Storage financial risk management and control method and device, computer equipment and storage medium

Abstract

The invention relates to a storage financial risk management and control method and device, computer equipment, a storage medium and a computer program product. The method comprises the following steps: detecting whether each detained product value dimension of a target warehouse changes or not, each detained product value dimension being used for evaluating the value of a detained product in the target warehouse; if each detained goods value dimension of the target warehouse is changed, determining a changed target detained goods value dimension in each detained goods value dimension; and according to the target detained product value dimension, dynamically updating the current detained product value of the target warehouse, and managing and controlling the storage financial risk corresponding to the target warehouse in real time. By adopting the method, the accuracy and the real-time performance of storage financial risk management and control can be both improved.

Description

Technical Field

[0001] The present application relates to the technical field of fintech, and in particular, to a method, device, computer device, storage medium, and computer program product for controlling warehousing financial risks. Background Art

[0002] With the development of fintech technology, financial risk control technology has emerged, and the control of warehousing financial risks can be achieved by using financial risk control technology.

[0003] In traditional technology, the credit risk of the entity to which the warehouse belongs is usually evaluated based on the past financial information of the entity to which the warehouse belongs, and then the warehousing financial risk is controlled according to the credit risk situation.

[0004] However, in traditional technology, the decision-making factors for controlling warehousing financial risks are usually relatively single, the accuracy of warehousing financial risk control is not high, and since the decision-making information for making credit risk decisions is the past financial information of the entity to which the warehouse belongs, there is a certain lag in time, and the real-time performance of warehousing financial risk control is not high. Summary of the Invention

[0005] Based on this, in view of the above technical problems, it is necessary to provide a method, device, computer device, computer-readable storage medium, and computer program product for controlling warehousing financial risks that can take into account both improving the accuracy and real-time performance of warehousing financial risk control.

[0006] In a first aspect, the present application provides a method for controlling warehousing financial risks. The method includes:

[0007] Detecting whether each collateral value dimension of a target warehouse has changed, where each collateral value dimension is used to evaluate the value of the collateral in the target warehouse;

[0008] If each collateral value dimension of the target warehouse has changed, determining a target collateral value dimension that has changed among each collateral value dimension;

[0009] According to the target collateral value dimension, by dynamically updating the current collateral value of the target warehouse, the warehousing financial risk corresponding to the target warehouse is controlled in real time.

[0010] In one of the embodiments, each collateral value dimension includes a filtering dimension, an attribute dimension, an inventory dimension, and a price dimension; the controlling the warehousing financial risk corresponding to the target warehouse in real time by dynamically updating the current collateral value of the target warehouse according to the target collateral value dimension includes:

[0011] If the target collateral value dimension includes the filtering dimension or the attribute dimension, then based on the current collateral filtering information under the filtering dimension and the current attribute information of the inventory items in the target warehouse under the attribute dimension, re-screen the current collateral from among the inventory items in the target warehouse; if the target collateral value dimension does not include the filtering dimension and the attribute dimension, then use the historical collateral of the target warehouse in the previous time step as the current collateral; based on the current collateral inventory information of the current collateral under the inventory dimension and the current collateral price information under the price dimension, dynamically update the current collateral value of the target warehouse; based on the dynamically updated current collateral value, real-time control the warehousing financial risks corresponding to the target warehouse.

[0012] In one embodiment, the real-time control of the warehousing financial risks corresponding to the target warehouse based on the dynamically updated current collateral value includes:

[0013] If a warehouse-out request corresponding to the target warehouse is received, then based on the dynamically updated current collateral value, real-time control the warehouse-out risks of the target warehouse; if a financing request corresponding to the target warehouse is received, then based on the dynamically updated current collateral value, real-time control the financing risks of the target warehouse.

[0014] In one embodiment, the real-time control of the warehouse-out risks of the target warehouse based on the dynamically updated current collateral value includes:

[0015] Based on the warehouse-out information corresponding to the warehouse-out request and the current collateral value, determine the target collateral value corresponding to the target warehouse after the warehouse-out is successful; based on the target collateral value and a preset collateral value threshold, by choosing whether to respond to the warehouse-out request, real-time control the warehouse-out risks corresponding to the target warehouse.

[0016] In one embodiment, the real-time control of the financing risks of the target warehouse based on the dynamically updated current collateral value includes:

[0017] Based on the pledge rate of the target warehouse and the current collateral value, determine the available financing amount corresponding to the target warehouse; based on the financing information corresponding to the financing request, the already-financed amount of the target warehouse, and the available financing amount, by choosing whether to respond to the financing request, real-time control the financing risks corresponding to the target warehouse.

[0018] In one embodiment, the real-time control of the warehousing financial risks corresponding to the target warehouse by dynamically updating the current collateral value of the target warehouse based on the target collateral value dimension includes:

[0019] Determine the collateral value fluctuation information corresponding to the target warehouse according to the current collateral value of each dynamic update within a preset past time period for the target warehouse; predict the warehousing financial risk of the target warehouse based on the value fluctuation information to obtain a risk prediction result; and control the warehousing financial risk corresponding to the target warehouse in real time according to the risk prediction result.

[0020] In one embodiment, the predicting the warehousing financial risk of the target warehouse based on the value fluctuation information to obtain a risk prediction result includes:

[0021] Predict the value change trend information of the current collateral within a preset future time period according to the collateral in-and-out information and the current collateral attribute information of the current collateral in the target warehouse; predict the warehousing financial risk of the target warehouse based on the value change trend information and the value fluctuation information to obtain a risk prediction result.

[0022] In a second aspect, the present application also provides a warehousing financial risk control device. The device includes:

[0023] A detection module, configured to detect whether each collateral value dimension of the target warehouse has changed, where each collateral value dimension is used to evaluate the value of the collateral in the target warehouse.

[0024] A determination module, configured to determine the target collateral value dimension that has changed if each collateral value dimension of the target warehouse has changed.

[0025] A risk control module, configured to control the warehousing financial risk corresponding to the target warehouse in real time by dynamically updating the current collateral value of the target warehouse according to the target collateral value dimension.

[0026] In a third aspect, the present application also provides a computer device. The computer device includes a memory and a processor, the memory stores a computer program, and when the processor executes the computer program, the following steps are implemented:

[0027] Detect whether each collateral value dimension of the target warehouse has changed, where each collateral value dimension is used to evaluate the value of the collateral in the target warehouse; if each collateral value dimension of the target warehouse has changed, determine the target collateral value dimension that has changed among each collateral value dimension; and control the warehousing financial risk corresponding to the target warehouse in real time by dynamically updating the current collateral value of the target warehouse according to the target collateral value dimension.

[0028] In a fourth aspect, the present application also provides a computer-readable storage medium. The computer-readable storage medium stores a computer program, and when the computer program is executed by a processor, the following steps are implemented:

[0029] Detect whether each collateral value dimension of the target warehouse has changed, where each of the collateral value dimensions is used to evaluate the value of the collateral in the target warehouse; if each collateral value dimension of the target warehouse has changed, determine the target collateral value dimension that has changed among each of the collateral value dimensions; according to the target collateral value dimension, dynamically update the current collateral value of the target warehouse to real-time control the warehousing financial risk corresponding to the target warehouse.

