CN113313460A

CN113313460A - Fine management method and device for bank products

Info

Publication number: CN113313460A
Application number: CN202110503920.5A
Authority: CN
Inventors: 张琳; 董文杰
Original assignee: China Construction Bank Corp
Current assignee: China Construction Bank Corp
Priority date: 2021-05-10
Filing date: 2021-05-10
Publication date: 2021-08-27

Abstract

The invention discloses a fine management method and a fine management device for bank products, which relate to the technical field of artificial intelligence, wherein the method comprises the following steps: inputting information of products available for sale in the bank and information of risks to be audited of the products available for sale in the bank; and auditing the risk information to be audited, if the audit is passed, judging whether the bank sellable product has the belonged clustering product according to the bank sellable product information, if so, adding the bank sellable product information to the belonged clustering product, and if not, performing clustering analysis on the bank sellable product information to determine the belonged clustering product of the bank sellable product. According to the invention, the marketable products are clustered, and based on the service management visual angle, the product fine management capability and the digital management level are effectively improved, and the full life cycle closed-loop management of the products is realized.

Description

Fine management method and device for bank products

Technical Field

The invention relates to the technical field of artificial intelligence, in particular to a method and a device for finely managing bank products.

Background

This section is intended to provide a background or context to the embodiments of the invention that are recited in the claims. The description herein is not admitted to be prior art by inclusion in this section.

The existing bank product management is a product innovation mechanism based on enterprise-level product factories, and mainly aims to design and realize links of products in the product innovation process. Through standardization, componentization and parameterization of the product, the dependence degree on IT development is reduced in the product implementation process, and product innovation is realized through a flexible configuration mode. The customized requirements of customers are quickly met, and the original complex and lengthy new product development process is flexible and quick. However, when product innovation is promoted, the current situation is that the management of all-row products is restricted by a system, machine control cannot be implemented, the management means is weak, a business department can cut in multiple points according to the flow needs, the flow is complex and tedious, and a risk management department and a comprehensive management department are arranged at the rear and are triggered passively, so that the efficiency of maintenance of products by business personnel is low. Product configuration trends are based on IT perspectives, and there is a lack of hierarchical classification of products from a management perspective.

Disclosure of Invention

The embodiment of the invention provides a fine management method for bank products, which comprises the following steps:

inputting information of products available for sale in the bank and information of risks to be audited of the products available for sale in the bank;

and auditing the risk information to be audited, if the audit is passed, judging whether the bank sellable product has the belonged clustering product according to the bank sellable product information, if so, adding the bank sellable product information to the belonged clustering product, and if not, performing clustering analysis on the bank sellable product information to determine the belonged clustering product of the bank sellable product.

In one embodiment, the risk information to be audited comprises risk level information, anti-money laundering level information and information of disapproval and insurance;

and auditing the risk information to be audited, including:

and (4) auditing the risk grade information, the anti-money laundering grade information and the information of the expense account.

In one embodiment, the risk level information, the anti-money laundering level information, and the cancellation security information are audited, including:

sending the risk grade information, the anti-money laundering grade information and the cancellation and protection information to corresponding auditing systems, and receiving auditing opinions returned by the corresponding auditing systems;

and aggregating the corresponding auditing opinions.

In one embodiment, further comprising:

if the corresponding audit opinions show that the audit is not passed, modifying corresponding risk information to be audited;

and sending the modified risk information to be audited to a corresponding auditing system for secondary auditing.

In one embodiment, further comprising:

and if the corresponding audit opinions show that the audit is passed, auditing the product structure and the innovation degree.

In one embodiment, further comprising:

if the cluster product to which the bank belongs exists, adding the risk information to be audited which passes the audit to the cluster product to which the bank can sell the product information corresponding to the bank belongs;

and if the cluster product does not exist, after the cluster product of the bank saleable product is determined, adding the bank saleable product information and the audit-passed risk information to be audited to the cluster product.

In one embodiment, the step of determining whether the clustered product exists in the bank saleable product according to the bank saleable product information includes:

performing feature extraction on the information of the bank saleable products to obtain feature information;

and matching the characteristic information with the characteristic information of the clustered products, if the matching is successful, judging that the bank sellable product belongs to the clustered products, and if the matching is unsuccessful, judging that the bank sellable product does not belong to the clustered products.

