Asset allocation strategy verification method, device, equipment, medium and program product
Patent Information
- Application Number
- CN202611000108.X
- Authority / Receiving Office
- CN · China
- Patent Type
- Applications(China)
- Current Assignee / Owner
- Filing Date
- 2026-07-07
- Publication Date
- 2026-10-09
AI Technical Summary
比如，方案生成与合规审核分离，多依赖人工复核，效率低、易出错，以及资产配置策略出现违规后需人工调整，无法自动修正，延长业务流程，以及资产配置策略固化程度高，无法快速适配监管变化与内部风控要求等
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Figure CN122887600A_ABST
Abstract
Description
Technical Field
[0001] This application relates to the field of artificial intelligence, specifically to an asset allocation strategy verification method, apparatus, device, medium, and program product. Background Technology
[0002] The generation of asset allocation strategies usually requires comprehensive consideration of factors such as users' actual needs, risk tolerance, and the applicability of various products.
[0003] However, existing solutions have many problems. For example, the separation of solution generation and compliance review relies heavily on manual review, which is inefficient and prone to errors. Furthermore, if a violation occurs in the asset allocation strategy, manual adjustments are required instead of automatic correction, extending the business process. Additionally, the asset allocation strategy is highly rigid and cannot quickly adapt to regulatory changes and internal risk control requirements. Summary of the Invention
[0004] In view of the above problems, embodiments of this application provide an asset allocation strategy verification method, apparatus, device, medium, and program product.
[0005] According to a first aspect of this application, an asset allocation strategy verification method is provided, comprising: obtaining profile information of a target user, and conducting a risk assessment on the user based on the profile information to obtain risk assessment information corresponding to the target user, the risk assessment information including risk level labels and asset allocation constraints; matching an initial asset allocation strategy from a preset strategy library based on the risk level labels and asset allocation constraints, the initial asset allocation strategy including asset proportion information and a product configuration list; performing compliance verification on the initial asset allocation strategy to obtain a verification result, the verification result indicating whether the verification passed or failed; and determining a target asset allocation strategy based on the initial asset allocation strategy and the verification result.
[0006] According to an embodiment of this application, the profile information includes the target user's basic information and the user's corresponding historical asset allocation information. Obtaining the target user's profile information and conducting a risk assessment based on it yields the target user's corresponding risk assessment information, which includes: scoring the user's basic information and historical asset allocation information according to preset scoring rules to obtain user basic information scores and historical asset allocation scores respectively; weighting and summing the user basic information scores and historical asset allocation scores according to preset weights to obtain a comprehensive assessment score; and determining a risk level label based on the comprehensive assessment score.
[0007] According to an embodiment of this application, matching an initial asset allocation strategy from a preset strategy library based on risk level labels and asset allocation constraints includes: matching at least one asset allocation strategy template from the preset strategy library based on risk level labels; determining the matching degree between each asset allocation strategy template and the asset allocation constraints; sorting the at least one asset allocation strategy template based on the matching degree, and determining a target asset allocation strategy template from the at least one asset allocation strategy template based on the sorting result; and determining an initial asset allocation strategy based on the target asset allocation strategy template.
[0008] According to the embodiments of this application, compliance verification of the initial asset allocation strategy is performed to obtain the verification result, which includes: verifying the initial asset allocation strategy according to multiple preset rules to obtain multiple verification sub-results, wherein one preset rule corresponds to one verification sub-result, and the verification sub-result indicates whether the verification passes or fails.
[0009] According to embodiments of this application, verifying the initial asset allocation strategy based on multiple preset rules includes: obtaining risk information of multiple products in the product configuration list, and performing risk checks on the multiple products based on risk level labels and the risk information of the multiple products; obtaining the proportion information of multiple products in the product configuration list, and performing proportion checks on the multiple products based on the proportion information of the multiple products; performing compliance checks on the multiple products based on a preset list of prohibited configuration objects and a preset list of restricted configuration objects; obtaining the actual proportion of each category of assets in the asset proportion information, and performing compliance checks on the actual proportion of each category of assets based on asset allocation constraints.
[0010] According to an embodiment of this application, determining the target asset allocation strategy based on the initial asset allocation strategy and the verification results includes: if at least one verification sub-result in a plurality of verification sub-results indicates that the verification fails, modifying the initial asset allocation strategy based on at least one verification sub-result, and re-verifying the modified initial asset allocation strategy; if all verification sub-results indicate that the verification passes, generating the target asset allocation strategy based on the initial asset allocation strategy or the modified initial asset allocation strategy.
[0011] According to an embodiment of this application, the asset allocation strategy verification method further includes: generating and storing a decision report based on the determination process of the target asset allocation strategy, wherein the decision report is used to display profile information, initial asset allocation strategy, verification results, and the generation process of the target asset allocation strategy.
[0012] According to a second aspect of this application, an asset allocation strategy verification device is provided, comprising: an information acquisition module, used to acquire profile information of a target user and conduct risk assessment on the user based on the profile information to obtain risk assessment information corresponding to the target user, the risk assessment information including risk level labels and asset allocation constraints; a strategy matching module, used to match an initial asset allocation strategy from a preset strategy library based on the risk level labels and asset allocation constraints, the initial asset allocation strategy including asset proportion information and a product configuration list; a compliance verification module, used to perform compliance verification on the initial asset allocation strategy and obtain a verification result, the verification result indicating whether the verification passed or failed; and a strategy determination module, used to determine a target asset allocation strategy based on the initial asset allocation strategy and the verification result.
[0013] According to a third aspect of this application, an electronic device is provided, comprising: one or more processors; and a memory for storing one or more computer programs, wherein the one or more processors execute the one or more computer programs to implement the steps of the method described above.