[0030] In a fifth aspect, the present application also provides a computer program product. The computer program product includes a computer program, and when the computer program is executed by a processor, the following steps are implemented:

[0031] Detect whether each collateral value dimension of the target warehouse has changed, where each of the collateral value dimensions is used to evaluate the value of the collateral in the target warehouse; if each collateral value dimension of the target warehouse has changed, determine the target collateral value dimension that has changed among each of the collateral value dimensions; according to the target collateral value dimension, dynamically update the current collateral value of the target warehouse to real-time control the warehousing financial risk corresponding to the target warehouse.

[0032] For the above warehousing financial risk control method, device, computer device, storage medium and computer program product, when it is detected that each collateral value dimension of the target warehouse has changed, first determine in real time the target collateral value dimension that has changed among each of the collateral value dimensions, and then according to the target collateral value dimension, dynamically update the current collateral value of the target warehouse. In this way, it can be realized that the current collateral value of the target warehouse changes dynamically with the change of the collateral value dimension of the target warehouse, which can ensure the real-time nature of the current collateral value. In addition, since the value of the collateral in the target warehouse is evaluated by the collateral value dimension, the decision-making factors of the current collateral value of the target warehouse are relatively rich and not single. Therefore, the decision-making accuracy of the current collateral value can be ensured, and thus according to the dynamically updated current collateral value, the warehousing financial risk corresponding to the target warehouse is real-time controlled, which can take into account the improvement of the real-time nature and accuracy of the warehousing financial risk control. Description of the Drawings

[0033] Figure 1 It is a schematic flowchart of a warehousing financial risk control method in an embodiment;

[0034] Figure 2 It is a schematic flowchart of real-time controlling the warehousing financial risk corresponding to the target warehouse in an embodiment;

[0035] Figure 3 It is a schematic flowchart of real-time controlling the warehousing financial risk corresponding to the target warehouse in another embodiment;

[0036] Figure 4 is the structural block diagram of the warehousing financial risk control device in an embodiment;

[0037] Figure 5 is the internal structure diagram of a computer device in an embodiment. Detailed implementation manners

[0038] In order to make the objectives, technical solutions and advantages of the present application clearer and more understandable, the present application will be further described in detail below with reference to the accompanying drawings and embodiments. It should be understood that the specific embodiments described herein are only used to explain the present application and are not used to limit the present application.

[0039] It should be noted that for warehousing finance, the entity to which the warehouse belongs usually uses the inventory in the warehouse as collateral for financial credit. Therefore, how to control the financial credit risk of the entity to which the warehouse belongs is an urgent problem to be solved; the traditional method for controlling financial credit risk is to evaluate the credit risk based on the financial status of the entity to which the warehouse belongs in the past period of time. However, since the decision-making information for making credit risk decisions is the past financial information of the entity to which the warehouse belongs, there is a certain lag in time, which will affect the real-time nature of warehousing financial risk control, and the decision-making factors for credit risk assessment are usually relatively single, which will affect the accuracy of warehousing financial risk control.

[0040] In the present application, the current collateral value of the target warehouse is maintained according to multiple collateral value dimensions of the target warehouse, and the current collateral value will change dynamically with the change of multiple collateral value dimensions of the target warehouse. Therefore, controlling the warehousing financial risk of the target warehouse according to the current collateral value of the target warehouse can ensure the real-time nature of warehousing financial risk control, and since the current collateral value of the target warehouse is determined by multiple collateral value dimensions, the decision-making influence is rich and not single. Therefore, the accuracy of warehousing financial risk control based on the current collateral value can be ensured.

[0041] In one embodiment, as Figure 1 shown, a warehousing financial risk control method is provided. In this embodiment, the application of this method to a server is taken as an example for illustration. It can be understood that this method can also be applied to a terminal, and can also be applied to a system including a terminal and a server, and is realized through the interaction between the terminal and the server. In this embodiment, the method includes the following steps:

[0042] Step 202, detecting whether each collateral value dimension of the target warehouse has changed, where each collateral value dimension is used to evaluate the value size of the collateral in the target warehouse.

[0043] Among them, the collateral value dimension is a data dimension that affects the value of the collateral in the target warehouse. This collateral value dimension is used to evaluate the value of the collateral in the target warehouse. For example, the calculation process of the collateral value in the target warehouse is as follows: first, according to the collateral filtering information and attribute information, the collateral is screened out from the inventory in the target warehouse, and then the collateral inventory information and collateral price information are used to evaluate the value of the collateral in the target warehouse. At this time, the collateral value dimension can be the filtering dimension, attribute dimension, inventory dimension, and price dimension. Among them, the filtering dimension and the attribute dimension are jointly used to screen out the current collateral that can be used as collateral from the inventory in the target warehouse, and the inventory dimension and the price dimension are used to specifically calculate the value corresponding to the current collateral as the current collateral value of the target warehouse.

[0044] As an example, the collateral filtering information under the filtering dimension can be filtering rules such as white list filtering, order type filtering, inventory status filtering, black list filtering, expiration date filtering, and warehouse age filtering; the attribute information under the attribute dimension can be information such as the name, expiration date, and warehouse age of the inventory in the target warehouse; the inventory information under the inventory dimension can be the collateral inventory quantity, the inbound quantity and outbound quantity of the collateral in the past period of time, etc.; the collateral price information under the price dimension can be the risk control recognized price, market average price, purchase price, or capital provider price of the collateral, etc.

[0045] As an example, step 202 includes: respectively detecting whether the dimension information under each collateral value dimension of the target warehouse has been updated. If the dimension information under the collateral value dimension has been updated, it is considered that the collateral value dimension has changed. If the dimension information under the collateral value dimension has not been updated, it is considered that the collateral value dimension has not changed. Among them, the dimension information can be the collateral filtering information under the filtering dimension, the attribute information under the attribute dimension, the collateral inventory information under the inventory dimension, and the collateral price information under the price dimension, etc.

[0046] Step 204, if each collateral value dimension of the target warehouse has changed, then determine the target collateral value dimension that has changed among each collateral value dimension.

[0047] Among them, after determining that each collateral value dimension of the target warehouse has changed, locate the target collateral value dimension that has changed among each collateral value dimension.

[0048] Step 206, according to the target collateral value dimension, dynamically update the current collateral value of the target warehouse to real-time control the warehousing financial risk corresponding to the target warehouse.

[0049] Among them, warehouse financial risks can include risks of collateral release and financing risks. Since the inventory of collateral will decrease after the collateral is released, the value of the collateral corresponding to the collateral will decrease. If the current collateral value in the target warehouse is already at a low level and the collateral is allowed to be released at this time, the current collateral value of the target warehouse will be too low, resulting in an increase in warehouse financial risks. To prevent insolvency, the amount that the entity to which the target warehouse belongs can finance is associated with the current collateral value of the target warehouse. Therefore, when the current collateral value of the target warehouse is low, the financing risk of the entity to which the target warehouse belongs will increase.

