Online evaluation method and device applied to product

Abstract

The embodiment of the invention provides an online evaluation method and device applied to a product. The method comprises the steps of obtaining a to-be-admitted product; for the to-be-admitted product, determining a plurality of first indexes of the to-be-admitted product under the inherent risk assessment dimension and a plurality of second indexes of the to-be-admitted product under the control measure effectiveness dimension; determining a first evaluation result according to the plurality of first indexes and the corresponding first risk attribute information, and determining a second evaluation result according to the plurality of second indexes and the corresponding second risk attribute information; determining a target risk level of the to-be-accessed product according to the first assessment result, the second assessment result and a predetermined risk assessment table; and determining an online evaluation result of the to-be-admitted product according to the target risk level. According to the technical scheme of the embodiment of the invention, the online evaluation result of the to-be-admitted product is obtained according to the inherent risk evaluation dimension and the control measure effectiveness dimension, whether the product has non-compliant transactions or not is evaluated more comprehensively, and the supervision efficiency and accuracy are improved.

Description

Technical Field

[0001] The embodiments of the present disclosure relate to the field of data analysis technology, and in particular to a method and device for online evaluation of a product. Background Art

[0002] As the economy continues to develop, financial product non-compliance methods are also escalating. It has become more difficult for companies to identify and prevent non-compliant behavior, leading to increasingly complex risk assessment challenges during product launches.

[0003] Current product evaluation methods rely heavily on manual labor, offline assessments, and empirical judgment. When creating a new product, these evaluations are performed manually through completed forms. These forms are then passed through multiple approval processes, such as fax and email. This results in inefficiencies and low evaluation accuracy. Summary of the Invention

[0004] The embodiments of the present disclosure provide a method and device for online evaluation of products, so as to obtain online evaluation results of products to be approved based on the inherent risk assessment dimension and the control measure effectiveness dimension, so as to achieve a more comprehensive assessment of whether there are non-compliant transactions in the products and improve the efficiency and accuracy of supervision.

[0005] In a first aspect, an embodiment of the present disclosure provides an online evaluation method for a product, the method comprising:

[0006] Obtain at least one product to be approved;

[0007] For the at least one product to be approved, determining a plurality of first indicators under the inherent risk assessment dimension of the product to be approved, and a plurality of second indicators under the control measure effectiveness dimension;

[0008] Determining a first assessment result based on the plurality of first indicators and the corresponding first risk attribute information, and determining a second assessment result based on the plurality of second indicators and the corresponding second risk attribute information;

[0009] Determining a target risk level for the product to be approved based on the first assessment result, the second assessment result, and a predetermined risk assessment table;

[0010] Determine the online assessment result of the product to be approved based on the target risk level.

[0011] In a second aspect, an embodiment of the present invention further provides an online evaluation device for a product, the device comprising:

[0012] A module for obtaining products to be approved, used to obtain at least one product to be approved;

[0013] an indicator determination module, configured to determine, for the at least one product to be approved, a plurality of first indicators under the inherent risk assessment dimension of the product to be approved, and a plurality of second indicators under the control measure effectiveness dimension;

[0014] an assessment result determination module, configured to determine a first assessment result based on the plurality of first indicators and the corresponding first risk attribute information, and to determine a second assessment result based on the plurality of second indicators and the corresponding second risk attribute information;

[0015] a target risk level determination module, configured to determine a target risk level of the product to be approved based on the first assessment result, the second assessment result, and a predetermined risk assessment table;

[0016] The online assessment result determination module is used to determine the online assessment result of the product to be approved according to the target risk level.

[0017] In a third aspect, an embodiment of the present invention further provides an electronic device, comprising:

[0018] one or more processors;

[0019] a storage device for storing one or more programs,

[0020] When the one or more programs are executed by the one or more processors, the one or more processors implement the online evaluation method applied to a product as described in any one of the embodiments of the present invention.

[0021] In a fourth aspect, an embodiment of the present invention further provides a storage medium comprising computer-executable instructions, which, when executed by a computer processor, are used to execute the online evaluation method applied to a product as described in any one of the embodiments of the present invention.

[0022] In a fifth aspect, an embodiment of the present invention further provides a computer program product, comprising a computer program, which, when executed by a processor, implements the online evaluation method applied to a product as described in any one of the embodiments of the present invention.

[0023] The technical solution of the disclosed embodiments, after obtaining at least one product to be approved, determines, for the product to be approved, multiple first indicators under the inherent risk assessment dimension and multiple second indicators under the control measure effectiveness dimension. A first assessment result is then determined based on the multiple first indicators and the first risk attribute information corresponding to the first indicators, and a second assessment result is determined based on the multiple second indicators and the second risk attribute information corresponding to the second indicators. Furthermore, a target risk level for the product to be approved is determined based on the first and second assessment results and a predetermined risk assessment table. Finally, based on the target risk level, an online assessment result for the product to be approved is determined. This addresses the issues of low efficiency and low accuracy in online product assessments based on manual operations, offline assessments, and empirical judgment in the prior art. The disclosed embodiments achieve flexible adjustment and adaptation to the risk assessment needs of different product types based on the inherent risk assessment dimension and the control measure effectiveness dimension, thereby obtaining an online assessment result for the product to be approved, more comprehensively assessing whether the product has engaged in non-compliant transactions, and thus improving regulatory efficiency and accuracy. BRIEF DESCRIPTION OF THE DRAWINGS

[0024] To more clearly illustrate the technical solutions of the exemplary embodiments of the present invention, the following briefly introduces the drawings required for describing the embodiments. Obviously, the drawings introduced here only illustrate some of the embodiments to be described by the present invention, and are not exhaustive. A person skilled in the art can derive other drawings based on these drawings without inventive effort.

[0025] Figure 1 This is a flowchart of an online evaluation method for a product provided by an embodiment of the present disclosure;

[0026] Figure 2 This is a flowchart of an online evaluation method for a product provided by an embodiment of the present disclosure;

[0027] Figure 3 is a hierarchical diagram of evaluation indicators provided by an embodiment of the present disclosure;

[0028] Figure 4 is a schematic diagram of the evaluation indicators corresponding to the inherent risk evaluation dimensions provided by the embodiment of the present disclosure;

[0029] Figure 5 is a schematic diagram of product evaluation index data records provided by an embodiment of the present disclosure;

[0030] Figure 6 is a schematic diagram of evaluation indicators corresponding to the effectiveness dimension of control measures provided in an embodiment of the present disclosure;

[0031] Figure 7 is a schematic diagram of risk attribute information corresponding to the evaluation indicators provided in the embodiment of the present disclosure;

[0032] Figure 8 It is a schematic diagram of the risk attribute information corresponding to the three-level indicators provided in the embodiment of the present disclosure;

[0033] Figure 9 This is a flowchart of an online evaluation method for a product provided by an embodiment of the present disclosure;

[0034] Figure 10 This is a flowchart of an online evaluation method for a product provided by an embodiment of the present disclosure;

[0035] Figure 11 is a schematic diagram of a risk assessment table provided in an embodiment of the present disclosure;

[0036] Figure 12 is an interactive diagram of a product evaluation provided by an embodiment of the present disclosure;

[0037] Figure 13 It is a schematic diagram of re-determining the online evaluation results of products to be approved provided by an embodiment of the present disclosure;

[0038] Figure 14 This is a schematic structural diagram of an online product evaluation device provided by an embodiment of the present disclosure;

[0039] Figure 15 It is a structural diagram of an electronic device provided by an embodiment of the present disclosure. DETAILED DESCRIPTION

[0040] The present invention will be further described in detail below with reference to the accompanying drawings and examples. It will be understood that the specific embodiments described herein are intended only to illustrate the present invention and are not intended to limit the present invention. It should also be noted that, for ease of description, the accompanying drawings only illustrate portions relevant to the present invention, not all structures.