In one embodiment, further comprising:

and acquiring and displaying the attribute information of the clustered products.

In one embodiment, further comprising:

and displaying the bank saleable products and the cluster products belonging to the bank saleable products by adopting a tree-shaped product pedigree diagram.

The embodiment of the invention also provides a fine management device for bank products, which comprises:

the information input module is used for inputting the information of the bank sellable products and the information of the risk to be audited of the bank sellable products;

the product auditing module is used for auditing the risk information to be audited;

and the clustering module judges whether the bank sellable product has the cluster product according to the bank sellable product information if the bank sellable product passes the verification, adds the bank sellable product information to the cluster product if the bank sellable product exists, and performs clustering analysis on the bank sellable product information if the bank sellable product does not exist to determine the cluster product of the bank sellable product.

the product auditing module is specifically configured to:

In one embodiment, the product audit module is specifically configured to:

and aggregating the corresponding auditing opinions.

In one embodiment, the information entry module is further configured to:

the product auditing module is also used for:

In one embodiment, the product audit module is further configured to:

In one embodiment, the clustering module is further configured to:

In one embodiment, the clustering module is specifically configured to:

In one embodiment, further comprising:

and the display module is used for acquiring and displaying the attribute information of the clustered products.

In one embodiment, the display module is further configured to:

The embodiment of the invention also provides computer equipment which comprises a memory, a processor and a computer program which is stored on the memory and can run on the processor, wherein the processor realizes the bank product fine management method when executing the computer program.

The embodiment of the invention also provides a computer readable storage medium, wherein a computer program is stored on the computer readable storage medium, and when the computer program is executed by a processor, the steps of the bank product fine management method are realized.

In the embodiment of the invention, the information of products which can be sold by the bank and the risk information to be audited of the products which can be sold by the bank are input; and auditing the risk information to be audited, if the audit is passed, judging whether the bank sellable product has the belonged clustering product according to the bank sellable product information, if so, adding the bank sellable product information to the belonged clustering product, and if not, performing clustering analysis on the bank sellable product information to determine the belonged clustering product of the bank sellable product. According to the invention, the marketable products are clustered, and based on the service management visual angle, the product fine management capability and the digital management level are effectively improved, and the full life cycle closed-loop management of the products is realized.

Drawings

In order to more clearly illustrate the embodiments of the present invention or the technical solutions in the prior art, the drawings used in the description of the embodiments or the prior art will be briefly described below, it is obvious that the drawings in the following description are only some embodiments of the present invention, and for those skilled in the art, other drawings can be obtained according to the drawings without creative efforts. In the drawings:

FIG. 1 is a flowchart of a detailed management method of bank products according to an embodiment of the present invention;

FIG. 2 is a diagram of a fine management pedigree of a bank product according to an embodiment of the present invention;

FIG. 3 is a flowchart of a detailed management method of bank products according to an embodiment of the present invention (II);

FIG. 4 is a flow chart of a detailed management method of bank products in an embodiment of the present invention (III);

FIG. 5 is a flowchart of a detailed management method of bank products according to an embodiment of the present Invention (IV);

FIG. 6 is a flow chart of a detailed management method of bank products according to an embodiment of the present invention (V);

FIG. 7 is a block diagram of a detailed management apparatus of bank products according to an embodiment of the present invention;

FIG. 8 is a block diagram of a detailed management apparatus of bank products in an embodiment of the present invention;

fig. 9 is a schematic block diagram of a system configuration of a computer apparatus 600 according to an embodiment of the present invention.

Detailed Description

In order to make the objects, technical solutions and advantages of the embodiments of the present invention more apparent, the embodiments of the present invention are further described in detail below with reference to the accompanying drawings. The exemplary embodiments and descriptions of the present invention are provided to explain the present invention, but not to limit the present invention.

Example 1

Fig. 1 is a flowchart of a detailed management method of bank products in an embodiment of the present invention, and as shown in fig. 1, the method includes:

step 102: inputting information of products available for sale in the bank and information of risks to be audited of the products available for sale in the bank;

step 104: and auditing the risk information to be audited, if the audit is passed, judging whether the bank sellable product has the belonged clustering product according to the bank sellable product information, if so, adding the bank sellable product information to the belonged clustering product, and if not, performing clustering analysis on the bank sellable product information to determine the belonged clustering product of the bank sellable product.

