CN107464185B - Risk monitoring and control method, apparatus, storage medium and computer equipment - Google Patents
Risk monitoring and control method, apparatus, storage medium and computer equipment Download PDFInfo
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- CN107464185B CN107464185B CN201710601960.7A CN201710601960A CN107464185B CN 107464185 B CN107464185 B CN 107464185B CN 201710601960 A CN201710601960 A CN 201710601960A CN 107464185 B CN107464185 B CN 107464185B
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Abstract
The present invention relates to a kind of risk monitoring and control method, apparatus, storage medium and computer equipment, wherein method includes periodically obtaining the business datum of financing project in multiple platforms；Determine the risk monitoring and control item value of corresponding financing project respectively according to the business datum for project of managing money matters in multiple platforms；The risk alert status of corresponding financing project is determined with the relation of predetermined threshold value according to the risk monitoring and control item value of corresponding financing project；According to the risk alert status generation Risk Monitoring report of corresponding financing project.So that user can intuitively, comprehensively understand each platform and the risk assessment data for project of managing money matters.
Description
Technical field
The present invention relates to technical field of Internet information, more particularly to a kind of risk monitoring and control method, apparatus, storage medium
And computer equipment.
Background technology
With developing rapidly for Internet technology, internet has become a part indispensable in people's life.With
Family can obtain various resources and the service that network provides, such as internet financing by internet.
It is all more or less there are certain risk however, for numerous financing platforms and financing project, therefore,
User's premise for how avoiding risk rational investment is to need to know these risks.Based on this, at present internet financing the 3rd
There is some scattered Risk Monitoring mechanism or Risk Monitoring measure in the instrumentality or advisory organization of side, still, these
The reference resources that scattered Risk Monitoring mode can be provided are all more unilateral, so as to be difficult to provide to the user relatively comprehensively, effectively
Risk assessment data.
The content of the invention
Based on this, it is necessary to be difficult to provide more comprehensive, effective risk to the user for current Risk Monitoring mode and comment
The problem of estimating data, there is provided a kind of risk monitoring and control method, apparatus, storage medium and computer equipment.
A kind of risk monitoring and control method, including：
Periodically obtain the business datum for project of managing money matters in multiple platforms；
Determine the risk monitoring and control item value of corresponding financing project respectively according to the business datum for project of managing money matters in multiple platforms；
The wind of corresponding financing project is determined with the relation of predetermined threshold value according to the risk monitoring and control item value of corresponding financing project
Dangerous alert status；
According to the risk alert status generation Risk Monitoring report of corresponding financing project.
In one of the embodiments, the business datum for project of managing money matters in multiple platforms includes project of managing money matters in multiple platforms
Project name, current interest corresponding with project name, upper cycle interest rate.
In one of the embodiments, corresponding financing item is determined according to the business datum for project of managing money matters in multiple platforms respectively
Purpose risk monitoring and control item value, including：
According to project name, current interest corresponding with project name and the upper cycle of project of managing money matters in multiple platforms
Interest rate calculates fluctuation of interest rate ratio；
It is fluctuation of interest rate ratio to determine risk monitoring and control item value.
In one of the embodiments, risk alert status includes the first risk status and the second risk status, then basis
The risk monitoring and control item value of corresponding financing project determines the risk alert status of corresponding financing project, bag with the relation of predetermined threshold value
Include：
If fluctuation of interest rate ratio reaches preset first threshold value, the interest rate risk alert status for corresponding to financing project is first
Risk status；
If fluctuation of interest rate ratio reaches default second threshold, the interest rate risk alert status for corresponding to financing project is second
Risk status.
In one of the embodiments, the business datum for project of managing money matters in multiple platforms further includes corresponding with project name
Project bid release date and project full scale time.