[0014] According to a fourth aspect of this application, a computer-readable storage medium is also provided, on which a computer program or instructions are stored, wherein the computer program or instructions, when executed by a processor, implement the steps of the above-described method.
[0015] According to a fifth aspect of this application, a computer program product is also provided, including a computer program or instructions that, when executed by a processor, implement the steps of the above-described method. Attached Figure Description
[0016] The above-mentioned contents, other objects, features and advantages of this application will become clearer from the following description of embodiments with reference to the accompanying drawings, in which:
[0017] Figure 1 The illustration shows an application scenario diagram of the asset configuration strategy verification method, apparatus, device, medium, and program product according to embodiments of this application;
[0018] Figure 2 A flowchart illustrating an asset allocation strategy verification method according to an embodiment of this application is shown in the illustration.
[0019] Figure 3 A flowchart illustrating a multi-layered compliance detection process according to an embodiment of this application is shown schematically.
[0020] Figure 4 This schematic diagram illustrates the structural block diagram of an asset allocation strategy verification device according to an embodiment of this application;
[0021] Figure 5A block diagram of an electronic device suitable for implementing an asset allocation strategy verification method according to an embodiment of this application is shown schematically. Detailed Implementation
[0022] The embodiments of this application will now be described with reference to the accompanying drawings. However, it should be understood that these descriptions are exemplary only and are not intended to limit the scope of this application. In the following detailed description, numerous specific details are set forth to provide a thorough understanding of the embodiments of this application for ease of explanation. However, it will be apparent that one or more embodiments may be implemented without these specific details. Furthermore, descriptions of well-known structures and technologies are omitted in the following description to avoid unnecessarily obscuring the concepts of this application.
[0023] The terminology used herein is for the purpose of describing particular embodiments only and is not intended to limit the scope of this application. The terms “comprising,” “including,” etc., as used herein indicate the presence of the stated features, steps, operations, and / or components, but do not exclude the presence or addition of one or more other features, steps, operations, or components.
[0024] All terms used herein (including technical and scientific terms) have the meanings commonly understood by those skilled in the art, unless otherwise defined. It should be noted that the terms used herein are to be interpreted in a manner consistent with the context of this specification, and not in an idealized or overly rigid way.
[0025] When using expressions such as "at least one of A, B and C", they should generally be interpreted in accordance with the meaning that is commonly understood by those skilled in the art (e.g., "a system having at least one of A, B and C" should include, but is not limited to, a system having A alone, a system having B alone, a system having C alone, a system having A and B, a system having A and C, a system having B and C, and / or a system having A, B and C, etc.).
[0026] In the technical solution of this application, the user information (including but not limited to user personal information, user image information, user device information, such as location information) and data (including but not limited to data used for analysis, stored data, and displayed data) involved are all information and data authorized by the user or fully authorized by all parties. Furthermore, the collection, storage, use, processing, transmission, provision, disclosure, and application of related data all comply with relevant laws, regulations, and standards, take necessary confidentiality measures, do not violate public order and good morals, and provide corresponding operation entry points for users to choose to authorize or refuse.
[0027] In scenarios where personal information is used for automated decision-making, the methods, devices, and systems provided in this application all provide users with corresponding operation entry points for users to choose to agree to or reject the automated decision results; if the user chooses to reject, the process enters the expert decision-making process.
[0028] Figure 1 The illustration schematically depicts application scenarios of the asset configuration strategy verification method, apparatus, device, medium, and program product according to embodiments of this application. For example... Figure 1 As shown, application scenario 100 according to an embodiment of this application may include a first terminal device 101, a second terminal device 102, a third terminal device 103, a network 104, and a server 105. The network 104 serves as a medium for providing a communication link between the first terminal device 101, the second terminal device 102, the third terminal device 103, and the server 105. The network 104 may include various connection types, such as wired or wireless communication links or fiber optic cables. For example, a user can use the first terminal device 101, the second terminal device 102, and the third terminal device 103 to interact with the server 105 through the network 104 to receive or send information, etc.
[0029] The first terminal device 101, the second terminal device 102, and the third terminal device 103 can be electronic devices such as smartphones, wearable devices, personal computers, intelligent voice interaction devices, smart home appliances, intelligent vehicles, in-vehicle terminals, aircraft, unmanned vending terminals, and extended reality devices. Extended reality devices can include virtual reality devices, augmented reality devices, and mixed reality devices. A client application for the target application can be installed and run on the terminal devices. This target application can include, but is not limited to, financial transaction applications, payment applications, shopping applications, web browser applications, search applications, instant messaging tools, email clients, and social media platform software (these are just examples). Furthermore, this application embodiment does not limit the form of the target application, and it can include, but is not limited to, applications, mini-programs, etc., installed on the terminal devices, and can also be in the form of web pages.
[0030] Server 105 can be a server providing various services, such as a backend management server supporting websites browsed by users using the first terminal device 101, the second terminal device 102, and the third terminal device 103 (this is just an example). The backend management server can analyze and process received user requests and other data, and feed back the processing results (such as web pages, information, or data obtained or generated according to user requests) to the terminal devices. The server can be a standalone physical server, a server cluster or distributed system composed of multiple physical servers, or a cloud server providing cloud computing services such as cloud databases, cloud computing, cloud functions, cloud storage, network services, cloud communication, middleware services, domain name services, security services, content delivery networks, and basic cloud computing services such as big data. The server can be the backend server of the aforementioned target application, used to provide backend services to the clients of the target application.
[0031] It should be noted that the asset configuration strategy verification method provided in this application embodiment can generally be executed by server 105 and / or terminal devices 101-103. Accordingly, the asset configuration strategy verification device provided in this application embodiment can generally be set in server 105 and / or terminal devices 101-103.
[0032] It should be understood that Figure 1 The number of terminal devices, networks, and servers shown is merely illustrative. Depending on implementation needs, any number of terminal devices, networks, and servers can be included.