In the embodiment of the invention, the clustered products are introduced, are product systems introduced facing the management dimension, are application of product catalogues in the management dimension, and meet the functions of product management and internal control risk audit of business departments.

The clustered products are management objects for enterprise-level overall clustering of saleable products according to the essential characteristics of the products which are convergent or close, and are the core and the foundation of pedigree graph project construction. The clustered products are used as important grippers for product management of business departments and are also important apertures for product analysis and evaluation. The mapping of the clustered products to the base products may be one-to-one or many-to-one, and each saleable product is uniquely attributed to a clustered product, as shown in fig. 2.

The clustered products have definite business scope and are relatively fixed according to the essential characteristics of the products which are converged or similar, and comprise service processes, transaction structures, delivery modes and the like, so the risk characteristics of all saleable products under the same category product item are converged. For example, if the clustered products are high risk, then the saleable products under the cluster are all high risk classes. Clustered products are low risk, and then saleable products under clustered products are all low risk classes.

The process of dividing a collection of physical or abstract objects into classes composed of similar objects is called clustering. The cluster generated by clustering is a collection of a set of data objects that are similar to objects in the same cluster and distinct from objects in other clusters. "the groups of things and the groups of people" have a great number of classification problems in natural science and social science. Clustering analysis, also known as cluster analysis, is a statistical analysis method for studying (sample or index) classification problems. The clustering analysis originates from taxonomy, but clustering is not equal to classification. Clustering differs from classification in that the class into which the clustering is required to be divided is unknown. The clustering analysis content is very rich, and a system clustering method, an ordered sample clustering method, a dynamic clustering method, a fuzzy clustering method, a graph theory clustering method, a clustering forecasting method and the like are adopted.

There are many kinds of clustering algorithms, such as K-Means clustering, and the algorithm steps are as follows:

(1) first some classes/groups are selected and their respective center points are randomly initialized. The center point is the same length position as each data point vector. This requires us to predict the number of classes (i.e. the number of center points) in advance.

(2) The distance of each data point to the center point is calculated, and the class to which the data point is closest to which center point is classified.

(3) The center point in each class is calculated as the new center point.

(4) The above steps are repeated until the center of each class does not change much after each iteration. It is also possible to randomly initialize the center point multiple times and then select the one that has the best run result.

Such as mean shift clustering:

mean shift clustering is a sliding window based algorithm to find dense regions of data points. This is a centroid-based algorithm that locates the center point of each group/class by updating the candidate points for the center point to the mean of the points within the sliding window. And then removing similar windows from the candidate windows to finally form a central point set and corresponding groups.

The method comprises the following specific steps:

1. and determining the radius r of the sliding window, and starting sliding by using a circular sliding window with the radius r of a randomly selected center point C. The mean shift is similar to a hill climbing algorithm, moving to a more dense region in each iteration until convergence.

2. Each time a new region is slid, the mean value within the sliding window is calculated as the center point, and the number of points within the sliding window is the density within the window. In each movement, the window will want the more dense area to move.

3. Moving the window, calculating the center point within the window and the density within the window, knows that there is no direction to accommodate more points within the window, i.e., moving until the density within the circle no longer increases.

4. And step one to step three generate a plurality of sliding windows, when the sliding windows are overlapped, the window containing the most points is reserved, and then clustering is carried out according to the sliding window where the data points are located.

Such as density-based clustering method (DBSCAN), which is also a density-based clustering algorithm, similar to mean shift clustering.

The method comprises the following specific steps:

1. first, determining radius r and minPoints, starting from an arbitrary data point which has not been visited, and taking this point as the center, whether the number of points contained in a circle with radius r is greater than or equal to minPoints, if so, then the point is marked as central point, otherwise, the point is marked as noise point.

2. Repeating the step 1, if a noise point exists in a circle with a radius of a certain central point, marking the point as an edge point, and otherwise, still indicating the noise point. Step 1 is repeated until all points have been visited.

