Resource processing strategy determination method and device and electronic equipment

Abstract

The invention discloses a method and device for determining a resource disposal strategy and electronic equipment, and the method comprises the steps: firstly, responding to received to-be-disposed resource information, screening at least one corresponding multi-level label from a plurality of preset multi-level label templates, and then carrying out the screening of at least one corresponding multi-level label based on the value of each multi-level label corresponding to the to-be-disposed resource information, and determining a disposal strategy of the to-be-disposed resource information. First-level labels are defined from the multi-dimensional perspective of resource attributes, resource values and information of the environment where the resources are located, two level labels below the level where the first-level labels belong are set for each first-level label, classification of the labels can be further refined, and the classification efficiency of the labels can be further improved through a plurality of set multi-level label templates. According to the method, the at least one multi-level label corresponding to the to-be-processed resource information can be efficiently and accurately determined, and then the processing strategy of the to-be-processed resource information is determined by performing assignment on each multi-level label.

Description

Technical Field

[0001] The present invention relates to the field of data processing technology, and in particular to a method, device and electronic device for determining a resource disposal strategy. Background Art

[0002] In recent years, with the economic situation becoming more complex and changing, market uncertainty has increased significantly. Improper resource disposal by financial institutions has easily led to the accumulation of a large amount of bad resources. This not only occupies the funds of financial institutions and reduces capital liquidity, but also affects the improvement of the resource quality of financial institutions.

[0003] Currently, financial institutions often employ extensive management models for non-performing assets. Resource information is scattered across various departments, lacking unified integration and organization. This results in incomplete and inaccurate information, making it difficult to develop a comprehensive and clear resource profile. When disposing of non-performing assets, business personnel must understand the status of each asset individually. However, lacking a deep understanding of its characteristics and potential value, they often struggle to develop targeted and efficient disposal strategies. Summary of the Invention

[0004] The embodiments of the present application provide a method, device, and electronic device for determining a resource disposal strategy. By predefining multiple multi-level label templates, the disposal strategy can be determined efficiently and accurately using the labels corresponding to the resource information to be disposed.

[0005] In a first aspect, an embodiment of the present application provides a method for determining a resource disposal strategy, including:

[0006] Respond to the received resource information to be disposed of;

[0007] Filter at least one multi-level label corresponding to the resource information to be disposed of from a plurality of pre-set multi-level label templates; wherein the plurality of first-level labels of the plurality of multi-level label templates include a resource attribute label, a resource value label, and a resource environment information label, wherein the resource attribute label represents the resource scale of the corresponding resource information, the resource value label represents the credit assessment of the corresponding resource information, and the resource environment information label represents the environmental value assessment of the corresponding resource information; each first-level label includes two level labels below the level to which it belongs;

[0008] Based on the resource information to be processed, determining a value of each multi-level tag corresponding to the resource information to be processed, wherein the value represents the value of the resource information to be processed at a current moment;

[0009] A processing strategy for the resource information to be processed is determined according to the value of each multi-level tag.

[0010] This application defines first-level labels from the multi-dimensional perspectives of resource attributes, resource value, and resource environment information, and sets two level labels below the level to which it belongs for each first-level label, which can further refine the classification of labels. By setting multiple multi-level label templates, it is possible to efficiently and accurately determine at least one multi-level label corresponding to the resource information to be disposed of, and then use the assignment of values ​​to each multi-level label to determine the disposal strategy for the resource information to be disposed of.

[0011] As an optional implementation manner, when at least one multi-level tag corresponding to the resource information to be processed is a partial tag in the multiple multi-level tag templates, after determining the value of each multi-level tag of the resource information to be processed, the method further includes:

[0012] estimating the values ​​of the remaining tags in the plurality of multi-level tag templates except for the partial tags according to the value of each multi-level tag;

[0013] Determining whether to update the disposal strategy of the resource information to be disposed of according to the values ​​of the other remaining tags;

[0014] If so, the processing strategy of the resource information to be processed is updated.

[0015] This application compares each label of the resource information to be processed with multiple multi-level label templates, and makes numerical estimates of the labels in the multiple multi-level label templates that do not belong to the resource information to be processed. It can be determined whether the values ​​of the estimated labels have an impact on the determined processing strategy, and thus obtain a more accurate processing strategy.

[0016] As an optional implementation manner, before filtering at least one multi-level tag corresponding to the resource information to be processed, the method further includes:

[0017] Determine whether there is an associated tag between each of the multiple-level tags in the multiple multi-level tag templates;

[0018] If so, adjusting the corresponding multi-level tags according to the associated tags;

[0019] Final versions of multiple multi-level label templates are determined based on the adjusted multi-level labels.

[0020] By analyzing the association relationship between each multi-level tag in the preset multiple multi-level tag templates, this application can more accurately determine the structure between each multi-level tag, and then use more accurate multiple multi-level tag templates to screen the tags of the resource information to be processed.

[0021] As an optional implementation manner, adjusting the corresponding multi-level tags according to the associated tags includes:

[0022] According to the associated tag, determine a new tag associated with the associated tag; add the new tag to the corresponding multi-level tag; or,

[0023] Adjust the hierarchical structure of the associated tags in the corresponding multi-level tags.

[0024] This application analyzes the associated tags of multi-level tags to accurately determine the specific adjustment method of the first-level tag and the following two-level tags of the corresponding level tags, and then uses more accurate multiple multi-level tag templates to filter the tags of the resource information to be processed.