[0050] As an example, step 206 includes: dynamically updating the current collateral value of the target warehouse according to the dimension information under the target collateral value dimension; and real-time controlling the risks of collateral release and financing of the target warehouse according to the dynamically updated current collateral value.

[0051] As an example, the specific measures for controlling the risk of collateral release from the target warehouse can be to restrict the release of collateral or the quantity of collateral released, etc.; the specific measures for controlling the financing risk of the target strategy can be to restrict the entity to which the target warehouse belongs from financing or the amount of financing for the entity to which the target warehouse belongs, etc.

[0052] In the above warehouse financial risk control method, when it is detected that the collateral value dimensions of the target warehouse change, first, the target collateral value dimension that has changed is determined in real time among the collateral value dimensions, and then the current collateral value of the target warehouse is dynamically updated according to the target collateral value dimension. In this way, it can be realized that the current collateral value of the target warehouse changes dynamically with the change of the collateral value dimension of the target warehouse, which can ensure the real-time nature of the current collateral value. In addition, since the value of the collateral in the target warehouse is evaluated by the collateral value dimension, the decision-making factors of the current collateral value of the target warehouse are relatively rich and not single. Therefore, the decision-making accuracy of the current collateral value can be ensured, and then the warehouse financial risks corresponding to the target warehouse can be real-time controlled according to the dynamically updated current collateral value, which can take into account the improvement of the real-time nature and accuracy of warehouse financial risk control.

[0053] In one embodiment, as Figure 2 shown, each collateral value dimension includes a filtering dimension, an attribute dimension, an inventory dimension, and a price dimension; real-time controlling the warehouse financial risks corresponding to the target warehouse by dynamically updating the current collateral value of the target warehouse according to the target collateral value dimension includes:

[0054] Step 302, if the target collateral value dimension includes a filtering dimension or an attribute dimension, then re-screen the current collateral among the inventory items in the target warehouse according to the current collateral filtering information under the filtering dimension and the current attribute information of the inventory items in the target warehouse under the attribute dimension.

[0055] Step 304: If the target collateral value dimension does not include the filtering dimension and the attribute dimension, then use the historical collateral of the target warehouse at the previous time step as the current collateral.

[0056] Among them, if the filtering dimension or the attribute dimension has changed, it means that some of the current collateral in the target warehouse may no longer be suitable as financing collateral. At this time, it is necessary to re-screen the current collateral from the various inventory items in the target warehouse; if the filtering dimension or the attribute dimension has not changed, it means that the current collateral in the target warehouse can still be used as financing collateral.

[0057] As an example, steps 302 to 304 include: If the target collateral value dimension includes the filtering dimension or the attribute dimension, then obtain the current collateral filtering information under the filtering dimension and the current attribute information of each inventory item in the target warehouse under the attribute dimension. Among them, the current attribute information can be the name, expiration date, age of the inventory, and quality identification of the inventory item, etc.; According to the current collateral filtering information and the current attribute information of each inventory item, re-screen the current collateral of the target warehouse from the various inventory items in the target warehouse, where the current collateral is the inventory item that can be used as financing collateral in the target warehouse at the current time point; If the target collateral value dimension does not include the filtering dimension and the attribute dimension, then use the historical collateral of the target warehouse at the previous time step as the current collateral, that is, do not re-screen the current collateral of the target warehouse.

[0058] Step 306: Dynamically update the current collateral value of the target warehouse according to the current collateral inventory information of the current collateral under the inventory dimension and the current collateral price information under the price dimension.

[0059] Among them, the current collateral inventory information can be the current inventory quantity of the current collateral, and the current collateral price information can be the current risk control identified price of the current collateral; In addition, once there is a change in the collateral value dimension among multiple collateral value dimensions, the calculation of the dynamic collateral value is triggered. Therefore, the dynamic collateral value will change dynamically with the change of the collateral value dimension.

[0060] As an example, step 306 includes: Obtain the current inventory quantity of the current collateral under the inventory dimension and the current risk control identified price under the price dimension; Dynamically calculate the dynamic collateral value corresponding to the current collateral according to the current inventory quantity and the current risk control identified price; Update the current collateral value of the target warehouse to the latest calculated dynamic collateral value.

[0061] As an example, the calculation formula of the dynamic collateral value is as follows:

[0062]

[0063] Among them, is the dynamic value of the collateral, is the number of categories of the current collateral, is the current inventory of the current collateral of the is the current risk control recognition price of the current collateral of the

[0064] As an example, the current risk control recognition price of the current collateral can be based on the market price of the current collateral, the average market price over a past period, the purchase price, and the price of the capital provider, etc.

[0065] Step 308, according to the dynamically updated current collateral value, real-time control the warehousing financial risks corresponding to the target warehouse.

[0066] As an example, Step 308 includes: collecting multiple updated current collateral values within a preset past period; determining the collateral value fluctuation information of the target warehouse within the preset past period according to the multiple updated current collateral values within the preset past period; and real-time controlling the collateral outbound risk and financing risk of the target warehouse according to the collateral value fluctuation information.

[0067] As an example, Step 308 includes: collecting multiple updated current collateral values within a preset past period; predicting the value change trend information of the target warehouse within a preset future period according to the multiple dynamic current collateral values within the preset past period; and real-time controlling the collateral outbound risk and financing risk of the target warehouse according to the value change trend information.

[0068] As an example, Step 308 includes: collecting multiple updated current collateral values within a preset past period; determining the collateral value fluctuation information of the target warehouse within the preset past period according to the multiple updated current collateral values within the preset past period; predicting the value change trend information of the target warehouse within a preset future period according to the multiple dynamic current collateral values within the preset past period; and real-time controlling the collateral outbound risk and financing risk of the target warehouse according to the value change trend information and the collateral value fluctuation information.

[0069] In this embodiment, when the filtering dimension or the attribute dimension changes, the current collateral filtering information under the filtering dimension and the current attribute information of the inventory items in the target warehouse under the attribute dimension are used to re-screen the current collateral among the inventory items in the target warehouse, that is, to trigger the re-screening of the current collateral in the target warehouse; when the filtering dimension and the attribute dimension do not change, but the inventory dimension or the price dimension changes, the historical collateral of the previous time step is directly used as the current collateral, that is, the re-screening of the current collateral in the target warehouse is not triggered; furthermore, according to the current collateral inventory information of the current collateral under the inventory dimension and the current collateral price information under the price dimension, the dynamic collateral value corresponding to the current collateral is dynamically calculated, and according to the dynamic collateral value, the current collateral value of the target warehouse is updated, achieving the purpose of dynamically adjusting the current collateral value of the target warehouse according to the changes in different external collateral value dimensions, so that the current collateral value of the target warehouse is updated, and the warehousing financial risk corresponding to the target warehouse is controlled in real time, which can ensure the real-time nature of the warehousing financial risk control.

[0070] In one embodiment, according to the dynamically updated current collateral value, the warehousing financial risk corresponding to the target warehouse is controlled in real time, including:

[0071] If an outbound request corresponding to the target warehouse is received, the outbound risk of the target warehouse is controlled in real time according to the dynamically updated current collateral value; if a financing request corresponding to the target warehouse is received, the financing risk of the target warehouse is controlled in real time according to the dynamically updated current collateral value.