[0041] Before introducing the technical solutions provided by the embodiments of the present disclosure, an example description of the application scenarios can be given first. The technical solutions provided by the embodiments of the present disclosure can be applied in scenarios where the products to be approved are evaluated to obtain online evaluation results. For example, among the products launched by banks, it is necessary to determine the risk level of the products to be approved, and then determine whether the products to be approved can be put online. Based on the technical solutions of the embodiments of the present disclosure, it is achieved that the online evaluation results of the products to be approved are obtained based on the inherent risk assessment dimension and the control measure effectiveness dimension, and a more comprehensive assessment is made as to whether the products have non-compliant transactions, thereby achieving the effect of improving supervision efficiency and accuracy.

[0042] Example 1

[0043] Figure 1 It is a flow chart of the online evaluation method applied to products provided by the embodiment of the present disclosure. The embodiment of the present disclosure is applicable to the situation where the product to be approved is evaluated to obtain the online evaluation result. The method can be executed by an online evaluation device applied to the product. The device can be implemented in the form of software and / or hardware. The hardware can be a mobile electronic device, and the electronic device can execute the online evaluation method applied to the product provided by this technical solution.

[0044] like Figure 1 As shown, the method includes:

[0045] S110. Obtain at least one product to be approved.

[0046] Among them, "pending approval products" refer to products that have not yet officially launched or entered the market and must undergo a series of evaluation and approval processes to confirm that they meet risk control standards before they can be officially put into operation. For example, in the financial product sector, pending approval products typically refer to financial products that have been designed and developed by product managers or R&D teams and are in the "pre-launch" stage of the product lifecycle. Pending approval products have completed preliminary design and development but have not yet undergone final launch review, compliance audits, and risk control assessments. Pending approval products can only be launched after confirmation that they meet compliance requirements.

[0047] Specifically, obtain multiple products that are awaiting approval in the "pre-launch" stage.

[0048] For example, five products, namely, Product A, Product B, Product C, Product D, and Product E, have been developed and need to be confirmed whether they meet the risk control standards.

[0049] S120. For at least one product to be approved, determine a plurality of first indicators of the product to be approved under the inherent risk assessment dimension and a plurality of second indicators under the control measure effectiveness dimension.

[0050] Among them, the inherent risk assessment dimension refers to the different aspects or categories of risk factors considered when assessing the inherent risks of products to be approved. The inherent risk assessment dimension reflects the potential risks that may exist in the nature and design of the products to be approved. It does not rely on control measures or the external environment, but is the risk brought about by the characteristics of the product itself. The first indicator refers to the core and basic indicator used to measure and reflect a certain risk assessment dimension under the inherent risk assessment dimension. The first indicator is usually a specific quantitative or qualitative parameter used to quickly and intuitively judge the risk level under the inherent risk assessment dimension. The two concepts of inherent risk assessment dimension and first indicator together help the risk management team to systematically and quantitatively assess the potential risk level of products to be approved, providing a scientific basis for decision-making.

[0051] It should be noted that the control measures effectiveness dimension refers to the different aspects of the effectiveness and efficiency of various control measures in reducing and managing inherent risks when evaluating the risk management of products to be approved. The control measures effectiveness dimension is mainly used to evaluate whether existing control measures can effectively reduce potential risks and ensure the compliance and safety of products to be approved. The second indicator refers to the indicator used to specifically measure and reflect the effectiveness of the implementation of control measures in the evaluation of the control measures effectiveness dimension. The second indicator usually provides more detailed or specific evaluation data to help understand the actual effect of the control measures. The two concepts of the control measures effectiveness dimension and the second indicator together constitute a comprehensive evaluation framework for risk control of products to be approved, ensuring that products to be approved have sufficient risk management capabilities before going online.

[0052] Specifically, for all products under review, multiple primary indicators are identified within the inherent risk assessment dimension. These indicators assess different aspects or categories of inherent risk within each product, systematically analyzing and identifying potential risks. This inherent risk assessment dimension helps comprehensively understand the risk profile of all products under review, ensuring that risk control measures are highly targeted. These primary indicators represent the most basic and critical indicators within a particular risk dimension. As the foundational data or indicators for assessment, primary indicators are typically highly sensitive and representative. By analyzing these primary indicators, the severity of the risk or whether it has reached a warning level can be quickly determined. For each product under review, multiple secondary indicators are identified within the control measure effectiveness dimension, focusing on the effectiveness of the means and mechanisms used to manage and control risks. Different types of control measures are evaluated to determine whether they effectively mitigate risk in practice. These secondary indicators are specific quantitative or qualitative parameters within the control measure effectiveness dimension, and typically complement the primary indicators. These secondary indicators can provide deeper insights and help assess whether risk control measures are truly effective.

[0053] S130. Determine a first assessment result based on a plurality of first indicators and corresponding first risk attribute information, and determine a second assessment result based on a plurality of second indicators and corresponding second risk attribute information.

[0054] Among them, the first risk attribute information refers to the risk characteristics and parameters related to the first indicator, and these first risk attribute information are used to describe and quantify the first indicator. The first risk attribute information usually includes quantitative data or qualitative descriptions related to the first indicator, making the analysis of the first indicator more comprehensive and accurate. The first assessment result is a comprehensive assessment result based on all the first indicators and the first risk attribute information related to each first indicator. The second risk attribute information refers to the risk characteristics and parameters related to the second indicator, and these second risk attribute information are used to describe and quantify the second indicator. The second risk attribute information usually includes quantitative data or qualitative descriptions related to the second indicator, making the analysis of the second indicator more comprehensive and accurate. The second assessment result is a comprehensive assessment result based on all the second indicators and the second risk attribute information related to each second indicator.

[0055] Optionally, all indicators associated with the inherent risk assessment dimension and the control measure effectiveness dimension, as well as the first risk attribute information and second risk attribute information of all indicators, are dynamically changing, and the dynamic change factors are related to the provided normative documents.

[0056] It should be noted that the first indicator, the first risk attribute information corresponding to the first indicator, the second indicator, and the second risk attribute information corresponding to the second indicator will change over time and in response to changes in the environment. These changes are closely related to the regulatory documents provided, such as policy documents, industry standards, and operating procedures. The dynamic changes in these indicators and attribute information facilitate the establishment of a dynamic monitoring and adjustment mechanism to ensure the timeliness and accuracy of risk assessments.

[0057] Specifically, after determining multiple first indicators under the inherent risk assessment dimension and multiple second indicators under the control measure effectiveness dimension for the product to be approved, first risk attribute information corresponding to all first indicators and second risk attribute information corresponding to all second indicators are collected. The first risk attribute information corresponding to the multiple first indicators is analyzed to obtain a first assessment result. The second risk attribute information corresponding to the multiple second indicators is analyzed to obtain a second assessment result.

