Data engine platform-based government and bank cooperative application method and system

Abstract

The invention relates to the technical field of financial services, in particular to a government and bank cooperation application method and system based on a data engine platform, which can improve the depth and breadth of cooperation of a government and a financial institution, promote stable development of economic society, and promote innovation and efficiency improvement of financial services. The method comprises the steps that government affair data of all departments of a government and financial data in a bank system are extracted through a data engine platform; integrating and sharing the government affair data and the financial data to obtain a financial service associated data set; inputting the financial service associated data set into a pre-constructed financial trend analysis model to obtain financial market economic characteristics; performing economic operation analysis according to financial market economic characteristics to obtain an economic operation analysis report; the economic operation analysis report comprises credit assessment and risk early warning; and according to the economic operation analysis report, generating a financial product and a matched service mode.

Description

Technical Field

[0001] The present invention relates to the technical field of financial services, and in particular to a government-bank cooperation application method and system based on a data engine platform. Background Art

[0002] Under the current background of digital transformation, the cooperation between the government and financial institutions is becoming increasingly close, aiming to jointly promote the stable development of the economy and society through efficient data sharing and analysis. The traditional government-bank cooperation model is often limited by the phenomenon of information islands, that is, there are barriers between the large amount of government data held by the government and the bank's business data, making it difficult to achieve effective integration and utilization. This information asymmetry not only limits the government's ability to implement precise policies, but also affects banks' accurate assessment of market risks and effective identification of high-quality customers, thereby restricting the innovation and efficiency of financial services. Summary of the invention

[0003] In order to solve the above technical problems, the present invention provides a government-bank cooperation application method based on a data engine platform, which can enhance the depth and breadth of cooperation between the government and financial institutions, promote the stable development of the economy and society, and promote the innovation and efficiency of financial services.

[0004] In a first aspect, the present invention provides a method for government-bank cooperation based on a data engine platform, the method comprising:

[0005] Extract government data from various government departments and financial data from banking systems through the data engine platform;

[0006] Integrate and share government data and financial data to obtain financial service related data sets;

[0007] Input financial services related data sets into pre-built financial trend analysis models to obtain financial market economic characteristics;

[0008] Conduct economic operation analysis based on the economic characteristics of the financial market and obtain an economic operation analysis report; the economic operation analysis report includes credit assessment and risk warning;

[0009] Generate financial products and supporting service models based on economic operation analysis reports.

[0010] Furthermore, the government data includes corporate credit information, social security data and tax data.

[0011] Furthermore, the financial data includes credit data, deposit flow data, investment and financial management data, credit card data, insurance data and financial market transaction data.

[0012] Furthermore, the method of integrating government data and financial data includes:

[0013] Clean government and financial data, remove invalid, duplicate, and erroneous data entries, and standardize data from different sources;

[0014] Using master data management and data mapping technology to establish cross-data source correlation, linking government tax data with bank loan records through the enterprise unified social credit code;

[0015] Data fusion technology is used to merge the cleaned and standardized data sets to form financial service related data sets.

[0016] Furthermore, the method for constructing the financial trend analysis model includes:

[0017] Obtain financial services related data sets, and perform missing value processing and outlier detection on the financial services related data sets;

[0018] Selecting machine learning models as the infrastructure of the financial trend analysis model, the machine learning models include linear regression, logistic regression, decision tree, random forest, support vector machine, neural network and time series model;

[0019] Divide the dataset into training set, validation set and test set; use the training set data to train the selected model; use the validation set to evaluate the generalization ability of the model;

[0020] Use the test set to evaluate the model performance, focusing on accuracy, precision, recall, F1 score, and root mean square error indicators; adjust the model structure and parameters based on the evaluation results;

[0021] Deploy the optimized model to the data engine platform.

