External pricing model construction method

Abstract

The invention discloses an external pricing model construction method. The model construction method comprises the following steps: confirming an external interest rate curve model; establishing a pricing engine model; establishing a scheme model according to the scheme condition; establishing a business detail data model; and establishing a final result model. The method solves the problem that business personnel do not know how to price products for customers, pricing principles, pricing mechanisms, parameters required for pricing and other information, and can quickly obtain guidance prices by obtaining information according to actual conditions of the customers through the use of an external pricing model and method, so that the practical value is very high, and support is well provided for business influence.

Description

Technical Field

[0001] This invention relates to the field of financial industry models, and in particular to a method for constructing an external pricing model. Background Technology

[0002] Currently, the financial industry's revenue still relies on debt-based businesses such as accepting deposits and asset-based businesses such as lending to the market, earning high interest rate spreads to generate profits.

[0003] In today's highly competitive market, customized product rates are very attractive, leading to increased performance for account managers and business growth for companies.

[0004] Financial industry account managers pursue differentiated pricing for different customers when marketing products, but there are certain problems in this process. For example, they don't know how to price, what price is reasonable, what the basis for pricing is, how to differentiate, or how to price the same product for different customers. These issues make it difficult for financial industry account managers to expand business growth and ultimately affect the development of the enterprise.

[0005] Problems with existing technology: Currently, account managers generally use a uniform interest rate when introducing financial products to clients. For example, all three-year loans have a rate of 3.85%; regardless of a client's credit history or other data, a uniform pricing strategy is applied, making it impossible to achieve differentiated marketing or rapid impact.

[0006] When conducting business, account managers want to market products with customized interest rates for their clients, but they don't know how to implement differentiated pricing, or what pricing is scientific and reasonable.

[0007] The current technical shortcomings are: 1) When marketing a business, account managers always price the same product regardless of the customer's credit or other data.

[0008] 2) The account manager wants to differentiate the pricing of the product, but the account manager has not used effective channels to help them obtain a reasonable marketing interest rate. Summary of the Invention

[0009] In view of the above problems, the present invention is proposed to provide an external pricing model construction method that overcomes or at least partially solves the above problems.

[0010] According to one aspect of the present invention, an external pricing model construction method is provided, the model construction method comprising: Confirm the external interest rate curve model; Establish a pricing engine model; Establish a solution model based on the specific circumstances of the proposed solution; Establish a business detail data model; Establish a model for the final result.

[0011] Optionally, the model building method further includes: establishing corresponding identification schemes based on different customer business attributes to achieve flexible and personalized pricing schemes for customers.

[0012] Optionally, the confirmation of the external interest rate curve model specifically includes: an external interest rate curve model table storing business curve interest rates, specifically including data on term, date, and interest rate.

[0013] Optionally, establishing the pricing engine model specifically includes: the pricing engine model table stores multiple engine pricing methods.

[0014] Optionally, the step of establishing a solution model based on the solution situation specifically includes: storing multiple test methods in a solution model table.

[0015] Optionally, the establishment of the business detail data model specifically includes: the business detail data model stores the basic data of the business, and the basic data, combined with the solution model, is processed by the engine to obtain the external pricing interest rate.

[0016] Optionally, establishing the final result model specifically includes: The final result model engine calculates the external interest rate and external income and expenditure, providing data support for management decisions through model table data.

[0017] This invention provides an external pricing model construction method, which includes: confirming an external interest rate curve model; establishing a pricing engine model; establishing a solution model based on the solution details; establishing a business detail data model; and establishing a final result model. This solves the problem that business personnel often lack information on how to price products for customers, pricing principles, pricing mechanisms, and required pricing parameters. By using the external pricing model and method, guidance prices can be quickly derived based solely on information obtained from the customer's actual situation. It has high practical value and provides excellent support for business operations.

[0018] The above description is merely an overview of the technical solution of the present invention. In order to better understand the technical means of the present invention and to implement it in accordance with the contents of the specification, and in order to make the above and other objects, features and advantages of the present invention more apparent and understandable, specific embodiments of the present invention are described below. Attached Figure Description

[0019] To more clearly illustrate the technical solutions of the embodiments of the present invention, the drawings used in the following description of the embodiments will be briefly introduced. Obviously, the drawings described below are only some embodiments of the present invention. For those skilled in the art, other drawings can be obtained based on these drawings without creative effort.