[0025] As an optional implementation, the method further includes:

[0026] The resource information to be processed is monitored in real time. If the value of any multi-level tag of the resource information to be processed changes, a processing strategy for the resource information to be processed is re-determined based on the changed value.

[0027] This application can timely detect changes in the label values ​​of the resource information to be disposed of by real-time monitoring of the resource information to be disposed of, and then determine a more appropriate disposal strategy in a timely manner based on the changed values.

[0028] As an optional implementation manner, after determining the disposal strategy for the resource information to be disposed of, the method further includes:

[0029] Obtaining the execution time of the disposal strategy for the resource information to be disposed;

[0030] If the execution time is greater than the preset time, re-determining the value of each multi-level tag corresponding to the resource information to be processed;

[0031] The processing strategy of the resource information to be processed is re-determined according to the re-determined value of each multi-level tag.

[0032] By monitoring the execution time of the disposal strategy, this application can monitor the changes in the label values ​​of the resource information to be disposed in real time, and then determine a more suitable disposal strategy in a timely manner based on the changed values.

[0033] In a second aspect, an embodiment of the present application provides a device for determining a resource disposal strategy, including:

[0034] A receiving module, configured to respond to received information about resources to be processed;

[0035] A screening module is used to screen at least one multi-level label corresponding to the resource information to be processed from a plurality of pre-set multi-level label templates; wherein the plurality of first-level labels of the plurality of multi-level label templates include resource attribute labels, resource value labels, and resource environment information labels, wherein the resource attribute labels represent the resource scale of the corresponding resource information, the resource value labels represent the credit assessment of the corresponding resource information, and the resource environment information labels represent the environmental value assessment of the corresponding resource information; each first-level label includes two level labels below the level to which it belongs;

[0036] a value determination module, configured to determine, based on the resource information to be processed, a value of each multi-level tag corresponding to the resource information to be processed, wherein the value represents the value of the resource information to be processed at a current moment;

[0037] The processing strategy determination module is used to determine the processing strategy of the resource information to be processed according to the value of each multi-level tag.

[0038] As an optional implementation manner, when the at least one multi-level tag corresponding to the resource information to be handled is a partial tag in the multiple multi-level tag templates, the handling strategy determination module is further configured to:

[0039] estimating the values ​​of the remaining tags in the plurality of multi-level tag templates except for the partial tags according to the value of each multi-level tag;

[0040] Determining whether to update the disposal strategy of the resource information to be disposed of according to the values ​​of the other remaining tags;

[0041] If so, the processing strategy of the resource information to be processed is updated.

[0042] As an optional implementation, the screening module is further configured to:

[0043] Determine whether there is an associated tag between each of the multiple-level tags in the multiple multi-level tag templates;

[0044] If so, adjusting the corresponding multi-level tags according to the associated tags;

[0045] Final versions of multiple multi-level label templates are determined based on the adjusted multi-level labels.

[0046] As an optional implementation, the screening module is specifically configured to:

[0047] According to the associated tag, determine a new tag associated with the associated tag; add the new tag to the corresponding multi-level tag; or,

[0048] Adjust the hierarchical structure of the associated tags in the corresponding multi-level tags.

[0049] As an optional implementation, the device further includes:

[0050] The resource information to be processed is monitored in real time. If the value of any multi-level tag of the resource information to be processed changes, a processing strategy for the resource information to be processed is re-determined based on the changed value.

[0051] As an optional implementation manner, the handling strategy determination module is further configured to:

[0052] Obtaining the execution time of the disposal strategy for the resource information to be disposed;

[0053] If the execution time is greater than the preset time, re-determining the value of each multi-level tag corresponding to the resource information to be processed;

[0054] The processing strategy of the resource information to be processed is re-determined according to the re-determined value of each multi-level tag.

[0055] In a third aspect, an embodiment of the present application provides an electronic device comprising a memory, a processor, and a computer program stored in the memory and executable on the processor. When the computer program is executed by the processor, the processor implements a method for determining any one of the resource handling strategies described in the first aspect above.

[0056] In a fourth aspect, an embodiment of the present application further provides a computer-readable storage medium, in which a computer program is stored. When the computer program is executed by a processor, the method for determining the resource disposal strategy of any one of the first aspects is implemented.

[0057] In a fifth aspect, an embodiment of the present application further provides a computer program product, including a computer program, which is executed by a processor to implement a method for determining a resource handling strategy as described in any one of the first aspects above.

[0058] The technical effects brought about by any implementation method in the second to fifth aspects can refer to the technical effects brought about by the corresponding implementation method in the first aspect, and will not be repeated here. BRIEF DESCRIPTION OF THE DRAWINGS

[0059] Figure 1 A schematic diagram of an application scenario of a method for determining a resource disposal strategy provided in an embodiment of the present application;

[0060] Figure 2 A flowchart of a method for determining a resource disposal strategy provided in an embodiment of the present application;

[0061] Figure 3 A flowchart of the update handling strategy provided in an embodiment of the present application;

[0062] Figure 4 A schematic diagram of a process for updating multiple multi-level label templates provided in an embodiment of the present application;

[0063] Figure 5 A visual interface diagram of a method for determining a resource disposal strategy provided in an embodiment of the present application;

[0064] Figure 6 A schematic diagram of the structure of a device for determining a resource disposal strategy provided in an embodiment of the present application;

[0065] Figure 7 A schematic diagram of the structure of an electronic device provided in an embodiment of the present application. DETAILED DESCRIPTION

[0066] In order to make the purpose, technical solutions and advantages of the embodiments of the present application clearer, the technical solutions in the embodiments of the present application will be clearly and completely described below in conjunction with the drawings in the embodiments of the present application.

