Resource exchange strategy acquisition method and device, equipment, medium and program product

Abstract

The invention provides a resource exchange strategy acquisition method and device, equipment, a medium and a program product, relates to the technical field of business management and control, and can solve the problem that accurate and efficient risk management and control cannot be carried out on factoring business without a tracing right. The specific technical scheme is as follows: constructing a vector network diagram of a target service; calculating the proportion of each edge entity in the resource exchange of the core entity based on the resource exchange numerical value between the core entity and each edge entity; calculating a contribution degree value based on the proportion of each edge entity in the resource exchange of the core entity, at least one type of element cost of the core entity and the reference cost sequence; calculating a first risk probability value of each edge entity and a second risk probability value of the core entity; and based on the contribution degree value and the first risk probability value and the second risk probability value of each side entity, calculating a credit support quota reference value of each side entity to generate a resource exchange strategy of each side entity. The method is used for carrying out risk management and control on the business.

Description

Technical Field

[0001] This application relates to the field of business management technology, and in particular to a method, apparatus, device, medium and program product for obtaining resource exchange strategies. Background Technology

[0002] Factoring, especially non-recourse factoring, is typically a crucial tool in modern supply chain finance. In non-recourse factoring transactions between the supplier and the core enterprise, the core enterprise's credit line is utilized, and the bank, as the guarantor, has an advance payment obligation. Therefore, strict and effective risk management is essential for the scale of non-recourse factoring transactions involving the core enterprise and the supplier.

[0003] In existing technologies, risk management solutions typically involve the following: for non-recourse factoring transactions between different suppliers and the same core enterprise, risk approval personnel manually and subjectively determine the risk guarantee limit. When initiating a non-recourse factoring transaction, the system verifies whether the core enterprise's credit line and the corresponding supplier's risk guarantee limit are sufficient and valid. After the transaction is established, the amount of the receivable will simultaneously and equally occupy the core enterprise's credit line and the supplier's risk guarantee limit. Ultimately, the size of a single transaction is limited to the minimum of the credit line and the risk guarantee limit.

[0004] However, existing risk management methods rely on subjective human judgment to set risk guarantee limits, resulting in a single risk management approach that cannot provide accurate and efficient risk management for non-recourse factoring business. Summary of the Invention

[0005] This application provides a method, apparatus, device, medium, and program product for obtaining resource exchange strategies, which can perform accurate and efficient risk management for non-recourse factoring business.

[0006] To achieve the above objectives, the embodiments of this application adopt the following technical solutions: Firstly, a method for obtaining resource exchange strategies is provided. This method includes: constructing a vector network graph of a target business, the vector network graph including a core entity, at least one edge entity, and resource exchange values ​​between the core entity and each edge entity; calculating the proportion of each edge entity in the resource exchange of the core entity based on the resource exchange values ​​between the core entity and each edge entity; calculating the contribution value of at least one edge entity to the core entity based on the proportion of each edge entity in the resource exchange of the core entity, at least one type of factor cost of the core entity, and a reference cost sequence, the reference cost sequence including the reference average cost corresponding to at least one type of factor cost; calculating a first risk probability value for each edge entity based on the resource exchange parameter information of at least one edge entity, and calculating a second risk probability value for the core entity based on the resource information of the core entity; calculating a credit support limit benchmark value for each edge entity based on the contribution value, the first risk probability value, and the second risk probability value; and generating a resource exchange strategy for each edge entity based on the credit support limit benchmark value.

[0007] In the resource exchange strategy acquisition method of this application embodiment, the contribution value is obtained by calculating the proportion of resource exchange of edge entities among all core entities. This allows other edge entities in the entity chain network to influence the contribution of the current entity. All directly related nodes in the entity chain network are integrated into a model system, and a reference value is introduced as the basis for setting the quota to increase the accuracy of the quota setting. Then, the support quota benchmark value is calculated through the model system. A benchmark value calculation model is constructed by the contribution of edge entities to core entities, the delivery default risk of edge entities, and the repayment default risk of core entities. The calculation is based on real-time resource exchange values. The quota benchmark value and strategy can be dynamically adjusted. Each edge entity obtains a tailor-made strategy, resulting in extremely high resource allocation efficiency. In this way, risk management through benchmark values ​​can achieve accurate and efficient risk management for non-recourse factoring business.

[0008] In one possible implementation of the first aspect, the calculation of the contribution value of at least one edge entity to the core entity based on the proportion of each edge entity in the resource exchange of the core entity, the cost of at least one type of element of the core entity, and the reference cost sequence includes: obtaining the cost of at least one type of element of the core entity, the reference cost sequence, the first difference, and the second difference, wherein the first difference is the largest difference between the cost of at least one type of element and the corresponding reference average cost, and the second difference is the smallest difference between the cost of at least one type of element and the corresponding reference average cost; calculating the correlation coefficient of each type of element of the core entity based on the cost of at least one type of element of the core entity, the reference cost sequence, the first difference, and the second difference; calculating the weight value of at least one type of element based on the correlation coefficient of each type of element of the core entity; and calculating the contribution value of at least one edge entity to the core entity based on the proportion of each edge entity in the resource exchange of the core entity and the weight value of at least one type of element.

[0009] In this way, by considering the contribution of the peripheral entities, the industry type, and the risks of both the peripheral and core entities, the value exchange between the peripheral and core entities and the resulting value contribution become quantifiable credit credentials, increasing the comprehensiveness of risk control. That is, by using the value contribution dimension of the peripheral entities to the competitive advantage of the core entities, credit assessment becomes more accurate and fair, and the final resource allocation strategy becomes more in line with the actual situation of the core entities, thereby improving the accuracy of risk management.

[0010] In another possible implementation of the first aspect, the above-mentioned calculation of the weight value of at least one type of element based on the correlation coefficient of each type of element of the core entity includes: sorting the at least one type of element of the core entity based on the correlation coefficient of each type of element of the core entity, and normalizing the correlation coefficient of each type of element of the core entity to obtain the weight value of at least one type of element.

[0011] In this way, by normalizing the correlation coefficients of each type of element of the core entity, the weight values ​​of different periods and different elements are consistent and comparable, thereby ensuring the accuracy of the calculation of the contribution value of the edge entity to the core entity, and thus achieving the precision of business risk management.

[0012] In another possible implementation of the first aspect, the above-mentioned calculation of a first risk probability value for each edge entity based on the resource exchange parameter information of at least one edge entity, and the calculation of a second risk probability value for the core entity based on the resource information of the core entity, includes: using a logistic regression model to calculate the first risk probability value for each edge entity based on the resource exchange parameter information of each edge entity and the regression coefficients corresponding to the resource exchange parameter information, wherein the regression coefficients corresponding to each edge entity are obtained based on the resource exchange data between each edge entity and other core entities; and using a logistic regression model to calculate the second risk probability value for the core entity based on the resource information of the core entity and the regression coefficients corresponding to the resource information.

[0013] In this way, by introducing resource exchange data between edge entities and other core entities to train their logistic regression coefficients, and considering the influence of the entities at both ends of the edge entity, a comprehensive risk assessment is conducted, which greatly improves the accuracy of risk assessment. Furthermore, the first risk probability value can accurately quantify the individual default risk of each edge entity, and the second risk probability value can accurately assess the operational risk of the core entity itself, thus achieving an accurate assessment of the true risk of the edge entity.

[0014] In another possible implementation of the first aspect, the calculation of the credit support limit benchmark value for each edge entity based on the contribution value, the first risk probability value and the second risk probability value for each edge entity includes: calculating the third difference between the contribution value and the second risk probability value; and calculating the credit support limit benchmark value for each edge entity based on the first risk probability value, the third difference and the resource exchange limit value of the core entity.

[0015] In this way, by combining the contribution value, the delivery risk probability value of the edge entity, the repayment risk probability value of the core entity, and the resource exchange limit value of the core entity, we can obtain the amount that the core entity cannot repay under expected default conditions, the maximum guarantee amount that the core entity's resource exchange limit can be allocated to the edge entity, and the level at which the edge entity can complete the delivery of goods. This achieves refined resource management under total control, based on systemic risk adjustment, and weighted allocation according to individual net contribution and individual risk.

[0016] In another possible implementation of the first aspect, generating a resource exchange strategy for each edge entity based on the credit support limit benchmark value of each edge entity includes: when the resource exchange limit value of the core entity is greater than a first threshold and the first credit support limit benchmark value of the first edge entity is greater than a second threshold, generating a resource exchange strategy for the first edge entity based on the total resource exchange value of the target business, the resource exchange value already used by the first edge entity in the total resource exchange value, and the first credit support limit benchmark value, wherein the first edge entity is any one of at least one edge entity.

