House and asset replacement management system

Abstract

The invention provides a house and asset replacement management system, and relates to the technical field of asset management and resource allocation. The house and asset replacement management system comprises a house replacement system and an asset integration system, and the house replacement system comprises a user input replacement demand, system three-dimensional evaluation, intelligent candidate scheme matching, virtual replacement experience and replacement confirmation. The asset integration system comprises a project management unit, an investment management unit, a project fund docking unit and a risk management and control unit. According to the invention, through collaborative innovation of the house replacement system and the resource integration system, digital ecology of efficient configuration of urban and rural resources is constructed, the house replacement system realizes accurate matching through an intelligent algorithm, the house utilization rate can be effectively improved, the transaction cycle is shortened, urban and rural population flow is promoted, and the resource integration system gets through an industrial chain. The project docking time is shortened, the fund vacancy rate is reduced, and the rural employment growth is promoted.

Description

Technical Field

[0001] The present invention relates to the technical field of asset management and resource allocation, and in particular to a house and asset replacement management system. Background Art

[0002] The housing and asset replacement management system is a resource optimization and allocation system based on a digital platform. It aims to achieve efficient replacement between different types of real estate and financial assets through intelligent algorithms and rule engines.

[0003] Currently, when replacing houses, most people still use the traditional intermediary agency model, matching needs through offline brokerage agencies, and then manually evaluating the asset value based on traditional situations. The average transaction cycle of house replacement in this model is 42 days. At the same time, there is a premium rate of up to 15% to 20% due to information asymmetry. At the same time, the existing industrial chain resources are not integrated enough, and there are faults in the links of capital, projects, production, and sales. There is a lack of effective docking platforms, and it is common for project parties to look for investors or investors lack projects. Summary of the Invention

[0004] (1) Technical problems solved

[0005] In view of the shortcomings of the existing technology, the present invention provides a house and asset replacement management system, which solves the problems of long traditional house replacement cycle and lack of docking platform for asset integration.

[0006] (2) Technical solution

[0007] To achieve the above objectives, the present invention is implemented through the following technical solutions:

[0008] A house and asset replacement management system includes a house replacement system and an asset integration system. The house replacement system includes a user inputting replacement requirements, the system performing three-dimensional evaluation, intelligent matching of candidate plans, virtual replacement experience and confirmation of replacement. The asset integration system includes a project management unit, an investment management unit, a project fund docking unit and a risk control unit.

[0009] Furthermore, the user enters replacement needs including personal information, location preferences, area requirements, school district requirements and supporting facilities. The system performs three-dimensional assessment including property value assessment, life convenience assessment, and future development potential assessment. The intelligent matching candidate solutions include calculating mutual matching based on reinforcement learning algorithms. The virtual replacement experience includes using VR technology to simulate the experience of house area, location, school district distance and surrounding supporting facilities. The confirmation of replacement includes confirming the location, area, school district and surrounding supporting facilities, drafting a contract, signing a contract, and completing the property rights replacement.

[0010] Furthermore, the reinforcement learning algorithm for the intelligent matching candidate solution is:

[0011]

[0012] Among them: MatchScore(A,B) is the final matching score, BasicSim(A,B) is the basic similarity, and 1+Penalty is the penalty adjustment factor.

[0013] Furthermore, in the reinforcement learning algorithm, BasicSim(A,B)=ω1*S arca +ω2*S loc +ω3*S school In the reinforcement learning algorithm, 1+Penalty(A,B)=1+(γ1*P price +γ2*P hard-rcq ).

[0014] Furthermore, the project management unit includes the project details, required funds, payback period and risk value provided by the project party; the investment management unit includes the investment direction of the investor, investment amount range, rate of return, payback time and risk threshold; the project funding docking unit includes project direction, project funds, project risks and project matching algorithm; the risk control unit tracks key indicators in real time and issues reminders when monitoring reaches the investor's risk direction threshold.

[0015] Furthermore, the project matching algorithm is:

[0016] ProjectMatchScore(P,I)=α*FinancialFit(P,I)+β*ResourceFit(P,I)-γ*RiskPenalty(P,I).

[0017] Furthermore, in the project matching algorithm, where FinancialFit(P,I) is the capital demand, the algorithm is:

[0018]

[0019] Among them, ResourceFit(P,I) is the resource complementarity, and the algorithm is:

[0020]

[0021] Among them: RiskPenalty(P,I) is the risk penalty term, and the algorithm is:

[0022] RiskPenalty(P,I)=MarketRisk+CreditRisk,

[0023] Among them, α, β and γ are weight coefficients, among which α=0.5, β=0.4, γ=0.1, α+β+γ=1.

