WO2019019649A1

WO2019019649A1 - Method and apparatus for generating investment portfolio product, storage medium and computer device

Info

Publication number: WO2019019649A1
Application number: PCT/CN2018/078323
Authority: WO
Inventors: 田间
Original assignee: 深圳壹账通智能科技有限公司
Priority date: 2017-07-28
Filing date: 2018-03-07
Publication date: 2019-01-31
Also published as: CN107730386A

Abstract

The present application relates to a method and apparatus for generating an investment portfolio product, a storage medium and a computer device. The method comprises: receiving an investment portfolio product generation request sent by a user terminal, wherein the generation request includes personal information and expected resource change information about a corresponding user; according to the personal information and the expected resource change information, calculating a user risk value of the user; according to a product risk value of each fixed investment product and the user risk value, calculating a matching degree between each fixed investment product and the user; extracting product information about a first quantity of fixed investment products having the highest matching degree; according to the matching degree, calculating a combination proportion of each extracted fixed investment product; and according to the product information and the combination proportion, generating an investment portfolio product, and sending product information about the investment portfolio product to the user terminal. A matching degree between an investment portfolio product recommended to a user and the user can be increased.

Description

Method, device, storage medium and computer equipment for generating portfolio products

The present application claims the priority of the Chinese patent application filed on July 28, 2017, with the application number of 201710629327.9, entitled "Generation method, device, storage medium and computer equipment for investment portfolio products", the overall content of the Chinese patent application It is incorporated herein by reference.

Technical field

The present application relates to the field of information processing technologies, and in particular, to a method, an apparatus, a storage medium, and a computer device for generating a portfolio product.

Background technique

Portfolio products are a combination of investment products that are composed of a number of investment products (such as stocks, bonds, funds, insurance, futures, etc.) in a certain proportion. The purpose of selecting a portfolio product is to spread risk and/or gain resource growth. With the diversification of investment products, it is an increasingly common trend to recommend asset portfolios to users.

The traditional way of recommending portfolio products, because the pre-generated portfolio products have been fixed, and each user's personal information and expected risks and resource growth are not necessarily the same, therefore, this traditional is used for users. The recommended portfolio products do not match the users to be recommended.

Summary of the invention

Based on this, it is necessary to provide a method, device, storage medium, and computer device for generating a portfolio product capable of improving the matching degree between the recommended portfolio product and the user in response to the above technical problem.

A method for generating a portfolio product, the method comprising: receiving a request for generating a portfolio product sent by a user terminal, wherein the generation request includes personal information of the corresponding user and expected resource change information; according to the personal information and the Calculating the user risk value of the user according to the expected resource change information; calculating the matching degree between each fixed investment product and the user according to the product risk value of each fixed investment product and the user risk value; and extracting the highest matching degree Product information of the first quantity of fixed investment products; calculating a combination ratio of each extracted fixed investment product according to the matching degree; generating a portfolio product according to the product information and the combined ratio, and using the portfolio product Product information is sent to the user terminal.

A device for generating a portfolio product, the device comprising: a generation request acquisition module, configured to receive a generation request of a portfolio product sent by a user terminal, where the generation request includes personal information of the corresponding user and expected resource change information; a risk value calculation module, configured to calculate a user risk value of the user according to the personal information and the expected resource change information; a matching degree calculation module, configured to compare the product risk value of each fixed investment product with the user a risk value, calculating a matching degree between each fixed investment product and the user; a portfolio product generating module, configured to extract product information of a first quantity of fixed investment products with the highest matching degree; and calculating each extraction according to the matching degree a combination ratio of the fixed investment products; generating a portfolio product according to the product information and the combined ratio, and transmitting the product information of the portfolio product to the user terminal.

A computer readable storage medium having stored thereon computer instructions, the instructions being executed by the processor, the step of: receiving a request for generating a portfolio product sent by a user terminal, wherein the generating request includes personal information of the corresponding user and Expecting resource change information; calculating a user risk value of the user according to the personal information and the expected resource change information; calculating each fixed investment product according to a product risk value of each fixed investment product and the user risk value Matching degree with the user; extracting product information of the first quantity of fixed investment products with the highest matching degree; calculating a combination ratio of each extracted fixed investment product according to the matching degree; according to the product information and the combination The ratio generates a portfolio product, and the product information of the portfolio product is sent to the user terminal.

A computer device comprising a memory, a processor, and a computer program stored on the memory and operable on the processor, the processor executing the program, the step of: receiving a request for generating a portfolio product sent by the user terminal The generation request includes personal information and expected resource change information of the corresponding user; calculating a user risk value of the user according to the personal information and the expected resource change information; and product risk value according to each fixed investment product Calculating, with the user risk value, a matching degree between each fixed investment product and the user; extracting product information of the first quantity of fixed investment products with the highest matching degree; calculating each extracted fixed investment product according to the matching degree a combination ratio; generating a portfolio product according to the product information and the combination ratio, and transmitting the product information of the portfolio product to the user terminal.