[0033] Figure 2 A flowchart illustrating an asset allocation strategy verification method according to an embodiment of this application is shown. Figure 2 As shown, the asset allocation strategy verification method according to the embodiments of this application may include steps S210 to S240.
[0034] In step S210, the profile information of the target user is obtained, and the risk assessment of the user is performed based on the profile information to obtain the risk assessment information corresponding to the target user. The risk assessment information includes risk level labels and asset allocation constraints.
[0035] In embodiments of this application, user consent or authorization can be obtained before acquiring user information. For example, a request to acquire user information can be sent to the user before step S210. If the user consents or authorizes the acquisition of user information, step S210 is executed.
[0036] In the embodiments of this application, a corresponding operation entry can be provided to the user, allowing the user to choose to agree to or refuse the automated decision result. That is, before conducting a risk assessment on user information, the user can provide their consent or refusal instruction for the risk assessment through the corresponding operation entry. If the user agrees to the risk assessment, the user information is assessed for risk, i.e., step S210 is executed. If the user refuses to conduct the risk assessment, the expert decision-making process is initiated.
[0037] In some embodiments, profile information is a dataset used to describe user characteristics, such as the user's basic personal information and historical records of the user's participation in various configuration activities. Risk assessment refers to the process of evaluating a user's ability to withstand uncertainty based on profile information. Risk assessment information is the output data of this assessment process, consisting of two components: risk level labels and asset allocation constraints. Risk level labels are used to identify the level of uncertainty the user tolerates. Asset allocation constraints are restrictive requirements on the category composition of configuration schemes, used to ensure that the subsequently generated configuration scheme matches the user's actual situation.
[0038] In some embodiments, firstly, user profile information can be obtained from the data collection terminal. This information consists of the user's basic personal information filled in during registration or use, as well as historical operation data recorded by the system. Then, each data item in the profile information is compared with preset evaluation criteria to obtain the corresponding risk propensity result. Next, the risk propensity results are combined according to preset weights to obtain the user's overall risk tolerance assessment result. Finally, based on the position of this assessment result within a preset level range, the corresponding risk level label is determined. Simultaneously, based on the assessment result and other binding data in the profile information, asset allocation constraints are generated. After completing the above operations, the risk level label and asset allocation constraints together constitute the output of this step, for use in subsequent steps.
[0039] In step S220, an initial asset allocation strategy is matched from a preset strategy library based on the risk level label and asset allocation constraints. The initial asset allocation strategy includes asset proportion information and a product configuration list.
[0040] In some embodiments, the preset strategy library may be a pre-established and stored set of initial asset configuration strategies, containing multiple configuration strategy templates, each corresponding to a different combination of user characteristics. Asset proportion information describes the proportion of different asset categories in the overall configuration. The product configuration list specifies the selected products and their corresponding configuration quantities.
[0041] In step S230, the initial asset allocation strategy is validated for compliance, and the validation result is obtained, which indicates whether the validation passes or fails.
[0042] In some embodiments, compliance verification refers to the process of checking the initial asset allocation strategy to determine whether its various components meet the pre-defined rule requirements. The verification result is the conclusion data generated by this checking process, used to characterize the overall verification status as pass or fail. A pass indicates that all checked items of the initial asset allocation strategy meet the rule requirements, while a fail indicates that at least one checked item of the initial asset allocation strategy does not meet the rule requirements.
[0043] In some embodiments, firstly, asset proportion information and product configuration lists can be extracted from the initial asset allocation strategy as the objects to be checked. Then, preset verification rules are applied to the asset proportion information and product configuration lists, checking them separately and outputting the verification conclusions. After the verification rules are executed, the verification conclusions of each rule are summarized. If all rule-related verification conclusions are passed, the overall verification result is passed. If any one or more rule-related verification conclusions are failed, the overall verification result is failed.
[0044] In step S240, the target asset allocation strategy is determined based on the initial asset allocation strategy and the verification results.
[0045] In some embodiments, the verification result can first be judged. If the verification result is "pass," it means that all contents of the initial asset allocation strategy have met all the rule requirements and no adjustments are needed. In this case, the initial asset allocation strategy can be directly determined as the target asset allocation strategy. If the verification result is "fail," it means that at least one content of the initial asset allocation strategy fails to meet the rule requirements and cannot be directly used as the final solution output. In this case, the unsatisfactory content of the initial asset allocation strategy can be adjusted according to the verification result, and then the adjusted initial asset allocation strategy can be output as the target asset allocation strategy.
[0046] The asset allocation strategy verification method in this application transforms user profile information into structured risk assessment information, and then sequentially executes strategy matching, compliance verification, and conditional output. This realizes a complete processing chain from user feature collection to compliance scheme determination, reducing the uncertainty and repetitiveness of manual operations, and improving the accuracy of strategy-user matching and the compliance reliability of the strategy itself.
[0047] According to an embodiment of this application, the profile information includes the target user's basic information and the user's corresponding historical asset allocation information. Obtaining the target user's profile information and conducting a risk assessment based on it yields the target user's corresponding risk assessment information, including: scoring the user's basic information and historical asset allocation information according to preset scoring rules, obtaining a user basic information score and a historical asset allocation score respectively; weighting and summing the user basic information score and historical asset allocation score according to preset weights to obtain a comprehensive assessment score; and determining a risk level label based on the comprehensive assessment score.
[0048] In some embodiments, basic user information describes the user's objective circumstances, such as data reflecting personal characteristics like age, occupation, and income level. Historical asset allocation information describes the user's behavior records in asset allocation activities over a past period, including the number of times they participated, the amount invested in each activity, and the holding period for each activity. The comprehensive assessment score is a numerical value obtained by summing up the scores according to their respective weights, used to comprehensively reflect the user's overall risk tolerance.