In one of the embodiments, corresponding financing item is determined according to the business datum for project of managing money matters in multiple platforms respectively
Purpose risk monitoring and control item value, including：
According to project name, project bid release date corresponding with project name and the project of project of managing money matters in multiple platforms
The full scale time calculates project full scale duration；
It is project full scale duration to determine risk monitoring and control item value.
In one of the embodiments, risk alert status includes the first risk status and the second risk status, then basis
The risk monitoring and control item value of corresponding financing project determines the risk alert status of corresponding financing project, bag with the relation of predetermined threshold value
Include：
If project full scale duration reaches default 3rd threshold value, the full scale progress alert status for corresponding to financing project is first
Risk status；
If project full scale duration reaches default 4th threshold value, the full scale progress alert status for corresponding to financing project is second
Risk status.
In one of the embodiments, further include：
Obtain the transaction data for project of managing money matters in multiple platforms；
Then according to the risk alert status generation Risk Monitoring report of corresponding financing project, including：
According to the risk alert status of corresponding financing project and transaction data generation Risk Monitoring report.
In one of the embodiments, further include：
The notice information of multiple platform issues is monitored, and records the issuing time and content of notice information；
Keyword is determined according to the content of notice information；
By keyword search and obtain with the relevant public opinion information of keyword, and record public opinion information issuing time and
Content.
A kind of risk monitoring and control device, including：
Data monitoring module, for periodically obtaining the business datum for project of managing money matters in multiple platforms；
Risk monitoring and control item value determining module, for according in multiple platforms manage money matters project business datum respectively determine pair
The risk monitoring and control item value for the project that should manage money matters；
Risk alert status determining module, for according to the risk monitoring and control item value and predetermined threshold value for corresponding to financing project
Relation determines the risk alert status of corresponding financing project；
Risk Monitoring report generation module, for generating Risk Monitoring report according to the risk alert status of corresponding financing project
Accuse.
A kind of computer-readable recording medium, is stored thereon with computer program, which is executed by processor
The step of Shi Shixian methods as described above.
A kind of computer equipment, including memory, processor and storage can be run on a memory and on a processor
Computer program, the step of when processor executive program realizes method as described above.
Above-mentioned risk monitoring and control method, apparatus, storage medium and computer equipment, by periodically obtaining in multiple platforms
The business datum of financing project, so that it is determined that the risk monitoring and control item value of corresponding financing project, then according to corresponding financing project
Risk monitoring and control item value the risk alert status of corresponding financing project is determined with the relation of predetermined threshold value, and generate Risk Monitoring
Report, so that user can intuitively, comprehensively understand each platform and the risk assessment data for project of managing money matters.
Brief description of the drawings
Fig. 1 is the flow chart of one embodiment risk monitoring method；
Fig. 2 is the schematic diagram of one embodiment risk monitoring report；
Fig. 3 is the flow chart of one embodiment risk monitoring method；
Fig. 4 is the structure diagram of one embodiment risk monitoring device.
Embodiment
To make the purpose, technical scheme and advantage of the embodiment of the present invention clearer, below in conjunction with the embodiment of the present invention
In attached drawing, the technical solution in the embodiment of the present invention is clearly and completely described, it is clear that described embodiment is
Part of the embodiment of the present invention, instead of all the embodiments.
An embodiment of the present invention provides a kind of risk monitoring and control method, it is applied to risk monitoring and control system, as shown in Figure 1, can
To include the following steps：
Step S101, periodically obtains the business datum for project of managing money matters in multiple platforms.
In the present embodiment, risk monitoring and control system monitors the business datum for project of managing money matters in multiple platforms in real time,
So as to periodically obtain the business datum for project of managing money matters in multiple platforms.Wherein, business datum can include the base of financing project
The interest rate information and project progress message of this information, corresponding financing project.Cycle can be then using day as the cycle, or with solid
Section of fixing time is the cycle.
Step S102, the risk for determining corresponding financing project respectively according to the business datum for project of managing money matters in multiple platforms are supervised
Control item value.