[0067] It should be noted that the terms "first," "second," and the like in the specification and claims of this application and the accompanying drawings are used to distinguish similar objects and are not necessarily used to describe a specific order or precedence. It should be understood that the terms used in this manner are interchangeable where appropriate, so that the embodiments of the application described herein can be implemented in an order other than those illustrated or described herein. The embodiments described in the following exemplary embodiments do not represent all embodiments consistent with the present application. Instead, they are merely examples of apparatus and methods consistent with certain aspects of the present application, as detailed in the appended claims.

[0068] Below, some terms used in the embodiments of the present application are explained to facilitate understanding by those skilled in the art.

[0069] (1) In the embodiments of the present application, the term "plurality" refers to two or more than two, and other quantifiers are similar to it.

[0070] (2) “And / or” describes the relationship between related objects, indicating that three relationships can exist. For example, A and / or B can mean: A exists alone, A and B exist at the same time, and B exists alone. The character “ / ” generally indicates that the related objects are in an “or” relationship.

[0071] (3) The server serves the terminal. The service content includes receiving the resource information to be processed sent by the terminal and filtering the tags corresponding to the resource information to be processed. The server corresponds to the application installed on the terminal and runs in conjunction with the application on the terminal.

[0072] (4) Terminal device, which can refer to software APP (Application) or client. It has a visual display interface and can interact with users; it corresponds to the server and provides local services to customers. For software applications, except for some applications that only run locally, they are generally installed on ordinary client terminals and need to cooperate with the server to run. After the development of the Internet, more commonly used applications include email clients for sending and receiving emails, and instant messaging clients. For this type of application, there needs to be corresponding servers and service programs in the network to provide corresponding services, such as database services, configuration parameter services, etc., so a specific communication connection needs to be established between the client terminal and the server to ensure the normal operation of the application.

[0073] In recent years, with the economic situation becoming more complex and changing, market uncertainty has increased significantly. Improper resource disposal by financial institutions has easily led to the accumulation of a large amount of bad resources. This not only occupies the funds of financial institutions and reduces capital liquidity, but also affects the improvement of the resource quality of financial institutions.

[0074] Currently, financial institutions often employ extensive management models for non-performing assets. Resource information is scattered across various departments, lacking unified integration and organization. This results in incomplete and inaccurate information, making it difficult to develop a comprehensive and clear resource profile. When disposing of non-performing assets, business personnel must understand the status of each asset individually. However, lacking a deep understanding of its characteristics and potential value, they often struggle to develop targeted and efficient disposal strategies.

[0075] To this end, an embodiment of the present application provides a method, device and electronic device for determining a resource disposal strategy, defining a first-level label from a multi-dimensional perspective of resource attributes, resource value and resource environment information, and setting two level labels below the level to which each first-level label belongs, which can further refine the classification of labels. By setting multiple multi-level label templates, at least one multi-level label corresponding to the resource information to be disposed can be efficiently and accurately determined, and then the disposal strategy of the resource information to be disposed can be determined by assigning values ​​to each multi-level label.

[0076] After introducing the design concepts of the embodiments of this application, the following briefly introduces the application scenarios to which the technical solutions of the embodiments of this application can be applied. It should be noted that the application scenarios introduced below are only used to illustrate the embodiments of this application and are not limiting. In specific implementations, the technical solutions provided by the embodiments of this application can be flexibly applied according to actual needs.

[0077] refer to Figure 1, which is a schematic diagram of an application scenario of the method for determining the resource disposal strategy provided in an embodiment of the present application. The application scenario includes multiple terminal devices 101 (including terminal device 101-1, terminal device 101-2, ... terminal device 101-n) and a server 102. Among them, the terminal device 101 and the server 102 are connected via a wireless or wired network, and the terminal device 101 includes but is not limited to electronic devices such as desktop computers, mobile phones, mobile computers, tablet computers, media players, smart wearable devices, smart TVs, etc. The server 102 can be a single server, a server cluster consisting of several servers, or a cloud computing center. The server 102 can be an independent physical server, or a server cluster or distributed system consisting of multiple physical servers, or a cloud server that provides basic cloud computing services such as cloud services, cloud databases, cloud computing, cloud functions, cloud storage, network services, cloud communications, middleware services, domain name services, security services, CDN, and big data and artificial intelligence platforms.

[0078] Different users send their corresponding resource information to be processed to the server 102 through their corresponding terminal devices 101. The server 102 selects at least one multi-level tag corresponding to each resource information to be processed from multiple pre-set multi-level tag templates, and assigns a value to each multi-level tag corresponding to each resource information to be processed. According to the value of each multi-level tag of each resource information to be processed, the server 102 determines the processing strategy for each resource information to be processed, and sends the determined processing strategy to its corresponding terminal device 101, and prompts the user with the detection result through the terminal device 101.

[0079] Of course, the method provided in the embodiment of the present application is not limited to Figure 1 The application scenarios shown can also be used in other possible application scenarios, and the embodiments of the present application are not limited thereto. Figure 1 The functions that can be implemented by each device in the application scenario shown will be described in subsequent method embodiments and will not be described in detail here.