[0049] In some embodiments, firstly, user basic information and historical asset configuration information can be extracted from the acquired profile information. Then, a preset scoring rule is activated, comparing each data point in the user basic information with the evaluation criteria in the scoring rule. Based on the comparison results, the corresponding score for each item is determined. The scores are then processed according to the aggregation method specified in the scoring rule to obtain the user basic information score. Simultaneously, each data point in the historical asset configuration information is compared with the evaluation criteria in the scoring rule. Based on the comparison results, the corresponding score for each item is determined. The scores are then processed according to the aggregation method specified in the scoring rule to obtain the user's historical asset configuration score. After completing the above two scoring operations, a preset weighting coefficient is obtained, where the user basic information score corresponds to one weight value, and the historical asset configuration score corresponds to another weight value; the sum of the two weight values is one. The user basic information score is multiplied by its corresponding weight value to obtain a first product, and the historical asset configuration score is multiplied by its corresponding weight value to obtain a second product. The first product and the second product are added together to obtain the comprehensive evaluation score. Finally, the comprehensive assessment score can be compared with multiple preset level ranges to determine which level range the comprehensive assessment score falls into, and the level label corresponding to that level range can be determined as the user's risk level label.
[0050] The asset allocation strategy verification method in this application embodiment independently scores user basic information and historical asset allocation information and then weights and synthesizes them, quantifying multi-dimensional and different types of original information into comparable values. This makes the determination of risk level labels have clear operational basis and repeatability, improving the accuracy and consistency of risk assessment.
[0051] According to an embodiment of this application, matching an initial asset allocation strategy from a preset strategy library based on risk level labels and asset allocation constraints includes: matching at least one asset allocation strategy template from the preset strategy library based on risk level labels; determining the matching degree between each of the at least one asset allocation strategy templates and the asset allocation constraints; sorting the at least one asset allocation strategy templates according to the matching degree, and determining a target asset allocation strategy template from the at least one asset allocation strategy template based on the sorting result; and determining an initial asset allocation strategy based on the target asset allocation strategy template.
[0052] In some embodiments, the asset allocation strategy template may be a pre-configured standard scheme structure containing various configuration parameters. Each asset allocation strategy template is labeled with the applicable risk level and the values of each configuration parameter. The matching degree refers to the degree of conformity between the parameters of the configuration strategy template and the requirements of the asset allocation constraints; the higher the degree of conformity, the higher the matching degree value.
[0053] In some embodiments, firstly, risk level labels can be input as search criteria into a preset strategy library. The preset strategy library iterates through all asset allocation strategy templates stored therein, checking whether the applicable risk level labeled for each asset allocation strategy template is the same as the target user's risk level label. If the applicable risk level labeled for the asset allocation strategy template matches the target user's risk level label, then the asset allocation strategy template is included in the candidate set. If they do not match, then the asset allocation strategy template is excluded. After the above iteration and filtering operations, at least one candidate asset allocation strategy template is obtained from the preset strategy library.
[0054] Then, for each asset allocation strategy template in the candidate set, a matching degree calculation operation is performed. For example, each configuration parameter in the asset allocation strategy template can be obtained, and these parameters can be compared one by one with the requirements of the asset allocation constraints to determine whether each parameter meets the corresponding requirements and to what extent. For each parameter in the asset allocation strategy template, a deviation value is recorded based on its deviation from the constraint requirements. After all parameter items have been compared, the deviation values are combined to obtain the overall deviation degree between the asset allocation strategy template and the asset allocation constraints. The opposite direction of this overall deviation degree is quantified as a matching degree value; the smaller the deviation degree, the larger the matching degree value, and vice versa. This operation is performed on each asset allocation strategy template in the candidate set, so that each asset allocation strategy template obtains a corresponding matching degree value.
[0055] Next, based on the calculated matching scores for each asset allocation strategy template, all candidate asset allocation strategy templates are arranged in descending order of matching scores. The asset allocation strategy template with the highest matching score indicates the highest degree of compliance with the asset allocation constraints and is ranked first. After the ranking is completed, the target asset allocation strategy template is selected from the candidate set according to the ranking results. This selection operation is performed according to preset selection rules; for example, the asset allocation strategy template ranked first can be selected as the target asset allocation strategy template.
[0056] Finally, obtain all configuration parameters stored in the target asset allocation strategy template and extract these parameters as the content of the initial asset allocation strategy.
[0057] The asset allocation strategy verification method in this application automatically selects the strategy template that best matches the user's asset allocation constraints from the strategy library through a matching degree calculation and sorting mechanism. This replaces the manual comparison and selection process, improving matching efficiency and accuracy, and ensuring that the deviation between the selected initial strategy and the user's constraints is minimized.
[0058] According to the embodiments of this application, compliance verification of the initial asset allocation strategy is performed to obtain the verification result, which includes: verifying the initial asset allocation strategy according to multiple preset rules to obtain multiple verification sub-results, wherein one preset rule corresponds to one verification sub-result, and the verification sub-result indicates whether the verification passes or fails.
[0059] In some embodiments, preset rules refer to pre-defined inspection standards stored in the system. Each rule corresponds to a dimension that needs to be inspected, used to determine whether the initial asset allocation strategy meets the requirements in a certain aspect. A verification sub-result refers to a single conclusion obtained after verifying the initial asset allocation strategy according to a preset rule. Each preset rule corresponds to the output of a verification sub-result.
[0060] In some embodiments, the initial asset configuration strategy is first used as the object to be verified, and multiple pre-defined rules are read from the system. The number and content of these pre-defined rules have been configured before the system runs and can be directly invoked in this verification operation.