Wherein, risk monitoring and control item value can be fluctuation of interest rate ratio, can also be project full scale duration.In the present embodiment
In, risk monitoring and control system can determine interest rate according to the essential information of financing project and the interest rate information of corresponding financing project
Variation ratio, and identified project full scale duration according to corresponding project progress message.
Step S103, corresponding financing is determined according to the risk monitoring and control item value of corresponding financing project with the relation of predetermined threshold value
The risk alert status of project.
In the present embodiment, risk alert status can include various states, such as the first risk status and the second risk shape
State, predetermined threshold value can also include a variety of threshold values, and the difference of threshold value is corresponded to according to the risk monitoring and control item value of corresponding financing project,
So that risk monitoring and control system sends different risk alert status.
Step S104, according to the risk alert status generation Risk Monitoring report of corresponding financing project.
Risk monitoring and control system generates Risk Monitoring report according to the risk alert status that financing project is corresponded in multiple platforms
Accuse, wherein, Risk Monitoring report includes the essential information of corresponding each financing project, corresponding financing in multiple platforms
The interest rate information and project progress message of project and corresponding risk alert status, so that user can intuitively, comprehensively
Each platform of understanding and financing project risk assessment data.
In one embodiment, the essential information for project of managing money matters can include project name, the corresponding item of financing project
The information such as mesh numbering, item types, involved item amount and the corresponding platform of project.The interest rate information of financing project can
The project arrived with the project current interest corresponding with project name and a upper cycle monitoring that are monitored including this is last
Interest rate.Therefore, what risk monitoring and control system can be last according to the project that project current interest and a upper cycle monitoring arrive
Interest rate calculates the corresponding fluctuation of interest rate ratio of project, and the fluctuation of interest rate ratio that the risk monitoring and control item value identified project is project
Example.
For example, it is assumed that the current interest that risk monitoring and control system monitoring numbers the financing project for being 1 into platform A is a, and it is right
The interest rate for the project last time that a cycle monitoring arrives is a in the financing project1, then the corresponding fluctuation of interest rate ratio of the financing project
av=(a-a1)/a1* 100%.
In one embodiment, risk alert status can include the first risk status and the second risk status, it is used for
Distinguish different degrees of risk.It is assumed that the first risk status corresponds to relatively low risk, the second risk status corresponds to higher wind
Danger.In the present embodiment, predetermined threshold value can also include a variety of threshold values, can pre-set the first threshold for fluctuation of interest rate ratio
Value and second threshold, and different threshold values corresponds to different risk alert status.For example, it is based on fluctuation of interest rate ratio avIf
Pre-set first threshold is ± 10%, and pre-set second threshold is ± 30%.For example, if what is calculated is above-mentioned
The corresponding fluctuation of interest rate ratio a of financing project that numbering is 1 in platform AvReach preset first threshold value, then correspond to financing project
Interest rate risk alert status is the first risk status, therefore, amber light warning can be sent by risk monitoring and control system.If calculate
Above-mentioned platform A in numbering be 1 the corresponding fluctuation of interest rate ratio a of financing projectvReach default second threshold, then corresponding financing
The interest rate risk alert status of project is the second risk status, therefore, can send red light warning by risk monitoring and control system, from
And realize the purpose that overall monitor is carried out to the interest rate information for project of managing money matters.
In one embodiment, the corresponding project progress message of project of managing money matters can specifically include corresponding with project name
Project bid release date and project full scale time.Therefore, risk monitoring and control system can expire according to project bid release date and project
Respective items purpose full scale duration is calculated between timestamp, and the full scale duration that the risk monitoring and control item value identified project is project.Example
Such as, it is assumed that the bid release date that risk monitoring and control system monitoring numbers the financing project for being 1 into platform A is m1, while monitor this
The full scale time of project is m2, then the full scale duration m=m of the project2-m1.Wherein, the unit of m is hour, m1And m2It is at least accurate
To specific date and division of day and night.