The above-mentioned method, apparatus, storage medium and computer equipment for generating a portfolio product, the generated fixed investment product is related to the user's personal information and expected resource change information, and realizes different investments according to different personal information and expected resource change information. The combination of product generation makes the generated portfolio products more flexible and versatile, and more compatible with users.

DRAWINGS

1 is an application environment diagram of a method for generating a portfolio product in an embodiment;

2 is a flow chart of a method for generating a portfolio product in an embodiment;

3 is a flow chart showing a process of resource simulation processing of a portfolio product in one embodiment;

4 is a flow chart of a method for generating a portfolio product in another embodiment;

FIG. 5 is a structural block diagram of a device for generating a portfolio product in an embodiment; FIG.

6 is a structural block diagram of a device for generating a portfolio product in another embodiment;

7 is a structural block diagram of a device for generating a portfolio product in still another embodiment;

Figure 8 is a diagram showing the internal structure of a server in one embodiment.

Detailed ways

In order to make the objects, technical solutions, and advantages of the present application more comprehensible, the present application will be further described in detail below with reference to the accompanying drawings and embodiments. It is understood that the specific embodiments described herein are merely illustrative of the application and are not intended to be limiting. It will be understood that the terms "first", "second" and the like, as used herein, may be used to describe various elements, but these elements are not limited by these terms. These terms are only used to distinguish one element from another. For example, a first quantity may be referred to as a second quantity, and, similarly, a second quantity may be referred to as a first quantity, without departing from the scope of the present application. Both the first quantity and the second quantity are quantities, but they are not the same quantity.

The method for generating a portfolio product provided by the embodiment of the present application can be applied to an application environment as shown in FIG. 1 . Referring to FIG. 1, the terminal 110 can be connected to the server 120 via a network. The terminal 110 may include, but is not limited to, a mobile phone, a handheld game console, a tablet computer, a personal digital assistant, or a wearable device. The server 120 stores information of a plurality of fixed investment products, and the terminal 110 receives a generation instruction for the portfolio product input by the user, and transmits a corresponding generation request to the server 120 according to the generation instruction. The server 120 may receive a request for generating a portfolio product sent by the terminal 110, where the request includes the personal information of the corresponding user and the expected resource change information; and calculate the user risk value of the user according to the personal information and the expected resource change information; Calculate the product risk value and user risk value of the investment product, calculate the matching degree between each fixed investment product and the user; extract the product identification of the first quantity of fixed investment products with the highest matching degree; calculate the product identification of each extracted product according to the matching degree The combination ratio is generated according to the product identification and the combination ratio, and the product information of the portfolio product is sent to the terminal 110. It is realized that the portfolio product to be recommended is adaptively generated according to the user's personal information and the expected resource change information.

In an embodiment, as shown in FIG. 2, a method for generating a portfolio product is provided, which is applicable to the server shown in FIG. 1, and includes:

Step S202: Receive a request for generating a portfolio product sent by the user terminal, where the request includes personal information of the corresponding user and expected resource change information.

In this embodiment, the user terminal may provide an information input interface for the user to generate the portfolio product, and receive personal information and expected resource change information input by the user on the interface. The resource change information is used to indicate the initial value of the resource and/or the rate of change of the resource desired by the user, and may specifically include the resource value of the portfolio product desired to be purchased, and the value of the resource loss or the proportion of the loss that can be tolerated. The user terminal receives a transmission instruction for the input information, generates a request for generation of the portfolio product based on the transmission instruction, and transmits the production request to the server.

Step S204, calculating a user risk value of the user according to the personal information and the expected resource change information.

In this embodiment, the user risk value refers to the calculated strength to reflect the user's reasonable tolerance to the risk. The smaller the user risk value, the greater the user's reasonable tolerance to risk.

In an embodiment, the step S204 includes: calculating reference resource change information that matches the user according to the personal information; and calculating the user risk value of the user according to the reference resource change information and the expected resource change information.

Specifically, the server may further set reference resource change information, where the resource change information is calculated according to the user's personal information, for the user to refer to, and according to the calculated reference resource change information and the user. The expected resource change information is input to calculate the user risk value of the user. The reference resource change information may be calculated according to the field information of the personal information that can reflect the risk tolerance capability, and is calculated according to the determined risk tolerance of the user, including the value of the resource change for the user reference and/or Rate of change.

In this embodiment, the reference resource change information is introduced, and the user risk value of the user is calculated by combining the reference resource change information with the expected resource change information, so that the user risk value can take into account the reasonable risk and the expected risk of the user.