[0061] Then, for each of the multiple preset rules, an independent verification operation is performed. For example, for the currently processed preset rule, the check conditions recorded in the preset rule are compared with the corresponding content in the initial asset allocation strategy. If all the content in the initial asset allocation strategy related to the preset rule meets the check conditions recorded in the preset rule, the verification sub-result corresponding to the preset rule is recorded as verification passed. If any content in the initial asset allocation strategy does not meet the check conditions recorded in the preset rule, the verification sub-result corresponding to the preset rule is recorded as verification failed, and the specific content information involved in the failure is recorded for possible subsequent correction operations.
[0062] After executing one preset rule, the same operation is performed on the next preset rule until each of the multiple preset rules has completed the check on the initial asset allocation strategy and output its corresponding verification sub-result. The verification operations of each preset rule are independent of each other and do not affect each other.
[0063] The asset allocation strategy verification method in this application decomposes the overall compliance verification into multiple independent rule verifications, so that the compliance status of the initial asset allocation strategy in each dimension can be recorded and presented separately. When there is non-compliance, it can quickly locate which dimension or which item is non-compliant, improving the interpretability of the verification results and the pertinence of subsequent correction operations.
[0064] Figure 3 A flowchart illustrating a multi-layered compliance detection process according to an embodiment of this application is shown.
[0065] like Figure 3 As shown, the asset allocation strategy verification method according to the embodiments of this application may include steps S310 to S330.
[0066] In step S310, risk information of multiple products in the product configuration list is obtained, and risk inspection is performed on multiple products based on risk level labels and risk information of multiple products.
[0067] In some embodiments, a product may refer to financial products or other products that exist in a product configuration list, and each product has independent risk information.
[0068] In some embodiments, firstly, the identification information of each product can be read sequentially from the product configuration list. Then, based on this identification information, the corresponding risk information is queried in the system. This risk information is stored in the form of a preset level. For each product's risk level, the level is compared with the target user's risk level label to determine if the product's risk level is higher than the label. If a product's risk level is higher than the label, it means that the product's risk exceeds the user's tolerance level. The product is marked as failing the risk test, and its identification information is recorded. If a product's risk level is not higher than the label, it is marked as passing the risk test. The above query, comparison, and marking operations are performed on each product in the product configuration list until all products have completed the test. After all products have completed the test, all products marked as failing the risk test and their corresponding risk level information are summarized as the output result.
[0069] In step S320, the percentage information of multiple products in the product configuration list is obtained, and the percentage of multiple products is verified based on the percentage information of multiple products.
[0070] In some embodiments, the percentage information refers to the proportion of each product in the product configuration list within the overall configuration scheme. Percentage verification involves comparing the percentage of each product with the system's preset maximum percentage allowed for a single product to determine whether the configuration proportion of each product exceeds the allowed range. The preset maximum percentage allowed for a single product is a uniform upper limit, and the percentage of any product must not exceed this upper limit.
[0071] In some embodiments, firstly, the percentage value corresponding to each product is extracted sequentially from the product configuration list. This percentage value exists in the initial asset allocation strategy in the form of a percentage or decimal. For each extracted product's percentage value, it is compared with the system's preset maximum percentage that a single product can occupy to determine whether the product's percentage value exceeds the preset maximum percentage. If a product's percentage value exceeds the preset maximum percentage, it indicates that the product's proportion in the overall configuration is too large, which does not meet the requirements of distributed configuration. The product is marked as failing the percentage verification, and its identification information and actual percentage value are recorded. If a product's percentage value does not exceed the preset maximum percentage, the product is marked as passing the percentage verification. The above extraction, comparison, and marking operations are performed on each product in the product configuration list until all products have completed the percentage verification. After all products have completed the verification, all products marked as failing the percentage verification and their corresponding actual percentage values are summarized as the output result.
[0072] In step S330, compliance checks are performed on multiple products based on a preset list of prohibited configuration objects and a preset list of restricted configuration objects.
[0073] In some embodiments, the prohibited configuration object list refers to a pre-defined list of object names that are not allowed to appear in any configuration scheme. This list is maintained and updated by the system operator in accordance with relevant regulations. The restricted configuration object list refers to a pre-defined list of object names that can only appear in a configuration scheme when specific conditions are met. This list is also maintained by the system operator.
[0074] In some embodiments, firstly, the currently valid list of prohibited configuration objects (blacklist) and the list of restricted configuration objects (whitelist) can be read from the system. Then, the name of each product is sequentially obtained from the product configuration list. For a product currently being processed, its name is compared one by one with each item in the list of prohibited configuration objects. If the product name exists in the list of prohibited configuration objects, the product is marked as a prohibited violation object, and its name and violation type are recorded as prohibited configuration. If the product name does not exist in the list of prohibited configuration objects, the next comparison is performed, comparing its name one by one with each item in the list of restricted configuration objects. If the product name exists in the list of restricted configuration objects, the product is marked as a restricted violation object, and its name and violation type are recorded as restricted configuration. If the product name does not exist in either the list of prohibited or restricted configuration objects, the product passes the verification. The above reading, comparison, and marking operations are performed on each product in the product configuration list until all products have completed compliance verification. After all products have completed verification, all products marked as prohibited violations and restricted violations, along with their corresponding violation types, are summarized as the output.
[0075] In step S340, the actual proportion of each category of assets in the asset proportion information is obtained, and the compliance of the actual proportion of each category of assets is verified according to the asset allocation constraints.
[0076] In some embodiments, the actual percentage refers to the specific proportion of each category recorded in the asset percentage information under the current configuration scheme.