[0017] In this way, the credit support limit is set based on the benchmark value of the credit support limit. Risk management is carried out by combining the benchmark value of the credit support limit with the resource exchange limit and the credit support limit. The two independent limits of the resource exchange limit and the credit support limit are linked, thereby enabling precise and efficient risk management of non-recourse factoring business.

[0018] In another possible implementation of the first aspect, the above-mentioned generation of the resource exchange strategy for the first-side entity based on the total resource exchange value of the target business, the resource exchange value already used by the first-side entity in the total resource exchange value, and the first credit support limit benchmark value includes: if the sum of the total resource exchange value and the used resource exchange value is greater than the first credit support limit benchmark value, then the credit support limit of the first-side entity is increased to update the first credit support limit benchmark value; and a prompt message is generated based on the total resource exchange value, the used resource exchange value, and the updated first credit support limit benchmark value, which is used to prompt the resource exchange strategy of the first-side entity.

[0019] In this way, even if the resource exchange quota and credit support quota of the side entities are sufficient, the business can be prompted to introduce other resource exchange quotas, such as third-party guarantees, to expand the quota. Based on the total business amount, the used quota, and the updated higher quota benchmark, a prompt message is generated as a resource exchange strategy to achieve accurate and efficient risk control for non-recourse factoring business.

[0020] In another possible implementation of the first aspect, the generation of prompt information based on the total resource exchange value, the used resource exchange value, and the updated first credit support limit benchmark value includes: if the sum of the total resource exchange value and the used resource exchange value is less than or equal to the second credit support limit benchmark value, then the credit support limit benchmark value of the first-side entity is updated; based on the updated credit support limit benchmark value of the first-side entity, a corresponding prompt information is generated, wherein the second credit support limit benchmark value is the sum of the first credit support limit benchmark value and the increased credit support limit, and the prompt information is used to indicate that there is a business risk for the first-side entity.

[0021] In this way, if the amount is still insufficient after introducing other quotas, business can still be processed. The system will also provide early warnings to remind business personnel that there are certain risks associated with the transaction, so as to effectively manage the business risks of the counterparty.

[0022] In another possible implementation of the first aspect, the above-mentioned generation of corresponding prompt information based on the updated credit support limit benchmark value of the first-side entity includes: if the updated credit support limit benchmark value of the first-side entity is less than the used resource exchange value, then a first-level prompt information is generated.

[0023] In this way, the contribution level of side entities, the delivery risk of side entities, and the repayment risk of core entities are updated regularly. The benchmark value of credit support limit is recalculated, and a tiered warning is issued after determining whether the benchmark value of credit support limit is lower than the existing limit or lower than a certain percentage of the total limit. When the benchmark value of credit support limit is less than the amount of resources exchanged that have been used, it indicates that there is a high possibility that the non-recourse transaction will require payment on behalf of the core enterprise. The transaction carries a high risk and requires timely measures. The first-level warning information can effectively warn of this risk.

[0024] In another possible implementation of the first aspect, generating corresponding prompt information based on the updated credit support limit benchmark value of the first-side entity includes: generating a first-level prompt information if the updated credit support limit benchmark value of the first-side entity is greater than or equal to the used resource exchange value and less than the total resource exchange value of the target business at a first proportion; generating a second-level prompt information if the updated credit support limit benchmark value of the first-side entity is greater than or equal to the total resource exchange value of the target business at a preset proportion and less than the total resource exchange value of the second proportion; generating a third-level prompt information if the updated credit support limit benchmark value of the first-side entity is greater than or equal to the total resource exchange value of the second proportion and less than the total resource exchange value of the third proportion; wherein the first proportion is less than the second proportion, and the second proportion is less than the third proportion; the first level is higher than the second level, and the second level is higher than the third level.

[0025] Thus, when the credit support limit benchmark of the first-side entity is greater than or equal to the used resource exchange value, but less than the total resource exchange value of the first proportion of the target business, it indicates that there is a high possibility that the non-recourse business will require payment on behalf of the core enterprise. The business has a high risk and measures need to be taken in a timely manner. The first-level prompt information can effectively warn of this risk. When the credit support limit benchmark of the first-side entity is greater than or equal to the total resource exchange value of the preset proportion of the target business, but less than the total resource exchange value of the second proportion, it indicates that there is a certain gap between the total amount and the benchmark value. The scale of the non-recourse business for this customer needs to be controlled to a certain extent. The second-level prompt information can effectively warn of this risk. When the credit support limit benchmark of the first-side entity is greater than or equal to the total resource exchange value of the second proportion, but less than the total resource exchange value of the third proportion, it indicates that there is a small gap between the total amount and the benchmark value. When processing the business, it will prompt the addition of a third-party credit limit. The second-level prompt information can effectively warn of this risk.

[0026] Secondly, a resource exchange strategy acquisition device is provided, comprising: a construction module, an acquisition module, and a generation module; the construction module is used to construct a vector network graph of the target business, the vector network graph including a core entity, at least one edge entity, and resource exchange values ​​between the core entity and each edge entity; the acquisition module is used to calculate the proportion of each edge entity in the resource exchange of the core entity based on the resource exchange values ​​between the core entity and each edge entity; the acquisition module is further used to calculate the proportion of each edge entity in the resource exchange of the core entity, at least one type of factor cost of the core entity, and a reference cost sequence. The system calculates the contribution value of at least one edge entity to the core entity, and the reference cost sequence includes the reference average cost corresponding to at least one type of factor cost; the acquisition module is also used to calculate the first risk probability value of each edge entity based on the resource exchange parameter information of at least one edge entity, and calculate the second risk probability value of the core entity based on the resource information of the core entity; the acquisition module is also used to calculate the credit support limit benchmark value of each edge entity based on the contribution value, the first risk probability value and the second risk probability value of each edge entity; the generation module is used to generate the resource exchange strategy of each edge entity based on the credit support limit benchmark value of each edge entity.

[0027] It should be noted that the beneficial effects of the resource exchange strategy acquisition device can be found in the relevant description of the beneficial effects of the resource exchange strategy acquisition method described above, and will not be repeated here to avoid repetition.

[0028] Thirdly, an electronic device is provided, the method comprising: a memory and at least one processor. The memory is communicatively connected to the processor. The memory is used to store computer program code, the computer program code including computer instructions. When the processor executes the computer instructions, it causes the electronic device to perform the method as described in the first aspect and any possible implementation thereof.

[0029] Fourthly, embodiments of this application provide a computer-readable storage medium storing computer instructions. When executed by a processor, these computer instructions are used to implement the method described in the first aspect and any possible implementation thereof.

[0030] Fifthly, embodiments of this application provide a computer program product that, when run on a computer or executed by a computer's processor, implements the method described in the first aspect and any possible design thereof. The computer may be the electronic device described in the third aspect and any possible implementation thereof.

[0031] It is understood that the beneficial effects achieved by the apparatus of the second aspect, the electronic device of the third aspect, the computer-readable storage medium of the fourth aspect, and the computer program product of the fifth aspect provided above can be referred to as the beneficial effects of the first aspect and any possible implementation thereof, which will not be repeated here. Attached Figure Description

[0032] Figure 1 A flowchart illustrating a method for obtaining a resource exchange strategy provided in an embodiment of this application; Figure 2 This application provides a schematic diagram of the structure of a supply chain network model. Figure 3 A flowchart illustrating another method for obtaining resource exchange strategies provided in this application embodiment; Figure 4 A flowchart illustrating another method for obtaining resource exchange strategies provided in this application embodiment; Figure 5 A flowchart illustrating another method for obtaining resource exchange strategies provided in this application embodiment; Figure 6 A flowchart illustrating another method for obtaining resource exchange strategies provided in this application embodiment; Figure 7 A schematic diagram illustrating the execution flow of generating a resource exchange strategy, provided as an embodiment of this application; Figure 8 A schematic diagram illustrating the execution flow of another resource exchange strategy provided in this application embodiment; Figure 9 A flowchart illustrating another method for obtaining resource exchange strategies provided in this application embodiment; Figure 10 A schematic diagram of a resource exchange strategy acquisition device provided in an embodiment of this application; Figure 11 This is a schematic diagram of the structure of an electronic device provided in an embodiment of this application. Detailed Implementation

[0033] Hereinafter, the terms "first" and "second" are used for descriptive purposes only and should not be construed as indicating or implying relative importance or implicitly specifying the number of technical features indicated. Thus, a feature defined as "first" or "second" may explicitly or implicitly include one or more of that feature. In the description of this embodiment, unless otherwise stated, "a plurality of" means two or more.