In one embodiment, the 3rd threshold value and the 4th threshold value can also be pre-set for full scale duration, and it is different
Threshold value corresponds to different risk alert status.For example, full scale duration m is based on, if pre-set 3rd threshold value and the 4th threshold
When value is 24 small respectively and when 48 is small.For example, if m is small more than 24, the full scale progress warning of financing project is corresponded to
State is the first risk status, therefore, amber light warning can be sent by risk monitoring and control system.It is right if m is small more than 48
The full scale progress alert status for the project that should manage money matters is the second risk status, therefore, can send red light by risk monitoring and control system
Warning.The purpose of overall monitor is carried out so as to fulfill the project process to project of managing money matters.
In one embodiment, the Risk Monitoring report such as Fig. 2 generated according to the risk alert status of corresponding financing project
It is shown, the essential information of project, the interest rate information of corresponding project, progress msg etc. can be included in Risk Monitoring report.
Specifically, platform names, the numbering of financing project corresponding with platform names, entry name can be included in the essential information of project
The information such as title, item types, item amount, project issue of bidding documents time limit, can also include the interest rate information of corresponding project, such as monitor
Project current interest, a upper cycle monitoring interest rate, fluctuation of interest rate ratio and the risk alert status of the project last time that arrive
Etc. information, the progress msg of corresponding project can also be included, such as the respective items purpose bid release date of monitoring, full scale time, throw
The information such as money progress, full scale duration and risk alert status.So that user can comprehensively understand each platform and financing
The risk assessment data of project, and the degree of risk of each financing project can be got information about by risk alert status, with reality
Now provide effective warning information to the user.
In one embodiment, risk monitoring and control system can also obtain the transaction data for project of managing money matters in multiple platforms, its
Middle transaction data includes each transaction flowing water of respective items purpose, the classification of such as transaction categories, that is, investment deal or transaction of borrowing money,
The information such as transaction amount, time limit, earning rate.So as to according to the transaction data of monitoring per diem or moon statistics respective items purpose transaction into
Friendship amount, the due-in amount of money, comprehensive income rate, loaning bill number and investment number, the quantity of issue of bidding documents project and the amount of money, averagely borrow money the phase
The information such as limit and fund disengaging inbound traffics, and corresponding diagrammatic representation is formed to user, so that user can be more straight
The trading situation of each project of understanding of sight.
In one embodiment, as shown in figure 3, risk monitoring and control method can also include the following steps：
Step S301, monitors the notice information of multiple platform issues, and records the issuing time and content of notice information.
In the present embodiment, risk monitoring and control system can also monitor the notice information of multiple platform issues, and to monitoring
Notice information carry out filtration treatment, such as the returned money notice information and issue of bidding documents notice information of routine work are filtered, from
And the notice information after filtering is extracted, and the issuing time and content of the notice information after record filtering, and bulletin can be generated
Monitor daily paper.So as to facilitate user to understand the more information on platform.
Step S302, keyword is determined according to the content of notice information.
Step S303, by keyword search and acquisition and the relevant public opinion information of keyword, and records public opinion information
Issuing time and content.
In the present embodiment, risk monitoring and control system determines keyword according to the particular content of the notice information after filtering, from
And according to keyword in the relevant public opinion information of other site searches, and the issuing time and content of public opinion information are recorded, generate
Public opinion monitors daily paper.So as to facilitate user to understand more relevant public opinion information.
The embodiment of the present invention additionally provides a kind of risk monitoring and control device, as shown in figure 4, including data monitoring module 401, wind
Danger monitoring item value determining module 402, risk alert status determining module 403 and Risk Monitoring report generation module 404, its
In：
Data monitoring module 401, for periodically obtaining the business datum for project of managing money matters in multiple platforms；
Risk monitoring and control item value determining module 402, it is true for the business datum difference according to project of managing money matters in multiple platforms
The risk monitoring and control item value of fixed corresponding financing project；
Risk alert status determining module 403, for the risk monitoring and control item value according to corresponding financing project and default threshold
The relation of value determines the risk alert status of corresponding financing project；
Risk Monitoring report generation module 404, for the risk alert status generation risk prison according to corresponding financing project
Observe and predict announcement.