[0077] In some embodiments, firstly, asset proportion information can be read from the initial asset allocation strategy, which records each category and its corresponding actual proportion value. Then, the upper and lower limits for each category are extracted from the asset allocation constraints. For the currently processed category, the actual proportion value of the category is compared with the lower and upper limits of the category. It is determined whether the actual proportion is lower than the lower limit. If it is lower than the lower limit, it means that the proportion of the category in the overall allocation is too small. The category is marked as a violation below the lower limit, and the category name and actual proportion value are recorded. If the actual proportion is not lower than the lower limit, it is further determined whether the actual proportion is higher than the upper limit. If it is higher than the upper limit, it means that the proportion of the category in the overall allocation is too large. The category is marked as a violation above the upper limit, and the category name and actual proportion value are recorded. If the actual proportion is between the lower and upper limits, the category passes the verification. The above reading, comparison, and marking operations are performed on each category recorded in the asset proportion information until all categories have completed the compliance verification. After all categories have been tested, the output is a summary of all categories marked as below the lower limit and above the upper limit, along with their corresponding actual percentage values and constraint limits.
[0078] The asset allocation strategy verification method in this application embodiment comprehensively verifies the initial asset allocation strategy from four independent dimensions: matching individual product risk with user risk, upper limit of individual product proportion, filtering of prohibited and restricted objects, and overall proportion range of categories. Each dimension is executed independently and outputs its own verification results, effectively covering various non-compliant situations that may occur in the allocation strategy, and providing accurate positioning basis for subsequent correction operations.
[0079] According to embodiments of this application, determining the target asset allocation strategy based on the initial asset allocation strategy and verification results includes: if at least one verification sub-result among multiple verification sub-results indicates that the verification failed, modifying the initial asset allocation strategy based on at least one verification sub-result, and re-verifying the modified initial asset allocation strategy. If all verification sub-results indicate that the verification passed, generating the target asset allocation strategy based on the initial asset allocation strategy or the modified initial asset allocation strategy.
[0080] In some embodiments, firstly, multiple verification sub-results can be obtained, each corresponding to a verification conclusion of a preset rule. These multiple verification sub-results are then traversed and checked to determine if any sub-results indicate that the verification failed.
[0081] If, upon inspection, at least one sub-result among multiple verification sub-results fails the verification, it indicates that the initial asset allocation strategy fails to meet the rule requirements in at least one dimension and cannot be directly output as the final solution. In this case, firstly, detailed records are extracted from all sub-results that failed the verification. Each record contains information about the specific object marked as violating the rule and the specific rule content violated by that object. Then, based on all the extracted violation records, the configuration content in the initial asset allocation strategy directly associated with the violating object is located. Different types of correction operations are performed for different violation types, including but not limited to replacing violating products with other products that comply with the rules, adjusting the configuration ratio of products exceeding the proportional limit, and removing products from the prohibited or restricted list. After completing the above correction operations, the corrected initial asset allocation strategy is obtained. At this point, the corrected strategy is used as a new object to be verified, and a complete compliance verification process is re-executed, thus obtaining the verification sub-results corresponding to multiple preset rules again.
[0082] If, after inspection, all validation sub-results are found to have passed the validation, it indicates that the current initial asset allocation strategy meets the rule requirements in all dimensions and can be directly used as the final output. In this case, the current strategy is determined as the target asset allocation strategy.
[0083] If, after re-verification, there are still verification sub-results indicating that the verification has failed, the above correction and re-verification operations are repeated, that is, the violation records are extracted again, the correction is performed again, and the verification is performed again. This process is repeated until all verification sub-results pass the verification after a certain verification. The strategy held at this time is then determined as the target asset allocation strategy.
[0084] The asset allocation strategy verification method in this application embodiment ensures that the final output allocation strategy meets the rule requirements in all verification dimensions through a closed-loop mechanism of conditional branch processing and correction re-verification.
[0085] According to an embodiment of this application, the asset allocation strategy verification method further includes: generating and storing a decision report based on the determination process of the target asset allocation strategy, wherein the decision report is used to display profile information, initial asset allocation strategy, verification results, and the generation process of the target asset allocation strategy.
[0086] In some embodiments, a decision report refers to a documented set of information used to record the complete process of determining a target asset allocation strategy. The determination process refers to all operational steps and their corresponding input and output data in this complete chain, starting from obtaining the target user's profile information, obtaining risk assessment information through risk assessment, generating an initial asset allocation strategy based on risk level labels and asset allocation constraints, performing compliance verification on the initial asset allocation strategy, and determining the target asset allocation strategy based on the verification results.
[0087] The asset allocation strategy verification method in this application generates and stores a decision report containing profile information, initial plan, verification results and generation process, which fully records the entire chain of information from generation to determination of the configuration strategy, making the decision-making process transparent and traceable, and facilitating subsequent auditing, compliance review and strategy review.
[0088] Based on the above-described asset allocation strategy verification method, embodiments of this application also provide an asset allocation strategy verification device. The following will be combined with... Figure 4 The device is described in detail.
[0089] Figure 4 A schematic block diagram of an asset allocation strategy verification device according to an embodiment of this application is shown.
[0090] like Figure 4 As shown, the asset configuration strategy verification device 400 in this embodiment includes an information acquisition module 410, a strategy matching module 420, a compliance verification module 430, and a strategy determination module 440.
[0091] The information acquisition module 410 is used to acquire the profile information of the target user and conduct risk assessment on the user based on the profile information to obtain the risk assessment information corresponding to the target user. The risk assessment information includes risk level labels and asset allocation constraints. In one embodiment, the information acquisition module 410 can be used to execute step S210 described above, which will not be repeated here.
[0092] The strategy matching module 420 is used to match an initial asset allocation strategy from a preset strategy library based on risk level labels and asset allocation constraints. The initial asset allocation strategy includes asset proportion information and a product configuration list. In one embodiment, the strategy matching module 420 can be used to execute step S220 described above, which will not be repeated here.
[0093] The compliance verification module 430 is used to perform compliance verification on the initial asset allocation strategy and obtain a verification result, which indicates whether the verification passes or fails. In one embodiment, the compliance verification module 430 can be used to execute step S230 described above, which will not be repeated here.