[0034] Exemplary embodiments will now be described in detail, examples of which are illustrated in the accompanying drawings. When the following description relates to the drawings, unless otherwise indicated, the same numbers in different drawings represent the same or similar elements. The embodiments described in the following exemplary embodiments do not represent all embodiments consistent with this application. Rather, they are merely examples of apparatuses and methods consistent with some aspects of this application as detailed in the appended claims.

[0035] The technical solutions provided in this application, including the collection, storage, use, processing, transmission, provision, and disclosure of financial data or user data, comply with relevant laws and regulations and do not violate public order and good morals.

[0036] It should be noted that in the embodiments of this application, certain software, components, models and other existing solutions in the industry may be mentioned. These should be regarded as exemplary and are only intended to illustrate the feasibility of implementing the technical solution of this application. However, it does not mean that the applicant has used or necessarily used the solution.

[0037] The resource exchange strategy acquisition device and the resource exchange strategy acquisition method applicable to the resource exchange strategy acquisition device provided in this application will be explained and described below with reference to the accompanying drawings and through specific embodiments and application scenarios.

[0038] The embodiments of this application can be applied to scenarios involving risk management of resource exchanges between entities. Specifically, they can be applied to scenarios involving risk management of non-recourse factoring transactions.

[0039] For example, in a non-recourse factoring model, the supplier transfers its accounts receivable from the core enterprise (buyer) to a bank. After acquiring the accounts receivable, the bank pays the supplier and subsequently waives its right of recourse against the supplier. That is, if the accounts receivable cannot be recovered due to the core enterprise's credit problems (such as bankruptcy or inability to pay), the bank assumes the bad debt loss itself. Because the bank bears the credit risk of the core enterprise, the common method to manage this risk is to utilize the core enterprise's credit line, which is the core means for banks to control and manage the core enterprise's credit risk.

[0040] In factoring transactions, the supplier and the core enterprise engage in non-recourse factoring, which requires the core enterprise, as the buyer, to utilize its credit line, and the bank, as the guarantor, has an advance payment obligation. Therefore, risk management is necessary for the scale of non-recourse factoring transactions between the buyer and seller.

[0041] In traditional methods, credit risk guarantee limits between different suppliers and the core enterprise are set subjectively and manually. When conducting non-recourse factoring, the existence of both the credit limit and the risk guarantee limit is verified. Non-recourse factoring transfers accounts receivable, using the credit limit and risk guarantee limit separately based on the outstanding balance, with the transaction size not exceeding the smaller of the two. Therefore, the traditional method suffers from the following problems: no reference value is set for the guarantee limit; the guarantee limits for different suppliers are independent; there is no correlation between the guarantee limit and the credit limit; no advice can be provided regarding the use of the credit limit; and risk control measures are limited. Thus, the traditional method cannot provide accurate and efficient risk management for non-recourse factoring.

[0042] This application provides a method for obtaining resource exchange strategies. This method can be applied to a resource exchange strategy obtaining device or an electronic device. The following illustration uses a resource exchange strategy obtaining device executing the method as an example. Figure 1 As shown, the resource exchange strategy acquisition method may include the following steps 201 to 206.

[0043] Step 201: The resource exchange strategy acquisition device constructs a vector network graph of the target service.

[0044] In some embodiments of this application, the vector network graph described above includes a core entity, at least one edge entity, and resource exchange values ​​between the core entity and each edge entity.

[0045] In some embodiments of this application, the aforementioned target business can be factoring business. For example, factoring business can be non-recourse factoring business.

[0046] In some embodiments of this application, the core entity can be a core enterprise. The edge entity can be a goods supplier. The resource exchange value can be the trade amount.

[0047] For example, such as Figure 2 The diagram shown is a structural schematic of a supply chain network model provided in an embodiment of this application. The supply chain network can be represented by a vector graph, with the central node being the core enterprise and the edges representing trade. Here, V0 is the core enterprise, V1, V2, V3, and V4 are the goods suppliers, and e represents the average annual trade amount between the core enterprise and the goods suppliers.

[0048] Step 202: The resource exchange strategy acquisition device calculates the proportion of each edge entity in the resource exchange of the core entity based on the resource exchange values ​​between the core entity and each edge entity.

[0049] In some embodiments of this application, the resource exchange strategy acquisition device may use the following formula 1 to calculate the proportion of the edge entity in the resource exchange of the core entity: Formula 1 in, Indicates the edge entity / goods supplier The proportion of trade in core entities / core enterprises express and Resource exchange values ​​ / average annual trade amount between them.

[0050] Step 203: The resource exchange strategy acquisition device calculates the contribution value of at least one edge entity to the core entity based on the proportion of each edge entity in the resource exchange of the core entity, the cost of at least one type of factor of the core entity, and the reference cost sequence.

[0051] In some embodiments of this application, the reference cost sequence mentioned above includes reference average costs corresponding to at least one type of factor cost.

[0052] In some embodiments of this application, considering only the average annual trade volume percentage does not reflect the true level of contribution of goods suppliers to the core enterprise. Different industry types of goods suppliers supply different types of resources, resulting in varying trade impacts on the core enterprise. Based on the different industry types and trade backgrounds of all goods suppliers to the core enterprise, and assuming that the core enterprise's production factors are divided into five categories—raw materials, technology, packaging, labor, and sales—the five factors can be ranked and weighted using an expert method, or the weights can be calculated using grey relational analysis.

[0053] In some embodiments of this application, combined with Figure 1 ,like Figure 3 As shown, step 203 can be implemented through steps 203a to 203d as described below.

[0054] Step 203a: The resource exchange strategy acquisition device acquires at least one type of element cost, reference cost sequence, first difference, and second difference of the core entity.

[0055] In some embodiments of this application, the first difference is the maximum difference between the cost of at least one type of factor and the corresponding reference average cost. The second difference is the minimum difference between the cost of at least one type of factor and the corresponding reference average cost.

[0056] In some embodiments of this application, the resource exchange strategy acquisition device can statistically analyze the costs of five types of factors in core enterprises. And the average cost of five factors for core enterprises of the same size and type. This serves as the reference sequence obtained in the grey relational analysis method, and represents the maximum difference between the average cost of these five types of factors and the average cost. and minimum difference , where i represents the i-th type of element.

[0057] Step 203b: The resource exchange strategy acquisition device calculates the correlation coefficient of each type of element of the core entity based on at least one type of element cost, reference cost sequence, first difference and second difference.

[0058] In some embodiments of this application, the resource exchange strategy acquisition device can be configured with a resolution coefficient of 0.5 based on the grey relational analysis method. Then, the correlation coefficient of the i-th type of element of the core enterprise... Calculate using the following formula 2: Formula 2 Step 203c: The resource exchange strategy acquisition device calculates the weight value of at least one type of element based on the correlation coefficient of each type of element of the core entity.

[0059] In some embodiments of this application, step 203c can be specifically implemented by step 203c1 as described below.

[0060] Step 203c1: The resource exchange strategy acquisition device sorts at least one type of element of the core entity based on the correlation coefficient of each type of element of the core entity, and normalizes the correlation coefficient of each type of element of the core entity to obtain the weight value of at least one type of element.

[0061] In some embodiments of this application, the resource exchange strategy acquisition device can obtain the strategy based on the correlation coefficient. The elements are sorted and normalized to obtain the weights of the t-th type of elements. Formula 3 as follows: Formula 3 In this way, by normalizing the correlation coefficients of each type of element of the core entity, the weight values ​​of different periods and different elements are consistent and comparable, thereby ensuring the accuracy of the calculation of the contribution value of the edge entity to the core entity, and thus achieving the precision of business risk management.

[0062] Step 203d: The resource exchange strategy acquisition device calculates the contribution value of at least one edge entity to the core entity based on the proportion of each edge entity in the resource exchange of the core entity and the weight value of at least one type of element.

[0063] In some embodiments of this application, after obtaining the weights of different industry types, the resource exchange strategy acquisition device obtains the corresponding element weights based on the industry to which the goods supplier belongs. The contribution G of the goods supplier to the core enterprise, calculated by weighting the trade relations of the core enterprise, is as follows: Formula 4: Formula 4 In some embodiments of this application, if the core enterprise has a single type of goods supplier, then the factor weight... When the value is 1, the contribution G is the proportion of the core enterprise's trade. .