In one embodiment, the business datum for project of managing money matters in multiple platforms includes the item of financing project in multiple platforms
Mesh title, current interest corresponding with the project name, upper cycle interest rate.Then risk monitoring and control item value determining module 402
It is specifically used for, according to the project name of project of managing money matters in multiple platforms, current interest corresponding with project name and one week upper
Phase interest rate calculates fluctuation of interest rate ratio；It is fluctuation of interest rate ratio to determine risk monitoring and control item value.
In one embodiment, risk alert status includes the first risk status and the second risk status, then risk warns
State determining module 403 is specifically used for, if fluctuation of interest rate ratio reaches preset first threshold value, corresponds to the interest rate wind of financing project
Dangerous alert status is the first risk status；If fluctuation of interest rate ratio reaches default second threshold, the interest rate of financing project is corresponded to
Risk alert status is the second risk status.
In one embodiment, the business datum for project of managing money matters in multiple platforms further includes project corresponding with project name
Bid release date and project full scale time, then risk monitoring and control item value determining module 402 be specifically used for, managed according in multiple platforms
When the project name of wealth project, project bid release date corresponding with project name and project full scale time calculate project full scale
It is long；It is project full scale duration to determine risk monitoring and control item value.
In one embodiment, risk alert status includes the first risk status and the second risk status, then risk warns
State determining module 403 is specifically used for, if project full scale duration reaches default 3rd threshold value, correspond to the full scale of financing project into
Degree alert status is the first risk status；If project full scale duration reaches default 4th threshold value, the full scale of financing project is corresponded to
Progress alert status is the second risk status.
The embodiment of the present invention additionally provides a kind of computer-readable recording medium, is stored thereon with computer program, the meter
Calculation machine program realizes following steps when being executed by processor：Periodically obtain the business datum for project of managing money matters in multiple platforms；Root
The risk monitoring and control item value of corresponding financing project is determined respectively according to the business datum for project of managing money matters in multiple platforms；Managed according to corresponding
The risk monitoring and control item value of wealth project determines the risk alert status of corresponding financing project with the relation of predetermined threshold value；According to correspondence
The risk alert status generation Risk Monitoring report of financing project.
In one embodiment, the business datum for project of managing money matters in multiple platforms includes the item of financing project in multiple platforms
Mesh title, current interest corresponding with project name, upper cycle interest rate.
In one embodiment, corresponding financing project is determined according to the business datum for project of managing money matters in multiple platforms respectively
Risk monitoring and control item value, including：According to project name, the current interest corresponding with project name of project of managing money matters in multiple platforms
And upper cycle interest rate calculates fluctuation of interest rate ratio；It is fluctuation of interest rate ratio to determine risk monitoring and control item value.
In one embodiment, risk alert status includes the first risk status and the second risk status, then according to correspondence
The risk monitoring and control item value of financing project determines the risk alert status of corresponding financing project with the relation of predetermined threshold value, including：
If fluctuation of interest rate ratio reaches preset first threshold value, the interest rate risk alert status for corresponding to financing project is the first risk shape
State；If fluctuation of interest rate ratio reaches default second threshold, the interest rate risk alert status for corresponding to financing project is the second risk
State.
In one embodiment, the business datum for project of managing money matters in multiple platforms further includes project corresponding with project name
Bid release date and project full scale time.
In one embodiment, corresponding financing project is determined according to the business datum for project of managing money matters in multiple platforms respectively
Risk monitoring and control item value, including：According to the project name for project of managing money matters in multiple platforms, project issue of bidding documents corresponding with project name
Time and project full scale time calculate project full scale duration；It is project full scale duration to determine risk monitoring and control item value.