Step S206, calculating the matching degree between each fixed investment product and the user according to the product risk value and the user risk value of each fixed investment product.

In this embodiment, the product information of the plurality of fixed investment products is stored in the server to calculate the product risk value of the corresponding product. And comparing the size of the product risk value of each fixed investment product with the risk value of the user, and calculating the matching degree between the corresponding product and the user according to the size.

Step S208, extracting product information of the first quantity of fixed investment products with the highest degree of matching.

In this embodiment, the server also presets the extracted quantity (first quantity) of the fixed investment product. The first quantity may be a fixed value, and may also be a value set according to a setting request sent by the user terminal or the administrator terminal, and the setting request may carry information set on the quantity of the fixed investment product.

The server may generate product identification ranking information for each fixed investment product according to the calculated matching degree, and select a product identifier of the first first number of fixed investment products before the sorting according to the ranking, and obtain the product identifier according to the product identifier Corresponding product information.

Step S210, calculating a combination ratio of each extracted fixed investment product according to the matching degree.

In this embodiment, the server further sets a calculation model for the combined ratio of each extracted fixed investment product, and sets the first matching degree with the highest matching degree as the input of the calculation model, and the calculation model is adopted. The combined ratio of each fixed portfolio product can be output.

Step S212, generating a portfolio product according to the product information and the combination ratio, and transmitting the product information of the portfolio product to the user terminal.

In this embodiment, the server may be combined into a corresponding portfolio product according to the calculated combination ratio of each fixed investment product. The portfolio product consists of each fixed investment product in accordance with the calculated combination ratio. The product information of the portfolio product contains the product information of the fixed investment products constituting the product and the combined proportion of the corresponding products. The server can send the product information of the generated portfolio product to the user terminal, and realize the recommendation for the user to make a portfolio product.

In an embodiment, before the step S206, the method further includes: obtaining a quantized value of a reference factor of each fixed investment product; and calculating a product risk value corresponding to the fixed investment product according to the quantized value of the reference factor.

In one embodiment, the reference factor can include a resource size factor, a resource change factor, and a resource impact factor. The resource size factor is used to reflect the size and/or volume of the resources of the fixed investment product; the resource change factor is used to reflect the change information such as the change value and/or the change rate of the resource; the resource impact factor is used to reflect the impact on the fixed investment product. The factor of resource size and / or resource change.

In one embodiment, the product risk value corresponding to the fixed investment product is calculated according to the quantized value of the reference factor, including: calculating the weight of each reference factor of the fixed investment product according to the user risk value; and the quantized value according to each reference factor And the weight value calculates the product risk value corresponding to the fixed investment product.

In this embodiment, the weight of each reference factor may further be set, and the weight may be a fixed weight, or may be a weight of the dynamic change determined according to the user risk value and the quantized value of the reference factor. When the weight is dynamically changed, the server may set a mapping relationship between different user risk values and weights of each reference factor. According to the mapping relationship, the weights of each reference factor may be correspondingly calculated, and different The weight of each parameter factor under the user risk value is not necessarily the same.

The server may perform a numerical operation according to the quantization parameter of each reference factor and the corresponding weight, and set the calculated final value to the product risk value corresponding to the fixed investment product. By introducing the weight of the quantization parameter, the weight can reflect the influence of each quantization parameter on the product risk value, so that the calculated product risk value is more accurate.

In one embodiment, the personal information includes a user identifier; calculating a combined ratio of each extracted fixed investment product according to the matching degree, comprising: dividing the first quantity of the fixed investment product into the second quantity of the product group, according to the matching degree Calculate the proportion of the portfolio of fixed investment products in each product group; generate portfolio products based on product identification and portfolio ratio, including: generating portfolio products based on product information and portfolio ratios of fixed investment products in each product group.

In this embodiment, the server further presets the generated quantity of the portfolio product, that is, the quantity of the product group, that is, the second quantity mentioned above, and generates a corresponding investment portfolio by the fixed investment products included in each product group. product. The second quantity is similar to the first quantity. The server further sets the constituent quantities of the fixed investment products in each portfolio product, and selects a fixed number of fixed investment products from the first number of fixed investment products to be grouped, thereby generating a second quantity of product groups. And according to the matching degree of the fixed investment products in each product group, the combined proportion of each fixed investment product is calculated, and the corresponding portfolio product is generated according to the combined ratio. Through the above method, a second quantity of portfolio products can be generated for the user to select. Wherein, the first quantity of each fixed investment product may be selected to be one or several portfolio products. By generating a second number of portfolio products, the user-selectable portfolio products are more diverse.

In an embodiment, after the product information of the portfolio product is sent to the user terminal, the method further includes: receiving a selection instruction for the portfolio product sent by the user terminal; setting a product identifier for the selected portfolio product, A relationship is established between the set product identifier and the user ID.