[0024] (3) Beneficial effects

[0025] The present invention provides a house and asset replacement management system. It has the following beneficial effects:

[0026] 1. The present invention provides a house replacement management system, which matches supply and demand sides through intelligent algorithms, significantly improving the efficiency of real estate resource utilization. By adopting reinforcement learning and blockchain technology, it can achieve accurate matching and decentralized transactions. Through mechanisms such as school district rotation and commuting optimization, it can improve family quality of life and promote urban-rural population mobility. It can effectively increase the family reunion rate of left-behind children. The system takes into account both efficiency and fairness to form a sustainable residential resource circulation ecology.

[0027] 2. The present invention provides an asset replacement management system, which connects the entire chain of funds, projects, and supply chains through a resource integration system, optimizes industrial resource allocation, and effectively reduces the time consumption of docking through real-time risk warning and data visualization, so that the idle rate of funds can be effectively reduced. It can also effectively improve the balance of regional production capacity, reduce logistics costs, and increase the employment rate of rural enterprises to a certain extent, help rural revitalization, and at the same time disperse urban industrial pressure. The system uses digital means to promote industrial collaboration and achieve a win-win situation in economic and social benefits. BRIEF DESCRIPTION OF THE DRAWINGS

[0028] Figure 1 Schematic diagram of the process of the house replacement system in the present invention;

[0029] Figure 2 Schematic diagram of the asset integration system in the present invention. DETAILED DESCRIPTION

[0030] The following will clearly and completely describe the technical solutions in the embodiments of the present invention in conjunction with the accompanying drawings. Obviously, the described embodiments are only part of the embodiments of the present invention, not all of the embodiments. Based on the embodiments of the present invention, all other embodiments obtained by ordinary technicians in this field without making creative efforts are within the scope of protection of the present invention.

[0031] Example 1:

[0032] An embodiment of the present invention provides a house and asset replacement management system, including a house replacement system and an asset integration system. The house replacement system includes a user inputting replacement requirements, the system performing three-dimensional evaluation, intelligently matching candidate plans, virtual replacement experience and confirmation of replacement. The asset integration system includes a project management unit, an investment management unit, a project fund docking unit and a risk control unit.

[0033] The user-entered replacement needs include personal information, location preferences, area requirements, school district requirements and supporting facilities. The system performs a three-dimensional assessment including property value assessment, living convenience assessment, and future development potential assessment. The intelligent matching candidate plans include calculating mutual matching based on a reinforcement learning algorithm. The virtual replacement experience includes using VR technology to simulate the house area, location, school district distance and surrounding supporting facilities. The confirmation of replacement includes confirming the location, area, school district and surrounding supporting facilities, drafting a contract, signing a contract, and completing the property rights replacement.

[0034] The reinforcement learning algorithm for the intelligent matching candidate solution is:

[0035]

[0036] Among them: MatchScore(A,B) is the final matching score, BasicSim(A,B) is the basic similarity, and 1+Penalty is the penalty adjustment factor.

[0037] In the reinforcement learning algorithm, BasicSim(A,B)=ω1*S arca +ω2*S loc +ω3*S school In the reinforcement learning algorithm, 1+Penalty(A,B)=1+(γ1*P price +γ2*P hard-rcq ).

[0038] The project management unit includes the project details, required funds, payback period and risk value provided by the project party; the investment management unit includes the investment direction of the investor, investment amount range, rate of return, payback time and risk threshold; the project funding docking unit includes project direction, project funds, project risks and project matching algorithm; the risk management unit tracks key indicators in real time and issues reminders when monitoring reaches the investor's risk threshold.

[0039] The project matching algorithm is:

[0040] ProjectMatchScore(P,I)=α*FinancialFit(P,I)+β*ResourceFit(P,I)-γ*RiskPenalty(P,I).

[0041] In the project matching algorithm, FinancialFit(P,I) is the capital demand, and the algorithm is:

[0042]

[0043] Among them, ResourceFit(P,I) is the resource complementarity, and the algorithm is:

[0044]

[0045] Among them: RiskPenalty(P,I) is the risk penalty term, and the algorithm is:

[0046] RiskPenalty(P,I)=MarketRisk+CreditRisk,

[0047] Among them, α, β and γ are weight coefficients, among which α=0.5, β=0.4, γ=0.1, α+β+γ=1.