[0022] Furthermore, the method for obtaining the economic operation analysis report includes:

[0023] Interpret the economic characteristics of the financial market output by the model and clarify the economic significance of each characteristic;

[0024] Categorize characteristics by the economic areas they reflect, including macroeconomic health, industry performance, market confidence, and consumer behavior;

[0025] Combine the corporate credit information and tax data in government data to conduct credit rating for enterprises and individuals and obtain credit assessment results;

[0026] Based on the assessment results, the entities are classified into different credit levels to provide a basis for credit decision-making and identify potential high-quality customers and high-risk groups;

[0027] Setting risk indicators, including non-performing loan ratio, market liquidity index and credit default swap spread, and continuously monitoring them;

[0028] Apply time series analysis and anomaly detection algorithms to identify abnormal fluctuations in indicators, set thresholds, and automatically trigger warning signals when indicators exceed the threshold range to obtain risk warning information;

[0029] Predict the future trend of macroeconomic indicators, explore the interaction between different economic indicators, understand the causal mechanism, provide a scientific basis for policy making, and obtain macroeconomic forecast results;

[0030] Integrate credit assessment results, risk warning information, and macroeconomic forecast results to form an economic operation analysis report.

[0031] Furthermore, the method for generating the financial product and supporting service model includes:

[0032] Segment the market into different target groups based on industry trends, regional economic characteristics and customer credit status revealed in the economic operation analysis report;

[0033] Design and optimize financial products according to the needs of different market segments;

[0034] Introducing financial technology means such as digital banking, blockchain loan approval and smart investment advisory to improve service efficiency and user experience and reduce operating costs;

[0035] Based on the credit assessment results, the dynamic risk assessment model is updated to monitor the credit changes of the loan enterprises and the dynamic risks of the market environment in real time;

[0036] Set loan interest rates and insurance premium rates based on risk assessment results and market interest rates to balance risks and benefits;

[0037] Automatically review the compliance of financial products and services to ensure that new product designs meet regulatory requirements;

[0038] Leverage blockchain technology to achieve data transparency while applying big data analytics to support real-time regulatory reporting.

[0039] On the other hand, the present application also provides a government-bank cooperation application system based on a data engine platform, the system comprising:

[0040] The data collection module extracts government data from various government departments and financial data from banking systems through the data engine platform;

[0041] The data integration and sharing module integrates and shares government data and financial data to obtain financial service related data sets;

[0042] The financial trend analysis module inputs the financial service related data set into the pre-built financial trend analysis model to obtain the economic characteristics of the financial market;

[0043] An economic operation analysis module, which conducts economic operation analysis based on the economic characteristics of the financial market and obtains an economic operation analysis report; the economic operation analysis report includes credit assessment and risk warning;

[0044] The financial product and service model generation module generates financial products and supporting service models based on the economic operation analysis report.

[0045] In a third aspect, the present application provides an electronic device, comprising a bus, a transceiver, a memory, a processor, and a computer program stored in the memory and executable on the processor, wherein the transceiver, the memory, and the processor are connected via the bus, and the computer program, when executed by the processor, implements the steps of any one of the above methods.

[0046] In a fourth aspect, the present application further provides a computer-readable storage medium having a computer program stored thereon, wherein the computer program implements the steps in any one of the above-mentioned methods when executed by a processor.

[0047] Compared with the prior art, the present invention has the following beneficial effects: the method integrates government affairs data and bank financial data through the data engine platform, effectively breaking down information barriers; cross-domain data fusion greatly enriches the data resource library, providing a solid foundation for in-depth analysis and accurate decision-making;

[0048] The integrated financial services-related data sets are input into the financial trend analysis model, which can reveal the deep characteristics and trends of the financial market. This not only improves the ability to grasp market dynamics, but also enables the government and financial institutions to formulate policies and strategies based on more accurate analysis results, thereby improving the accuracy and timeliness of decision-making.

[0049] The economic operation analysis module generates reports based on the economic characteristics of the financial market, including credit assessment and risk warning, which helps the government and financial institutions to identify potential risks in advance and effectively control financial risks. At the same time, it can more accurately assess the credit status of enterprises and individuals and optimize the allocation of credit resources.