[0080] To further illustrate the technical solutions provided by the embodiments of the present application, the following is a detailed description of the technical solutions in conjunction with the accompanying drawings and specific implementation methods. Although the embodiments of the present application provide method operation steps as shown in the following embodiments or drawings, more or fewer operation steps may be included in the method based on routine or no creative work. In steps where there is no necessary causal relationship logically, the execution order of these steps is not limited to the execution order provided in the embodiments of the present application.

[0081] The following combination Figure 1 The application scenario shown explains the technical solution provided in the embodiment of the present application in two parts: data collection and label template creation, and label template application.

[0082] 1. Data Collection and Label Template Creation

[0083] The data collection sources mainly include two parts of data. The first part of the data can be obtained from the data interface and database query of the internal resource management platform, and the second part of the data can be obtained from external data providers, such as financial institutions, judicial institutions, and field research data platforms.

[0084] Taking non-performing loans as an example of resource information, the first part of the data may include: basic asset information (such as asset name, number, category, etc.), loan contract information (loan amount, term, repayment record, etc.), debtor information (identity information, credit record, financial status, etc.), relevant financial data, etc. The second part of the data may include: data obtained from financial institutions (such as the debtor's credit record at financial institutions, loan details, etc.), data obtained from judicial institutions (such as data collected through the enforcement information disclosure website on debtor's involvement in litigation), and data obtained from field research data platforms (such as on-site surveys of the degree of damage to the house and surrounding supporting facilities for physical assets such as real estate).

[0085] After obtaining the second portion of data, compliance checks are required. If the data is in text format, optical character recognition (OCR) or text parsing tools are used to structure the data. To ensure data accuracy, data cleaning can also be performed. The specific data processing method is not limited here and can be adjusted according to actual circumstances.

[0086] During the process of acquiring the first or second portion of data, the data may be transmitted in an encrypted manner. A suitable database management system may be selected to store the acquired data for easy query and access. The specific database management system is not limited here and may be adjusted based on actual circumstances.

[0087] By acquiring comprehensive information covering all types of resources, we ensure accurate description and analysis of resource information from multiple dimensions. Specifically, we construct multiple multi-level label templates based on the acquired resource information. The multiple first-level labels include resource attribute labels, resource value labels, and resource environment information labels. Resource attribute labels represent the resource scale of the corresponding resource information, resource value labels represent the credit assessment of the corresponding resource information, and resource environment information labels represent the environmental value assessment of the corresponding resource information.

[0088] Each first-level tag includes two levels of tags below the level to which it belongs. For example, resource attribute tags may include second-level tags such as resource type, resource scale, resource location, and resource ownership information. Resource type may also include third-level tags such as non-physical resources and physical resources. Here, physical resources may be real estate, and non-physical resources may be debt or equity. Resource scale may also include third-level tags such as amount, area, and quantity. Resource ownership information may also include third-level tags such as owner, mortgage status, and pledge status.

[0089] Physical resources can be further divided into fourth-level tags based on their usage. For example, if the physical resource is real estate, real estate includes residential, commercial, and industrial properties. Furthermore, fifth-level tags can be further divided based on building structure. For example, residential buildings include frame structures and brick-concrete structures. If the physical resource is machinery and equipment, the fourth-level tags that can be included in the machinery and equipment include service life and equipment status (normal operation, maintenance required, scrapped, etc.).

[0090] When non-physical resources are claims, the fourth-level tags can be further divided by claim type. For example, they can be divided into bank loan claims and corporate accounts receivable claims. For bank loan claims, the fifth-level tags can be further divided by loan nature (credit loan, mortgage loan, secured loan). For corporate accounts receivable claims, the fifth-level tags can be further divided by age (less than 1 year, 1-3 years, over 3 years).

[0091] When the non-physical resource is equity, the fourth-level labels can be further divided according to the industry (finance, manufacturing, service industry, etc.), enterprise size (large, medium, small), and equity ratio (absolute controlling stake, relative controlling stake, and participating stake).

[0092] Resource value tags may include second-level tags such as basic information of the resource owner, financial status of the resource owner, credit history of the resource owner, and litigation information of the resource owner. Basic information of the resource owner may also include third-level tags such as name / title, ID number / unified social credit code, and contact information. Financial status of the resource owner may include third-level tags such as resource debt (which can reflect the resource owner's repayment level), profit situation, and cash flow ratio (which can reflect the resource owner's short-term repayment ability). Credit history of the resource owner may include third-level tags such as credit report, credit rating, and overdue record. Litigation information of the resource owner may include third-level tags such as the number of lawsuits, cause of action, and case progress.

[0093] Resource environment information tags can include second-level tags such as the economic development of the resource region, financial market interest rates and exchange rates, and real estate market conditions. The economic development of the resource region can also include third-level tags such as GDP growth (which can reflect the impact of the region's overall economic development trends on resource information), industrial structure (such as manufacturing and energy industries, which can reflect the development prospects of resource information), and unemployment rate.

[0094] It should be noted that the above label classification is only an example. Multiple multi-level label templates can be adaptively adjusted according to the specific situation of the resource information to be processed. Multiple multi-level label templates can also be adjusted in a timely manner by regularly updating sample resource information.

[0095] 2. Label template application

[0096] refer to Figure 2 , an embodiment of the present application provides a method for determining a resource disposal strategy, comprising the following steps:

[0097] S201, responding to the received information of resources to be processed;

[0098] For example, the resource information to be disposed of could be non-performing assets in a bank, which can include non-performing loans, non-performing debts, and so on. If the resource information to be disposed of contains text data, natural language processing (NLP) can be used to process the text data. For example, if the resource information to be disposed of is a debt contract, NLP can identify relevant data such as the debt amount, repayment period, and debtor information. Semantic analysis using NLP can also accurately extract keywords from the text data.