[0058] S140. Determine the target risk level of the product to be approved based on the first assessment result, the second assessment result, and a predetermined risk assessment table.

[0059] The risk assessment form serves as a tool or framework for systematically evaluating and documenting the risk level of products seeking approval. This pre-developed risk assessment form should include criteria for categorizing different risk levels. Each risk level should correspond to the range of primary and secondary assessment results. The risk assessment form provides a standard and basis for categorizing risk levels, making the assessment process more systematic and transparent.

[0060] It should be noted that the first and second assessment results are comprehensively analyzed to determine their position in the preset risk assessment table. Based on the first and second assessment results of the product to be approved, the risk level determined by consulting the risk assessment table is the target risk level. If both the first and second assessment results are within a specific range, the target risk level of the product to be approved can be inferred. For example, if the first assessment result is "low risk" and the second assessment result is "low risk", the target risk level may be determined as "low risk level".

[0061] Specifically, after obtaining the first assessment result and the second assessment result of the product to be approved, the target risk level of the product to be approved can be determined based on a pre-established risk assessment table containing different risk levels.

[0062] S150. Determine the online assessment results of the product to be approved based on the target risk level.

[0063] Among them, the online assessment result is based on the target risk level to determine whether the product to be approved can be put online.

[0064] Optionally, when the target risk level reaches the preset level requirement, the status of the product to be admitted will be marked as ready to go online; the ready to go online status will be used as the online assessment result.

[0065] It's important to note that the preset risk level requirements are pre-set thresholds used to determine whether a product's target risk level meets the thresholds required for product launch. "Ready to Launch" status indicates that a product has been assessed to meet the preset risk level requirements and is therefore eligible for launch. A product in this ready-to-launch status has been assessed as facing acceptable risks.

[0066] In this embodiment, when the online evaluation result of the product to be approved is in an online state and has been uploaded, the evaluation validity period of the product to be approved is obtained; based on the evaluation validity period, the target evaluation date of the product to be approved is determined, and the online evaluation result of the product to be approved is re-determined based on the target evaluation date.

[0067] Optionally, the validity period of the assessment is determined based on the target risk level corresponding to the online assessment result.

[0068] It should be noted that uploading products to be approved means transferring the relevant information of the products to be approved to a designated server or database through a management system or related business platform for internal review and management. The validity period of the evaluation refers to how long the online evaluation results of the products to be approved are considered valid. Based on the target risk level, after determining the evaluation validity period and the next evaluation date of the products to be approved, you can call a scheduled task program every day after the product goes online to scan the products to be approved in the storage medium. When a certain time is left before the next evaluation date, the evaluator will be reminded to re-determine the online evaluation results of the products to be approved. If no re-evaluation is initiated by the next evaluation date, the management department within the organization will be notified and an early warning will be issued.

[0069] It should also be noted that the next evaluation date is the date obtained by adding the evaluation validity period to the current evaluation date. The evaluator can be reminded to re-confirm the online evaluation results of the product to be approved one month before the next evaluation date.

[0070] Specifically, after determining the target risk level of the product to be approved based on the first assessment result and the second assessment result, the target risk level is compared with the preset requirements to determine the online assessment result of whether the product to be approved can be put online.

[0071] The technical solution of the disclosed embodiments, after obtaining at least one product to be approved, determines, for the product to be approved, multiple first indicators under the inherent risk assessment dimension and multiple second indicators under the control measure effectiveness dimension. A first assessment result is then determined based on the multiple first indicators and the first risk attribute information corresponding to the first indicators, and a second assessment result is determined based on the multiple second indicators and the second risk attribute information corresponding to the second indicators. Furthermore, a target risk level for the product to be approved is determined based on the first and second assessment results and a predetermined risk assessment table. Finally, based on the target risk level, an online assessment result for the product to be approved is determined. This addresses the issues of low efficiency and low accuracy in online product assessments based on manual operations, offline assessments, and empirical judgment in the prior art. The disclosed embodiments achieve flexible adjustment and adaptation to the risk assessment needs of different product types based on the inherent risk assessment dimension and the control measure effectiveness dimension, thereby obtaining an online assessment result for the product to be approved, more comprehensively assessing whether the product has engaged in non-compliant transactions, and thus improving regulatory efficiency and accuracy.

[0072] Example 2

[0073] Figure 2This is a flowchart of a product launch assessment method provided in an embodiment of the present invention. Based on the previous embodiment, this method further details the determination of multiple first indicators under the inherent risk assessment dimension and multiple second indicators under the control measure effectiveness dimension for products to be approved. For specific implementations, please refer to the technical solution of this embodiment. Technical terms that are identical or corresponding to those in the previous embodiment are not repeated here.

[0074] like Figure 2 As shown, the method specifically includes the following steps:

[0075] S210. Obtain at least one product to be admitted.

[0076] S220. Display multiple first-level indicators associated with the inherent risk assessment dimension.

[0077] Level 1 indicators are the most fundamental risk assessment criteria within the inherent risk assessment dimension, used to measure the initial state and characteristics of specific risks. Level 1 indicators can be risk factors defined by regulatory requirements.

[0078] For details, see Figure 3 , under the inherent risk assessment dimension, the associated first-level indicators are displayed.

[0079] For example, see Figure 4 ,Under the inherent risk assessment dimension, the multiple associated first-level indicators displayed can be customer groups or business channels, etc.

[0080] S230: Based on the triggering operation of the multiple first-level indicators, multiple second-level indicators are displayed.

[0081] Among them, multiple secondary indicators are indicators associated with the triggered primary indicators.

[0082] For details, see Figure 3 After triggering multiple primary indicators, multiple secondary indicators associated with the primary indicators are displayed. Secondary indicators are subdivided risk items of primary indicators and are used to identify the indicator scoring type. Different scoring rules apply to different types of secondary indicators.

[0083] For example, see Figure 4 After triggering multiple primary indicators, multiple secondary indicators associated with the primary indicators are displayed. When the primary indicator is a customer group, the multiple secondary indicators associated with the primary indicator can be customer range and target group.

[0084] S240: In response to triggering operations on multiple secondary indicators, present multiple tertiary indicators, and determine the first indicator based on the triggering operations on the tertiary indicators.

[0085] Among them, the third-level indicators are indicators associated with the triggered second-level indicators, and the third-level indicators are related to the scope of application information of the product to be approved. The multiple third indicators triggered are multiple first indicators under the inherent risk assessment dimension of the product to be approved.

[0086] For details, see Figure 3 After triggering multiple secondary indicators, multiple tertiary indicators associated with the triggered secondary indicators can be presented. The tertiary indicators are specific scoring items under the secondary indicators. Figure 5 Based on the triggering operation of the third-level indicators, multiple first indicators can be determined, and the first assessment result can be determined according to the first indicators and the corresponding first risk attribute information.

[0087] Exemplary, participating Figure 4 After triggering multiple secondary indicators, multiple tertiary indicators associated with the triggered secondary indicators can be presented. When the secondary indicator is group-oriented, the multiple tertiary indicators associated with the secondary indicator can be corporate customers and individual customers. Figure 3 and Figure 5 Each first indicator can correspond to different options, namely, first risk attribute information. For example, for the first indicator of customer scope, the corresponding options may be A: products / businesses that can be sold to overseas customers, and B: products / businesses that can only be sold to overseas customers.