[0050] Based on the economic operation analysis report, we can develop financial products and supporting service models in a targeted manner, promote innovation and personalization of financial services, better meet market demand, improve the quality and efficiency of financial services, and enhance market competitiveness;

[0051] Through precise policy implementation and efficient financial services, this approach can effectively promote the rational allocation of resources, stimulate market vitality, and provide a strong impetus for the stable development of the economy and society; at the same time, the enhanced risk control capabilities and credit assessment mechanisms can also help maintain the stability of the financial market;

[0052] To sum up, this method can not only effectively solve the problem of information islands, but also enhance the depth and breadth of cooperation between the government and financial institutions, promote the stable development of the economy and society, and promote the innovation and efficiency of financial services. BRIEF DESCRIPTION OF THE DRAWINGS

[0053] Figure 1 is a flow chart of the present invention;

[0054] Figure 2 It is a structural diagram of a government-bank cooperation application system based on a data engine platform. DETAILED DESCRIPTION

[0055] In the description of the present application, those skilled in the art should know that the present application can be implemented as a method, an apparatus, an electronic device, and a computer-readable storage medium. Therefore, the present application can be specifically implemented in the following forms: complete hardware, complete software (including firmware, resident software, microcode, etc.), a combination of hardware and software. In addition, in some embodiments, the present application can also be implemented in the form of a computer program product in one or more computer-readable storage media, and the computer-readable storage medium contains computer program code.

[0056] The above-mentioned computer-readable storage medium may adopt any combination of one or more computer-readable storage media. Computer-readable storage media include: electrical, magnetic, optical, electromagnetic, infrared or semiconductor systems, devices or devices, or any combination of the above. More specific examples of computer-readable storage media include: portable computer disks, hard disks, random access memories, read-only memories, erasable programmable read-only memories, flash memories, optical fibers, optical disc read-only memories, optical storage devices, magnetic storage devices, or any combination of the above. In the present application, computer-readable storage media can be any tangible medium containing or storing a program that can be used by or in conjunction with an instruction execution system, device, or device.

[0057] The acquisition, storage, use, and processing of data in the technical solution of this application comply with the relevant provisions of national laws.

[0058] The present application describes the provided methods, devices, and electronic devices through flowcharts and / or block diagrams.

[0059] It should be understood that each box in the flowchart and / or block diagram and the combination of boxes in the flowchart and / or block diagram can be implemented by computer-readable program instructions. These computer-readable program instructions can be provided to a processor of a general-purpose computer, a special-purpose computer or other programmable data processing device to produce a machine, and these computer-readable program instructions are executed by a computer or other programmable data processing device to produce a device that implements the functions / operations specified by the boxes in the flowchart and / or block diagram.

[0060] These computer-readable program instructions may also be stored in a computer-readable storage medium that enables a computer or other programmable data processing device to work in a specific manner. In this way, the instructions stored in the computer-readable storage medium produce an instruction device product including functions / operations specified in the blocks in the flowchart and / or block diagram.

[0061] Computer-readable program instructions may also be loaded onto a computer, other programmable data processing apparatus, or other device, so that a series of operational steps are performed on the computer, other programmable data processing apparatus, or other device to produce a computer-implemented process, thereby enabling the instructions executed on the computer or other programmable data processing apparatus to provide a process for implementing the functions / operations specified in the blocks in the flowchart and / or block diagram.

[0062] The present application is described below in conjunction with the drawings in the present application.

[0063] Embodiment 1: Figure 1 As shown, a government-bank cooperation application method based on a data engine platform of the present invention specifically includes the following steps:

[0064] S1. Extracting government data from various government departments and financial data from banking systems through the data engine platform; the government data includes corporate credit information, social security data, and tax data;

[0065] Government departments and financial institutions have their own databases and information systems. In order to extract data, the data engine platform can be connected to these systems safely and efficiently by developing standardized API interfaces.