[0099] S202, screening at least one multi-level tag corresponding to the resource information to be processed from a plurality of pre-set multi-level tag templates;

[0100] For example, assume that multiple multi-level label templates have first-level labels A, B, and C, second-level labels A1, A2, and A3, and third-level labels A1 include A1-1 and A1-2. The at least one multi-level label corresponding to the filtered resource information to be processed can be all or part of the multiple multi-level label templates.

[0101] In an optional embodiment, the resource information to be disposed of is input into a label classification model to obtain at least one multi-level label corresponding to the resource information to be disposed of. The label classification model is trained based on multiple pre-set multi-level label templates. For example, multiple sample resource information items, such as the amount, debtor's credit rating, and regional economic development data, are individually labeled and then input into the label classification model for training.

[0102] S203, based on the resource information to be processed, determining the value of each multi-level tag corresponding to the resource information to be processed, wherein the value represents the value of the resource information to be processed at the current moment;

[0103] S204: Determine a disposal strategy for the resource information to be disposed of according to the value of each multi-level tag.

[0104] For example, if the resource to be disposed of is a non-performing debt asset, the value of each multi-level tag indicates low risk, and the debtor has a strong willingness to repay, then the disposal strategy could be negotiated repayment. If the resource to be disposed of is a non-performing real estate asset, the value of each multi-level tag indicates high risk, and the asset is in an undisposed state, then the disposal strategy could be auction.

[0105] Taking the resource information to be disposed of as non-performing assets as an example, the disposal strategy may include the disposal method (such as auction, bidding, agreement transfer, etc.), disposal time, disposal price, and expenses incurred during the disposal process (such as appraisal fees, litigation fees, agency fees), etc.

[0106] In an optional embodiment, when at least one multi-level tag corresponding to the resource information to be processed is a partial tag in multiple multi-level tag templates, after executing step S203 to determine the value of each multi-level tag of the resource information to be processed, as shown in FIG. Figure 3 As shown, the following steps may also be included:

[0107] S301, estimating the values ​​of the remaining tags except for some tags in a plurality of multi-level tag templates according to the value of each multi-level tag;

[0108] S302: Determine whether to update the disposal strategy of the resource information to be disposed based on the values ​​of the remaining tags;

[0109] If yes, then step S303 is executed to update the processing strategy of the resource information to be processed. If no, then step S204 is continued.

[0110] Optionally, assuming that the tag value of the resource information to be disposed of includes the repayment amount in the past specified time period and the financial change trend in the specified time period, the value of the credit record tag can be estimated. If the value of the credit record tag indicates that overdue repayment may occur in the next 1-30 days, then the disposal strategy can be updated based on the value of the estimated tag, such as requiring early repayment.

[0111] In an optional embodiment, before filtering at least one multi-level tag corresponding to the resource information to be processed, Figure 4 As shown, the following steps may also be included:

[0112] S401 determines whether there are associated tags between each of the multiple multi-level tag templates. If so, step S402 is executed to adjust the corresponding multi-level tags based on the associated tags, and step S403 is executed to determine the final versions of the multiple multi-level tag templates based on the adjusted multi-level tags. If not, step S202 is executed.

[0113] Specifically, according to the associated tag, a new tag associated with the associated tag is determined; the new tag is added to the corresponding multi-level tag; or the hierarchical structure of the associated tags in the corresponding multi-level tag is adjusted.

[0114] For example, assuming that there is an association relationship between the second-level tag A1 and the third-level tag A2-1, a new tag A4 can be determined based on the second-level tag A1 and the third-level tag A2-1, and the new tag A4 can be given the relevant physical meaning of the association relationship, and the hierarchical relationship of the new tag A4 can be determined, for example, it can be the same second-level tag as A1, or it can be the same third-level tag as A2-1.

[0115] Alternatively, the third-level tag A2 - 1 is adjusted from the second-level tag A2 to the second-level tag A1 to obtain a plurality of new multi-level tag templates after adjustment.

[0116] It should be noted that when data with unmatched tags appears in the resource information to be processed, tag association analysis can be used to determine the new tag corresponding to the data, so as to make the resource information to be processed more accurately analyzed and obtain a more appropriate processing strategy.

[0117] In an optional embodiment, the information of resources to be disposed of can also be monitored in real time. If the value of any multi-level tag of the resource information to be disposed of changes, the disposal strategy of the resource information to be disposed of is re-determined based on the changed value. For example, for non-performing assets, the data of the debtor's credit record tag suddenly deteriorates, which may be due to a recent large debt overdue. By communicating with the debtor about the phased repayment strategy, the disposal strategy can be adjusted in a timely manner. When new mortgages or pledges appear on non-performing assets, the disposal strategy also needs to be updated in a timely manner.

[0118] In an optional embodiment, after determining the disposal strategy for the resource information to be disposed of, the execution time of the disposal strategy for the resource information to be disposed of can also be obtained. If the execution time is greater than the preset time, the value of each multi-level tag corresponding to the resource information to be disposed of is re-determined, and then the disposal strategy for the resource information to be disposed of is re-determined based on the re-determined value of each multi-level tag.