[0072] Specifically, if an outbound request for the current collateral of the target warehouse is received, the outbound information corresponding to the outbound request and the latest updated current collateral value are obtained; according to the outbound information and the latest updated current collateral value, by determining whether to respond to the outbound request, the outbound risk of the target warehouse is controlled in real time; if a financing request associated with the target warehouse is received, the financing information corresponding to the financing request and the latest updated current collateral value are obtained, and according to the financing information and the latest updated current collateral value, by determining whether to respond to the financing request, the financing risk of the target warehouse is controlled in real time.

[0073] As an example, the outbound information includes the collateral outbound quantity. The above-mentioned controlling the outbound risk of the target warehouse in real time by determining whether to respond to the outbound request according to the outbound information and the latest updated current collateral value includes:

[0074] Calculate the difference between the current collateral value after the latest update and the preset collateral value threshold to obtain the value difference; determine the threshold of the outbound quantity of the current collateral according to the value difference and the current risk control determination price; if the collateral processing quantity is greater than the outbound quantity threshold, it indicates that there is an outbound risk, so the outbound request is not responded to, and the current collateral is prohibited from being outbound to control the risk of the target warehouse; if the collateral processing quantity is less than or equal to the outbound quantity threshold, it indicates that there is no outbound risk, so the outbound request is responded to, and the current collateral is allowed to be outbound to control the risk of the target warehouse.

[0075] As an example, the financing information includes the requested financing amount. The above-mentioned method for real-time controlling the financing risk of the target warehouse by determining whether to respond to the financing request according to the financing information and the current collateral value after the latest update includes:

[0076] Query the available financing amount corresponding to the target warehouse according to the current collateral value after the latest update; if the requested financing amount is greater than the available financing amount, it indicates that there is a financing risk, so the financing request is not responded to, and this financing is prohibited to control the financing risk of the target warehouse; if the requested financing amount is less than or equal to the available financing amount, it indicates that there is no financing risk, so the financing request is responded to, and this financing is allowed to control the financing risk of the target warehouse.

[0077] In one embodiment, real-time controlling the outbound risk of the target warehouse according to the current collateral value after dynamic update includes:

[0078] Determine the target collateral value corresponding to the target warehouse after the outbound is successful according to the outbound information corresponding to the outbound request and the current collateral value; select whether to respond to the outbound request according to the target collateral value and the preset collateral value threshold to real-time control the outbound risk corresponding to the target warehouse.

[0079] Specifically, calculate the target collateral value corresponding to the target warehouse after the current collateral is out of the warehouse according to the outbound quantity corresponding to the outbound request and the current collateral value after dynamic update. Since the current collateral is out of the warehouse, the inventory quantity of the current collateral in the target warehouse decreases, so the collateral value of the target warehouse will decrease; if the target collateral value is less than or equal to the preset collateral value threshold, it indicates that there is an outbound risk, so by not responding to the outbound request, the current collateral in the target warehouse is prohibited from being out of the warehouse to avoid the outbound risk of the target warehouse; if the target collateral value is greater than the preset collateral value threshold, it indicates that there is no outbound risk, so by responding to the outbound request, the current collateral in the target warehouse is allowed to be out of the warehouse to ensure the normal outbound behavior of the target warehouse, thereby realizing the real-time control of the outbound risk of the target warehouse.

[0080] In one embodiment, real-time controlling the financing risk of the target warehouse according to the current collateral value after dynamic update includes:

[0081] Determine the available financing amount corresponding to the target warehouse according to the pledge rate of the target warehouse and the current value of the collateral; according to the financing information corresponding to the financing request, the already-financed amount and the available financing amount of the target warehouse, and by selecting whether to respond to the financing request, real-time control the financing risk corresponding to the target warehouse.

[0082] Among them, the financing information includes the requested financing amount.

[0083] Specifically, obtain the pledge rate corresponding to the target warehouse, calculate the product between the pledge rate and the current value of the collateral after dynamic update, and obtain the available financing amount corresponding to the target warehouse; calculate the difference between the available financing amount and the already-financed amount corresponding to the target warehouse to obtain the remaining financing amount; if the requested financing amount corresponding to the financing request is greater than the remaining financing amount, it indicates that there is a financing risk, so by not responding to the financing request and prohibiting the financing behavior corresponding to the target warehouse, the financing risk of the target warehouse can be avoided; if the requested financing amount corresponding to the financing request is equal to or less than the remaining financing amount, it indicates that there is no financing risk, so by responding to the financing request and allowing the financing behavior corresponding to the target warehouse, the normal financing behavior corresponding to the target warehouse can be ensured, thereby realizing the real-time control of the financing risk of the target warehouse.

[0084] In this embodiment, after calculating the current value of the collateral after the latest update, if a warehouse-out request corresponding to the target warehouse is received, when it is determined that there is a warehouse-out risk according to the current value of the collateral after the latest update, the current collateral of the target warehouse can be prohibited from being out of the warehouse to avoid the warehouse-out risk, and when it is determined that there is no warehouse-out risk according to the current value of the collateral after the latest update, the current collateral of the target warehouse can be allowed to be out of the warehouse to ensure the normal warehouse-out behavior of the target warehouse; if a financing request corresponding to the target warehouse is received, when it is determined that there is a financing risk according to the current value of the collateral after the latest update, the financing behavior corresponding to the target warehouse can be prohibited to avoid the financing risk, and when it is determined that there is no financing risk according to the current value of the collateral after the latest update, the financing behavior corresponding to the target warehouse can be allowed to ensure the normal financing behavior of the target warehouse.

[0085] As Figure 3 shown, in one embodiment, according to the dimension of the target collateral value, by dynamically updating the current collateral value of the target warehouse, the warehousing financial risk corresponding to the target warehouse is real-time controlled, including:

[0086] Step 402, determine the collateral value fluctuation information corresponding to the target warehouse according to the current collateral value of the target warehouse dynamically updated each time within a preset past time period.

[0087] Among them, the past time period can be a time interval from a past time point to the current time point.

[0088] As an example, step 402 includes: collecting multiple current collateral values updated dynamically each time within a preset past time period, calculating the average value of the multiple current collateral values updated dynamically each time to obtain an average value; using the vector composed of the multiple current collateral values updated dynamically each time and the average value as the collateral value fluctuation information.

[0089] Step 404, predicting the warehousing financial risk of the target warehouse based on the value fluctuation information to obtain a risk prediction result.

[0090] Among them, in this embodiment, a multi-classification model can be pre-trained in advance. The multi-classification model can classify the value fluctuation information to obtain multiple value fluctuation classification labels. Among them, the value fluctuation classification labels can be used as risk classification labels, and different value fluctuation classification labels are used to represent different levels of warehousing financial risks. For example, the value fluctuation classification labels can be A, B, and C. A can represent a high level of warehousing financial risk, B can represent a medium level of warehousing financial risk, and C can represent a low level of warehousing financial risk.

[0091] As an example, step 404 includes: classifying the value fluctuation information according to a preset multi-classification model to obtain a value fluctuation classification label; querying the risk prediction result corresponding to the target warehouse according to the value fluctuation classification label.