The server may receive the selection instruction sent by the user terminal, determine the corresponding selected portfolio product according to the selection instruction, and set a product identifier for the portfolio product, and establish an association relationship between the product identifier and the user identifier, thereby marking the product as The product selected by the user.

In an embodiment, after establishing the association between the set product identifier and the user identifier, the method further includes a process of simulating the resource of the portfolio product, as shown in FIG. 3, the process includes:

Step S302: Receive a resource simulation processing instruction for the selected portfolio product, where the resource simulation processing instruction carries the simulated resource initial value and the simulation effective time.

Step S304, obtaining real-time rate of change of resources of each fixed investment product in the selected portfolio product.

Step S306, calculating a simulated resource change value of the selected portfolio product according to a combination ratio of each fixed investment product, a real-time resource change rate, an initial resource value, and an effective time.

Step S308, the simulated resource change value is sent to the user terminal.

In one embodiment, as shown in FIG. 4, another method for generating a portfolio product is provided, the method comprising:

Step S401: Receive a request for generating a portfolio product sent by the user terminal, where the request includes personal information of the corresponding user and expected resource change information.

Step S402, calculating reference resource change information that matches the user according to the personal information.

Step S403, calculating a user risk value of the user according to the reference resource change information and the expected resource change information.

Step S404, obtaining a quantized value of a reference factor of each fixed investment product, and calculating a weight of each reference factor of the fixed investment product according to the user risk value.

Step S405, calculating a product risk value corresponding to the fixed investment product according to the quantized value and the weight of each reference factor.

In this embodiment, the quantized values of the above nine factors are respectively recorded as a factor value of 1 to a factor of 9, and the corresponding weights are k ₁ to k ₉ . For each fixed investment product, the corresponding factor mean and factor standard deviation are calculated according to the nine factor values. The product risk value of a fixed investment product can be calculated according to the following formula:

Step S406: Calculate the matching degree between each fixed investment product and the user according to the product risk value and the user risk value of each fixed investment product.

In this embodiment, the smaller the error between the product risk value and the user risk value, the greater the matching degree between the corresponding fixed investment product and the user. Specifically, the matching degree of each product to the user can be

Calculated.

Step S407, extracting product information of the first quantity of fixed investment products with the highest matching degree, dividing the first quantity of fixed investment products into the second quantity of product groups, and calculating the fixed investment products in each product group according to the matching degree. Combination ratio.

Step S408, generating a portfolio product according to product information and a combination ratio of the fixed investment products in each product group, and transmitting the product information of the portfolio product to the user terminal.

Step S409, receiving a selection instruction for the portfolio product sent by the user terminal; setting a product identifier for the selected portfolio product, and establishing an association relationship between the set product identifier and the user identifier.

In one embodiment, as shown in FIG. 5, a generating device for generating a portfolio product is provided, the device comprising:

The generating request obtaining module 502 is configured to receive a request for generating a portfolio product sent by the user terminal, where the generating request includes personal information of the corresponding user and expected resource change information. The risk value calculation module 504 is configured to calculate a user risk value of the user according to the personal information and the expected resource change information. The matching degree calculation module 506 is configured to calculate the matching degree between each fixed investment product and the user according to the product risk value and the user risk value of each fixed investment product. The portfolio product generation module 508 is configured to extract product information of the first quantity of fixed investment products with the highest matching degree; calculate a combination ratio of each extracted fixed investment product according to the matching degree; and generate a portfolio product according to the product information and the combination ratio The product information of the portfolio product is sent to the user terminal.

In one embodiment, the risk value calculation module 504 is further configured to obtain a quantized value of a reference factor of each fixed investment product; and calculate a product risk value corresponding to the fixed investment product according to the quantized value of the reference factor.

In one embodiment, the reference factor includes a plurality of; the risk value calculation module 504 is further configured to calculate a weight of each reference factor of the fixed investment product according to the user risk value; and calculate the quantized value and the weight according to each reference factor. Corresponding to the product risk value of fixed investment products.

In one embodiment, the risk value calculation module 504 is further configured to calculate reference resource change information that matches the user according to the personal information; and calculate the user risk value of the user according to the reference resource change information and the expected resource change information.

In one embodiment, the personal information includes a user identifier; the portfolio product generation module 508 is further configured to divide the first quantity of fixed investment products into a second quantity of product groups, and calculate the fixed in each product group according to the matching degree. Portfolio ratio of investment products; portfolio products are generated based on product information and portfolio ratios of fixed investment products in each product group.