[0064] In this way, by considering the contribution of the peripheral entities, the industry type, and the risks of both the peripheral and core entities, the value exchange between the peripheral and core entities and the resulting value contribution become quantifiable credit credentials, increasing the comprehensiveness of risk control. That is, by using the value contribution dimension of the peripheral entities to the competitive advantage of the core entities, credit assessment becomes more accurate and fair, and the final resource allocation strategy becomes more in line with the actual situation of the core entities, thereby improving the accuracy of risk management.

[0065] Step 204: The resource exchange strategy acquisition device calculates the first risk probability value of each edge entity based on the resource exchange parameter information of at least one edge entity, and calculates the second risk probability value of the core entity based on the resource information of the core entity.

[0066] In some embodiments of this application, the above contribution value is an impact analysis of the edge in the supply chain network, without considering the impact of the nodes at both ends of the edge themselves. Then, the resource exchange strategy acquisition device can combine the impact on the point, namely the delivery risk of the goods supplier node (i.e., the first risk probability value) and the repayment risk of the core enterprise node (the second risk probability value), to conduct a comprehensive risk assessment.

[0067] In some embodiments of this application, step 204 can be specifically implemented by steps 204a and 204b as described below.

[0068] Step 204a: The resource exchange strategy acquisition device uses a logistic regression model to calculate the first risk probability value of each edge entity based on the resource exchange parameter information of each edge entity and the regression coefficients corresponding to the resource exchange parameter information.

[0069] In some embodiments of this application, the regression coefficients corresponding to each edge entity are obtained based on resource exchange data between each edge entity and other core entities.

[0070] In some embodiments of this application, the aforementioned resource exchange parameter information (i.e., the parameter information of the goods supplier) includes at least one of the following: The total number of trades between the two parties x1 represents the historical total number of trades between the goods supplier and the other party's company. Delivery distance x2, the transportation distance required for a single trade delivery; Average delivery delay time x3, the average delivery delay time of the goods supplier; Delivery pressure X4, the ratio of cargo size to the specified delivery time, represents the delivery pressure on the supplier.

[0071] In some embodiments of this application, the resource exchange strategy acquisition device can use a logistic regression model and maximum likelihood estimation to calculate the delivery risk J of the goods supplier node t. t This is the first risk probability value, and the specific calculation method is shown in Formula 5 below: Formula 5 In some embodiments of this application, the resource exchange strategy acquisition device can combine supply and trade data between the goods supplier and other enterprises, and use gradient descent to solve the maximum likelihood estimation to obtain regression coefficients. , , , , .

[0072] In some embodiments of this application, the probability of delivery risk is inversely proportional to the number of trades between the two parties X1, directly proportional to the delivery distance X2, directly proportional to the average delivery delay time X3, and directly proportional to the delivery pressure X4.

[0073] Step 204b: The resource exchange strategy acquisition device uses a logistic regression model to calculate the second risk probability value of the core entity based on the resource information of the core entity and the regression coefficients corresponding to the resource information.

[0074] In some embodiments of this application, the resource information of the aforementioned core entity may include at least one of the following: The current ratio (CR) represents a company's cash flow. The quick ratio (QR) also indicates a company's short-term solvency. The debt ratio (DR) indicates a company's debt pressure and the stability of its financial structure. The Interest Coverage Ratio (ICR) represents a company's ability to pay interest. Account Payable Turnover Rate (APTR) indicates the urgency with which a company needs to repay debts owed to other suppliers.

[0075] In some embodiments of this application, the repayment risk C of the core enterprise node is the predicted default probability PD of the core enterprise, which can be obtained by the resource exchange strategy acquisition device through logistic regression combined with financial ratio analysis. The specific calculation method is shown in Formula 6 below: Formula 6 in, , , , , , This represents the regression coefficient corresponding to the resource information.

[0076] In this way, by introducing resource exchange data between edge entities and other core entities to train their logistic regression coefficients, and considering the influence of the entities at both ends of the edge entity, a comprehensive risk assessment is conducted, which greatly improves the accuracy of risk assessment. Furthermore, the first risk probability value can accurately quantify the individual default risk of each edge entity, and the second risk probability value can accurately assess the operational risk of the core entity itself, thus achieving an accurate assessment of the true risk of the edge entity.

[0077] Step 205: The resource exchange strategy acquisition device calculates the credit support limit benchmark value for each edge entity based on the contribution value, the first risk probability value and the second risk probability value of each edge entity.

[0078] In some embodiments of this application, the resource exchange strategy acquisition device can allocate credit limits by combining the trade contribution G between the goods supplier and the core enterprise, the goods supplier node delivery risk J, and the core enterprise node repayment risk C obtained above, with the core enterprise's resource exchange limit value / credit limit CL, and calculate the benchmark value SL of the credit support limit / credit guarantee limit for the goods supplier's non-recourse factoring.

[0079] In some embodiments of this application, combined with Figure 1 ,like Figure 4 As shown, step 205 can be implemented through steps 205a and 205b as described below.

[0080] Step 205a: The resource exchange strategy acquisition device calculates the third difference between the contribution value and the second risk probability value.

[0081] Step 205b: The resource exchange strategy acquisition device calculates the credit support limit benchmark value for each edge entity based on the first risk probability value, the third difference value, and the resource exchange limit value of the core entity.

[0082] In some embodiments of this application, the resource exchange strategy acquisition device may use the following formula 7 to calculate the credit support limit benchmark value for each edge entity: Formula 7 Wherein, the values ​​of G, J, and C are all in the range of [0,1]. CL*C represents the amount that the core enterprise cannot repay under the expected default, G*CL represents the maximum guarantee amount that the core enterprise's credit line can allocate to the goods supplier, and 1-J represents the level at which the goods supplier can complete the delivery of goods.

[0083] In this way, by combining the contribution value, the delivery risk probability value of the edge entity, the repayment risk probability value of the core entity, and the resource exchange limit value of the core entity, we can obtain the amount that the core entity cannot repay under expected default conditions, the maximum guarantee amount that the core entity's resource exchange limit can be allocated to the edge entity, and the level at which the edge entity can complete the delivery of goods. This achieves refined resource management under total control, based on systemic risk adjustment, and weighted allocation according to individual net contribution and individual risk.

[0084] Step 206: The resource exchange strategy acquisition device generates a resource exchange strategy for each edge entity based on the credit support limit benchmark value of each edge entity.

[0085] In some embodiments of this application, after obtaining the credit guarantee limit benchmark value SL, the resource exchange strategy acquisition device sets the credit guarantee limit based on the benchmark value. The benchmark value serves as the default value, allowing the setting of limits exceeding the benchmark value. Risk management is implemented when conducting non-recourse transactions.

[0086] In some embodiments of this application, combined with Figure 1 ,like Figure 5 As shown, step 206 above can be specifically implemented through step 206a below.

[0087] Step 206a: When the resource exchange limit of the core entity is greater than the first threshold and the first credit support limit benchmark value of the first side entity is greater than the second threshold, the resource exchange strategy acquisition device generates the resource exchange strategy of the first side entity based on the total resource exchange value of the target business, the resource exchange value already used by the first side entity in the total resource exchange value, and the first credit support limit benchmark value.

[0088] In some embodiments of this application, the first side entity is any one of the at least one side entities.

[0089] It should be noted that this embodiment takes the first edge entity as an example to describe the specific method for generating the resource exchange strategy of the first edge entity. This method can be used for each edge entity in at least one edge entity to calculate the resource exchange strategy of that edge entity. To avoid repetition, it will not be described in detail here.

[0090] In this way, the credit support limit is set based on the benchmark value of the credit support limit. Risk management is carried out by combining the benchmark value of the credit support limit with the resource exchange limit and the credit support limit. The two independent limits of the resource exchange limit and the credit support limit are linked, thereby enabling precise and efficient risk management of non-recourse factoring business.

[0091] In some embodiments of this application, combined with Figure 5 ,like Figure 6As shown, step 206a can be implemented through steps 206a1 and 206a2 as described below.

[0092] Step 206a1: If the sum of the total resource exchange value of the target business and the used resource exchange value is greater than the first credit support limit benchmark value, the resource exchange strategy acquisition device increases the credit support limit of the first side entity to update the first credit support limit benchmark value.