In one embodiment, risk alert status includes the first risk status and the second risk status, then according to correspondence
The risk monitoring and control item value of financing project determines the risk alert status of corresponding financing project with the relation of predetermined threshold value, including：
If project full scale duration reaches default 3rd threshold value, the full scale progress alert status for corresponding to financing project is the first risk shape
State；If project full scale duration reaches default 4th threshold value, the full scale progress alert status for corresponding to financing project is the second risk
State.
In one embodiment, further include：Obtain the transaction data for project of managing money matters in multiple platforms；Then according to the correspondence
The risk alert status generation Risk Monitoring report of financing project, including：According to the risk alert status of corresponding financing project with
And transaction data generation Risk Monitoring report.
In one embodiment, further include：The notice information of multiple platform issues is monitored, and records the issue of notice information
Time and content；Keyword is determined according to the content of notice information；By keyword search and obtain and the relevant carriage of keyword
By information, and record the issuing time and content of public opinion information.
The embodiment of the present invention additionally provides a kind of computer equipment, including memory, processor and is stored in memory
Computer program that is upper and can running on a processor, wherein, processor realizes following steps when performing described program：Periodically
Obtain the business datum for project of managing money matters in multiple platforms；Determine to correspond to respectively according to the business datum for project of managing money matters in multiple platforms
The risk monitoring and control item value of financing project；Determined according to the relation of the risk monitoring and control item value of corresponding financing project and predetermined threshold value
The risk alert status of corresponding financing project；According to the risk alert status generation Risk Monitoring report of corresponding financing project.
In one embodiment, the business datum for project of managing money matters in multiple platforms includes the item of financing project in multiple platforms
Mesh title, current interest corresponding with project name, upper cycle interest rate.
In one embodiment, corresponding financing project is determined according to the business datum for project of managing money matters in multiple platforms respectively
Risk monitoring and control item value, including：According to project name, the current interest corresponding with project name of project of managing money matters in multiple platforms
And upper cycle interest rate calculates fluctuation of interest rate ratio；It is fluctuation of interest rate ratio to determine risk monitoring and control item value.
In one embodiment, risk alert status includes the first risk status and the second risk status, then according to correspondence
The risk monitoring and control item value of financing project determines the risk alert status of corresponding financing project with the relation of predetermined threshold value, including：
If fluctuation of interest rate ratio reaches preset first threshold value, the interest rate risk alert status for corresponding to financing project is the first risk shape
State；If fluctuation of interest rate ratio reaches default second threshold, the interest rate risk alert status for corresponding to financing project is the second risk
State.
In one embodiment, the business datum for project of managing money matters in multiple platforms further includes project corresponding with project name
Bid release date and project full scale time.
In one embodiment, corresponding financing project is determined according to the business datum for project of managing money matters in multiple platforms respectively
Risk monitoring and control item value, including：According to the project name for project of managing money matters in multiple platforms, project issue of bidding documents corresponding with project name
Time and project full scale time calculate project full scale duration；It is project full scale duration to determine risk monitoring and control item value.
In one embodiment, risk alert status includes the first risk status and the second risk status, then according to correspondence
The risk monitoring and control item value of financing project determines the risk alert status of corresponding financing project with the relation of predetermined threshold value, including：
If project full scale duration reaches default 3rd threshold value, the full scale progress alert status for corresponding to financing project is the first risk shape
State；If project full scale duration reaches default 4th threshold value, the full scale progress alert status for corresponding to financing project is the second risk
State.
In one embodiment, further include：Obtain the transaction data for project of managing money matters in multiple platforms；Then according to the correspondence
The risk alert status generation Risk Monitoring report of financing project, including：According to the risk alert status of corresponding financing project with
And transaction data generation Risk Monitoring report.
In one embodiment, further include：The notice information of multiple platform issues is monitored, and records the issue of notice information
Time and content；Keyword is determined according to the content of notice information；By keyword search and obtain and the relevant carriage of keyword
By information, and record the issuing time and content of public opinion information.