[0092] Step 406, controlling the warehousing financial risk corresponding to the target warehouse in real time according to the risk prediction result.

[0093] As an example, step 306 includes: controlling the warehousing financial risk corresponding to the target warehouse in real time according to the risk control measures corresponding to the risk prediction result. For example, if the risk prediction result is a high level of warehousing financial risk, the outbound behavior and financing behavior corresponding to the target warehouse are prohibited. If the risk prediction result is a medium level of warehousing financial risk, the allowed outbound quantity of collateral and the financing quota of the target warehouse are reduced. If the risk prediction result is a low level of warehousing financial risk, the outbound behavior and financing behavior corresponding to the target warehouse are allowed.

[0094] In this embodiment, on the basis of keeping the current collateral value corresponding to the target warehouse updated dynamically, each time after the current collateral value corresponding to the target warehouse is updated dynamically, the collateral value fluctuation information corresponding to the target warehouse is determined according to the current collateral value updated dynamically each time within the preset past time period of the target warehouse. Then, using the value fluctuation information as a decision factor to predict the warehousing financial risk of the target warehouse can accurately predict the warehousing financial risk of the target warehouse based on the overall change situation of the collateral value of the target warehouse, obtain a risk prediction result, and thus control the warehousing financial risk corresponding to the target warehouse in real time according to the risk prediction result, which can improve the accuracy of the warehousing financial risk control of the target warehouse.

[0095] In one embodiment, according to the value fluctuation information, the warehousing financial risk of the target warehouse is predicted to obtain a risk prediction result, including:

[0096] According to the incoming and outgoing inventory information of the current collateral in the target warehouse and the current collateral attribute information, predict the value change trend information of the current collateral within a preset future time period; according to the value change trend information and the value fluctuation information, predict the warehousing financial risk of the target warehouse to obtain a risk prediction result.

[0097] Among them, since each collateral value dimension is constantly changing, the current collateral value of the target warehouse will also change over time. Therefore, the future change situation of the current collateral value of the target warehouse will also affect the warehousing financial risk of the target warehouse.

[0098] Specifically, obtain the incoming and outgoing inventory information of the current collateral in the target warehouse and the current collateral attribute information; construct a collateral feature vector according to the incoming and outgoing inventory information and the current collateral attribute information; input the collateral feature vector into a preset recurrent neural network to predict the value change trend information of the current collateral within a preset future time period, where the value change trend information can be a value change trend feature vector, and the value fluctuation information can be a value fluctuation feature vector; fuse the value change trend feature vector and the value fluctuation feature vector into a target feature vector; classify the target feature vector according to a preset multi-classification model to obtain a risk classification label, and use the risk classification label as the risk prediction result.

[0099] Furthermore, according to the risk control measures corresponding to the risk classification label, the warehousing financial risk corresponding to the target warehouse is controlled in real time.

[0100] In this embodiment, first, according to the incoming and outgoing inventory information of the current collateral in the target warehouse and the current collateral attribute information, predict the value change trend information of the current collateral within a preset future time period, and then according to the value change trend information and the value fluctuation information, predict the warehousing financial risk of the target warehouse to obtain a risk prediction result, realizing the prediction of the warehouse financial risk of the target warehouse by combining the future change trend information of the collateral value on the basis of the value fluctuation information. The factors for warehouse financial risk decision-making are more abundant, so the accuracy of warehouse financial risk prediction can be improved, laying a foundation for improving the accuracy of warehouse financial risk control.

[0101] As an example, the market price of the current collateral can also be monitored, and when the market price is lower than the preset price threshold, a price warning can be issued.

[0102] In one embodiment, first, it is respectively detected whether the dimension information under each collateral value dimension of the target warehouse has been updated. If the dimension information under the collateral value dimension has been updated, it is considered that the collateral value dimension has changed. If the dimension information under the collateral value dimension has not been updated, it is considered that the collateral value dimension has not changed. Among them, the dimension information can be the collateral filtering information under the filtering dimension, the attribute information under the attribute dimension, the collateral inventory information under the inventory dimension, the collateral price information under the price dimension, etc.; if the collateral value dimensions of the target warehouse have changed, the target collateral value dimension that has changed is determined among the collateral value dimensions.

[0103] After determining the target collateral value dimension that has changed, if the target collateral value dimension includes the filtering dimension or the attribute dimension, the current collateral filtering information under the filtering dimension and the current attribute information of each inventory item in the target warehouse under the attribute dimension are obtained. Among them, the current attribute information can be the name, expiration date, storage age, quality identification, etc. of the inventory item; according to the current collateral filtering information and the current attribute information of each inventory item, the current collateral of the target warehouse is re-screened from the inventory items of the target warehouse. Among them, the current collateral is the inventory item that can be used as a financing collateral in the target warehouse at the current time point; if the target collateral value dimension does not include the filtering dimension and the attribute dimension, the historical collateral of the target warehouse in the previous time step is used as the current collateral, that is, the current collateral of the target warehouse is not re-screened, so that different strategies can be adopted to determine the current collateral of the target warehouse according to the differences in the target collateral value dimension that has changed.

[0104] After determining the current collateral of the target warehouse, the current inventory quantity of the current collateral under the inventory dimension and the current risk control recognized price under the price dimension are obtained; according to the current inventory quantity and the current risk control recognized price, the dynamic collateral value corresponding to the current collateral is calculated dynamically; the current collateral value of the target warehouse is updated to the latest calculated dynamic collateral value; multiple current collateral values updated within a preset past time period are collected; according to the multiple current collateral values updated within the preset past time period, the collateral value fluctuation information of the target warehouse within the preset past time period is determined; according to the multiple current collateral values within the preset past time period, the value change trend information of the target warehouse within the preset future time period is predicted; according to the value change trend information and the collateral value fluctuation information, the collateral outbound risk and financing risk of the target warehouse are controlled in real time, so that the collateral outbound risk and financing risk of the target warehouse can be controlled from the future value change trend and the past value fluctuation, and the decision-making factors for warehousing financial risk control are more abundant, which can improve the accuracy of the collateral outbound risk and financing risk of the target warehouse.

[0105] In the above process of warehousing financial risk control, on the one hand, it can be realized that the current collateral value of the target warehouse changes dynamically with the change of the collateral value dimension of the target warehouse, which can ensure the real-time nature of the current collateral value. Thus, warehousing financial risk control can be carried out based on the current collateral value, improving the real-time nature of warehousing financial risk control. On the other hand, since the value of the collateral in the target warehouse is evaluated by the collateral value dimension, the decision-making factors of the current collateral value of the target warehouse are relatively rich and not single. Therefore, the decision-making accuracy of the current collateral value can be ensured. Thus, warehousing financial risk control can be carried out based on the current collateral value, improving the accuracy of warehousing financial risk control.