In an embodiment, as shown in FIG. 6, another generating device for generating a portfolio product is provided. The device further includes: a portfolio product selection module 510, configured to receive a selection instruction for the portfolio product sent by the user terminal. Setting a product identifier for the selected portfolio product, and establishing an association relationship between the set product identifier and the user identifier.

In an embodiment, as shown in FIG. 7, the foregoing apparatus further includes:

The resource simulation processing module 512 is configured to receive a resource simulation processing instruction for the selected portfolio product, where the resource simulation processing instruction carries the simulated resource initial value and the simulation effective time; and obtains each fixed investment in the selected portfolio product. The real-time rate of change of the product's resources; according to the combination ratio of each fixed investment product, the real-time rate of change of resources, the initial value of the resource, and the effective time, calculate the simulated resource change value of the selected portfolio product; send the simulated resource change value to the user terminal .

The various modules in the above-described production device of the portfolio product may be implemented in whole or in part by software, hardware, and combinations thereof. The network interface may be an Ethernet card or a wireless network card. The above modules may be embedded in the hardware in the processor or in the memory in the server, or may be stored in the memory in the server, so that the processor calls the corresponding operations of the above modules. The processor can be a central processing unit (CPU), a microprocessor, a microcontroller, or the like.

In one embodiment, a computer readable storage medium is provided having stored thereon computer instructions that, when executed by a processor, implement the steps of the method of generating a portfolio product provided by the various embodiments described above.

Specifically, when the instruction is executed by the processor, the following steps are implemented: receiving a request for generating a portfolio product sent by the user terminal, where the request includes personal information of the corresponding user and expected resource change information; and calculating according to the personal information and the expected resource change information. Calculate the user risk value of the user; calculate the matching degree between each fixed investment product and the user according to the product risk value and the user risk value of each fixed investment product; and extract the product information of the first quantity of the fixed investment product with the highest matching degree; Calculating the combination ratio of each extracted fixed investment product according to the matching degree; generating the investment portfolio product according to the product information and the combination ratio, and transmitting the product information of the portfolio product to the user terminal.

In one embodiment, when the instruction is executed by the processor, before calculating the matching degree between each fixed investment product and the user according to the product risk value and the user risk value of each fixed investment product, the following steps are also implemented: Obtain a quantitative value of the reference factor of each fixed investment product; calculate the product risk value corresponding to the fixed investment product according to the quantified value of the reference factor.

In one embodiment, the reference factor includes a plurality of; the instruction is calculated by the processor to calculate a product risk value corresponding to the fixed investment product according to the quantized value of the reference factor, including: calculating each fixed investment product according to the user risk value The weight of the reference factor; the product risk value corresponding to the fixed investment product is calculated according to the quantified value and the weight of each reference factor.

In one embodiment, the instruction is calculated by the processor to calculate the user risk value according to the personal information and the expected resource change information, including: calculating reference resource change information matching the user according to the personal information; The resource change information and the expected resource change information calculate the user's user risk value.

In one embodiment, the personal information includes a user identifier; the personal information implemented when the instruction is executed by the processor includes a user identifier; and the combined ratio of each extracted fixed investment product is calculated according to the matching degree, including: the first quantity is The fixed investment product is divided into a second number of product groups, and the proportion of the fixed investment products in each product group is calculated according to the matching degree.

The instruction generates the portfolio product according to the product identification and the combination ratio realized by the processor, and comprises: generating the portfolio product according to the product information and the combination ratio of the fixed investment products in each product group.

When the instruction is executed by the processor, after the product information of the portfolio product is implemented and sent to the user terminal, the method further includes the following steps: receiving a selection instruction for the portfolio product sent by the user terminal; and selecting the selected portfolio product Set the product ID to establish a relationship between the set product ID and the user ID.

In an embodiment, after the instruction is executed by the processor, after implementing the association between the set product identifier and the user identifier, the method further includes the step of: receiving a resource simulation processing instruction for the selected portfolio product. The resource simulation processing instruction carries the initial value of the simulated resource and the effective time of the simulation; obtains the real-time change rate of the resources of each fixed investment product in the selected portfolio product; according to the combination ratio of each fixed investment product, the resource changes in real time. The rate, the initial value of the resource, and the effective time, calculate the simulated resource change value of the selected portfolio product; and send the simulated resource change value to the user terminal.

In one embodiment, a computer device is provided, comprising a memory, a processor, and a computer program stored on the memory and operable on the processor, the processor implementing the portfolio product provided by the foregoing embodiments when executing the program The steps of the generation method.