[0093] In some embodiments of this application, the resource exchange strategy acquisition device can determine whether the available portion of the credit limit and credit guarantee limit is sufficient to cover the core entity's resource exchange limit value is greater than a first threshold and the first credit support limit benchmark value of the first side entity is greater than a second threshold. It then determines whether the available portion of the credit limit and credit guarantee limit is sufficient to cover the core entity's resource exchange limit value. If so, it further determines whether there is a non-recourse business amount + the amount already possessed > the benchmark value. If so, even if the goods supplier's credit limit and credit guarantee limit are sufficient, the device prompts the user to introduce other credit limits, such as third-party guarantees, to expand the credit limit during business processing.

[0094] For example, such as Figure 7 The diagram illustrates the execution flow of generating a resource exchange strategy according to an embodiment of this application. The resource exchange strategy acquisition device determines whether the credit limit is sufficient. If not, the transaction cannot be processed. If so, it determines whether the credit guarantee limit is sufficient. If not, the transaction cannot be processed. If so, it determines whether the sum of the non-recourse transaction amount and the amount already occupied exceeds the benchmark value. If not, the execution flow ends. If so, it determines whether to introduce other credit limits. If not, the execution flow ends. If so, it determines whether the sum of the non-recourse transaction amount and the amount already occupied exceeds the benchmark value plus other credit limits. If so, the execution flow ends. If not, the process of determining whether to introduce other credit limits is repeated.

[0095] Step 206a2: The resource exchange strategy acquisition device generates a prompt message based on the total resource exchange value, the resource exchange value already used, and the updated first credit support limit benchmark value.

[0096] In some embodiments of this application, the above-mentioned prompt information is used to prompt the resource exchange strategy of the first-side entity.

[0097] In this way, even if the resource exchange quota and credit support quota of the side entities are sufficient, the business can be prompted to introduce other resource exchange quotas, such as third-party guarantees, to expand the quota. Based on the total business amount, the used quota, and the updated higher quota benchmark, a prompt message is generated as a resource exchange strategy to achieve accurate and efficient risk control for non-recourse factoring business.

[0098] In some embodiments of this application, step 206a2 can be specifically implemented by steps 206a21 and 206a22 as described below.

[0099] Step 206a21: If the sum of the total resource exchange value and the used resource exchange value is less than or equal to the second credit support limit benchmark value, the resource exchange strategy acquisition device continues to update the credit support limit benchmark value of the first side entity.

[0100] Step 206a22: The resource exchange strategy acquisition device generates corresponding prompt information based on the updated credit support limit benchmark value of the first-side entity.

[0101] In some embodiments of this application, the aforementioned second credit support limit benchmark value is the sum of the first credit support limit benchmark value and the increased credit support limit. The aforementioned notification information is used to alert the first entity to potential business risks.

[0102] In some embodiments of this application, if the amount is still insufficient after introducing other limits, the business can still be processed, and an early warning reminder is added to remind the business processing personnel that there is a certain risk in the business.

[0103] In this way, if the amount is still insufficient after introducing other quotas, business can still be processed. The system will also provide early warnings to remind business personnel that there are certain risks associated with the transaction, so as to effectively manage the business risks of the counterparty.

[0104] In some embodiments of this application, step 206a22 described above can be specifically implemented by step 206a221 described below.

[0105] Step 206a221: If the updated credit support limit benchmark value of the first-side entity is less than the used resource exchange value, the resource exchange strategy acquisition device generates a first-level prompt message.

[0106] In some embodiments of this application, the aforementioned first level can be a high-risk level, such as a Level 1 red alert message.

[0107] In this way, the contribution level of side entities, the delivery risk of side entities, and the repayment risk of core entities are updated regularly. The benchmark value of credit support limit is recalculated, and a tiered warning is issued after determining whether the benchmark value of credit support limit is lower than the existing limit or lower than a certain percentage of the total limit. When the benchmark value of credit support limit is less than the amount of resources exchanged that have been used, it indicates that there is a high possibility that the non-recourse transaction will require payment on behalf of the core enterprise. The transaction carries a high risk and requires timely measures. The first-level warning information can effectively warn of this risk.

[0108] In some embodiments of this application, step 206a22 can be specifically implemented by steps 206a222 to 206a224 described below.

[0109] Step 206a222: If the updated credit support limit benchmark value of the first-side entity is greater than or equal to the used resource exchange value, and less than the total resource exchange value of the first proportion of the target business, then the resource exchange strategy acquisition device generates a first-level prompt message.

[0110] Step 206a223: If the updated credit support limit benchmark value of the first-side entity is greater than or equal to the total resource exchange value of the preset proportion of the target business, and less than the total resource exchange value of the second proportion, then the resource exchange strategy acquisition device generates a second-level prompt message.

[0111] In some embodiments of this application, the aforementioned second level can be a medium-risk level, such as a level 2 yellow warning message.

[0112] Step 206a224: If the updated credit support limit benchmark value of the first-side entity is greater than or equal to the total resource exchange value of the second proportion, and less than the total resource exchange value of the third proportion, then the resource exchange strategy acquisition device generates a prompt message of the third level.

[0113] In some embodiments of this application, the aforementioned third level can be a low-risk level, such as a level 3 blue warning message.

[0114] In some embodiments of this application, the first ratio is smaller than the second ratio, and the second ratio is smaller than the third ratio. The first level is higher than the second level, and the second level is higher than the third level.

[0115] For example, the first ratio can be 0.2. The second ratio can be 0.5. The third ratio can be 0.8.

[0116] In some embodiments of this application, the resource exchange strategy acquisition device can periodically update the contribution level of the goods supplier, the delivery risk of the goods supplier, and the repayment risk of the core enterprise, recalculate the benchmark value of the credit guarantee limit / credit support limit, and determine whether the benchmark value of the credit guarantee limit is less than the used resource exchange value / occupied limit, or whether it is lower than the total resource exchange value / total limit by a certain percentage and then issue a graded warning.

[0117] For example, assume ST represents the benchmark value of credit guarantee limit / benchmark value of credit support limit, AL represents the used resource exchange value / occupied limit, and TL represents the total resource exchange value / total limit. Figure 8As shown in the figure, it is a schematic diagram of the execution process of another resource exchange strategy provided by an embodiment of the present application. The resource exchange strategy regularly updates the credit guarantee amount benchmark value ST; then, it is judged whether ST is less than AL. If so, a prompt message for a first-level red warning is generated. If not, it is judged whether ST is less than 0.2*TL. If so, a prompt message for a first-level red warning is generated. If not, it is judged whether ST is less than 0.5*TL. If so, a prompt message for a second-level yellow warning is generated. If not, it is judged whether ST is less than 0.8*TL. If so, a prompt message for a third-level blue warning is generated. If not, this execution process ends.

[0118] It can be understood that if ST < 0.2TL or ST < AL, the first-level red warning is a high-risk warning. The total amount is much higher than the benchmark value or the benchmark value is lower than the occupied amount, indicating that there is a high possibility of paying on behalf of the core enterprise for this non-recourse business. The business has a high risk and timely measures need to be taken, urging the business personnel to lower the total guarantee amount, or notifying the goods supplier to deliver the goods on time and the core enterprise to pay on time by phone or letter.

[0119] If ST < 0.5TL, the second-level yellow warning is a medium-risk warning, indicating that there is a certain gap between the total amount and the benchmark value. The non-recourse business for this customer needs to be controlled in a certain scale, and the business personnel are prompted to pay attention to the trade progress of the goods supplier customer in the form of text messages or emails.

[0120] If ST < 0.8TL, the third-level green warning is a low-risk warning, indicating that there is a small gap between the total amount and the benchmark value. When handling the business, it is prompted to add a third-party quota.

[0121] In this way, when the credit support amount benchmark value of the first-side entity is greater than or equal to the used resource exchange value and less than the total resource exchange value of the first ratio of the target business, it indicates that there is a high possibility of paying on behalf of the core enterprise for this non-recourse business. The business has a high risk and timely measures need to be taken. The risk can be effectively warned through the first-level prompt message; when the credit support amount benchmark value of the first-side entity is greater than or equal to the total resource exchange value of the preset ratio of the target business and less than the total resource exchange value of the second ratio, it indicates that there is a certain gap between the total amount and the benchmark value. The non-recourse business for this customer needs to be controlled in a certain scale. The risk can be effectively warned through the second-level prompt message; when the credit support amount benchmark value of the first-side entity is greater than or equal to the total resource exchange value of the second ratio and less than the total resource exchange value of the third ratio, it indicates that there is a small gap between the total amount and the benchmark value. When handling the business, it is prompted to add a third-party quota. The risk can be effectively warned through the second-level prompt message.