For example, using the maximum Expectation (EM) clustering of Gaussian Mixture Model (GMM), clustering using the GMM assumes that the data points are gaussian distributed first, and corresponding to K-Means assuming that the data points are circular, the gaussian distribution (ellipse) gives more possibilities. There are two parameters to describe the shape of the cluster: mean and standard deviation. The clusters can take the form of ellipses of any shape because of the standard deviation in both the x and y directions. Thus, each gaussian distribution is assigned to a single cluster.

So clustering should first find the mean and standard deviation of the data set, an optimization algorithm called maximum Expectation (EM) will be used.

The method comprises the following specific steps:

1. the number of clusters (similar to K-Means) was chosen and the gaussian distribution parameters (mean and variance) for each cluster were initialized randomly. It is also possible to look at the data first to give a relatively accurate mean and variance.

2. Given the gaussian distribution of each cluster, the probability of each data point belonging to each cluster is calculated. The closer a point is to the center of the gaussian distribution, the more likely it belongs to the cluster.

3. Based on these probabilities, we calculate a gaussian distribution parameter such that the probability of a data point is maximized, and these new parameters can be calculated using a weighting of the probability of a data point, which is the probability that the data point belongs to the cluster.

4. Iterations 2 and 3 are repeated until the change in the iterations is not large.

And adopting a specific clustering method according to actual needs.

In the embodiment of the invention, the wind control auditing of the original saleable product is applied offline, and breakpoints exist between the wind control auditing and the product design and product release processes. Based on the above, the invention provides the method for inputting the risk information to be audited of the products sold by the bank online to realize online auditing.

When a product manager maintains the information of the saleable products, money laundering risk assessment, product system files and general division approval certification materials are input on line, and the functions of the system are as follows: and the data are used as the auditing basis for subsequent wind control (insurance, money laundering and risk) and product auditing departments. The money laundering risk assessment, the product system file and the general division approval certification material show that the risk information to be audited can comprise risk grade information, anti-money laundering grade information and disappearing insurance information;

and auditing the risk information to be audited, including:

Specifically, the audit personnel of the money backwashing center prove materials, recheck opinions, the money backwashing compliance of the audit system files and the reasonability of the values of all risk sub-items according to uploaded product system files, system requirements, operation manuals and the like, and are responsible for completing the part of the evaluation table in which the inner control compliance part is responsible for filling. The risk department evaluates the possibility and the consequences of the risk points on the basis of risk identification, including but not limited to credit risk, market risk, liquidity risk, reputation risk and the like, and measures the process of determining the product risk level. The cancellation and protection part is used for checking the compliance and the checking requirement related to product cancellation and protection based on the consumer rights and benefits protection checking mechanism. Three departments respectively perform their own functions, each department is examined and approved by three posts, and each post is automatically transferred to the next post if passing and returned to the previous post if not passing.

Specifically, as shown in fig. 3, the auditing of the risk level information, the anti-money laundering level information, and the information of the payment guarantee includes:

step 301: sending the risk grade information, the anti-money laundering grade information and the cancellation and protection information to corresponding auditing systems, and receiving auditing opinions returned by the corresponding auditing systems;

step 302: and aggregating the corresponding auditing opinions.

In the embodiment of the present invention, as shown in fig. 4, the method further includes:

step 401: if the corresponding audit opinions show that the audit is not passed, modifying corresponding risk information to be audited;

step 402: and sending the modified risk information to be audited to a corresponding auditing system for secondary auditing.

In the embodiment of the present invention, as shown in fig. 5, the method further includes:

step 501: and if the corresponding audit opinions show that the audit is passed, auditing the product structure and the innovation degree.

Specifically, when a service department initiates a new addition of a saleable product, it is necessary to determine a cluster product to which the service department belongs, and if there is no matched cluster product, the service department needs to add the new product according to the flow chart illustrated in fig. 6. And after the clustering product is newly added, determining the risk level of the saleable product and the anti-money laundering risk level.

In the cluster product maintenance, a product operation management department serves as a manager, after the product maintenance is proposed, a business department needs to pass through the internal audit layer by layer, after the audit is passed, tasks are automatically and parallelly sent to a risk department, a deputy department and an anti-money laundering center for corresponding risk audit, and after the risk audit is passed, the tasks are transferred to a product innovation and management department for auditing the attribution of the product.