[0066] Use extraction, conversion, and loading tools to extract raw data from the source system, perform data cleaning and format conversion, and load it into the unified storage of the data engine platform;

[0067] Design flexible and configurable data extraction strategies to adapt to the data update frequency and time window of different sources; use real-time data stream processing technology for data with high real-time requirements; and extract relatively static data in batches regularly;

[0068] During data extraction and transmission, ensure compliance with data protection regulations, implement encryption transmission, access control and desensitization measures, and protect sensitive information from illegal access or leakage;

[0069] Establish a metadata management system to record information such as the source, format, meaning, and conversion rules of data to improve data traceability and quality;

[0070] Establish a monitoring mechanism to regularly evaluate and optimize the performance and efficiency of the data extraction process to ensure that the system can continue to operate stably and meet business needs;

[0071] Develop emergency response plans to deal with possible data extraction failures or problems and reduce data synchronization interruption time caused by technical failures;

[0072] Through the above-mentioned detailed technical solution for implementing step S1, the integration and sharing of data between the government and financial institutions can be effectively achieved, laying a solid technical foundation for the subsequent analysis and application of financial service-related data sets.

[0073] S2. Integrate and share government data and financial data to obtain financial service related data sets;

[0074] Methods for integrating government data and financial data include:

[0075] Clean government and financial data, remove invalid, duplicate, and erroneous data entries, and ensure data quality; at the same time, standardize data from different sources, including unifying data formats, date formats, measurement units, etc., to facilitate subsequent integration and analysis;

[0076] Use master data management and data mapping technology to establish cross-data source correlation, and link government tax data with bank loan records through the enterprise unified social credit code; establish a data dictionary, clarify field definitions, and ensure semantic consistency of data from different sources;

[0077] Using data fusion technology, the cleaned and standardized data sets are merged to form a unified and comprehensive financial services related data set;

[0078] Build a data warehouse or data lake as a centralized storage and service layer to store integrated data; data warehouses tend to store structured data and quickly query it, while data lakes are more suitable for storing data in multiple formats and supporting big data analysis;

[0079] During the entire data integration process, metadata management records information such as the data source, transformation process, and data quality indicators to help users understand the data and support data lineage tracking and impact analysis;

[0080] Methods for sharing government data and financial data include:

[0081] By developing API interfaces and encapsulating data query and retrieval functions, government agencies and financial institutions can easily access and use integrated data sets while ensuring data security;

[0082] During the data sharing process, strictly implement data access control and privacy protection measures, including access control, the principle of least privilege, and data desensitization, to ensure that data use complies with laws and regulations and protect personal privacy and business secrets;

[0083] Establish a secure data exchange platform that supports scheduled data synchronization, incremental updates, and version control, so that data updates are timely and consistent, while also recording the history of data exchanges to ensure traceability;

[0084] The data integration and sharing in step S2 can effectively break down the information barriers between government data and banking business data, and provide a high-quality data foundation for subsequent financial trend analysis and economic operation analysis.

[0085] S3, input the financial services related data set into the pre-built financial trend analysis model to obtain the economic characteristics of the financial market;

[0086] The method for constructing the financial trend analysis model includes:

[0087] Obtain financial services related data sets, and perform missing value processing, outlier detection and processing, and data type conversion on the financial services related data sets;

[0088] Selecting machine learning models as the infrastructure of the financial trend analysis model, the machine learning models include linear regression, logistic regression, decision tree, random forest, support vector machine, neural network and time series model;

[0089] Divide the dataset into training set, validation set and test set; use the training set data to train the selected model; use the validation set to evaluate the generalization ability of the model to avoid overfitting;

[0090] Use the test set to evaluate the model performance, focusing on accuracy, precision, recall, F1 score, and root mean square error indicators; adjust the model structure and parameters based on the evaluation results;

[0091] Deploy the optimized model to the data engine platform to achieve real-time or regular data input and forecast output; establish a model monitoring mechanism to continuously track model performance and adjust the model in a timely manner to adapt to market changes;

[0092] The S3 step transforms massive amounts of data into a deep understanding of the financial market economy through advanced analytical techniques, providing a solid foundation for subsequent decision support.