[0122] In the resource exchange strategy acquisition method of this application embodiment, the contribution value is obtained by calculating the proportion of resource exchange of edge entities among all core entities. This allows other edge entities in the entity chain network to influence the contribution of the current entity. All directly related nodes in the entity chain network are integrated into a model system, and a reference value is introduced as the basis for setting the quota to increase the accuracy of the quota setting. Then, the support quota benchmark value is calculated through the model system. A benchmark value calculation model is constructed by the contribution of edge entities to core entities, the delivery default risk of edge entities, and the repayment default risk of core entities. The calculation is based on real-time resource exchange values. The quota benchmark value and strategy can be dynamically adjusted. Each edge entity obtains a tailor-made strategy, resulting in extremely high resource allocation efficiency. In this way, risk management through benchmark values ​​can achieve accurate and efficient risk management for non-recourse factoring business.

[0123] In some embodiments of this application, such as Figure 9 The diagram illustrates the entire implementation flow of the resource exchange strategy acquisition method provided in this application embodiment. The resource exchange strategy acquisition method provided in this application embodiment includes the following steps 21 to 40.

[0124] Step 21: The resource exchange strategy acquisition device constructs a vector network graph of the target service.

[0125] Step 22: The resource exchange strategy acquisition device calculates the proportion of each edge entity in the resource exchange of the core entity based on the resource exchange values ​​between the core entity and each edge entity.

[0126] Step 23: The resource exchange strategy acquisition device acquires at least one type of element cost, reference cost sequence, first difference, and second difference of the core entity.

[0127] Step 24: The resource exchange strategy acquisition device calculates the correlation coefficient of each type of element of the core entity based on at least one type of element cost, reference cost sequence, first difference and second difference.

[0128] Step 25: The resource exchange strategy acquisition device sorts at least one type of element of the core entity based on the correlation coefficient of each type of element of the core entity, and normalizes the correlation coefficient of each type of element of the core entity to obtain the weight value of at least one type of element.

[0129] Step 26: The resource exchange strategy acquisition device calculates the contribution value of at least one edge entity to the core entity based on the proportion of each edge entity in the resource exchange of the core entity and the weight value of at least one type of element.

[0130] Step 27: The resource exchange strategy acquisition device uses a logistic regression model to calculate the first risk probability value of each edge entity based on the resource exchange parameter information of each edge entity and the regression coefficients corresponding to the resource exchange parameter information.

[0131] Step 28: The resource exchange strategy acquisition device uses a logistic regression model to calculate the second risk probability value of the core entity based on the resource information of the core entity and the regression coefficients corresponding to the resource information.

[0132] Step 29: The resource exchange strategy acquisition device calculates the third difference between the contribution value and the second risk probability value.

[0133] Step 30: The resource exchange strategy acquisition device calculates the credit support limit benchmark value for each edge entity based on the first risk probability value, the third difference value, and the resource exchange limit value of the core entity.

[0134] Step 31: The resource exchange strategy acquisition device determines whether the sum of the total resource exchange value of the target service and the resource exchange value already used by the first-side entity is greater than the first credit support limit benchmark value of the first-side entity.

[0135] If so, proceed to step 32 below.

[0136] Step 32: The resource exchange strategy acquisition device increases the credit support limit of the first side entity to update the first credit support limit benchmark value.

[0137] Step 33: The resource exchange strategy acquisition device determines whether the sum of the total resource exchange value and the used resource exchange value is greater than the sum of the first credit support limit benchmark value and the increased credit support limit.

[0138] If not, proceed to step 32 above; if yes, proceed to step 34 below.

[0139] Step 34: The resource exchange strategy acquisition device determines whether the updated credit support limit benchmark value of the first-side entity is less than the resource exchange value already used.

[0140] If yes, proceed to step 35 below; if no, proceed to step 36 below.

[0141] Step 35: The resource exchange strategy acquisition device generates a red warning message.

[0142] It should be noted that the red alert information is the same as the Level 1 red alert information mentioned above.

[0143] Step 36: The resource exchange strategy acquisition device determines whether the updated credit support limit benchmark value of the first-side entity is less than the total resource exchange value of the first proportion of the target business.

[0144] If yes, proceed to step 35 above; otherwise, proceed to step 37 below.

[0145] Step 37: The resource exchange strategy acquisition device determines whether the updated credit support limit benchmark value of the first-side entity is less than the total resource exchange value of the second proportion.

[0146] If yes, proceed to step 38 below; if no, proceed to step 39 below.

[0147] Step 38: The resource exchange strategy acquisition device generates a yellow warning message.

[0148] It should be noted that the yellow warning information is the same as the Level 2 yellow warning information mentioned above.

[0149] Step 39: The resource exchange strategy acquisition device determines whether the updated credit support limit benchmark value of the first-side entity is less than the total resource exchange value of the third proportion.

[0150] If so, proceed to step 40 below.

[0151] Step 40: The resource exchange strategy acquisition device generates a blue warning message.

[0152] It should be noted that the blue alert information is the same as the Level 3 blue alert information mentioned above.

[0153] It should be noted that for specific explanations of steps 21 to 40 above, please refer to the descriptions in the above embodiments, which will not be repeated here.

[0154] This solution introduces a reference value as the basis for credit limit setting, increasing the accuracy of limit setting. This reference value is automatically generated based on the supplier's contribution, taking into account the supplier's contribution, industry type, and the risks of the supplier and the core enterprise, thus increasing the comprehensiveness of risk control. The reference value generation is related to the credit limit, and risk management and credit limit usage suggestions are made based on the reference value and the total guarantee amount. Furthermore, multiple risk control measures are used to achieve multi-level risk early warning.

[0155] Figure 10 This is a schematic diagram of a resource exchange strategy acquisition device provided in an embodiment of this application, as shown below. Figure 10 As shown, the resource exchange strategy acquisition device 100 includes: a construction module 101, an acquisition module 102, and a generation module 103.

[0156] The aforementioned construction module 101 is used to construct a vector network graph of the target business, which includes a core entity, at least one edge entity, and resource exchange values ​​between the core entity and each edge entity. The aforementioned acquisition module 102 is used to calculate the proportion of each edge entity in the resource exchange of the core entity based on the resource exchange values ​​between the core entity and each edge entity. The acquisition module 102 is also used to calculate the contribution value of at least one edge entity to the core entity based on the proportion of each edge entity in the resource exchange of the core entity, at least one type of factor cost of the core entity, and a reference cost sequence. The cost sequence includes a reference average cost corresponding to at least one type of factor cost; the acquisition module 102 is further configured to calculate a first risk probability value for each edge entity based on the resource exchange parameter information of at least one edge entity, and to calculate a second risk probability value for the core entity based on the resource information of the core entity; the acquisition module 102 is further configured to calculate a credit support limit benchmark value for each edge entity based on the contribution value, the first risk probability value and the second risk probability value of each edge entity; the generation module 103 is configured to generate a resource exchange strategy for each edge entity based on the credit support limit benchmark value of each edge entity.

[0157] In some embodiments of this application, the acquisition module 102 described above is specifically used for: Obtain at least one type of factor cost, a reference cost sequence, a first difference, and a second difference for the core entity, wherein the first difference is the maximum difference between the cost of at least one type of factor and the corresponding reference average cost, and the second difference is the minimum difference between the cost of at least one type of factor and the corresponding reference average cost. Based on at least one type of factor cost, reference cost sequence, first difference, and second difference of the core entity, calculate the correlation coefficient of each type of factor of the core entity; Based on the correlation coefficient of each type of element of the core entity, calculate the weight value of at least one type of element; Based on the proportion of each edge entity in the resource exchange of the core entity and the weight value of at least one type of element, calculate the contribution value of at least one edge entity to the core entity.

[0158] In some embodiments of this application, the acquisition module 102 is specifically used to: sort at least one type of element of the core entity based on the correlation coefficient of each type of element of the core entity, and normalize the correlation coefficient of each type of element of the core entity to obtain the weight value of at least one type of element.

[0159] In some embodiments of this application, the acquisition module 102 is specifically used to: employ a logistic regression model to calculate a first risk probability value for each edge entity based on the resource exchange parameter information of each edge entity and the regression coefficient corresponding to the resource exchange parameter information, wherein the regression coefficient corresponding to each edge entity is obtained based on the resource exchange data between each edge entity and other core entities; and employ a logistic regression model to calculate a second risk probability value for the core entity based on the resource information of the core entity and the regression coefficient corresponding to the resource information.