Each technical characteristic of embodiment described above can be combined arbitrarily, to make description succinct, not to above-mentioned reality
Apply all possible combination of each technical characteristic in example to be all described, as long as however, the combination of these technical characteristics is not deposited
In contradiction, the scope that this specification is recorded all is considered to be.
Embodiment described above only expresses the several embodiments of the present invention, its description is more specific and detailed, but simultaneously
Cannot therefore it be construed as limiting the scope of the patent.It should be pointed out that come for those of ordinary skill in the art
Say, without departing from the inventive concept of the premise, various modifications and improvements can be made, these belong to the protection of the present invention
Scope.Therefore, the protection domain of patent of the present invention should be determined by the appended claims.
Claims (9)
- A kind of 1. risk monitoring and control method, it is characterised in that including：Periodically obtain the business datum for project of managing money matters in multiple platforms；Determine the risk monitoring and control item value of corresponding financing project respectively according to the business datum for project of managing money matters in the multiple platform；The wind of corresponding financing project is determined with the relation of predetermined threshold value according to the risk monitoring and control item value of the corresponding financing project Dangerous alert status；According to the risk alert status generation Risk Monitoring report of the corresponding financing project；The business datum for project of managing money matters in the multiple platform includes the project name of financing project and the item in multiple platforms The corresponding current interest of mesh title, upper cycle interest rate, then it is described according in the multiple platform manage money matters project business datum The risk monitoring and control item value of corresponding financing project is determined respectively, including：According to project name, the current interest corresponding with the project name and upper one of project of managing money matters in the multiple platform Cycle interest rate calculates fluctuation of interest rate ratio；It is fluctuation of interest rate ratio to determine the risk monitoring and control item value.
- 2. risk monitoring and control method according to claim 1, it is characterised in that the risk alert status includes the first risk State and the second risk status, then it is described according to the risk monitoring and control item value of the corresponding financing project and the relation of predetermined threshold value Determine the risk alert status of corresponding financing project, including：If the fluctuation of interest rate ratio reaches preset first threshold value, the interest rate risk alert status for corresponding to financing project is first Risk status；If the fluctuation of interest rate ratio reaches default second threshold, the interest rate risk alert status for corresponding to financing project is second Risk status.
- 3. risk monitoring and control method according to claim 1 or 2, it is characterised in that project of managing money matters in the multiple platform Business datum further includes project bid release date corresponding with the project name and project full scale time, then described in the basis The business datum for project of managing money matters in multiple platforms determines the risk monitoring and control item value of corresponding financing project respectively, including：According to the project name of project of managing money matters in the multiple platform, project bid release date corresponding with the project name and The project full scale time calculates project full scale duration；It is project full scale duration to determine the risk monitoring and control item value.
- 4. risk monitoring and control method according to claim 3, it is characterised in that the risk alert status includes the first wind Dangerous state and the second risk status, then it is described according to the risk monitoring and control item value of the corresponding financing project and the pass of predetermined threshold value System determines the risk alert status of corresponding financing project, including：If the project full scale duration reaches default 3rd threshold value, the full scale progress alert status for corresponding to financing project is first Risk status；If the project full scale duration reaches default 4th threshold value, the full scale progress alert status for corresponding to financing project is second Risk status.
- 5. risk monitoring and control method according to claim 1, it is characterised in that further include：Obtain the transaction data for project of managing money matters in multiple platforms；The then risk alert status generation Risk Monitoring report according to the corresponding financing project, including：According to the risk alert status of the corresponding financing project and transaction data generation Risk Monitoring report.
- 6. risk monitoring and control method according to claim 1, it is characterised in that further include：The notice information of the multiple platform issue is monitored, and records the issuing time and content of the notice information；Keyword is determined according to the content of the notice information；By the keyword search and acquisition and the relevant public opinion information of the keyword, and record the hair of the public opinion information Cloth time and content.