Specifically, the product structure indicates whether the product line and the basic product to which the saleable product belongs are selected correctly, the innovation degree indicates the innovation level of the newly added product, and the newly added product is a major innovation or a common iteration.

In the embodiment of the present invention, the method further includes:

Specifically, the saleable products reuse the anti-money laundering risk level of the clustered products. The clustered products have a definite mapping relation with the saleable products, the clustered products are a combination of a plurality of saleable products (including one), and each saleable product has to map one clustered product; the risk characteristics of all marketable products under the same category of products should converge.

The clustering principle is shown as above, but the association relationship is that the applicant autonomously selects the clustered products for association when maintaining the information of the saleable products, and after a certain cluster is selected, the risk level of the saleable product reflects the risk level of the clustered product.

In the embodiment of the present invention, the determining whether the bank sellable product has a cluster product according to the bank sellable product information includes:

In the embodiment of the present invention, the method further includes:

Specifically, a systematic, automatic and structured enterprise-level product management system is established through a product catalog and a pedigree. The system automatically generates an enterprise-level product pedigree diagram, supports flexible display, can clearly reflect the business logic of the whole-row product, and lays a foundation for the whole-row product operation management, product innovation management, product wind control and compliance management.

In the embodiment of the invention, the bank product fine management is realized through an enterprise-level product model and a product pedigree architecture. As shown in fig. 2, the enterprise-level product model is pyramidal, and at the very tip of the pyramid is the product line, which is followed by the product group-the base product-the marketable product. Among them, the saleable products are products sold and operated to the outside. The basic product is a product template supporting the rapid innovation of the product. A product group is a collection of products that are supported by the same application component. The product line is a product division in the business field.

As shown in fig. 2, the product pedigree architecture is, from top to bottom: product line-base product-cluster product-saleable product.

For example.

Product line: a deposit product line;

basic product: base product 1 (fixed deposit) and base product 2 (personal debit card);

clustering products: cluster product 1 (personal fixed deposit), cluster product 2 (personal benefit deposit) and cluster product 3 (personal debit card);

products available for sale:

the saleable products (3 months of money A) and the saleable products (6 months of money B) are correspondingly clustered into a clustering product 1 (personal periodical deposit);

the saleable products (education deposit) and the saleable products (deposit book interest saving deposit) correspond to the clustering products 2 (personal benefit deposit);

the saleable products (union pay compound private bank card) and the saleable products (union pay compound wealth management card) correspond to the clustered products 3 (personal debit card).

In the embodiment of the invention, the invention can realize the maintenance of the clustered products, and mainly comprises the steps of adding, deleting, modifying, checking and auditing the clustered products; 2. the clustering product view can be realized, the effective clustering products can be displayed, and the display can be performed based on the dimensions of management departments, evaluation grades and the like; 3. the method can realize the maintenance of the saleable products, aims at the functions of adding, deleting, modifying and checking the saleable products and needs to select the belonged clustered products when the saleable products are maintained.

The embodiment of the invention also provides a bank product fine management device, which is described in the following embodiment. Because the principle of the device for solving the problems is similar to the bank product fine management method, the implementation of the device can refer to the implementation of the bank product fine management method, and repeated parts are not described in detail.

Example 2

FIG. 7 is a block diagram of a detailed management apparatus for bank products according to an embodiment of the present invention; as shown in fig. 7, the apparatus includes:

the information input module 02 is used for inputting the information of the products which can be sold by the bank and the information of the risks to be audited of the products which can be sold by the bank;

the product auditing module 04 is used for auditing the risk information to be audited;

and the clustering module 06, if the verification is passed, judging whether the bank sellable product has the cluster product belonging to the bank according to the bank sellable product information, if so, adding the bank sellable product information to the cluster product belonging to the bank, and if not, performing clustering analysis on the bank sellable product information to determine the cluster product belonging to the bank sellable product.

In the embodiment of the invention, the risk information to be audited comprises risk grade information, anti-money laundering grade information and information of disapproval and insurance;

the product audit module 04 is specifically configured to:

In an embodiment of the present invention, the product audit module 04 is specifically configured to:

and aggregating the corresponding auditing opinions.