[0119] Figure 5 A schematic diagram of the visualization interface provided by an embodiment of the present application is shown. The user can enter the resource information to be disposed of that needs to be queried in the display interface, and click the resource label classification button to label and classify the resource information to be disposed of. For example, enter "find real estate non-performing assets located in areas with rapid economic growth and with good credit of debtors." The user can also click the risk assessment button to generate a risk assessment report based on the classification results of the resource information labels to be disposed of. The risk assessment report may include the risk level of the resource information to be processed, the main risk factors, and the risk comparison with similar resource information. The user can also click the disposal strategy formulation button to generate a disposal strategy based on the classification results of the resource information labels to be disposed of.

[0120] It should be noted that the tag classification results of the pending resource information can be displayed according to the above-mentioned multi-level tag template structure. The visualization interface can also set up a historical query record of the pending resource information. The visualization interface can also be equipped with a sorting function to enable users to quickly obtain the valid information they need to query.

[0121] like Figure 6 As shown, based on the same inventive concept as the above-mentioned method for determining a resource disposal strategy, an embodiment of the present application further provides a device for determining a resource disposal strategy, including:

[0122] Receiving module 601, used to respond to received information about resources to be processed;

[0123] A screening module 602 is configured to screen at least one multi-level tag corresponding to the resource information to be processed from a plurality of pre-set multi-level tag templates; wherein the plurality of first-level tags of the plurality of multi-level tag templates include a resource attribute tag, a resource value tag, and a resource environment information tag, wherein the resource attribute tag represents the resource scale of the corresponding resource information, the resource value tag represents the credit assessment of the corresponding resource information, and the resource environment information tag represents the environmental value assessment of the corresponding resource information; and each first-level tag includes two level tags below the level to which it belongs;

[0124] The value determination module 603 is configured to determine, based on the resource information to be processed, a value of each multi-level tag corresponding to the resource information to be processed, wherein the value represents the value of the resource information to be processed at a current moment;

[0125] The processing strategy determination module 604 is configured to determine a processing strategy for the resource information to be processed according to the value of each multi-level tag.

[0126] As an optional implementation manner, when the at least one multi-level tag corresponding to the resource information to be handled is a partial tag in the multiple multi-level tag templates, the handling strategy determination module 604 is further configured to:

[0127] estimating the values ​​of the remaining tags in the plurality of multi-level tag templates except for the partial tags according to the value of each multi-level tag;

[0128] Determining whether to update the disposal strategy of the resource information to be disposed of according to the values ​​of the other remaining tags;

[0129] If so, the processing strategy of the resource information to be processed is updated.

[0130] As an optional implementation, the screening module 602 is further configured to:

[0131] Determine whether there is an associated tag between each of the multiple-level tags in the multiple multi-level tag templates;

[0132] If so, adjusting the corresponding multi-level tags according to the associated tags;

[0133] Final versions of multiple multi-level label templates are determined based on the adjusted multi-level labels.

[0134] As an optional implementation, the screening module 602 is specifically configured to:

[0135] According to the associated tag, determine a new tag associated with the associated tag; add the new tag to the corresponding multi-level tag; or,

[0136] Adjust the hierarchical structure of the associated tags in the corresponding multi-level tags.

[0137] As an optional implementation, the device further includes:

[0138] The resource information to be processed is monitored in real time. If the value of any multi-level tag of the resource information to be processed changes, a processing strategy for the resource information to be processed is re-determined based on the changed value.

[0139] As an optional implementation, the handling strategy determination module 604 is further configured to:

[0140] Obtaining the execution time of the disposal strategy for the resource information to be disposed;

[0141] If the execution time is greater than the preset time, re-determining the value of each multi-level tag corresponding to the resource information to be processed;

[0142] The processing strategy of the resource information to be processed is re-determined according to the re-determined value of each multi-level tag.

[0143] After introducing the method and apparatus for determining a resource handling policy according to an exemplary embodiment of the present application, an electronic device according to another exemplary embodiment of the present application is introduced next.

[0144] Those skilled in the art will appreciate that various aspects of the present application can be implemented as systems, methods, or program products. Therefore, various aspects of the present application can be specifically implemented in the following forms: a complete hardware implementation, a complete software implementation (including firmware, microcode, etc.), or an implementation that combines hardware and software aspects, which may be collectively referred to herein as a "circuit," "module," or "system."

[0145] In some possible implementations, an electronic device according to the present application may include at least one processor and at least one memory. The memory stores program code that, when executed by the processor, causes the processor to perform the steps of the method for determining a resource handling policy according to various exemplary embodiments of the present application described above in this specification. For example, the processor may perform the steps of the method for determining a resource handling policy.

[0146] Refer to the following Figure 7 The electronic device 130 according to this embodiment of the present application is described. Figure 7 The electronic device 130 shown is merely an example and should not limit the functions and scope of use of the embodiments of the present application.

[0147] like Figure 7 As shown, the electronic device 130 is a general electronic device. Components of the electronic device 130 may include, but are not limited to, the at least one processor 131, the at least one memory 132, and a bus 133 connecting different system components (including the memory 132 and the processor 131).

[0148] Bus 133 represents one or more of several types of bus structures, including a memory bus or memory controller, a peripheral bus, and a processor or local bus using any of a variety of bus architectures.

[0149] The memory 132 may include a readable medium in the form of a volatile memory, such as a random access memory (RAM) 1321 and / or a cache memory 1322 , and may further include a read-only memory (ROM) 1323 .

