a comprehensive indicator for the potential enterprise is calculated by weighted summation; wherein, the calculation formula for the comprehensive indicator is: ； in, The index value of the comprehensive index. The first of the related indicators i The weight of each indicator, The first of the related indicators i The value of each indicator, The first of the related indicators i The corresponding standard indicator value for each indicator. N This represents the total number of indicators in the related indicators; Based on the individual indicators and the comprehensive indicators corresponding to the standard indicators for the potential enterprise, the qualification score of the potential enterprise is calculated.

7. A computer-readable storage medium, characterized in that, The storage medium stores a computer program for performing the method described in any one of claims 1-5.

8. An electronic device, characterized in that, include: processor; Memory used to store the processor's executable instructions; The processor is used to execute the method described in any one of claims 1-5.

Images