[0088] S250, multiple first-level indicators of the effectiveness dimension of display and control measures.

[0089] Among them, the multiple first-level indicators here are the most basic control measure evaluation criteria in the control measure effectiveness dimension, which are used to measure the initial status and characteristics of control measures.

[0090] For details, see Figure 3 , under the dimension of effectiveness of control measures, the associated first-level indicators are displayed.

[0091] For example, see Figure 6 ,Under the dimension of effectiveness of control measures, the display of multiple associated ,first-level indicators can be a means of identifying the customer identity during ,establishing business relationships and subsequent use.

[0092] S260: Based on the primary indicator, determine at least one secondary indicator and a plurality of tertiary indicators associated with the secondary indicator, and use the determined tertiary indicator as the second indicator.

[0093] For details, see Figure 3 After the triggering operation on at least one secondary indicator, a plurality of tertiary indicators associated with the triggered secondary indicator may be presented. Based on the triggering operation on the tertiary indicator, the second indicator is determined.

[0094] It should be noted that, see Figure 7 The evaluation indicators designed by the present invention mainly include the following fields: evaluation indicator code, evaluation indicator version, evaluation device type, indicator hierarchy, parent indicator, indicator name, indicator scoring type, indicator score weight and some basic descriptive information of the evaluation indicators. Among them, the evaluation indicator code is used to encode different indicators, and the code is unique and cannot be repeated. The evaluation indicator version is used to identify which evaluation version this indicator belongs to. The evaluation device type identifies which category this indicator belongs to among the inherent risk assessment indicators and the control measure effectiveness assessment indicators. The indicator hierarchy identifies which level of indicators this indicator belongs to, namely, the first level, the second level, or the third level. The parent indicator identifies the parent indicator code of this indicator, and this item is empty for the first level indicator. The indicator name identifies the name of the evaluation indicator. The indicator scoring type is used to identify what scoring type this indicator is. Different scoring types will correspond to different scoring rules, such as single-choice scoring, threshold scoring, etc. The indicator score weight identifies the weight ratio of this indicator to the total evaluation score.

[0095] It should also be noted that, see Figure 8 Options primarily include the following fields: option code, indicator code, score, and some descriptive information about the option, including but not limited to the option name and description. The option code is used to encode different options and is unique and non-duplicate. The indicator code identifies the indicator to which the option belongs. The score identifies the specific score for the option.

[0096] For example, see Figure 6 , after triggering multiple first-level indicators, multiple second-level indicators associated with the first-level indicators are displayed. When the first-level indicator is a means of identifying the customer's identity during the establishment of a business relationship and subsequent use, the multiple second-level indicators associated with the first-level indicator can be whether the customer's identity (including the agent) information can be obtained when the business relationship is first established with the customer, and whether changes in the customer's identity information can be paid attention to or abnormalities in the customer's identity can be discovered when using the product / handling the business. When the second-level indicator is whether the customer's identity (including the agent) information can be obtained when the business relationship is first established with the customer, the third-level indicator associated with the second-level indicator can be whether the customer's identity (including the agent) information can be obtained when the business relationship is first established with the customer. See Figure 3 and Figure 4 Each second indicator can correspond to different options, namely, second risk attribute information. For example, for the second indicator of whether the client's identity information (including that of the agent) can be obtained when the business relationship is first established with the client, the corresponding options may be A. Ability to retain and preserve the client's (including the agent's) identity information and retain a copy or photocopy of the valid identity document or other identification document; and B. Certain issues exist in the accuracy and completeness of the client's (including the agent's) identity information obtained or preserved.

[0097] S270. Determine a first assessment result based on a plurality of first indicators and corresponding first risk attribute information, and determine a second assessment result based on a plurality of second indicators and corresponding second risk attribute information.

[0098] S280. Determine the target risk level of the product to be approved based on the first assessment result, the second assessment result, and a predetermined risk assessment table.

[0099] S290. Determine the online assessment results of the products to be approved based on the target risk level.

[0100] The technical solution of the disclosed embodiments, after acquiring at least one product to be approved, displays multiple first-level indicators associated with the inherent risk assessment dimension. Based on triggering operations on the multiple first-level indicators, multiple second-level indicators are displayed. Based on triggering operations on the multiple second-level indicators, multiple third-level indicators are presented, and based on the triggering operations on the third-level indicators, a first indicator is determined. Multiple first-level indicators related to the control measure effectiveness dimension are displayed. Based on the first-level indicator, at least one second-level indicator and multiple third-level indicators associated with the second-level indicator are determined, and the determined third-level indicators are used as second indicators. By dividing risk assessment into multiple levels, risk analysis and management can be systematically conducted. This hierarchical structure clarifies the risk assessment process and helps identify potential risk sources and their impacts. Based on the multiple first indicators and corresponding first risk attribute information, a first assessment result is determined, and based on the multiple second indicators and corresponding second risk attribute information, a second assessment result is determined. Based on the first and second assessment results, and a predetermined risk assessment table, a target risk level for the product to be approved is determined. Finally, based on the target risk level, an online assessment result for the product to be approved is determined. This online assessment result provides a more comprehensive assessment of whether the product has non-compliant transactions, thereby improving regulatory efficiency and accuracy.

[0101] Example 3

[0102] Figure 9 This is a flowchart of a method for online product evaluation provided in an embodiment of the present invention. Based on the previous embodiment, this method further details the determination of the first evaluation result and the second evaluation result. For specific implementations, please refer to the technical solution of this embodiment. Technical terms that are identical or corresponding to those in the previous embodiment are not repeated here.

[0103] like Figure 9 As shown, the method specifically includes the following steps:

[0104] S310: Obtain at least one product to be admitted.

[0105] S320. For at least one product to be approved, determine a plurality of first indicators of the product to be approved under the inherent risk assessment dimension and a plurality of second indicators under the control measure effectiveness dimension.

[0106] S330. Retrieve first risk attribute information corresponding to the first indicator and second risk attribute information corresponding to the second indicator.

[0107] S340: Calculate the product of the weight of each first indicator and the corresponding first risk attribute information, and sum the product results of all first indicators to obtain a first assessment result corresponding to the inherent risk assessment dimension.

[0108] The weight refers to the relative importance of each primary indicator within the inherent risk assessment dimension, typically ranging from 0 to 1. The sum of the weights is typically 1 to ensure that the relative impact of all primary indicators is effectively combined. Within the inherent risk assessment dimension, the weight of each primary indicator is multiplied by the corresponding primary risk attribute information, and then all these products are summed to form the first assessment result.

[0109] Specifically, after obtaining the first risk attribute information corresponding to the first indicator, the weight of each first indicator and the corresponding first risk attribute information are multiplied and then all the products are added together to obtain the first assessment result corresponding to the inherent risk assessment dimension.

[0110] For example, when the first risk attribute information corresponding to the first indicators 1, 2 and 3 are A, B and C respectively, and the weights of the three first indicators 1, 2 and 3 are 0.3, 0.4 and 0.3 respectively, the first assessment result corresponding to the inherent risk assessment dimension is 0.3*A+0.4B+0.3*C.

[0111] S350. Calculate the product of the weight of each second indicator and the corresponding second risk attribute information, and sum the product results of all second indicators to obtain a second evaluation result corresponding to the control measure effectiveness dimension.