[0094] The strategy determination module 440 is used to determine the target asset allocation strategy based on the initial asset allocation strategy and the verification results. In one embodiment, the strategy determination module 440 can be used to execute step S240 described above, which will not be repeated here.
[0095] According to embodiments of this application, any multiple modules among the information acquisition module 410, policy matching module 420, compliance verification module 430, and policy determination module 440 can be combined into one module, or any one of these modules can be split into multiple modules. Alternatively, at least some of the functions of one or more of these modules can be combined with at least some of the functions of other modules and implemented in one module. According to embodiments of this application, at least one of the information acquisition module 410, policy matching module 420, compliance verification module 430, and policy determination module 440 can be at least partially implemented as hardware circuitry, such as field-programmable gate arrays, programmable logic arrays, systems-on-a-chip, systems-on-a-substrate, systems-on-package, application-specific integrated circuits, or any other reasonable means of integrating or packaging circuitry, or implemented in software, hardware, or firmware, or in any appropriate combination of any of these three implementation methods. Alternatively, at least one of the information acquisition module 410, policy matching module 420, compliance verification module 430, and policy determination module 440 may be implemented at least partially as a computer program module, which can perform corresponding functions when the computer program module is run.
[0096] Figure 5 A block diagram of an electronic device suitable for implementing an asset allocation strategy verification method according to an embodiment of this application is shown schematically.
[0097] like Figure 5 As shown, an electronic device 500 according to an embodiment of this application includes a processor 501, which can perform various appropriate actions and processes according to a program stored in a read-only memory 502 or a program loaded from a storage portion 508 into a random access memory 503. The processor 501 may include, for example, a general-purpose microprocessor, an instruction set processor and / or an associated chipset and / or a dedicated microprocessor. The processor 501 may also include onboard memory for caching purposes. The processor 501 may include a single processing unit or multiple processing units for executing different steps of the method flow according to an embodiment of this application.
[0098] Random access memory 503 stores various programs and data required for the operation of electronic device 500. Processor 501, read-only memory 502, and random access memory 503 are interconnected via bus 504. Processor 501 executes various steps of the method flow according to embodiments of this application by executing programs in read-only memory 502 and / or random access memory 503. It should be noted that the programs may also be stored in one or more memories other than read-only memory 502 and random access memory 503. Processor 501 may also execute various steps of the method flow according to embodiments of this application by executing programs stored in said one or more memories.
[0099] According to embodiments of this application, the electronic device 500 may further include an input / output interface 505, which is also connected to a bus 504. The electronic device 500 may also include one or more of the following components connected to the input / output interface 505: an input section 506 including a keyboard, mouse, etc.; an output section 507 including a cathode ray tube, liquid crystal display, etc., and a speaker, etc.; a storage section 508 including a hard disk, etc.; and a communication section 509 including a network interface card, such as a local area network card, modem, etc. The communication section 509 performs communication processing via a network such as the Internet. A drive 510 is also connected to the input / output interface 505 as needed. A removable medium 511, such as a disk, optical disk, magneto-optical disk, semiconductor memory, etc., is installed on the drive 510 as needed so that computer programs read from it can be installed into the storage section 508 as needed.
[0100] Embodiments of this application also provide a computer-readable storage medium, which may be included in the device / apparatus / system described in the above embodiments; or it may exist independently and not assembled into the device / apparatus / system. The computer-readable storage medium carries one or more programs, which, when executed, implement the method according to the embodiments of this application.
[0101] According to embodiments of this application, the computer-readable storage medium can be a non-volatile computer-readable storage medium, such as including but not limited to: portable computer disks, hard disks, random access memory, read-only memory, erasable programmable read-only memory, portable compact disk read-only memory, optical storage devices, magnetic storage devices, or any suitable combination thereof. In embodiments of this application, the computer-readable storage medium can be any tangible medium containing or storing a program that can be used by or in conjunction with an instruction execution system, apparatus, or device. For example, according to embodiments of this application, the computer-readable storage medium may include the read-only memory 502, and / or random access memory 503, and / or one or more memories other than read-only memory 502 and random access memory 503 described above.
[0102] Embodiments of this application also include a computer program product comprising a computer program containing program code for performing the methods shown in the flowchart. When the computer program product is run on a computer system, the program code is used to cause the computer system to implement the methods provided in the embodiments of this application.
[0103] In one embodiment, the computer program may rely on a tangible storage medium such as an optical storage device or a magnetic storage device. In another embodiment, the computer program may also be transmitted and distributed in the form of signals over a network medium, and may be downloaded and installed via the communication section 509, and / or installed from a removable medium 511. The program code contained in the computer program can be transmitted using any suitable network medium, including but not limited to: wireless, wired, etc., or any suitable combination thereof.
[0104] In embodiments of this application, the computer program can be downloaded and installed from a network via communication section 509, and / or installed from removable medium 511. When the computer program is executed by processor 501, it performs the functions defined in the system of this application embodiment. According to embodiments of this application, the systems, devices, apparatuses, modules, units, etc., described above can be implemented by computer program modules.
[0105] According to embodiments of this application, program code for executing the computer programs provided in the embodiments of this application can be written in any combination of one or more programming languages. Specifically, these computational programs can be implemented using high-level procedural and / or object-oriented programming languages, and / or assembly / machine languages. The program code can be executed entirely on the user's computing device, partially on the user's device, partially on a remote computing device, or entirely on a remote computing device or server. In cases involving remote computing devices, the remote computing device can be connected to the user's computing device via any type of network, including a local area network (LAN) or a wide area network (WAN), or it can be connected to an external computing device (e.g., via the Internet using an Internet service provider).