- A kind of 7. risk monitoring and control device, it is characterised in that including：Data monitoring module, for periodically obtaining the business datum for project of managing money matters in multiple platforms；Risk monitoring and control item value determining module, for according in the multiple platform manage money matters project business datum respectively determine pair The risk monitoring and control item value for the project that should manage money matters；Risk alert status determining module, for the risk monitoring and control item value according to the corresponding financing project and predetermined threshold value Relation determines the risk alert status of corresponding financing project；Risk Monitoring report generation module, for generating Risk Monitoring report according to the risk alert status of the corresponding financing project Accuse；The business datum for project of managing money matters in the multiple platform includes the project name of financing project and the item in multiple platforms The corresponding current interest of mesh title, upper cycle interest rate, then the risk monitoring and control item value determining module be specifically used for, according to institute State project name, current interest corresponding with the project name and the upper cycle interest rate meter for project of managing money matters in multiple platforms Calculate fluctuation of interest rate ratio；It is fluctuation of interest rate ratio to determine the risk monitoring and control item value.
- 8. a kind of computer-readable recording medium, is stored thereon with computer program, it is characterised in that the computer program is located Manage and realized when device performs such as the step of any one of claim 1~6 the method.
- 9. a kind of computer equipment, including memory, processor and storage can be run on a memory and on a processor Computer program, it is characterised in that the processor realizes the side as described in any one of claim 1~6 when performing described program The step of method.
Priority Applications (1)
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| CN108230140A (en) * | 2017-12-29 | 2018-06-29 | 阿里巴巴集团控股有限公司 | The method and apparatus of pushed information, the method and apparatus for determining input default value |
| CN108520318A (en) * | 2018-04-02 | 2018-09-11 | 深圳前海桔子信息技术有限公司 | A kind of method for safety monitoring, device, server and storage medium |
| CN108681969A (en) * | 2018-04-24 | 2018-10-19 | 深圳市众投邦股份有限公司 | Terminal, the determination method of investment project and its device and readable storage medium storing program for executing |
| CN108564349A (en) * | 2018-04-24 | 2018-09-21 | 深圳市众投邦股份有限公司 | Terminal, the method for pushing of investing tip and its device and readable storage medium storing program for executing |
| CN109492885B (en) * | 2018-10-25 | 2024-02-09 | 平安医疗健康管理股份有限公司 | Medical insurance risk project analysis method and device, terminal and readable medium |
| CN110458396A (en) * | 2019-07-05 | 2019-11-15 | 阿里巴巴集团控股有限公司 | The monitoring method and device of risk data |
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| CN101976419A (en) * | 2010-10-19 | 2011-02-16 | 中国工商银行股份有限公司 | Processing method and system for risk monitoring and controlling of transaction data |
| CN105335815A (en) * | 2015-10-09 | 2016-02-17 | 上海瀚银信息技术有限公司 | Risk control system and method |
| CN106504098A (en) * | 2016-12-07 | 2017-03-15 | 柳文龙 | A kind of capitalized method of the financial investment system based on big data technology |
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| US20060218078A1 (en) * | 2005-03-28 | 2006-09-28 | Jackson Freeman A | Method and apparatus for renting, customizing, and delivering risk and/or volatility products |
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| CN105894376A (en) * | 2016-03-07 | 2016-08-24 | 浙江爱贷金融服务外包股份有限公司 | Financial account capital management system and method |
| CN106204269A (en) * | 2016-07-18 | 2016-12-07 | 四川君逸易视科技有限公司 | Financing risk management and control software approach |
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| CN101976419A (en) * | 2010-10-19 | 2011-02-16 | 中国工商银行股份有限公司 | Processing method and system for risk monitoring and controlling of transaction data |
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| CN106504098A (en) * | 2016-12-07 | 2017-03-15 | 柳文龙 | A kind of capitalized method of the financial investment system based on big data technology |
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