[0160] In some embodiments of this application, the acquisition module 102 is specifically used to: calculate the third difference between the contribution value and the second risk probability value; and calculate the credit support limit benchmark value for each edge entity based on the first risk probability value, the third difference, and the resource exchange limit value of the core entity.

[0161] In some embodiments of this application, the generation module 103 is specifically used to: generate a resource exchange strategy for a first side entity based on the total resource exchange value of the target business, the resource exchange value already used by the first side entity in the total resource exchange value, and the first credit support quota benchmark value of the first side entity, when the resource exchange quota value of the core entity is greater than a first threshold and the first credit support quota benchmark value of the first side entity is greater than a second threshold. The first side entity is any one of at least one side entity.

[0162] In some embodiments of this application, the generation module 103 is specifically used to: if the sum of the total resource exchange value and the used resource exchange value is greater than the first credit support limit benchmark value, increase the credit support limit of the first side entity to update the first credit support limit benchmark value; and generate a prompt message based on the total resource exchange value, the used resource exchange value, and the updated first credit support limit benchmark value, the prompt message being used to prompt the resource exchange strategy of the first side entity.

[0163] In some embodiments of this application, the generation module 103 is specifically used to: if the sum of the total resource exchange value and the used resource exchange value is less than or equal to the second credit support limit benchmark value, then continue to update the credit support limit benchmark value of the first side entity; and, based on the updated credit support limit benchmark value of the first side entity, generate corresponding prompt information, wherein the second credit support limit benchmark value is the sum of the first credit support limit benchmark value and the increased credit support limit, and the prompt information is used to prompt the first side entity that there is a business risk.

[0164] In some embodiments of this application, the above-mentioned generation module 103 is specifically used to: generate a first-level prompt message if the updated credit support limit benchmark value of the first side entity is less than the used resource exchange value.

[0165] In some embodiments of this application, the generation module 103 described above is specifically used for: If the updated credit support limit benchmark value of the first-side entity is greater than or equal to the used resource exchange value, but less than the total resource exchange value of the first proportion of the target business, then a first-level prompt message will be generated. If the updated credit support limit benchmark value of the first-side entity is greater than or equal to the total resource exchange value of the target business at a preset ratio, and less than the total resource exchange value at the second ratio, then a second-level prompt message will be generated. If the updated credit support limit benchmark value of the first-side entity is greater than or equal to the total resource exchange value of the second proportion, and less than the total resource exchange value of the third proportion, then a third-level prompt message will be generated. Among them, the first proportion is less than the second proportion, and the second proportion is less than the third proportion; the first level is higher than the second level, and the second level is higher than the third level.

[0166] It should be noted that the explanation of the resource exchange strategy acquisition device 100 can be found in the relevant description of the resource exchange strategy acquisition device in the above embodiments, and will not be repeated here to avoid repetition. The resource exchange strategy acquisition device provided in this application embodiment can achieve the same effect as the above-described resource exchange strategy acquisition method. The effect of the resource exchange strategy acquisition method can be found in the relevant description of the effect of the embodiments of the above-described resource exchange strategy acquisition method, and will not be repeated here to avoid repetition.

[0167] Figure 11 This is a schematic diagram of the structure of an electronic device provided in an embodiment of this application. Figure 11 As shown, the electronic device 500 includes: a memory 501, a transceiver 502, and at least one processor 503.

[0168] Transceiver 502 is used to interact with other devices to send and receive data.

[0169] The memory 501 is used to store computer program code, which includes computer instructions. These computer instructions run in the aforementioned electronic device to implement the method shown in the above-described method embodiments. For example, the memory may include high-speed random access memory (RAM), and may also include non-volatile memory (NVM), such as at least one disk storage device, or a USB flash drive, portable hard drive, read-only memory, magnetic disk, or optical disk, etc.

[0170] Processor 503 can be a general-purpose processor, including a Central Processing Unit (CPU), a network processor (NP), etc.; it can also be a Digital Signal Processor (DSP), an Application Specific Integrated Circuit (ASIC), a Field-Programmable Gate Array (FPGA), or other programmable logic devices, discrete gate or transistor logic devices, or discrete hardware components. Processor 503 can also be other general-purpose processors. The general-purpose processor can be a microprocessor or any conventional processor.

[0171] The memory 501, transceiver 502, and processor 503 are communicatively connected. For example, the memory 501 and transceiver 502 can be connected to the processor 503 via a system bus and communicate with each other. The system bus can be a peripheral component interconnect (PCI) bus, an extended industry standard architecture (EISA) bus, an industry standard architecture (ISA) bus, etc. The system bus can be divided into address bus, data bus, control bus, etc. For ease of representation, only one thick line is used in the figure, but this does not mean that there is only one bus or one type of bus.

[0172] Optionally, the memory 501 can be either standalone or integrated with the processor 503. When the memory 501 is set up independently, it is connected to the processor 503 via a system bus.

[0173] This application also provides a chip for executing instructions, which is used to execute the technical solution of the resource exchange strategy acquisition method in the above embodiments.

[0174] This application also provides a computer-readable storage medium storing computer instructions. When these computer instructions are executed by a processor, they are used to implement the technical solution of the resource exchange strategy acquisition method described in the above embodiments. Specifically, when the computer instructions are executed by a processor, the electronic device can execute the technical solution of the resource exchange strategy acquisition method described in the above embodiments.

[0175] This application also provides a computer program product, which includes a computer program stored in a computer-readable storage medium. At least one processor can read the computer program from the computer-readable storage medium. When the at least one processor executes the computer program, it can implement the technical solution of the resource exchange strategy acquisition method in the above embodiments.

[0176] The aforementioned computer-readable storage media can be implemented from any type of volatile or non-volatile storage device or a combination thereof, such as Static Random-Access Memory (SRAM), Electrically Erasable Programmable Read-Only Memory (EEPROM), Erasable Programmable Read-Only Memory (EPROM), Programmable Read-Only Memory (PROM), Read-Only Memory (ROM), magnetic storage, flash memory, magnetic disk, or optical disk. The computer-readable storage media can be any available medium accessible to a general-purpose or special-purpose computer.

[0177] An exemplary computer-readable storage medium is coupled to a processor, enabling the processor to read information from and write information to the storage medium. Of course, the computer-readable storage medium can also be a component of the processor. The processor and the computer-readable storage medium can reside in an application-specific integrated circuit (ASIC). Alternatively, the processor and the computer-readable storage medium can exist as discrete components in an electronic control unit or main control device; this application does not limit this.

[0178] In the several embodiments provided in this application, it should be understood that the disclosed devices and methods can be implemented in other ways. For example, the device embodiments described above are merely illustrative; for instance, the division of modules is only a logical functional division, and in actual implementation, there may be other division methods. For example, multiple modules may be combined or integrated into another system, or some features may be ignored or not executed. Furthermore, the coupling or direct coupling or communication connection shown or discussed may be indirect coupling or communication connection through some interfaces, devices, or modules, and may be electrical, mechanical, or other forms.

[0179] The modules described as separate components may or may not be physically separate. The components shown as modules may or may not be physical units; that is, they may be located in one place or distributed across multiple network units. Some or all of the modules can be selected to implement the solution of this embodiment according to actual needs.

[0180] Furthermore, the functional modules in the various embodiments of this application can be integrated into one processing unit, or each module can exist physically separately, or two or more modules can be integrated into one unit. The unit composed of the above modules can be implemented in hardware or in the form of hardware plus software functional units.

[0181] The integrated modules described above, implemented as software functional modules, can be stored in a computer-readable storage medium. These software functional modules, stored in a storage medium, include several instructions to cause a computer device (which may be a personal computer, server, or network device, etc.) or processor to execute some steps of the methods of the various embodiments of this application.

[0182] It should be understood that the steps of the method disclosed in the embodiments of this application can be directly implemented by a hardware processor, or implemented by a combination of hardware and software modules in the processor.

[0183] Those skilled in the art will understand that all or part of the steps of the above-described method embodiments can be implemented by hardware related to program instructions. The aforementioned program can be stored in a computer-readable storage medium. When executed, the program performs the steps of the above-described method embodiments; and the aforementioned storage medium includes various media capable of storing program code, such as ROM, RAM, magnetic disks, or optical disks.