[0112] Specifically, after obtaining the second risk attribute information corresponding to the second indicator, the weight of each second indicator and the corresponding second risk attribute information are multiplied and then all the products are added together to obtain a second evaluation result corresponding to the control measure effectiveness dimension.

[0113] S360. Determine the target risk level of the product to be approved based on the first assessment result, the second assessment result, and a predetermined risk assessment table.

[0114] S370. Determine the online assessment results of the products to be approved based on the target risk level.

[0115] The technical solution of the embodiment of the present disclosure determines multiple first indicators under the inherent risk assessment dimension and multiple second indicators under the control measure effectiveness dimension for the product to be approved, and then retrieves the first risk attribute information corresponding to the first indicator and the second risk attribute information corresponding to the second indicator. The product of the weight of each first indicator and the corresponding first risk attribute information is calculated, and the product results of all first indicators are summed to obtain the first assessment result corresponding to the inherent risk assessment dimension. The product of the weight of each second indicator and the corresponding second risk attribute information is calculated, and the product results of all second indicators are summed to obtain the second assessment result corresponding to the control measure effectiveness dimension. Based on the quantitative assessment results, risks can be assessed more accurately, and the assessment of inherent risks and control measure effectiveness can be more accurate. Based on the first assessment results, the second assessment results, and a predetermined risk assessment table, the target risk level of the product to be approved is determined. Based on the target risk level, the online assessment result of the product to be approved is determined, and the online assessment result of the product to be approved can be obtained, which can more comprehensively assess whether the product has non-compliant transactions, thereby improving regulatory efficiency and accuracy.

[0116] Example 4

[0117] Figure 10 This is a flowchart of a method for online product assessment provided in an embodiment of the present invention. Based on the previous embodiment, this method further details how to determine the target risk level of a product to be approved. For specific implementations, please refer to the technical solution of this embodiment. Technical terms that are identical or corresponding to those in the previous embodiment are not repeated here.

[0118] like Figure 10 As shown, the method specifically includes the following steps:

[0119] S410: Obtain at least one product to be admitted.

[0120] S420. For at least one product to be approved, determine a plurality of first indicators of the product to be approved under the inherent risk assessment dimension and a plurality of second indicators under the control measure effectiveness dimension.

[0121] S430. Determine a first assessment result based on a plurality of first indicators and corresponding first risk attribute information, and determine a second assessment result based on a plurality of second indicators and corresponding second risk attribute information.

[0122] S440: Determine the target locations corresponding to the first assessment result and the second assessment result according to the risk assessment table.

[0123] The target location refers to a specific location or area in the risk assessment table that corresponds to the first assessment result and the second assessment result, respectively.

[0124] Specifically, after determining the first assessment result and the second assessment result, a specific position that establishes a corresponding relationship with the first assessment result and the second assessment result is found in the risk assessment table.

[0125] For example, see Figure 11 For the risk assessment table, after summing up the product results of all the first indicators, when the score ≥ a, it corresponds to a high-risk product; when a> score ≥ b, it corresponds to a medium-high risk product; when b> score ≥ c, it corresponds to a medium-risk product; when c> score ≥ d, it corresponds to a medium-low risk product; when d> score, it corresponds to a low-risk product. After summing up the product results of all the second indicators, when the score ≥ a, it corresponds to very effective; when a> score ≥ b, it corresponds to relatively effective; when b> score ≥ c, it corresponds to generally effective; when c> score ≥ d, it corresponds to ineffective; when d> score, it corresponds to ineffective. When the first assessment result corresponds to a high-risk product and the second assessment result corresponds to very effective, the specific position in the risk assessment table that establishes a corresponding relationship with the first assessment result and the second assessment result, respectively, is the first row and first column.

[0126] S450: Retrieve the risk level corresponding to the target location, and use the risk level as the target risk level.

[0127] Among them, each position in the risk assessment table has a corresponding risk level.

[0128] Specifically, after the target location is determined, the risk level at the target location is retrieved, and the risk level at the target location is used as the target risk level corresponding to the first assessment result and the second assessment result.

[0129] For example, see Figure 11 When the specific position corresponding to the first assessment result and the second assessment result is the first row and first column, that is, when the target position is the first row and first column, the risk level corresponding to the target position is level three. In this case, the target risk level is level three.

[0130] S460. Determine the online assessment results of the products to be approved based on the target risk level.

[0131] The technical solution of the embodiment of the present disclosure, after determining the first assessment result and the second assessment result, determines the target position corresponding to the first assessment result and the second assessment result based on the risk assessment table. Then, the risk level corresponding to the target position is retrieved, and the risk level is used as the target risk level. Finally, based on the target risk level, the online assessment result of the product to be approved is determined, and the risk information can be accurately located. In addition, the target risk level provides a clear risk management goal, so that all relevant parties can clearly understand the expected risk level. Through a clear target risk level, decision makers can better formulate and implement risk management strategies to achieve the expected risk control effect and further improve the accuracy of risk identification and assessment.

[0132] Example 5

[0133] As an optional embodiment of the present invention, the invention is further described with an example.

[0134] It should be noted that when creating a new product, the business product management system of each business type in a financial institution uses an RPC call format. The product management system calls the product access customization interface of the online evaluation device and pushes the basic product information to the online evaluation device. At this time, the product status of the product in the online evaluation device is in the waiting-for-sale status, and the evaluation status is in the unevaluated status. After the product manager completes the risk assessment of the product in the online evaluation device, the product evaluation status is changed to the completed evaluation status. Before the business product management system operates the product online for sale, it uses an RPC call format. The product management system calls the product online customization interface of the online evaluation device, notifies the evaluation device and queries the product evaluation status. If the evaluation is completed, the product status is changed to on sale and a successful return is returned to allow online sale. Otherwise, the product is not allowed to be sold online. During the product online sale period, the online evaluation device regularly initiates evaluation tasks based on the product evaluation results to notify the evaluator to conduct a re-evaluation. If the re-evaluation is not carried out within the deadline, an early warning will be issued. When delisting a product, the business product management system uses RPC calls to invoke the online assessment device's customized product delisting interface, informing the device to change the product's status to "end of sale." This stops the product's risk assessment. It's also important to note that the online assessment device utilizes a B / S architecture, storing data in a database, and inter-system communication using RPC calls.

[0135] It's also important to note that you can create multiple versions of evaluation indicators and designate one version as the current effective version for evaluation. Evaluation indicators from previous versions are retained. When displaying historical product evaluation data, the corresponding indicator data is pulled based on the evaluation indicator version used at the time of the evaluation. All relevant indicator data is stored in the database.

[0136] The product management systems of each business line communicate with the online evaluation device using RPC. This device provides three custom interfaces: product access, product launch, and product delisting. The product access interface allows the product management system to push basic product information to the device. The product launch interface allows the product management system to query whether a product is allowed to be sold online. The product delisting interface allows the product management system to notify the device to change the product to a discontinued status.