[0020] Figure 1 This is a flowchart of an external pricing model construction method provided in an embodiment of the present invention. Detailed Implementation

[0021] Exemplary embodiments of the present disclosure will now be described in more detail with reference to the accompanying drawings. While exemplary embodiments of the present disclosure are shown in the drawings, it should be understood that the present disclosure may be implemented in various forms and should not be limited to the embodiments set forth herein. Rather, these embodiments are provided so that this disclosure will be thorough and complete, and will fully convey the scope of the disclosure to those skilled in the art.

[0022] The terms "comprising" and "having," and any variations thereof, in the specification, embodiments, claims, and drawings of this invention are intended to cover non-exclusive inclusion, such as including a series of steps or units.

[0023] The technical solution of the present invention will be further described in detail below with reference to the accompanying drawings and embodiments.

[0024] like Figure 1 As shown, an external pricing model construction method includes: 1. Confirm the external interest rate curve model 1.1 The external interest rate curve model table stores the business curve interest rates (data on maturity, date, and interest rate). The following is a sample of the model table data: 2. Pricing Engine Model 2.1 The pricing engine model table stores different engine pricing methods. The following is a sample of the model table data: 3. Scheme Model 3.1 The solution model table stores different test methods. The following is a sample of the model table data: 4. Business detail data model 4.1 The business detail data model stores the basic data of the business. The basic data, combined with the solution model, is processed by the engine to obtain the external pricing interest rate. The following is a sample of the model table data: 5. Final Result Model 5.1 Through the calculation of the final result model engine, the external interest rate and external income and expenditure are finally calculated, thereby providing data support for management decisions.

[0025] The following is a sample of the model table data: 6. By leveraging different customer business attributes and employing different identification schemes, flexible and personalized pricing solutions can be achieved for each customer.

[0026] Beneficial effects: 1. External pricing models and methods provide strong support for business development, and differentiated product pricing for external customers provides customers with scientific interest rate benefits; 2. External pricing models and methods can be used across multiple platforms, such as WeChat mini programs and apps, making them convenient for account managers to use; 3. By using external pricing models and methods, the problem of business personnel not knowing how to price products for customers, pricing principles, pricing mechanisms, and the parameters required for pricing is solved. By using external pricing models and methods, only information based on the actual situation of the customer is needed to quickly derive a guiding price. It has high practical value and provides good support for business operations.

[0027] The above specific embodiments further illustrate the purpose, technical solution, and beneficial effects of the present invention. It should be understood that the above are merely specific embodiments of the present invention and are not intended to limit the scope of protection of the present invention. Any modifications, equivalent substitutions, improvements, etc., made within the spirit and principles of the present invention should be included within the scope of protection of the present invention.

Claims

1. A method for constructing an external pricing model, characterized in that, The model construction method includes: Confirm the external interest rate curve model; Establish a pricing engine model; Establish a solution model based on the specific circumstances of the proposed solution; Establish a business detail data model; Establish a model for the final result.

2. The method for constructing an external pricing model according to claim 1, characterized in that, The model building method also includes: establishing corresponding identification schemes based on different customer business attributes to achieve flexible and personalized pricing schemes for customers.

3. The method for constructing an external pricing model according to claim 1, characterized in that, The confirmed external interest rate curve model specifically includes: an external interest rate curve model table that stores business curve interest rates, specifically including data on term, date, and interest rate.

4. The method for constructing an external pricing model according to claim 1, characterized in that, The establishment of the pricing engine model specifically includes: the pricing engine model table stores multiple engine pricing methods.

5. The method for constructing an external pricing model according to claim 1, characterized in that, The establishment of a solution model based on the solution situation specifically includes: storing multiple test methods in a solution model table.

6. The method for constructing an external pricing model according to claim 1, characterized in that, The establishment of the business detail data model specifically includes: the business detail data model stores the basic data of the business, and the basic data, combined with the solution model, is processed by the engine to obtain the external pricing interest rate.

7. The method for constructing an external pricing model according to claim 1, characterized in that, The establishment of the final result model specifically includes: The final result model engine calculates the external interest rate and external income and expenditure, providing data support for management decisions through model table data.

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