[0150] The memory 132 may also include a program / utility 1325 having a set (at least one) of program modules 1324, such program modules 1324 including, but not limited to, an operating system, one or more application programs, other program modules, and program data, each of which or some combination may include an implementation of a network environment.

[0151] The electronic device 130 may also communicate with one or more external devices 134 (e.g., a keyboard, pointing device, etc.), one or more devices that enable a user to interact with the electronic device 130, and / or any device that enables the electronic device 130 to communicate with one or more other electronic devices (e.g., a router, a modem, etc.). Such communication may occur via an input / output (I / O) interface 135. Furthermore, the electronic device 130 may also communicate with one or more networks (e.g., a local area network (LAN), a wide area network (WAN), and / or a public network such as the Internet) via a network adapter 136. As shown, the network adapter 136 communicates with other modules of the electronic device 130 via a bus 133. It should be understood that, although not shown, other hardware and / or software modules may be used in conjunction with the electronic device 130, including but not limited to microcode, device drivers, redundant processors, external disk drive arrays, RAID systems, tape drives, and data backup storage systems.

[0152] In an exemplary embodiment, a computer-readable storage medium including instructions is also provided, such as a memory 132 including instructions, which can be executed by the processor 131 to perform the above method. Alternatively, the computer-readable storage medium can be a ROM, a random access memory (RAM), a CD-ROM, a magnetic tape, a floppy disk, an optical data storage device, etc.

[0153] In an exemplary embodiment, a computer program product is further provided, including a computer program / instruction, which, when executed by the processor 131 , implements any of the methods for determining a resource handling policy provided in this application.

[0154] In an exemplary embodiment, various aspects of a method for determining a resource handling strategy provided by the present application can also be implemented in the form of a program product, which includes program code. When the program product is run on a computer device, the program code is used to enable the computer device to execute the steps of the method for determining a resource handling strategy according to various exemplary embodiments of the present application described above in this specification.

[0155] The program product may employ any combination of one or more readable media. The readable medium may be a readable signal medium or a readable storage medium. The 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 thereof. More specific examples of readable storage media (a non-exhaustive list) include: an electrical connection with one or more wires, a portable disk, a hard disk, a random access memory (RAM), a read-only memory (ROM), an erasable programmable read-only memory (EPROM or flash memory), an optical fiber, a portable compact disk read-only memory (CD-ROM), an optical storage device, a magnetic storage device, or any suitable combination thereof.

[0156] The program product for image scaling of the embodiment of the present application may be a portable compact disc read-only memory (CD-ROM) and include program code, and can be run on an electronic device. However, the program product of the present application is not limited thereto. In this document, a readable storage medium may be any tangible medium containing or storing a program that can be used by or in conjunction with an instruction execution system, apparatus, or device.

[0157] A readable signal medium may include a data signal propagated in baseband or as part of a carrier wave, which carries readable program code. Such propagated data signals may take a variety of forms, including, but not limited to, electromagnetic signals, optical signals, or any suitable combination thereof. A readable signal medium may also be any readable medium other than a readable storage medium that can transmit, propagate, or transfer a program for use by or in conjunction with an instruction execution system, apparatus, or device.

[0158] Program code embodied on a readable medium may be transmitted using any appropriate medium, including but not limited to wireless, wireline, optical fiber cable, RF, etc., or any suitable combination of the foregoing.

[0159] The program code for performing the operations of the present application can be written in any combination of one or more programming languages, including object-oriented programming languages ​​such as Java, C++, etc., and conventional procedural programming languages ​​such as "C" or similar programming languages. The program code can be executed entirely on the user electronic device, partially on the user device, as a separate software package, partially on the user electronic device and partially on a remote electronic device, or entirely on the remote electronic device or server. In cases involving remote electronic devices, the remote electronic device can be connected to the user electronic device through any type of network, including a local area network (LAN) or a wide area network (WAN), or can be connected to an external electronic device (for example, using an Internet service provider to connect through the Internet).

[0160] It should be noted that although several units or subunits of the device are mentioned in the detailed description above, this division is merely exemplary and not mandatory. In fact, depending on the embodiment of the application, the features and functions of two or more units described above can be embodied in a single unit. Conversely, the features and functions of a single unit described above can be further divided and embodied by multiple units.

[0161] Furthermore, although the operations of the method of the present application are described in a particular order in the accompanying drawings, this does not require or imply that the operations must be performed in this particular order, or that all illustrated operations must be performed to achieve the desired results. Additionally or alternatively, some steps may be omitted, multiple steps may be combined into one step, and / or one step may be decomposed into multiple steps.

[0162] Those skilled in the art will appreciate that the embodiments of the present application can be provided as methods, systems, or computer program products. Therefore, the present application can adopt the form of a complete hardware embodiment, a complete software embodiment, or an embodiment in combination with software and hardware. Moreover, the present application can adopt the form of a computer program product implemented on one or more computer-usable storage media (including but not limited to magnetic disk storage, CD-ROM, optical storage, etc.) that contain computer-usable program code.

[0163] The present application is described with reference to the flowcharts and / or block diagrams of the methods, devices (systems), and computer program products according to the embodiments of the present application. It should be understood that each process and / or box in the flowchart and / or block diagram, as well as the combination of the processes and / or boxes in the flowchart and / or block diagram, can be implemented by computer program instructions. These computer program instructions can be provided to a processor of a general-purpose computer, a special-purpose computer, an embedded processor, or other programmable image scaling device to produce a machine, so that the instructions executed by the processor of the computer or other programmable image scaling device generate instructions for implementing the processes in the flowchart and / or block diagram. Figure 1 a process or multiple processes and / or boxes Figure 1 A device that provides the functions specified in a block or multiple blocks.