[0137] See also Figure 12 After the evaluation begins, the online evaluation device pulls the effective version of the inherent risk assessment indicators and renders them on the foreground. The evaluator fills in the indicators in sequence. After the filling is completed, the online evaluation device automatically calculates the inherent risk level of the product according to the evaluation indicator scoring rules. After that, the online evaluation device pulls the effective version of the control measure effectiveness assessment indicators. The evaluator fills in the indicators in sequence. After the filling is completed, the online evaluation device automatically calculates the product control measure effectiveness level according to the evaluation indicator scoring rules. After that, the online evaluation device calculates the product target risk level based on the obtained product inherent risk level and product control measure effectiveness level. The evaluation data and the three evaluation level results are sent to the approver for approval. After approval, the product evaluation status is changed to the completed evaluation status, and the evaluation ends. If the approval is not passed, it ends directly.

[0138] See also Figure 13 The online evaluation device is also responsible for initiating product re-evaluation tasks and overdue evaluation warnings. The online evaluation device adopts the mainstream timed scheduling framework, calls the timed task program every day, scans the product data in the storage medium, and performs corresponding operations according to the evaluation cycle rules. Risk assessments are carried out every six months for products with high inherent risk levels, every year for products with medium and high risk levels, and every two years for products with other risk levels. Based on the product's last inherent risk level, the product evaluation validity period and the next evaluation date are calculated. Thirty days before the next evaluation date, the evaluator is reminded to conduct a re-evaluation. If the evaluator still does not initiate a new evaluation by the next evaluation date, the management department within the organization will be notified and a warning will be issued.

[0139] The technical solution of the embodiment of the present disclosure determines the online evaluation results of the products to be approved according to the target risk level, and obtains the online evaluation results of the products to be approved based on the inherent risk assessment dimension and the control measure effectiveness dimension, so as to more comprehensively evaluate whether there are any non-compliant transactions in the products, thereby improving the efficiency and accuracy of supervision.

[0140] Example 6

[0141] Figure 14 This is a schematic diagram of the structure of the online evaluation device for products provided by the embodiment of the present disclosure. Figure 14As shown, the device includes: a product acquisition module 510 for access, an indicator determination module 520, an evaluation result determination module 530, a target risk level determination module 540 and an online evaluation result determination module 550.

[0142] A module for acquiring products to be approved is used to acquire at least one product to be approved; an indicator determination module is used to determine, for the at least one product to be approved, a plurality of first indicators of the product to be approved under the inherent risk assessment dimension, and a plurality of second indicators under the control measure effectiveness dimension; an assessment result determination module is used to determine a first assessment result based on the plurality of first indicators and the corresponding first risk attribute information, and to determine a second assessment result based on the plurality of second indicators and the corresponding second risk attribute information; a target risk level determination module is used to determine the target risk level of the product to be approved based on the first assessment result, the second assessment result and a predetermined risk assessment table; an online assessment result determination module is used to determine an online assessment result of the product to be approved based on the target risk level.

[0143] The technical solution of the disclosed embodiments, after obtaining at least one product to be approved, determines, for the product to be approved, multiple first indicators under the inherent risk assessment dimension and multiple second indicators under the control measure effectiveness dimension. A first assessment result is then determined based on the multiple first indicators and the first risk attribute information corresponding to the first indicators, and a second assessment result is determined based on the multiple second indicators and the second risk attribute information corresponding to the second indicators. Furthermore, a target risk level for the product to be approved is determined based on the first and second assessment results and a predetermined risk assessment table. Finally, based on the target risk level, an online assessment result for the product to be approved is determined. This addresses the issues of low efficiency and low accuracy in online product assessments based on manual operations, offline assessments, and empirical judgment in the prior art. The disclosed embodiments achieve flexible adjustment and adaptation to the risk assessment needs of different product types based on the inherent risk assessment dimension and the control measure effectiveness dimension, thereby obtaining an online assessment result for the product to be approved, more comprehensively assessing whether the product has engaged in non-compliant transactions, and thus improving regulatory efficiency and accuracy.

[0144] Based on the above technical solutions, the indicator determination module 520 includes: a first-level indicator display submodule of the inherent risk assessment dimension, a second-level indicator display submodule, a first indicator determination submodule, a first-level indicator display submodule of the control measure effectiveness dimension, and a second indicator determination submodule.

[0145] The inherent risk assessment dimension first-level indicator display sub-module is used to display multiple first-level indicators associated with the inherent risk assessment dimension;

[0146] A secondary indicator display submodule, configured to display a plurality of secondary indicators based on a triggering operation on the plurality of primary indicators; wherein the plurality of secondary indicators are indicators associated with the triggered primary indicators;

[0147] a first indicator determination submodule, configured to present a plurality of tertiary indicators in response to a triggering operation on the plurality of secondary indicators, and determine the first indicator based on the triggering operation on the tertiary indicators; wherein the tertiary indicators are indicators associated with the triggered secondary indicators, and the tertiary indicators are related to the applicable scope information of the product to be approved;

[0148] A submodule for displaying the first-level indicators of the control measure effectiveness dimension, used to display multiple first-level indicators related to the control measure effectiveness dimension;

[0149] The second indicator determination submodule is used to determine at least one second-level indicator and a plurality of third-level indicators associated with the second-level indicator based on the first-level indicator, and use the determined third-level indicator as the second indicator.

[0150] On the basis of the above technical solutions, the assessment result determination module 530 includes: a risk attribute information retrieval submodule, a first assessment result determination submodule and a second assessment result determination submodule.

[0151] a risk attribute information retrieving submodule, configured to retrieve first risk attribute information corresponding to the first indicator, and second risk attribute information corresponding to the second indicator;

[0152] a first assessment result determination submodule, configured to calculate the product of the weight of each first indicator and the corresponding first risk attribute information, and sum the product results of all first indicators to obtain a first assessment result corresponding to the inherent risk assessment dimension;

[0153] The second evaluation result determination submodule is used to calculate the product of the weight of each second indicator and the corresponding second risk attribute information, and sum the product results of all second indicators to obtain a second evaluation result corresponding to the effectiveness dimension of the control measure.

[0154] On the basis of the above technical solutions, the target risk level determination module 540 includes: a target position determination submodule and a target risk level determination submodule.

[0155] a target position determination submodule, configured to determine target positions corresponding to the first assessment result and the second assessment result according to the risk assessment table;

[0156] The target risk level determination submodule is used to retrieve the risk level corresponding to the target location and use the risk level as the target risk level.

[0157] On the basis of the above technical solutions, the online evaluation result determination module 550 includes: a status marking submodule and an online evaluation result determination submodule.

[0158] A status marking submodule is used to mark the status of the product to be admitted as ready to go online when the target risk level reaches the preset level requirement;

[0159] The online evaluation result determination submodule is configured to use the online status as the online evaluation result.

[0160] Based on the above technical solutions, all indicators associated with the inherent risk assessment dimension and the control measure effectiveness dimension, as well as the first risk attribute information and second risk attribute information of all indicators, are dynamically changing, and the dynamic change factors are related to the normative documents provided.

[0161] On the basis of the above technical solutions, the device further includes: an evaluation validity period acquisition module and an online evaluation result redetermination module.

[0162] An evaluation validity period acquisition module is used to obtain the evaluation validity period of the product to be admitted when the online evaluation result of the product to be admitted is in an online state and has been uploaded;

[0163] The online evaluation result redetermining module is used to determine the target evaluation date of the product to be admitted based on the evaluation validity period, so as to redetermine the online evaluation result of the product to be admitted based on the target evaluation date.