The above computer device may be the server described above. As shown in FIG. 8, it is a schematic diagram of the internal structure of a server in one embodiment. The server includes a processor, memory, and network interface connected by a system bus. Among them, the server's processor is used to provide computing and control capabilities to support the operation of the entire server. The memory is used to store data, instruction codes, etc., and the network interface is used for network communication with the user terminal. At least one computer executable instruction is stored on the memory, and the computer executable instructions are executable by the processor to implement a method for generating a server-oriented portfolio product provided in the embodiments of the present application. The memory may include a non-volatile storage medium such as a magnetic disk, an optical disk, a read-only memory (ROM), or a random storage memory (Random-Access-Memory, RAM). For example, in one embodiment, the memory includes a non-volatile storage medium and an internal memory. The server's non-volatile storage medium stores operating system, database, and computer executable instructions. The database stores data related to the method for generating a portfolio product provided by the above various embodiments, such as product information in which each fixed investment product can be stored. The computer executable instructions are executable by a processor for implementing a method of generating a portfolio product as provided by the various embodiments above. The internal memory in the server provides a cached operating environment for operating systems, databases, and computer executable instructions in a non-volatile storage medium. The network interface may be an Ethernet card or a wireless network card or the like for communicating with an external server or user terminal, for example, the product information of the generated portfolio product may be transmitted to the user terminal. The server can be implemented with a stand-alone server or a server cluster consisting of multiple servers. It will be understood by those skilled in the art that the structure shown in FIG. 8 is only a block diagram of a part of the structure related to the solution of the present application, and does not constitute a limitation on the server to which the solution of the present application is applied. The specific server may include a ratio. More or fewer components are shown in the figures, or some components are combined, or have different component arrangements.

In an embodiment, when the processor executes the program, the following steps are implemented: receiving a request for generating a portfolio product sent by the user terminal, where the request includes personal information of the corresponding user and expected resource change information; and changing according to the personal information and the expected resource. The information calculates the user's user risk value; calculates the matching degree between each fixed investment product and the user according to the product risk value and the user risk value of each fixed investment product; and extracts the product of the first quantity of the fixed investment product with the highest matching degree Information; calculating a combination ratio of each extracted fixed investment product according to the matching degree; generating a portfolio product according to the product information and the combination ratio, and transmitting the product information of the portfolio product to the user terminal.

In an embodiment, when the processor executes the program, before calculating the matching degree between each fixed investment product and the user according to the product risk value and the user risk value of each fixed investment product, the following steps are further implemented: obtaining The quantified value of the reference factor of each fixed investment product; the product risk value corresponding to the fixed investment product is calculated based on the quantified value of the reference factor.

In one embodiment, the reference factor includes a plurality of; the processor performs a program to calculate a product risk value corresponding to the fixed investment product according to the quantized value of the reference factor, including: calculating each of the fixed investment products according to the user risk value The weight of the reference factor; the product risk value corresponding to the fixed investment product is calculated based on the quantified value and the weight of each reference factor.

In one embodiment, calculating, by the processor, the user risk value of the user according to the personal information and the expected resource change information, including: calculating reference resource change information that matches the user according to the personal information; The change information and the expected resource change information calculate the user's user risk value.

In one embodiment, the personal information includes a user identifier; the personal information implemented by the processor when the program is executed includes a user identifier; and the combined ratio of each extracted fixed investment product is calculated according to the matching degree, including: the first quantity is The fixed investment product is divided into the second quantity of product groups, and the proportion of the fixed investment products in each product group is calculated according to the matching degree.

The processor generates the portfolio product according to the product identification and the combination ratio when executing the program, including: generating the portfolio product according to the product information and the combination ratio of the fixed investment products in each product group.

After the processor executes the program, after the product information of the portfolio product is implemented and sent to the user terminal, the method further includes the following steps: receiving a selection instruction for the portfolio product sent by the user terminal; setting the selected portfolio product The product identifier establishes an association relationship between the set product identifier and the user identifier.

In an embodiment, after the processor executes the program, after implementing the association between the set product identifier and the user identifier, the method further includes the following steps: receiving a resource simulation processing instruction for the selected portfolio product, The resource simulation processing instruction carries the initial value of the simulated resource and the effective time of the simulation; obtains the real-time change rate of the resources of each fixed investment product in the selected portfolio product; according to the combination ratio of each fixed investment product, the real-time change rate of the resource The initial value of the resource and the effective time are calculated, and the simulated resource change value of the selected portfolio product is calculated; the simulated resource change value is sent to the user terminal.

One of ordinary skill in the art can understand that all or part of the process of implementing the above embodiments can be completed by a computer program to instruct related hardware, and the program can be stored in a non-volatile computer readable storage medium. Wherein, the program, when executed, may include the flow of an embodiment of the methods as described above. The storage medium may be a magnetic disk, an optical disk, a read-only memory (ROM), or the like.

The technical features of the above-described embodiments may be arbitrarily combined. For the sake of brevity of description, all possible combinations of the technical features in the above embodiments are not described. However, as long as there is no contradiction between the combinations of these technical features, All should be considered as the scope of this manual.