[0164] These computer program instructions may also be stored in a computer readable memory capable of directing a computer or other programmable image scaling device to operate in a specific manner, so that the instructions stored in the computer readable memory produce an article of manufacture comprising an instruction device, the instruction device being implemented in the process Figure 1 a process or multiple processes and / or boxes Figure 1 The function specified in one or more boxes.

[0165] These computer program instructions may also be loaded onto a computer or other programmable image scaling device so that a series of operational steps are executed on the computer or other programmable device to produce a computer-implemented process, whereby the instructions executed on the computer or other programmable device provide for implementing the process described in the flow. Figure 1 a process or multiple processes and / or boxes Figure 1 A step that specifies a function in one or more boxes.

[0166] Although the preferred embodiments of the present application have been described, those skilled in the art may make additional changes and modifications to these embodiments once they have learned the basic creative concept. Therefore, the appended claims are intended to be interpreted as including the preferred embodiments and all changes and modifications that fall within the scope of the present application.

[0167] Obviously, those skilled in the art may make various changes and modifications to this application without departing from the spirit and scope of this application. Thus, if these modifications and variations of this application fall within the scope of the claims of this application and their equivalents, this application is intended to include these modifications and variations.

Claims

1. A method for determining a resource disposal strategy, characterized in that: include: Respond to the received resource information to be processed; Filter at least one multi-level label corresponding to the resource information to be disposed of from a plurality of pre-set multi-level label templates; wherein the plurality of first-level labels of the plurality of multi-level label templates include a resource attribute label, a resource value label, and a resource environment information label, wherein the resource attribute label represents the resource scale of the corresponding resource information, the resource value label represents the credit assessment of the corresponding resource information, and the resource environment information label represents the environmental value assessment of the corresponding resource information; each first-level label includes two level labels below the level to which it belongs; Based on the resource information to be processed, determining a value of each multi-level tag corresponding to the resource information to be processed, wherein the value represents the value of the resource information to be processed at a current moment; A processing strategy for the resource information to be processed is determined according to the value of each multi-level tag.

2. The method according to claim 1, wherein When the at least one multi-level tag corresponding to the resource information to be processed is a partial tag in the multiple multi-level tag templates, after determining the value of each multi-level tag of the resource information to be processed, the method further includes: estimating the values ​​of the remaining tags in the plurality of multi-level tag templates except for the partial tags according to the value of each multi-level tag; Determining whether to update the disposal strategy of the resource information to be disposed of according to the values ​​of the other remaining tags; If so, the processing strategy of the resource information to be processed is updated.

3. The method according to claim 1, wherein Before filtering the at least one multi-level tag corresponding to the to-be-processed resource information, the method further includes: Determine whether there is an associated tag between each of the multiple-level tags in the multiple multi-level tag templates; If so, adjusting the corresponding multi-level tags according to the associated tags; Final versions of multiple multi-level label templates are determined based on the adjusted multi-level labels.

4. The method according to claim 3, wherein The step of adjusting the corresponding multi-level tags according to the associated tags includes: According to the associated tag, determine a new tag associated with the associated tag; add the new tag to the corresponding multi-level tag; or, Adjust the hierarchical structure of the associated tags in the corresponding multi-level tags.

5. The method according to claim 1, wherein The method further comprises: The resource information to be processed is monitored in real time. If the value of any multi-level tag of the resource information to be processed changes, a processing strategy for the resource information to be processed is re-determined based on the changed value.

6. The method according to claim 1, wherein After determining the disposal strategy for the resource information to be disposed of, the method further includes: Obtaining the execution time of the disposal strategy for the resource information to be disposed; If the execution time is greater than the preset time, re-determining the value of each multi-level tag corresponding to the resource information to be processed; The processing strategy of the resource information to be processed is re-determined according to the re-determined value of each multi-level tag.

7. A device for determining a resource disposal strategy, characterized in that: include: A receiving module, configured to respond to received information about resources to be processed; A screening module is used to screen at least one multi-level label corresponding to the resource information to be processed from a plurality of pre-set multi-level label templates; wherein the plurality of first-level labels of the plurality of multi-level label templates include resource attribute labels, resource value labels, and resource environment information labels, wherein the resource attribute labels represent the resource scale of the corresponding resource information, the resource value labels represent the credit assessment of the corresponding resource information, and the resource environment information labels represent the environmental value assessment of the corresponding resource information; each first-level label includes two level labels below the level to which it belongs; a value determination module, configured to determine, based on the resource information to be processed, a value of each multi-level tag corresponding to the resource information to be processed, wherein the value represents the value of the resource information to be processed at a current moment; The processing strategy determination module is used to determine the processing strategy of the resource information to be processed according to the value of each multi-level tag.

8. An electronic device comprising a memory, a processor, and a computer program stored in the memory and executable by the processor, wherein: When the processor executes the computer program, the method according to any one of claims 1 to 6 is implemented.

9. A computer-readable storage medium, characterized in that The computer-readable storage medium stores a computer program, and the computer program is used to cause the computer to execute the method according to any one of claims 1 to 6.

10. A computer program product, characterized in that When the computer program product is called by a computer, the computer is caused to execute the method according to any one of claims 1 to 6.

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