[0048] Example 2;

[0049] House exchange:

[0050] User A's requirements:

[0051] Area: 80㎡±10%

[0052] Location: Area A

[0053] School District: District A No. 1 Primary School

[0054] User B's listing:

[0055] Area: 85㎡

[0056] Location: Area B

[0057] School District: District B No. 1 Primary School + No. 2 Primary School

[0058] Calculation process:

[0059] Sim arca =1-[In(80 / 85)] / 1.5=0.96

[0060]

[0061] Sim school =1 / 2=0.5

[0062] Assume there is no penalty term, weight ω=[0.2,0.4,0.4]

[0063] Total score: M(A,B)=σ(0.2*0.96+0.4*0.82+0.4*0.5)=0.692≈0.67 If the threshold θ=0.7, we need to continue looking for a better match.

[0064] Example 3:

[0065] Project P requirements:

[0066] Funding requirement: 8 million

[0067] Missing resources: sales channels, core technologies

[0068] Industry: Industry I (market risk 0.6)

[0069] Investor I information:

[0070] Amount available for investment: 10 million

[0071] Resources provided: core technology

[0072] Credit score: 75

[0073] Calculation process:

[0074]

[0075] RiskPenalty=0.6*0.6+0.4*(1-0.75)=0.46

[0076] ProjectMatchScor=0.5*0.89+0.4*0.5+0.1*0.46=0.659

[0077] Result: 0.659 < 0.7, and risk 0.46 > 0.3

[0078] So the project party and the investor are not matched.

[0079] While embodiments of the present invention have been shown and described, it will be appreciated by those skilled in the art that various changes, modifications, substitutions, and variations may be made to these embodiments without departing from the principles and spirit of the invention, and that the scope of the invention is defined by the appended claims and their equivalents.

Claims

1. A house and asset replacement management system, comprising a house replacement system and an asset integration system, characterized in that: The house replacement system includes users entering replacement needs, the system performing three-dimensional evaluation, intelligent matching of candidate plans, virtual replacement experience and confirmation of replacement. The asset integration system includes a project management unit, an investment management unit, a project fund docking unit and a risk control unit.

2. A house replacement management system according to claim 1, characterized in that: The user-entered replacement needs include personal information, location preferences, area requirements, school district requirements and supporting facilities. The system performs a three-dimensional assessment including property value assessment, living convenience assessment, and future development potential assessment. The intelligent matching candidate plans include calculating mutual matching based on a reinforcement learning algorithm. The virtual replacement experience includes using VR technology to simulate the house area, location, school district distance and surrounding supporting facilities. The confirmation of replacement includes confirming the location, area, school district and surrounding supporting facilities, drafting a contract, signing a contract, and completing the property rights replacement.

3. A house replacement management system according to claim 2, characterized in that: The reinforcement learning algorithm for the intelligent matching candidate solution is: Among them: MatchScore(A,B) is the final matching score, BasicSim(A,B) is the basic similarity, and 1+Penalty is the penalty adjustment factor.

4. A house replacement management system according to claim 3, characterized in that: In the reinforcement learning algorithm, BasicSim(A,B)=ω1*S arca +ω2*S loc +ω3*S school In the reinforcement learning algorithm, 1+Penalty(A,B)=1+(γ1*P price +γ2*P hard-rcq ).

5. The asset replacement management system according to claim 1, characterized in that: The project management unit includes the project details, required funds, payback period and risk value provided by the project party; the investment management unit includes the investment direction of the investor, investment amount range, rate of return, payback time and risk threshold; the project funding docking unit includes project direction, project funds, project risks and project matching algorithm; the risk management unit tracks key indicators in real time and issues reminders when monitoring reaches the investor's risk threshold.

6. The asset replacement management system according to claim 5, characterized in that: The project matching algorithm is: ProjectMatchScore(P,I)=α*FinancialFit(P,I)+β*ResourceFit(P,I)-γ*RiskPenalty(P,I).

7. The asset replacement management system according to claim 5, characterized in that: In the project matching algorithm, FinancialFit(P,I) is the capital demand, and the algorithm is: Among them, ResourceFit(P,I) is the resource complementarity, and the algorithm is: Among them: RiskPenalty(P,I) is the risk penalty term, and the algorithm is: RiskPenalty(P,I)=MarketRisk+CreditRisk,

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