[0184] Finally, it should be noted that the above embodiments are only used to illustrate the technical solutions of this application, and are not intended to limit them. Although this application has been described in detail with reference to the foregoing embodiments, those skilled in the art should understand that modifications can still be made to the technical solutions described in the foregoing embodiments, or equivalent substitutions can be made to some or all of the technical features therein. Such modifications or substitutions do not cause the essence of the corresponding technical solutions to deviate from the scope of the technical solutions of the embodiments of this application.

Claims

1. A method for obtaining resource exchange strategies, characterized in that, include: Construct a vector network graph for the target business, wherein the vector network graph includes a core entity, at least one edge entity, and the resource exchange values ​​between the core entity and each edge entity; Based on the resource exchange values ​​between the core entity and each edge entity, calculate the proportion of each edge entity in the resource exchange with the core entity; Based on the proportion of each edge entity in the resource exchange of the core entity, the cost of at least one type of factor of the core entity, and the reference cost sequence, the contribution value of the at least one edge entity to the core entity is calculated, and the reference cost sequence includes the reference average cost corresponding to the cost of at least one type of factor. Based on the resource exchange parameter information of the at least one edge entity, calculate the first risk probability value of each edge entity, and based on the resource information of the core entity, calculate the second risk probability value of the core entity. Based on the contribution value, the first risk probability value and the second risk probability value of each edge entity, calculate the credit support limit benchmark value of each edge entity; Based on the credit support limit benchmark value of each edge entity, a resource exchange strategy is generated for each edge entity.

2. The resource exchange strategy acquisition method according to claim 1, characterized in that, The calculation of the contribution value of at least one edge entity to the core entity based on the proportion of each edge entity in the resource exchange of the core entity, the cost of at least one type of factor of the core entity, and the reference cost sequence includes: Obtain at least one type of factor cost of the core entity, the reference cost sequence, a first difference, and a second difference, wherein the first difference is the maximum difference between the at least one type of factor cost and the corresponding reference average cost, and the second difference is the minimum difference between the at least one type of factor cost and the corresponding reference average cost. Based on at least one type of element cost of the core entity, the reference cost sequence, the first difference, and the second difference, calculate the correlation coefficient of each type of element of the core entity; Based on the correlation coefficient of each type of element of the core entity, calculate the weight value of at least one type of element; Based on the proportion of each edge entity in the resource exchange of the core entity and the weight value of the at least one type of element, the contribution value of the at least one edge entity to the core entity is calculated.

3. The resource exchange strategy acquisition method according to claim 2, characterized in that, The calculation of at least one type of element weight value based on the correlation coefficient of each type of element of the core entity includes: Based on the correlation coefficient of each type of element of the core entity, at least one type of element of the core entity is sorted, and the correlation coefficient of each type of element of the core entity is normalized to obtain the weight value of the at least one type of element.

4. The resource exchange strategy acquisition method according to claim 1, characterized in that, The calculation of a first risk probability value for each edge entity based on the resource exchange parameter information of the at least one edge entity, and the calculation of a second risk probability value for the core entity based on the resource information of the core entity, includes: Using a logistic regression model, based on the resource exchange parameter information of each edge entity and the regression coefficient corresponding to the resource exchange parameter information, the first risk probability value of each edge entity is calculated. The regression coefficient corresponding to each edge entity is obtained based on the resource exchange data between each edge entity and other core entities. Using a logistic regression model, based on the resource information of the core entity and the regression coefficients corresponding to the resource information, the second risk probability value of the core entity is calculated.

5. The resource exchange strategy acquisition method according to claim 1, characterized in that, The calculation of the credit support baseline value for each edge entity based on the contribution value, the first risk probability value, and the second risk probability value of each edge entity includes: Calculate the third difference between the contribution value and the second risk probability value; Based on the first risk probability value of each edge entity, the third difference, and the resource exchange limit value of the core entity, the credit support limit benchmark value of each edge entity is calculated.

6. The method for obtaining resource exchange strategies according to claim 1 or 5, characterized in that, The process of generating a resource exchange strategy for each edge entity based on its credit support limit benchmark value includes: When the resource exchange limit of the core entity is greater than the first threshold and the first credit support limit benchmark value of the first side entity is greater than the second threshold, a resource exchange strategy for the first side entity is generated based on the total resource exchange value of the target business, the resource exchange value already used by the first side entity in the total resource exchange value, and the first credit support limit benchmark value. The first side entity is any one of the at least one side entity.

7. The resource exchange strategy acquisition method according to claim 6, characterized in that, The process of generating a resource exchange strategy for the first side entity based on the total resource exchange value of the target business, the resource exchange value already used by the first side entity within the total resource exchange value, and the first credit support limit benchmark value includes: If the sum of the total resource exchange value and the used resource exchange value is greater than the first credit support limit benchmark value, then the credit support limit of the first side entity is increased to update the first credit support limit benchmark value. Based on the total resource exchange value, the used resource exchange value, and the updated first credit support limit benchmark value, a prompt message is generated, which is used to prompt the resource exchange strategy of the first side entity.

8. The resource exchange strategy acquisition method according to claim 7, characterized in that, The generation of prompt information based on the total resource exchange value, the used resource exchange value, and the updated first credit support limit benchmark value includes: If the sum of the total resource exchange value and the used resource exchange value is less than or equal to the second credit support limit benchmark value, then the credit support limit benchmark value of the first side entity will continue to be updated. Based on the updated credit support limit benchmark value of the first side entity, a corresponding prompt message is generated. The second credit support limit benchmark value is the sum of the first credit support limit benchmark value and the increased credit support limit. The prompt message is used to indicate that there is a business risk for the first side entity.

9. The resource exchange strategy acquisition method according to claim 8, characterized in that, The step of generating corresponding prompt information based on the updated credit support limit benchmark value of the first side entity includes: If the updated credit support limit benchmark value of the first side entity is less than the used resource exchange value, a first-level prompt message is generated.

10. The resource exchange strategy acquisition method according to claim 8, characterized in that, The step of generating corresponding prompt information based on the updated credit support limit benchmark value of the first side entity includes: If the updated credit support limit benchmark value of the first side entity is greater than or equal to the used resource exchange value, and less than the total resource exchange value of the first proportion of the target business, then a first-level prompt message is generated. If the updated credit support limit benchmark value of the first side entity is greater than or equal to the total resource exchange value of the target business at a preset ratio, and less than the total resource exchange value at a second ratio, then a second-level prompt message is generated. If the updated credit support limit benchmark value of the first side entity is greater than or equal to the total resource exchange value of the second proportion, and less than the total resource exchange value of the third proportion, then a third-level prompt message will be generated. Wherein, the first ratio is less than the second ratio, and the second ratio is less than the third ratio; the first level is higher than the second level, and the second level is higher than the third level.

11. A resource exchange strategy acquisition device, characterized in that, include: Build modules, obtain modules, and generate modules; The construction module is used to construct a vector network graph of the target business. The vector network graph includes a core entity, at least one edge entity, and resource exchange values ​​between the core entity and each edge entity. The acquisition module is used to calculate the proportion of each edge entity in the resource exchange of the core entity based on the resource exchange value between the core entity and each edge entity. The acquisition module is further configured to calculate the contribution value of the at least one edge entity to the core entity based on the proportion of each edge entity in the resource exchange of the core entity, the cost of at least one type of factor of the core entity, and a reference cost sequence, wherein the reference cost sequence includes the reference average cost corresponding to the cost of at least one type of factor. The acquisition module is further configured to calculate a first risk probability value for each edge entity based on the resource exchange parameter information of the at least one edge entity, and to calculate a second risk probability value for the core entity based on the resource information of the core entity. The acquisition module is also used to calculate the credit support limit benchmark value of each edge entity based on the contribution value, the first risk probability value and the second risk probability value of each edge entity; The generation module is used to generate a resource exchange strategy for each edge entity based on the credit support limit benchmark value of each edge entity.

12. An electronic device, characterized in that, include: The electronic device includes a memory and at least one processor; the memory is communicatively connected to the processor; the memory is used to store computer program code, the computer program code including computer instructions; when the processor executes the computer instructions, the electronic device performs the resource exchange strategy acquisition method as described in any one of claims 1-10.

13. A computer-readable storage medium, characterized in that, The computer-readable storage medium stores computer instructions, which, when executed by a processor, are used to implement the resource exchange strategy acquisition method as described in any one of claims 1-10.

14. A computer program product, characterized in that, When the computer program product is run on a computer / executed by the computer's processor, it implements the resource exchange strategy acquisition method as described in any one of claims 1-10.

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