[0164] Based on the above technical solutions, the validity period of the assessment is determined based on the target risk level corresponding to the online assessment result.

[0165] The online evaluation device for products provided by the embodiments of the present disclosure can execute the online evaluation method for products provided by any embodiment of the present disclosure, and has functional modules and beneficial effects corresponding to the execution method.

[0166] It is worth noting that the various units and modules included in the above-mentioned device are only divided according to functional logic, but are not limited to the above-mentioned division, as long as the corresponding functions can be achieved; in addition, the specific names of the functional units are only for the convenience of distinguishing each other, and are not used to limit the protection scope of the embodiments of the present disclosure.

[0167] Example 7

[0168] Figure 15This is a schematic diagram of the structure of an electronic device provided by an embodiment of the present disclosure. Figure 15 , which shows an electronic device (eg Figure 15 The terminal device in the embodiments of the present disclosure may include, but is not limited to, a mobile terminal such as a mobile phone, a laptop computer, a digital broadcast receiver, a PDA (personal digital assistant), a PAD (tablet computer), a PMP (portable multimedia player), an in-vehicle terminal (such as an in-vehicle navigation terminal), and the like. Figure 15 The electronic device shown is only an example and should not limit the functions and scope of use of the embodiments of the present disclosure.

[0169] like Figure 15 As shown, the electronic device 500 may include a processing device (e.g., a central processing unit, a graphics processing unit, etc.) 501, which can perform various appropriate actions and processes according to a program stored in a read-only memory (ROM) 502 or a program loaded from a storage device 508 into a random access memory (RAM) 503. Various programs and data required for the operation of the electronic device 500 are also stored in the RAM 503. The processing device 501, the ROM 502, and the RAM 503 are connected to each other via a bus 504. An edit / output (I / O) interface 505 is also connected to the bus 504.

[0170] Typically, the following devices may be connected to the I / O interface 505: an input device 506 including, for example, a touch screen, a touchpad, a keyboard, a mouse, a camera, a microphone, an accelerometer, a gyroscope, etc.; an output device 507 including, for example, a liquid crystal display (LCD), a speaker, a vibrator, etc.; a storage device 508 including, for example, a magnetic tape, a hard disk, etc.; and a communication device 509. The communication device 509 may allow the electronic device 500 to communicate with other devices wirelessly or by wire to exchange data. Although Figure 15 The electronic device 500 is shown with various devices, but it should be understood that it is not required to implement or possess all of the devices shown. More or fewer devices may be implemented or possessed instead.

[0171] In particular, according to an embodiment of the present disclosure, the process described above with reference to the flowchart can be implemented as a computer software program. For example, an embodiment of the present disclosure includes a computer program product, which includes a computer program carried on a non-transitory computer-readable medium, and the computer program includes a program code for executing the method shown in the flowchart. In such an embodiment, the computer program can be downloaded and installed from the network through the communication device 509, or installed from the storage device 508, or installed from the ROM 502. When the computer program is executed by the processing device 501, the above-mentioned functions defined in the method of the embodiment of the present disclosure are performed.

[0172] The names of the messages or information exchanged between multiple devices in the embodiments of the present disclosure are only used for illustrative purposes and are not used to limit the scope of these messages or information.

[0173] The electronic device provided in the embodiment of the present disclosure and the online evaluation method applied to a product provided in the above embodiment belong to the same inventive concept. For technical details not fully described in this embodiment, please refer to the above embodiment, and this embodiment has the same beneficial effects as the above embodiment.

[0174] Example 8

[0175] An embodiment of the present disclosure provides a computer storage medium having a computer program stored thereon. When the program is executed by a processor, the online evaluation method for a product provided in the above embodiment is implemented.

[0176] It should be noted that the computer-readable medium mentioned above in the present disclosure may be a computer-readable signal medium or a computer-readable storage medium, or any combination of the two. A computer-readable storage medium may be, for example, but not limited to, an electrical, magnetic, optical, electromagnetic, infrared, or semiconductor system, device, or component, or any combination of the above. More specific examples of computer-readable storage media may include, but are not limited to: an electrical connection with one or more wires, a portable computer disk, a hard disk, a random access memory (RAM), a read-only memory (ROM), an erasable programmable read-only memory (EPROM or flash memory), an optical fiber, a portable compact disk read-only memory (CD-ROM), an optical storage device, a magnetic storage device, or any suitable combination of the above. In the present disclosure, a computer-readable storage medium may be any tangible medium that contains or stores a program that can be used by or in conjunction with an instruction execution system, device, or component. In the present disclosure, a computer-readable signal medium may include a data signal propagated in baseband or as part of a carrier wave, which carries computer-readable program code. Such a propagated data signal may take a variety of forms, including but not limited to electromagnetic signals, optical signals, or any suitable combination of the above. A computer-readable signal medium may also be any computer-readable medium other than a computer-readable storage medium that can transmit, propagate, or transport a program for use by or in conjunction with an instruction execution system, apparatus, or device. The program code contained on the computer-readable medium may be transmitted using any suitable medium, including but not limited to wires, optical cables, RF (radio frequency), etc., or any suitable combination thereof.

[0177] In some embodiments, the server can communicate using any currently known or later developed network protocol, such as HTTP (HyperText Transfer Protocol), and can be interconnected with any form or medium of digital data communication (e.g., a communication network). Examples of communication networks include a local area network ("LAN"), a wide area network ("WAN"), an internet (e.g., the Internet), and a peer-to-peer network (e.g., an ad hoc peer-to-peer network), as well as any currently known or later developed network.

[0178] The computer-readable medium may be included in the electronic device, or may exist independently without being incorporated into the electronic device.

[0179] The computer-readable medium carries one or more programs. When the one or more programs are executed by the electronic device, the electronic device:

[0180] Obtain at least one product to be approved;

[0181] For the at least one product to be approved, determining a plurality of first indicators under the inherent risk assessment dimension of the product to be approved, and a plurality of second indicators under the control measure effectiveness dimension;

[0182] Determining a first assessment result based on the plurality of first indicators and the corresponding first risk attribute information, and determining a second assessment result based on the plurality of second indicators and the corresponding second risk attribute information;

[0183] Determining a target risk level for the product to be approved based on the first assessment result, the second assessment result, and a predetermined risk assessment table;

[0184] Determine the online assessment result of the product to be approved based on the target risk level.

[0185] Computer program code for performing the operations of the present disclosure may be written in one or more programming languages, or a combination thereof, including, but not limited to, object-oriented programming languages such as Java, Smalltalk, C++, and conventional procedural programming languages such as "C" or similar programming languages. The program code may be executed entirely on the user's computer, partially on the user's computer, as a stand-alone software package, partially on the user's computer and partially on a remote computer, or entirely on the remote computer or server. In cases involving a remote computer, the remote computer may be connected to the user's computer through any type of network, including a local area network (LAN) or a wide area network (WAN), or may be connected to an external computer (e.g., through the Internet using an Internet service provider).