[0106] The flowcharts and block diagrams in the accompanying drawings illustrate the architecture, functionality, and operation of possible implementations of systems, methods, and computer program products according to various embodiments of this application. In this regard, each block in a flowchart or block diagram may represent a module, segment, or portion of code containing one or more executable instructions for implementing a specified logical function. It should also be noted that in some alternative implementations, the functions indicated in the blocks may occur in a different order than those indicated in the drawings. For example, two consecutively indicated blocks may actually be executed substantially in parallel, and they may sometimes be executed in reverse order, depending on the functions involved. It should also be noted that each block in a block diagram or flowchart, and combinations of blocks in a block diagram or flowchart, may be implemented using a dedicated hardware-based system that performs the specified function or operation, or using a combination of dedicated hardware and computer instructions.
[0107] Those skilled in the art will understand that the features described in the various embodiments of this application can be combined and / or combined in various ways, even if such combinations or combinations are not explicitly described in this application. In particular, the features described in the various embodiments of this application can be combined and / or combined in various ways without departing from the spirit and teachings of this application. All such combinations and / or combinations fall within the scope of this application.
Claims
1. A method for verifying asset allocation strategies, characterized in that, The method includes: Obtain the profile information of the target user, and conduct a risk assessment on the user based on the profile information to obtain the risk assessment information corresponding to the target user. The risk assessment information includes risk level labels and asset allocation constraints. Based on the risk level label and the asset allocation constraints, an initial asset allocation strategy is matched from a preset strategy library. The initial asset allocation strategy includes asset proportion information and a product configuration list. The initial asset allocation strategy is subjected to compliance verification to obtain a verification result, which indicates whether the verification passes or fails. Based on the initial asset allocation strategy and the verification results, the target asset allocation strategy is determined.
2. The method according to claim 1, characterized in that, The profile information includes the target user's basic information and the user's corresponding historical asset configuration information. The process of obtaining the target user's profile information and performing a risk assessment on the user based on the profile information to obtain the target user's corresponding risk assessment information includes: The user's basic information and the historical asset configuration information are scored according to the preset scoring rules to obtain the user's basic information score and the historical asset configuration score, respectively. The user's basic information score and the historical asset allocation score are weighted and summed according to preset weights to obtain a comprehensive evaluation score. The risk level label is determined based on the comprehensive assessment score.
3. The method according to claim 1, characterized in that, The step of matching an initial asset allocation strategy from a preset strategy library based on the risk level label and the asset allocation constraints includes: Based on the risk level label, at least one asset allocation strategy template is matched from the preset strategy library; Determine the degree of matching between each asset allocation strategy template in the at least one asset allocation strategy template and the asset allocation constraints; The at least one asset allocation strategy template is sorted according to the matching degree, and the target asset allocation strategy template is determined from the at least one asset allocation strategy template according to the sorting result; The initial asset allocation strategy is determined based on the target asset allocation strategy template.
4. The method according to claim 1, characterized in that, The compliance verification of the initial asset allocation strategy, and the verification results include: The initial asset configuration strategy is verified according to multiple preset rules to obtain multiple verification sub-results. Each preset rule corresponds to one verification sub-result, and the verification sub-result indicates whether the verification passes or fails.
5. The method according to claim 4, characterized in that, The step of validating the initial asset allocation strategy according to multiple preset rules includes: Obtain risk information for multiple products in the product configuration list, and perform risk verification on the multiple products based on the risk level labels and the risk information of the multiple products; Obtain the percentage information of multiple products in the product configuration list, and verify the percentage of the multiple products based on the percentage information of the multiple products; Based on a preset list of prohibited configuration objects and a preset list of restricted configuration objects, compliance checks are performed on the multiple products. Obtain the actual proportion of each asset category in the asset proportion information, and perform a compliance check on the actual proportion of each asset category according to the asset allocation constraints.
6. The method according to claim 4, characterized in that, The step of determining the target asset allocation strategy based on the initial asset allocation strategy and the verification result includes: If at least one of the multiple verification sub-results indicates that the verification fails, the initial asset allocation strategy is corrected based on the at least one verification sub-result, and the corrected initial asset allocation strategy is re-verified. If all the verification sub-results indicate that the verification has passed, the target asset allocation strategy is generated according to the initial asset allocation strategy or the modified initial asset allocation strategy.
7. The method according to claim 1, characterized in that, The method further includes: Based on the determination process of the target asset allocation strategy, a decision report is generated and stored. The decision report is used to display the profile information, the initial asset allocation strategy, the verification results, and the generation process of the target asset allocation strategy.
8. An asset allocation strategy verification device, characterized in that, The device includes: The information acquisition module is used to acquire the profile information of the target user and conduct a risk assessment on the user based on the profile information to obtain the risk assessment information corresponding to the target user. The risk assessment information includes risk level tags and asset allocation constraints. The strategy matching module is used to match an initial asset allocation strategy from a preset strategy library based on the risk level label and the asset allocation constraints. The initial asset allocation strategy includes asset proportion information and a product configuration list. The compliance verification module is used to perform compliance verification on the initial asset configuration strategy and obtain the verification result, which indicates whether the verification passes or fails. The strategy determination module is used to determine the target asset allocation strategy based on the initial asset allocation strategy and the verification result.
9. An electronic device, comprising: One or more processors; Memory, used to store one or more computer programs. The characteristic feature is that the one or more processors execute the one or more computer programs to implement the steps of the method according to any one of claims 1 to 7.
10. A computer-readable storage medium having a computer program or instructions stored thereon, characterized in that, When the computer program or instructions are executed by a processor, they implement the steps of the method according to any one of claims 1 to 7.
11. A computer program product, comprising a computer program or instructions, characterized in that, When the computer program or instructions are executed by a processor, they implement the steps of the method according to any one of claims 1 to 7.