[0106] It should be understood that although the steps in the flowcharts involved in the above-described embodiments are shown in sequence according to the arrows, these steps are not necessarily executed in the order indicated by the arrows. Unless there is a clear indication in this article, the execution of these steps does not have a strict order limit, and these steps can be executed in other orders. Moreover, at least a part of the steps in the flowcharts involved in the above-described embodiments may include multiple steps or multiple stages. These steps or stages are not necessarily executed at the same moment, but can be executed at different moments. The execution order of these steps or stages is not necessarily sequential, but can be executed alternately or in turn with at least a part of other steps or steps or stages in other steps.

[0107] Based on the same inventive concept, the embodiments of the present application also provide a warehousing financial risk control device for implementing the warehousing financial risk control method involved above. The solution provided by this device to solve the problem is similar to the solution described in the above method. Therefore, the specific limitations in one or more embodiments of the warehousing financial risk control device provided below can refer to the limitations on the warehousing financial risk control method in the above text, and will not be repeated here.

[0108] In one embodiment, as Figure 4 shown, a warehousing financial risk control device is provided, including: a detection module 502, a determination module 504, and a risk control module 506, where:

[0109] The detection module is used to detect whether each collateral value dimension of the target warehouse changes, where each of the collateral value dimensions is used to evaluate the value of the collateral in the target warehouse.

[0110] The determination module is used to determine the target collateral value dimension that has changed if each collateral value dimension of the target warehouse changes.

[0111] A risk control module for real-time controlling the warehousing financial risk corresponding to the target warehouse by dynamically updating the current collateral value of the target warehouse according to the target collateral value dimension.

[0112] In one embodiment, each of the collateral value dimensions includes a filtering dimension, an attribute dimension, an inventory dimension, and a price dimension; the risk control module is further configured to:

[0113] If the target collateral value dimension includes the filtering dimension or the attribute dimension, re-screen the current collateral among the inventory items in the target warehouse according to the current collateral filtering information under the filtering dimension and the current attribute information of the inventory items in the target warehouse under the attribute dimension; if the target collateral value dimension does not include the filtering dimension and the attribute dimension, use the historical collateral of the target warehouse in the previous time step as the current collateral; dynamically update the current collateral value of the target warehouse according to the current collateral inventory information of the current collateral under the inventory dimension and the current collateral price information under the price dimension; and real-time control the warehousing financial risk corresponding to the target warehouse according to the dynamically updated current collateral value.

[0114] In one embodiment, the risk control module is further configured to:

[0115] If a warehouse-out request corresponding to the target warehouse is received, real-time control the warehouse-out risk of the target warehouse according to the dynamically updated current collateral value; if a financing request corresponding to the target warehouse is received, real-time control the financing risk of the target warehouse according to the dynamically updated current collateral value.

[0116] In one embodiment, the risk control module is further configured to:

[0117] Determine the target collateral value corresponding to the target warehouse after the warehouse-out is successful according to the warehouse-out information corresponding to the warehouse-out request and the current collateral value; and real-time control the warehouse-out risk corresponding to the target warehouse by selecting whether to respond to the warehouse-out request according to the target collateral value and a preset collateral value threshold.

[0118] In one embodiment, the risk control module is further configured to:

[0119] Determine the available financing amount corresponding to the target warehouse according to the pledge rate of the target warehouse and the current collateral value; and real-time control the financing risk corresponding to the target warehouse by selecting whether to respond to the financing request according to the financing information corresponding to the financing request, the already-financed amount of the target warehouse, and the available financing amount.

[0120] In one embodiment, the risk control module is further configured to:

[0121] Determine the collateral value fluctuation information corresponding to the target warehouse according to the current collateral value of each dynamic update of the target warehouse within a preset past time period; predict the warehousing financial risk of the target warehouse according to the value fluctuation information to obtain a risk prediction result; and control the warehousing financial risk corresponding to the target warehouse in real time according to the risk prediction result.

[0122] In one embodiment, the risk control module is further configured to:

[0123] Predict the value change trend information of the current collateral within a preset future time period according to the collateral in-out information and the current collateral attribute information of the current collateral in the target warehouse; predict the warehousing financial risk of the target warehouse according to the value change trend information and the value fluctuation information to obtain a risk prediction result.

[0124] Each module in the above warehousing financial risk control device can be implemented in whole or in part by software, hardware, and their combination. The above modules can be embedded in the processor of the computer device in the form of hardware or independent of it, or stored in the memory of the computer device in the form of software, so that the processor can call and execute the operations corresponding to the above modules.

[0125] In one embodiment, a computer device is provided. The computer device can be a server, and its internal structure diagram can be as Figure 5 shown. The computer device includes a processor, a memory, and a network interface connected through a system bus. Among them, the processor of the computer device is used to provide computing and control capabilities. The memory of the computer device includes a non-volatile storage medium and an internal memory. The non-volatile storage medium stores an operating system, a computer program, and a database. The internal memory provides an environment for the operation of the operating system and the computer program in the non-volatile storage medium. The database of the computer device is used to store warehousing financial risk data. The network interface of the computer device is used to communicate with an external terminal through a network connection. When the computer program is executed by the processor, it implements a warehousing financial risk control method.

[0126] Those skilled in the art can understand that Figure 5 the structure shown in

[0127] In one embodiment, a computer device is provided, including a memory and a processor. A computer program is stored in the memory. When the processor executes the computer program, the following steps are implemented:

[0128] Detect whether each collateral value dimension of the target warehouse has changed, where each of the collateral value dimensions is used to evaluate the value of the collateral in the target warehouse; if each collateral value dimension of the target warehouse has changed, determine the target collateral value dimension that has changed among each of the collateral value dimensions; according to the target collateral value dimension, dynamically update the current collateral value of the target warehouse, and real-time control the warehousing financial risk corresponding to the target warehouse.

[0129] In one embodiment, each of the collateral value dimensions includes a filtering dimension, an attribute dimension, an inventory dimension, and a price dimension; when the processor executes the computer program, the following steps are further implemented:

[0130] If the target collateral value dimension includes the filtering dimension or the attribute dimension, re-screen the current collateral among the inventory items in the target warehouse according to the current collateral filtering information under the filtering dimension and the current attribute information of the inventory items in the target warehouse under the attribute dimension; if the target collateral value dimension does not include the filtering dimension and the attribute dimension, use the historical collateral of the target warehouse in the previous time step as the current collateral; according to the current collateral inventory information of the current collateral under the inventory dimension and the current collateral price information under the price dimension, dynamically update the current collateral value of the target warehouse; according to the dynamically updated current collateral value, real-time control the warehousing financial risk corresponding to the target warehouse.

[0131] In one embodiment, when the processor executes the computer program, the following steps are further implemented:

[0132] If an outbound request corresponding to the target warehouse is received, real-time control the outbound risk of the target warehouse according to the dynamically updated current collateral value; if a financing request corresponding to the target warehouse is received, real-time control the financing risk of the target warehouse according to the dynamically updated current collateral value.

[0133] In one embodiment, when the processor executes the computer program, the following steps are further implemented:

[0134] According to the outbound information corresponding to the outbound request and the current collateral value, determine the target collateral value corresponding to the target warehouse after the outbound is successful; according to the target collateral value and the preset collateral value threshold, real-time control the outbound risk corresponding to the target warehouse by selecting whether to respond to the outbound request.