[0093] S4. Conduct economic operation analysis based on the economic characteristics of the financial market and obtain an economic operation analysis report; the economic operation analysis report includes credit assessment and risk warning;

[0094] Credit assessment is the process of evaluating the ability of an individual or enterprise to comply with contractual obligations and credit commitments in financial transactions; in the context of cooperation between the government and financial institutions, it uses data obtained from various government departments to conduct comprehensive analysis to assess the credit status of individuals or enterprises;

[0095] The method for obtaining the economic operation analysis report includes:

[0096] Interpret the economic characteristics of the financial market output by the model and clarify the economic significance of each characteristic;

[0097] Categorize the characteristics by the economic sectors they reflect, including macroeconomic health, industry performance, market confidence, and consumer behavior, for subsequent in-depth analysis;

[0098] Combine enterprise credit information and tax data in government data to conduct credit rating for enterprises and individuals;

[0099] Based on the assessment results, the entities are classified into different credit levels to provide a basis for credit decision-making and identify potential high-quality customers or high-risk groups;

[0100] Setting risk indicators, including non-performing loan ratio, market liquidity index and credit default swap spread, and continuously monitoring them;

[0101] Apply time series analysis and anomaly detection algorithms to identify abnormal fluctuations in indicators, set thresholds, and automatically trigger warning signals when indicators exceed normal ranges;

[0102] Use econometric models to predict future trends in key macroeconomic indicators;

[0103] Explore the interaction between different economic indicators, understand the causal mechanism, and provide a scientific basis for policy making;

[0104] Integrate credit assessment results, risk warning information, and macroeconomic forecasts to form a comprehensive economic operation analysis report;

[0105] The S4 stage not only generates a detailed economic operation analysis report, but also provides governments and financial institutions with profound insights into credit assessment, risk warning and macroeconomic trends, laying a solid foundation for formulating precise policies and optimizing financial service models.

[0106] S5. Generate financial products and supporting service models based on the economic operation analysis report;

[0107] The method for generating the financial product and supporting service model includes:

[0108] Segment the market into different target groups based on industry trends, regional economic characteristics and customer credit status revealed in the economic operation analysis report;

[0109] Design and optimize financial products based on the specific needs of different market segments to ensure that products are highly matched with market demand;

[0110] Introducing financial technology tools such as digital banking, blockchain loan approval, and smart investment advisors to improve service efficiency and user experience while reducing operating costs;

[0111] Combined with the credit assessment results, establish or update dynamic risk assessment models to monitor the credit changes of loan enterprises and the dynamic risks of the market environment in real time;

[0112] Based on risk assessment results and market interest rate levels, we use advanced pricing models to set loan interest rates and insurance premiums to balance risks and returns;

[0113] Use natural language processing and machine learning technologies to automatically review the compliance of financial products and services to ensure that new product designs meet regulatory requirements;

[0114] Work with regulators to use blockchain technology to achieve data transparency, while applying big data analytics to support real-time regulatory reporting to improve regulatory efficiency and responsiveness;

[0115] Use data analysis tools to identify potential high-quality customer groups, implement precision marketing, and increase conversion rates through personalized recommendations;

[0116] Regularly review the performance of new financial products and services, including market acceptance, risk profile and profitability, and collect customer feedback;

[0117] Based on evaluation results and market changes, we continuously adjust product features, service processes and risk management strategies to maintain the competitiveness of our products and services;

[0118] The S5 stage not only promoted the innovation and optimization of financial products, but also strengthened the flexibility and adaptability of the government-bank cooperation model, and jointly promoted the digital transformation of the financial services sector and the stable development of the economy and society.

[0119] Embodiment 2: Figure 2 As shown, a government-bank cooperation application system based on a data engine platform of the present invention specifically includes the following modules:

[0120] The data collection module extracts government data from various government departments and financial data from banking systems through the data engine platform;

[0121] The data integration and sharing module integrates and shares government data and financial data to obtain financial service related data sets;

[0122] The financial trend analysis module inputs the financial service related data set into the pre-built financial trend analysis model to obtain the economic characteristics of the financial market;

[0123] An economic operation analysis module, which conducts economic operation analysis based on the economic characteristics of the financial market and obtains an economic operation analysis report; the economic operation analysis report includes credit assessment and risk warning;

[0124] The financial product and service model generation module generates financial products and supporting service models based on the economic operation analysis report.