The above-mentioned embodiments are merely illustrative of several embodiments of the present application, and the description thereof is more specific and detailed, but is not to be construed as limiting the scope of the invention. It should be noted that a number of variations and modifications may be made by those skilled in the art without departing from the spirit and scope of the present application. Therefore, the scope of the invention should be determined by the appended claims.

Claims

A method for generating a portfolio product, the method comprising:

Receiving a request for generating a portfolio product sent by the user terminal, where the generation request includes personal information and expected resource change information of the corresponding user; and calculating a user risk value of the user according to the personal information and the expected resource change information Calculating the matching degree between each fixed investment product and the user according to the product risk value of each fixed investment product and the user risk value; and extracting the product information of the first quantity of fixed investment products with the highest matching degree; Calculating a combination ratio of each extracted fixed investment product; generating a portfolio product according to the product information and the combination ratio, and transmitting the product information of the portfolio product to the user terminal.
The method according to claim 1, wherein before the calculating the matching degree between each fixed investment product and the user according to the product risk value of each fixed investment product and the user risk value, : obtaining a quantized value of a reference factor of each fixed investment product; calculating a product risk value corresponding to the fixed investment product according to the quantized value of the reference factor.
The method according to claim 2, wherein the reference factor comprises a plurality of; the calculating a product risk value corresponding to the fixed investment product according to the quantized value of the reference factor, comprising: according to the user risk value Calculate the weight of each reference factor of the fixed investment product; calculate the product risk value corresponding to the fixed investment product according to the quantified value and weight of each reference factor.
The method according to claim 1, wherein the calculating the user risk value of the user according to the personal information and the expected resource change information comprises: calculating, according to the personal information, the user Matching reference resource change information; calculating a user risk value of the user according to the reference resource change information and the expected resource change information.
The method according to claim 1, wherein the personal information includes a user identifier; and calculating the combined ratio of each extracted fixed investment product according to the matching degree comprises: the first quantity The fixed investment product is divided into a second quantity of product groups, and a combination ratio of fixed investment products in each product group is calculated according to the matching degree; and the investment portfolio product is generated according to the product identification and the combined ratio, including: Generating a portfolio product according to the product information and the combination ratio of the fixed investment products in each product group; after the product information of the portfolio product is sent to the user terminal, the method further includes: receiving the user terminal The selected instruction for the portfolio product is sent; the product identifier is set for the selected portfolio product, and the relationship between the set product identifier and the user identifier is established.
The method according to claim 5, after the establishing the association relationship between the set product identifier and the user identifier, further comprising: receiving a resource simulation processing instruction for the selected portfolio product, The resource simulation processing instruction carries the initial value of the simulated resource and the effective time of the simulation; and obtains the real-time change rate of the resource of each fixed investment product in the selected portfolio product; according to the combination ratio of each fixed investment product, the resource is real-time The change rate, the initial value of the resource, and the effective time, calculate a simulated resource change value of the selected portfolio product; and send the simulated resource change value to the user terminal.
A device for generating a portfolio product, characterized in that the device comprises:

a generating request obtaining module, configured to receive a request for generating a portfolio product sent by the user terminal, where the generating request includes personal information and expected resource change information of the corresponding user; and a risk value calculating module, configured to use the personal information and the Calculating the user risk value of the user by using the expected resource change information; the matching degree calculation module is configured to calculate each fixed investment product and the user according to the product risk value of each fixed investment product and the user risk value Matching degree; a portfolio product generating module, configured to extract product information of a first quantity of fixed investment products with the highest matching degree; calculate a combination ratio of each extracted fixed investment product according to the matching degree; according to the product information and The combined ratio generates a portfolio product, and the product information of the portfolio product is sent to the user terminal.
The apparatus according to claim 7, wherein the risk value calculation module is further configured to obtain a quantized value of a reference factor of each fixed investment product; and calculate a corresponding fixed investment product according to the quantized value of the reference factor Product risk value.
A computer readable storage medium having computer instructions stored thereon, wherein when the instructions are executed by the processor, the following steps are performed: receiving a request for generating a portfolio product sent by a user terminal, where the generating request includes a corresponding user Personal information and expected resource change information; calculating a user risk value of the user according to the personal information and the expected resource change information; calculating each product risk value of each fixed investment product and the user risk value Matching degree of the fixed investment product with the user; extracting product information of the first quantity of fixed investment products with the highest matching degree; calculating a combination ratio of each extracted fixed investment product according to the matching degree; according to the product information Generating the portfolio product with the combined ratio, and transmitting the product information of the portfolio product to the user terminal.
The storage medium according to claim 9, wherein before the matching of each fixed investment product with the user is calculated based on the product risk value of each fixed investment product and the user risk value, The method includes: obtaining a quantized value of a reference factor of each fixed investment product; and calculating a product risk value corresponding to the fixed investment product according to the quantized value of the reference factor.
The storage medium according to claim 10, wherein the reference factor comprises a plurality of; the calculating a product risk value corresponding to the fixed investment product according to the quantized value of the reference factor, comprising: according to the user risk The value calculates the weight of each reference factor of the fixed investment product; the product risk value corresponding to the fixed investment product is calculated according to the quantified value and the weight of each reference factor.
The storage medium according to claim 9, wherein the calculating the user risk value of the user according to the personal information and the expected resource change information comprises: calculating, according to the personal information, User-matched reference resource change information; calculating a user risk value of the user according to the reference resource change information and the expected resource change information.
The storage medium according to claim 9, wherein the personal information includes a user identifier; and calculating, according to the matching degree, a combination ratio of each extracted fixed investment product, comprising: the first quantity The fixed investment product is divided into a second quantity of product groups, and a combination ratio of fixed investment products in each product group is calculated according to the matching degree; and the investment portfolio product is generated according to the product identification and the combined ratio, including Generating a portfolio product according to the product information and the combination ratio of the fixed investment products in each product group; after the product information of the portfolio product is sent to the user terminal, the method further includes: receiving the user The instruction for selecting the portfolio product sent by the terminal; setting the product identifier for the selected portfolio product, and establishing an association relationship between the set product identifier and the user identifier.
The storage medium according to claim 13, wherein after the establishing the association between the set product identifier and the user identifier, the method further comprises: receiving a resource simulation processing instruction for the selected portfolio product The resource simulation processing instruction carries the initial value of the simulated resource and the effective time of the simulation; and obtains the real-time change rate of the resource of each fixed investment product in the selected portfolio product; according to the combination ratio and resources of each fixed investment product The real-time change rate, the initial value of the resource, and the effective time, calculate a simulated resource change value of the selected portfolio product; and send the simulated resource change value to the user terminal.
A computer device comprising a memory, a processor, and a computer program stored on the memory and operable on the processor, wherein the processor executes the program to implement the step of: receiving a portfolio sent by the user terminal a request for generating a product, where the generating request includes personal information of the corresponding user and expected resource change information; calculating a user risk value of the user according to the personal information and the expected resource change information; according to each fixed investment product a product risk value and the user risk value, calculating a matching degree between each fixed investment product and the user; extracting product information of the first quantity of fixed investment products with the highest matching degree; calculating each extraction according to the matching degree a combination ratio of the fixed investment products; generating a portfolio product according to the product information and the combined ratio, and transmitting the product information of the portfolio product to the user terminal.
The computer device according to claim 15, wherein before the matching of each fixed investment product with the user is calculated based on the product risk value of each fixed investment product and the user risk value, The method includes: obtaining a quantized value of a reference factor of each fixed investment product; and calculating a product risk value corresponding to the fixed investment product according to the quantized value of the reference factor.
The computer device according to claim 16, wherein the reference factor comprises a plurality of; the calculating a product risk value corresponding to the fixed investment product according to the quantized value of the reference factor, comprising: according to the user risk The value calculates the weight of each reference factor of the fixed investment product; the product risk value corresponding to the fixed investment product is calculated according to the quantified value and the weight of each reference factor.
The computer device according to claim 15, wherein the calculating the user risk value of the user according to the personal information and the expected resource change information comprises: calculating, according to the personal information, User-matched reference resource change information; calculating a user risk value of the user according to the reference resource change information and the expected resource change information.
The computer device according to claim 15, wherein the personal information includes a user identifier; and calculating, according to the matching degree, a combination ratio of each extracted fixed investment product, comprising: the first quantity The fixed investment product is divided into a second quantity of product groups, and a combination ratio of fixed investment products in each product group is calculated according to the matching degree; and the investment portfolio product is generated according to the product identification and the combined ratio, including Generating a portfolio product according to the product information and the combination ratio of the fixed investment products in each product group; after the product information of the portfolio product is sent to the user terminal, the method further includes: receiving the user The instruction for selecting the portfolio product sent by the terminal; setting the product identifier for the selected portfolio product, and establishing an association relationship between the set product identifier and the user identifier.
The computer device according to claim 19, after the establishing the association relationship between the set product identifier and the user identifier, further comprising: receiving a resource simulation processing instruction for the selected portfolio product The resource simulation processing instruction carries the initial value of the simulated resource and the effective time of the simulation; and obtains the real-time change rate of the resource of each fixed investment product in the selected portfolio product; according to the combination ratio and resources of each fixed investment product The real-time change rate, the initial value of the resource, and the effective time, calculate a simulated resource change value of the selected portfolio product; and send the simulated resource change value to the user terminal.