[0135] In one embodiment, when the processor executes the computer program, the following steps are further implemented:

[0136] Determine the available financing amount corresponding to the target warehouse according to the pledge rate of the target warehouse and the current value of the collateral; according to the financing information corresponding to the financing request, the already-financed amount of the target warehouse, and the available financing amount, control the financing risk corresponding to the target warehouse in real time by selecting whether to respond to the financing request.

[0137] In one embodiment, when the processor executes the computer program, the following steps are further implemented:

[0138] Determine the collateral value fluctuation information corresponding to the target warehouse according to the current collateral value dynamically updated each time within a preset past time period for the target warehouse; predict the warehousing financial risk of the target warehouse according to the value fluctuation information to obtain a risk prediction result; control the warehousing financial risk corresponding to the target warehouse in real time according to the risk prediction result.

[0139] In one embodiment, when the processor executes the computer program, the following steps are further implemented:

[0140] Predict the value change trend information of the current collateral within a preset future time period according to the collateral in-and-out information and the current collateral attribute information of the current collateral in the target warehouse; predict the warehousing financial risk of the target warehouse according to the value change trend information and the value fluctuation information to obtain a risk prediction result.

[0141] In one embodiment, a computer-readable storage medium is provided, on which a computer program is stored. When the computer program is executed by a processor, the following steps are implemented:

[0142] Detect whether each collateral value dimension of the target warehouse has changed, where each collateral value dimension is used to evaluate the value of the collateral in the target warehouse; if each collateral value dimension of the target warehouse has changed, determine the target collateral value dimension that has changed among each collateral value dimension; control the warehousing financial risk corresponding to the target warehouse in real time by dynamically updating the current collateral value of the target warehouse according to the target collateral value dimension.

[0143] In one embodiment, each collateral value dimension includes a filtering dimension, an attribute dimension, an inventory dimension, and a price dimension; when the computer program is executed by a processor, the following steps are further implemented:

[0144] If the target collateral value dimension includes the filtering dimension or the attribute dimension, then based on the current collateral filtering information under the filtering dimension and the current attribute information of the inventory items in the target warehouse under the attribute dimension, re-screen the current collateral among the inventory items in the target warehouse; if the target collateral value dimension does not include the filtering dimension and the attribute dimension, then use the historical collateral of the target warehouse in the previous time step as the current collateral; based on the current collateral inventory information of the current collateral under the inventory dimension and the current collateral price information under the price dimension, dynamically update the current collateral value of the target warehouse; based on the dynamically updated current collateral value, real-time control the warehousing financial risks corresponding to the target warehouse.

[0145] In one embodiment, when the computer program is executed by a processor, the following steps are further implemented:

[0146] If a warehousing-out request corresponding to the target warehouse is received, then based on the dynamically updated current collateral value, real-time control the warehousing-out risk of the target warehouse; if a financing request corresponding to the target warehouse is received, then based on the dynamically updated current collateral value, real-time control the financing risk of the target warehouse.

[0147] In one embodiment, when the computer program is executed by a processor, the following steps are further implemented:

[0148] Based on the warehousing-out information corresponding to the warehousing-out request and the current collateral value, determine the target collateral value corresponding to the target warehouse after successful warehousing-out; based on the target collateral value and a preset collateral value threshold, by selecting whether to respond to the warehousing-out request, real-time control the warehousing-out risk corresponding to the target warehouse.

[0149] In one embodiment, when the computer program is executed by a processor, the following steps are further implemented:

[0150] Based on the pledge rate of the target warehouse and the current collateral value, determine the available financing amount corresponding to the target warehouse; based on the financing information corresponding to the financing request, the already-financed amount of the target warehouse, and the available financing amount, by selecting whether to respond to the financing request, real-time control the financing risk corresponding to the target warehouse.

[0151] In one embodiment, when the computer program is executed by a processor, the following steps are further implemented:

[0152] Based on the current collateral value dynamically updated each time for the target warehouse within a preset past time period, determine the collateral value fluctuation information corresponding to the target warehouse; based on the value fluctuation information, predict the warehousing financial risks of the target warehouse to obtain a risk prediction result; based on the risk prediction result, real-time control the warehousing financial risks corresponding to the target warehouse.

[0153] In one embodiment, when the computer program is executed by a processor, the following steps are further implemented:

[0154] According to the information on the inbound and outbound of the collateral and the current collateral attribute information in the target warehouse, predict the information on the change trend of the value of the current collateral within a preset future time period; according to the information on the change trend of the value and the information on the value fluctuation, predict the warehousing financial risk of the target warehouse to obtain a risk prediction result.

[0155] In one embodiment, a computer program product is provided, including a computer program which, when executed by a processor, implements the following steps:

[0156] Detect whether each collateral value dimension of the target warehouse has changed, where each collateral value dimension is used to evaluate the value of the collateral in the target warehouse; if each collateral value dimension of the target warehouse has changed, determine the target collateral value dimension that has changed among each collateral value dimension; according to the target collateral value dimension, dynamically update the current collateral value of the target warehouse to real-time control the warehousing financial risk corresponding to the target warehouse.

[0157] In one embodiment, each collateral value dimension includes a filtering dimension, an attribute dimension, an inventory dimension, and a price dimension; when the computer program is executed by a processor, the following steps are further implemented:

[0158] If the target collateral value dimension includes the filtering dimension or the attribute dimension, re-screen the current collateral among the inventory items in the target warehouse according to the current collateral filtering information under the filtering dimension and the current attribute information of the inventory items in the target warehouse under the attribute dimension; if the target collateral value dimension does not include the filtering dimension and the attribute dimension, use the historical collateral of the target warehouse in the previous time step as the current collateral; according to the current collateral inventory information of the current collateral under the inventory dimension and the current collateral price information under the price dimension, dynamically update the current collateral value of the target warehouse; according to the dynamically updated current collateral value, real-time control the warehousing financial risk corresponding to the target warehouse.

[0159] In one embodiment, when the computer program is executed by a processor, the following steps are further implemented:

[0160] If a request for outbound from the target warehouse is received, real-time control the outbound risk of the target warehouse according to the dynamically updated current collateral value; if a financing request for the target warehouse is received, real-time control the financing risk of the target warehouse according to the dynamically updated current collateral value.

[0161] In one embodiment, when the computer program is executed by a processor, the following steps are further implemented:

[0162] According to the outbound information corresponding to the outbound request and the current collateral value, determine the target collateral value corresponding to the target warehouse after the outbound is successful; according to the target collateral value and the preset collateral value threshold, control the outbound risk corresponding to the target warehouse in real time by selecting whether to respond to the outbound request.

[0163] In one embodiment, when the computer program is executed by a processor, the following steps are further implemented:

[0164] According to the pledge rate of the target warehouse and the current collateral value, determine the available financing amount corresponding to the target warehouse; according to the financing information corresponding to the financing request, the already-financed amount of the target warehouse, and the available financing amount, control the financing risk corresponding to the target warehouse in real time by selecting whether to respond to the financing request.