[0125] Through the data collection module and the data integration and sharing module, the system can break the information barriers in the traditional government-bank cooperation and realize the effective integration of government data and financial data. It not only promotes the full utilization of data resources, but also strengthens the circulation and interoperability of data, providing more comprehensive and rich decision-making support information for both parties.

[0126] The financial trend analysis module uses advanced analytical models to conduct in-depth mining of the integrated data set and accurately identify the economic characteristics of the financial market. Combined with the economic operation analysis module, it can generate analytical reports including credit assessment and risk warning, helping governments and financial institutions to more accurately assess market risks and identify high-quality customers, thereby improving risk management capabilities and market response speed.

[0127] Based on the economic operation analysis report, the financial product and service model generation module can customize the design of financial products and services to meet the diversified needs of the market, help improve the flexibility, pertinence and competitiveness of financial services, and accelerate the iteration and upgrading of financial products; the economic operation analysis report provided by the system provides a scientific basis for the government to formulate policies and financial institutions to adjust their business strategies, and enhances the objectivity and foresight of decision-making;

[0128] To sum up, the system not only solves the problem of information islands by promoting the efficient flow and utilization of data, but also improves the efficiency of government-bank cooperation, providing strong support for financial service innovation, risk control and stable economic development.

[0129] The various variations and specific embodiments of the government-bank cooperation application method based on a data engine platform in the aforementioned embodiment 1 are also applicable to the government-bank cooperation application system based on a data engine platform in this embodiment. Through the aforementioned detailed description of the government-bank cooperation application method based on a data engine platform, those skilled in the art can clearly understand the implementation method of the government-bank cooperation application system based on a data engine platform in this embodiment, so for the sake of brevity of the specification, it will not be described in detail here.

[0130] In addition, the present application also provides an electronic device, including a bus, a transceiver, a memory, a processor, and a computer program stored in the memory and executable on the processor. The transceiver, the memory, and the processor are respectively connected via a bus. When the computer program is executed by the processor, each process of the above-mentioned method for controlling output data is implemented, and the same technical effect can be achieved. To avoid repetition, it will not be described here.

[0131] The above is only a preferred embodiment of the present invention. It should be pointed out that for ordinary technicians in this technical field, several improvements and modifications can be made without departing from the technical principles of the present invention. These improvements and modifications should also be regarded as the scope of protection of the present invention.

Claims

1. A method for government-bank cooperation based on a data engine platform, characterized in that: The method comprises: Extract government data from various government departments and financial data from banking systems through the data engine platform; Integrate and share government data and financial data to obtain financial service related data sets; Input financial services related data sets into pre-built financial trend analysis models to obtain financial market economic characteristics; Conduct economic operation analysis based on the economic characteristics of the financial market and obtain an economic operation analysis report; the economic operation analysis report includes credit assessment and risk warning; Generate financial products and supporting service models based on economic operation analysis reports.

2. The method for government-bank cooperation based on a data engine platform as claimed in claim 1, characterized in that: The government data includes corporate credit information, social security data and tax data.

3. The method for government-bank cooperation based on a data engine platform as claimed in claim 1, characterized in that: The financial data includes credit data, deposit flow data, investment and financial management data, credit card data, insurance data and financial market transaction data.

4. The method for government-bank cooperation based on a data engine platform as claimed in claim 1, characterized in that: Methods for integrating government data and financial data include: Clean government and financial data, remove invalid, duplicate, and erroneous data entries, and standardize data from different sources; Using master data management and data mapping technology to establish cross-data source correlation, linking government tax data with bank loan records through the enterprise unified social credit code; Data fusion technology is used to merge the cleaned and standardized data sets to form financial service related data sets.