[0186] The flowcharts and block diagrams in the accompanying drawings illustrate the possible implementation architecture, functions and operations of the systems, methods and computer program products according to various embodiments of the present disclosure. In this regard, each box in the flowchart or block diagram can represent a module, program segment, or a part of code, and the module, program segment, or a part of code contains one or more executable instructions for realizing the specified logical function. It should also be noted that in some alternative implementations, the functions marked in the box can also occur in a different order than that marked in the accompanying drawings. For example, two boxes represented in succession can actually be executed substantially in parallel, and they can sometimes be executed in the opposite order, depending on the functions involved. It should also be noted that each box in the block diagram and / or flowchart, and the combination of the boxes in the block diagram and / or flowchart, can be implemented with a dedicated hardware-based system that performs the specified function or operation, or can be implemented with a combination of dedicated hardware and computer instructions.

[0187] The units involved in the embodiments described in this disclosure may be implemented in software or hardware, wherein the name of a unit does not necessarily limit the unit itself.

[0188] The functions described above herein may be performed, at least in part, by one or more hardware logic components. For example, and without limitation, exemplary types of hardware logic components that may be used include: field programmable gate arrays (FPGAs), application specific integrated circuits (ASICs), application specific standard products (ASSPs), systems on chip (SOCs), complex programmable logic devices (CPLDs), and the like.

[0189] In the context of the present disclosure, a machine-readable medium can be a tangible medium that can contain or store a program for use by or in conjunction with an instruction execution system, device or equipment. A machine-readable medium can be a machine-readable signal medium or a machine-readable storage medium. A machine-readable medium can include, but is not limited to, an electronic, magnetic, optical, electromagnetic, infrared, or semiconductor system, device or equipment, or any suitable combination of the foregoing. A more specific example of a machine-readable storage medium can include an electrical connection based on one or more lines, a portable computer disk, a hard disk, a random access memory (RAM), a read-only memory (ROM), an erasable programmable read-only memory (EPROM or flash memory), an optical fiber, a portable compact disk read-only memory (CD-ROM), an optical storage device, a magnetic storage device, or any suitable combination of the foregoing.

[0190] The above description is merely a preferred embodiment of the present disclosure and an illustration of the technical principles employed. Those skilled in the art should understand that the scope of disclosure involved in the present disclosure is not limited to the technical solutions formed by the specific combination of the above-mentioned technical features, but also includes other technical solutions formed by any combination of the above-mentioned technical features or their equivalents without departing from the above-mentioned disclosed concepts. For example, a technical solution formed by replacing the above-mentioned features with (but not limited to) technical features with similar functions disclosed in this disclosure.

[0191] In addition, although each operation is described in a specific order, this should not be understood as requiring these operations to be performed in the specific order shown or in a sequential order. Under certain circumstances, multitasking and parallel processing may be advantageous. Similarly, although some specific implementation details have been included in the above discussion, these should not be interpreted as limiting the scope of the present disclosure. Some features described in the context of a separate embodiment can also be implemented in a single embodiment in combination. On the contrary, the various features described in the context of a single embodiment can also be implemented in multiple embodiments individually or in any suitable sub-combination mode.

[0192] Although the subject matter has been described in language specific to structural features and / or methodological logical acts, it should be understood that the subject matter defined in the appended claims is not necessarily limited to the specific features or acts described above. Rather, the specific features and acts described above are merely example forms of implementing the claims.

Claims

1. A method for online evaluation of a product, characterized in that: The method comprises: Obtain at least one product to be approved; For the at least one product to be approved, determining a plurality of first indicators under the inherent risk assessment dimension of the product to be approved, and a plurality of second indicators under the control measure effectiveness dimension; Determining a first assessment result based on the plurality of first indicators and the corresponding first risk attribute information, and determining a second assessment result based on the plurality of second indicators and the corresponding second risk attribute information; Determining a target risk level for the product to be approved based on the first assessment result, the second assessment result, and a predetermined risk assessment table; Determine the online assessment result of the product to be approved based on the target risk level.

2. The method according to claim 1, characterized in that The determining of a plurality of first indicators of the product to be approved under the inherent risk assessment dimension includes: Display multiple first-level indicators associated with the inherent risk assessment dimensions; Based on the triggering operation of the plurality of primary indicators, a plurality of secondary indicators are displayed; wherein the plurality of secondary indicators are indicators associated with the triggered primary indicators; In response to triggering operations on the plurality of secondary indicators, presenting a plurality of tertiary indicators, and determining the first indicator based on the triggering operations on the tertiary indicators; Among them, the third-level indicator is an indicator associated with the triggered second-level indicator, and the third-level indicator is related to the scope of application information of the product to be approved.

3. The method according to claim 1, characterized in that Determine multiple second indicators of the product to be approved under the dimension of effectiveness of control measures, including: Demonstrate multiple first-level indicators related to the effectiveness dimensions of the control measures; Based on the first-level indicator, at least one second-level indicator and a plurality of third-level indicators associated with the second-level indicator are determined, and the determined third-level indicator is used as the second indicator.

4. The method according to claim 1, wherein Determining a first assessment result based on the plurality of first indicators and the corresponding first risk attribute information, and determining a second assessment result based on the plurality of second indicators and the corresponding second risk attribute information, includes: Retrieving first risk attribute information corresponding to the first indicator and second risk attribute information corresponding to the second indicator; Calculating the product of the weight of each first indicator and the corresponding first risk attribute information, and summing the product results of all first indicators to obtain a first assessment result corresponding to the inherent risk assessment dimension; The product of the weight of each second indicator and the corresponding second risk attribute information is calculated, and the product results of all second indicators are summed up to obtain a second evaluation result corresponding to the effectiveness dimension of the control measure.

5. The method according to claim 1, wherein Determining the target risk level of the product to be approved based on the first assessment result, the second assessment result, and a predetermined risk assessment table includes: Determining target locations corresponding to the first assessment result and the second assessment result according to the risk assessment table; The risk level corresponding to the target location is retrieved, and the risk level is used as the target risk level.

6. The method according to claim 1, wherein Determining the online assessment result of the product to be approved based on the target risk level includes: When the target risk level reaches the preset level requirement, the status of the product to be admitted is marked as ready to go online; The online state is used as the online evaluation result.

7. The method according to claim 1, characterized in that All indicators associated with the inherent risk assessment dimension and the control measure effectiveness dimension, as well as the first risk attribute information and the second risk attribute information of all indicators, are dynamically changing, and the dynamic change factors are related to the provided normative documents.

8. The method according to claim 1, characterized in that The method further comprises: When the online evaluation result of the product to be admitted is in the online state and has been uploaded, obtain the evaluation validity period of the product to be admitted; Based on the evaluation validity period, the target evaluation date of the product to be approved is determined, so as to re-determine the online evaluation result of the product to be approved based on the target evaluation date.

9. The method according to claim 8, characterized in that The evaluation validity period is determined based on the target risk level corresponding to the online evaluation result.

10. An online evaluation device for a product, characterized in that: include: A module for obtaining products to be approved, used to obtain at least one product to be approved; an indicator determination module, configured to determine, for the at least one product to be approved, a plurality of first indicators under the inherent risk assessment dimension of the product to be approved, and a plurality of second indicators under the control measure effectiveness dimension; an assessment result determination module, configured to determine a first assessment result based on the plurality of first indicators and the corresponding first risk attribute information, and to determine a second assessment result based on the plurality of second indicators and the corresponding second risk attribute information; a target risk level determination module, configured to determine a target risk level of the product to be approved based on the first assessment result, the second assessment result, and a predetermined risk assessment table; The online assessment result determination module is used to determine the online assessment result of the product to be approved according to the target risk level.

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