[0165] In one embodiment, when the computer program is executed by a processor, the following steps are further implemented:

[0166] According to the current collateral value that is dynamically updated each time within a preset past time period for the target warehouse, determine the collateral value fluctuation information corresponding to the target warehouse; according to the value fluctuation information, predict the warehousing financial risk of the target warehouse to obtain a risk prediction result; according to the risk prediction result, control the warehousing financial risk corresponding to the target warehouse in real time.

[0167] In one embodiment, when the computer program is executed by a processor, the following steps are further implemented:

[0168] According to the collateral inbound / outbound information and the current collateral attribute information of the current collateral in the target warehouse, predict the value change trend information of the current collateral within a preset future time period; according to the value change trend information and the value fluctuation information, predict the warehousing financial risk of the target warehouse to obtain a risk prediction result.

[0169] Those of ordinary skill in the art can understand that all or part of the processes in the methods of the above embodiments can be completed by instructing relevant hardware through a computer program. The computer program can be stored in a non-volatile computer-readable storage medium. When the computer program is executed, it can include the processes of the embodiments of the above methods. Among them, any reference to a memory, database, or other medium used in the embodiments provided in the present application can include at least one of non-volatile and volatile memories. Non-volatile memories can include read-only memory (ROM), magnetic tapes, floppy disks, flash memories, optical memories, high-density embedded non-volatile memories, resistive random access memories (ReRAM), magnetoresistive random access memories (MRAM), ferroelectric random access memories (FRAM), phase change memories (PCM), graphene memories, etc. Volatile memories can include random access memory (RAM) or external cache memories, etc. By way of illustration and not limitation, RAM can be in various forms, such as static random access memory (SRAM) or dynamic random access memory (DRAM), etc. The databases involved in the embodiments provided in the present application can include at least one of relational databases and non-relational databases. Non-relational databases can include distributed databases based on blockchain, etc., without limitation. The processors involved in the embodiments provided in the present application can be general-purpose processors, central processing units, graphics processing units, digital signal processors, programmable logic devices, data processing logics based on quantum computing, etc., without limitation.

[0170] The technical features of the above embodiments can be combined arbitrarily. For the sake of brevity of description, not all possible combinations of the technical features in the above embodiments are described. However, as long as there is no contradiction in the combination of these technical features, it should be considered as the scope described in this specification.

[0171] The above-described embodiments merely represent several implementation manners of the present application. The description thereof is relatively specific and detailed, but it should not be construed as a limitation on the patent scope of the present application. It should be noted that for those of ordinary skill in the art, without departing from the concept of the present application, several modifications and improvements can still be made, and these all belong to the protection scope of the present application. Therefore, the protection scope of the present application should be subject to the appended claims.

Claims

1. A method for controlling and managing risks in warehousing finance, characterized in that, The method includes: Detecting whether each collateral value dimension of the target warehouse has changed, where each of the collateral value dimensions is used to evaluate the value of the collateral in the target warehouse; If each collateral value dimension of the target warehouse has changed, determining the target collateral value dimension that has changed among each of the collateral value dimensions; According to the target collateral value dimension, by dynamically updating the current collateral value of the target warehouse, the warehousing financial risks corresponding to the target warehouse are controlled in real time.

2. The method according to claim 1, characterized in that, Each of the collateral value dimensions includes a filtering dimension, an attribute dimension, an inventory dimension, and a price dimension; the controlling the warehousing financial risks corresponding to the target warehouse in real time by dynamically updating the current collateral value of the target warehouse according to the target collateral value dimension includes: If the target collateral value dimension includes the filtering dimension or the attribute dimension, re-screening the current collateral among the inventory items in the target warehouse according to the current collateral filtering information under the filtering dimension and the current attribute information of the inventory items in the target warehouse under the attribute dimension; If the target collateral value dimension does not include the filtering dimension and the attribute dimension, using the historical collateral of the target warehouse in the previous time step as the current collateral; Dynamically updating the current collateral value of the target warehouse according to the current collateral inventory information of the current collateral under the inventory dimension and the current collateral price information under the price dimension; Controlling the warehousing financial risks corresponding to the target warehouse in real time according to the dynamically updated current collateral value.

3. The method according to claim 2, characterized in that, The controlling the warehousing financial risks corresponding to the target warehouse in real time according to the dynamically updated current collateral value includes: If a warehouse-out request corresponding to the target warehouse is received, controlling the warehouse-out risk of the target warehouse in real time according to the dynamically updated current collateral value; If a financing request corresponding to the target warehouse is received, controlling the financing risk of the target warehouse in real time according to the dynamically updated current collateral value.

4. The method according to claim 3, characterized in that, The controlling the warehouse-out risk of the target warehouse in real time according to the dynamically updated current collateral value includes: Determining the target collateral value corresponding to the target warehouse after successful warehouse-out according to the warehouse-out information corresponding to the warehouse-out request and the current collateral value; Controlling the warehouse-out risk of the target warehouse in real time by selecting whether to respond to the warehouse-out request according to the target collateral value and a preset collateral value threshold.

5. The method according to claim 3, characterized in that, The controlling the financing risk of the target warehouse in real time according to the dynamically updated current collateral value includes: Determining the available financing amount corresponding to the target warehouse according to the pledge rate of the target warehouse and the current collateral value; Controlling the financing risk of the target warehouse in real time by selecting whether to respond to the financing request according to the financing information corresponding to the financing request, the already-financed amount of the target warehouse, and the available financing amount.

6. The method according to claim 1, characterized in that, The controlling the warehousing financial risks corresponding to the target warehouse in real time by dynamically updating the current collateral value of the target warehouse according to the target collateral value dimension includes: Determine the collateral value fluctuation information corresponding to the target warehouse according to the current collateral value of each dynamic update within a preset past time period for the target warehouse; Predict the warehousing financial risk of the target warehouse based on the value fluctuation information to obtain a risk prediction result; Real-time control the warehousing financial risk corresponding to the target warehouse according to the risk prediction result.

7. The method according to claim 6, characterized in that, The predicting the warehousing financial risk of the target warehouse based on the value fluctuation information to obtain a risk prediction result includes: Predict the value change trend information of the current collateral within a preset future time period according to the collateral inbound / outbound information and the current collateral attribute information of the current collateral in the target warehouse; Predict the warehousing financial risk of the target warehouse based on the value change trend information and the value fluctuation information to obtain a risk prediction result.

8. A device for controlling and managing risks in warehousing finance, characterized in that, The device includes: A detection module, configured to detect whether each collateral value dimension of the target warehouse has changed, where each of the collateral value dimensions is used to evaluate the value of the collateral in the target warehouse; A determination module, configured to determine the target collateral value dimension that has changed if each collateral value dimension of the target warehouse has changed; A risk control module, configured to real-time control the warehousing financial risk corresponding to the target warehouse by dynamically updating the current collateral value of the target warehouse according to the target collateral value dimension.

9. A computer device, comprising a memory and a processor, the memory storing a computer program, characterized in that, When the processor executes the computer program, the steps of 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 the processor, the steps of the method according to any one of claims 1 to 7 are implemented.

11. A computer program product comprising a computer program, characterized in that, When the computer program is executed by the processor, the steps of the method according to any one of claims 1 to 7 are implemented.

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