5. The method for government-bank cooperation based on a data engine platform as claimed in claim 1, characterized in that: The method for constructing the financial trend analysis model includes: Obtain financial services related data sets, and perform missing value processing and outlier detection on the financial services related data sets; Selecting machine learning models as the infrastructure of the financial trend analysis model, the machine learning models include linear regression, logistic regression, decision tree, random forest, support vector machine, neural network and time series model; Divide the dataset into training set, validation set and test set; use the training set data to train the selected model; use the validation set to evaluate the generalization ability of the model; Use the test set to evaluate the model performance, focusing on accuracy, precision, recall, F1 score, and root mean square error indicators; adjust the model structure and parameters based on the evaluation results; Deploy the optimized model to the data engine platform.

6. The method for government-bank cooperation based on a data engine platform as claimed in claim 1, characterized in that: The method for obtaining the economic operation analysis report includes: Interpret the economic characteristics of the financial market output by the model and clarify the economic significance of each characteristic; Categorize characteristics by the economic areas they reflect, including macroeconomic health, industry performance, market confidence, and consumer behavior; Combine the corporate credit information and tax data in government data to conduct credit rating for enterprises and individuals and obtain credit assessment results; Based on the assessment results, the entities are classified into different credit levels to provide a basis for credit decision-making and identify potential high-quality customers and high-risk groups; Setting risk indicators, including non-performing loan ratio, market liquidity index and credit default swap spread, and continuously monitoring them; Apply time series analysis and anomaly detection algorithms to identify abnormal fluctuations in indicators, set thresholds, and automatically trigger warning signals when indicators exceed the threshold range to obtain risk warning information; Predict the future trend of macroeconomic indicators, explore the interaction between different economic indicators, understand the causal mechanism, provide a scientific basis for policy making, and obtain macroeconomic forecast results; Integrate credit assessment results, risk warning information, and macroeconomic forecast results to form an economic operation analysis report.

7. The method for government-bank cooperation based on a data engine platform as claimed in claim 1, characterized in that: The method for generating the financial product and supporting service model includes: Segment the market into different target groups based on industry trends, regional economic characteristics and customer credit status revealed in the economic operation analysis report; Design and optimize financial products according to the needs of different market segments; Introducing financial technology means such as digital banking, blockchain loan approval and smart investment advisory to improve service efficiency and user experience and reduce operating costs; Based on the credit assessment results, the dynamic risk assessment model is updated to monitor the credit changes of the loan enterprises and the dynamic risks of the market environment in real time; According to the risk assessment results and market interest rate level, the loan interest rate and insurance premium rate are set to balance the risks and benefits; Automatically review the compliance of financial products and services to ensure that new product designs meet regulatory requirements; Leverage blockchain technology to achieve data transparency while applying big data analytics to support real-time regulatory reporting.

8. A government-bank cooperation application system based on a data engine platform, characterized in that: The system comprises: The data collection module extracts government data from various government departments and financial data from banking systems through the data engine platform; The data integration and sharing module integrates and shares government data and financial data to obtain financial service related data sets; The financial trend analysis module inputs the financial service related data set into the pre-built financial trend analysis model to obtain the economic characteristics of the financial market; An economic operation analysis module, which conducts economic operation analysis based on the economic characteristics of the financial market and obtains an economic operation analysis report; the economic operation analysis report includes credit assessment and risk warning; The financial product and service model generation module generates financial products and supporting service models based on the economic operation analysis report.

9. An electronic device for government-bank cooperation based on a data engine platform, comprising a bus, a transceiver, a memory, a processor, and a computer program stored in the memory and executable on the processor, wherein the transceiver, the memory, and the processor are connected via the bus, and characterized in that: When the computer program is executed by the processor, the steps in the method according to any one of claims 1 to 7 are implemented.

10. A computer-readable storage medium having a computer program stored thereon, characterized in that: When the computer program is executed by a processor, the steps in the method according to any one of claims 1 to 7 are implemented.

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