In the embodiment of the present invention, the information entry module 02 is further configured to:

the product audit module 04 is further configured to:

In an embodiment of the present invention, the product audit module 04 is further configured to:

In this embodiment of the present invention, the clustering module 06 is further configured to:

In the embodiment of the present invention, the clustering module 06 is specifically configured to:

In the embodiment of the present invention, as shown in fig. 8, the method further includes:

and the display module 08 is used for acquiring and displaying the attribute information of the clustered products.

In the embodiment of the present invention, the display module 08 is further configured to:

Example 3

Embodiment 3 provides a computer device, which may be a desktop computer, a tablet computer, a mobile terminal, and the like, but the embodiment is not limited thereto. In this embodiment, the computer device may refer to the implementation of the method in embodiment 1 and the apparatus in embodiment 2, and the contents thereof are incorporated herein, and repeated descriptions are omitted.

Fig. 9 is a schematic block diagram of a system configuration of a computer apparatus 600 according to an embodiment of the present invention. As shown in fig. 9, the computer apparatus 600 may include a central processor 100 and a memory 140; the memory 140 is coupled to the central processor 100. Notably, this diagram is exemplary; other types of structures may also be used in addition to or in place of the structure to implement telecommunications or other functions.

In one embodiment, the detailed management function of the bank product can be integrated into the central processor 100. The central processor 100 may be configured to control as follows:

The risk information to be audited comprises risk grade information, anti-money laundering grade information and information of payment and insurance;

and auditing the risk information to be audited, including:

Wherein, audit is carried out to risk grade information, anti-money laundering grade information and information of disappearing guarantor, including:

and aggregating the corresponding auditing opinions.

Wherein, still include:

Wherein, according to the information of the products sold by the bank, judging whether the products sold by the bank have the cluster products, the method comprises the following steps:

Wherein, still include:

In another embodiment, the bank product refinement management device may be configured separately from the central processor 100, for example, the bank product refinement management device may be configured as a chip connected to the central processor 100, and the bank product refinement management function is realized by the control of the central processor.

As shown in fig. 9, the computer apparatus 600 may further include: communication module 110, input unit 120, audio processing unit 130, display 160, power supply 170. It is noted that the computer device 600 does not necessarily include all of the components shown in FIG. 9; furthermore, the computer device 600 may also comprise components not shown in fig. 9, as can be seen in the prior art.

As shown in fig. 9, the central processor 100, sometimes referred to as a controller or operational control, may comprise a microprocessor or other processor device and/or logic device, the central processor 100 receiving input and controlling the operation of the various components of the computer apparatus 600.

The memory 140 may be, for example, one or more of a buffer, a flash memory, a hard drive, a removable media, a volatile memory, a non-volatile memory, or other suitable device. A program for executing the relevant information may be stored. And the central processing unit 100 may execute the program stored in the memory 140 to realize information storage or processing, etc.

The input unit 120 provides input to the cpu 100. The input unit 120 is, for example, a key or a touch input device. The power supply 170 is used to provide power to the computer device 600. The display 160 is used to display an object to be displayed, such as an image or a character. The display may be, for example, an LCD display, but is not limited thereto.

The memory 140 may be a solid state memory such as Read Only Memory (ROM), Random Access Memory (RAM), a SIM card, or the like. There may also be a memory that holds information even when power is off, can be selectively erased, and is provided with more data, an example of which is sometimes called an EPROM or the like. The memory 140 may also be some other type of device. Memory 140 includes buffer memory 141 (sometimes referred to as a buffer). The memory 140 may include an application/function storage section 142, and the application/function storage section 142 is used to store application programs and function programs or a flow for executing the operation of the computer apparatus 600 by the central processing unit 100.

Memory 140 may also include a data store 143, the data store 143 for storing data, such as contacts, digital data, pictures, sounds, and/or any other data used by a computer device. The driver storage 144 of the memory 140 may include various drivers for the computer device for communication functions and/or for performing other functions of the computer device (e.g., messaging applications, directory applications, etc.).

The communication module 110 is a transmitter/receiver 110 that transmits and receives signals via an antenna 111. The communication module (transmitter/receiver) 110 is coupled to the central processor 100 to provide an input signal and receive an output signal, which may be the same as in the case of a conventional mobile communication terminal.

Based on different communication technologies, a plurality of communication modules 110, such as a cellular network module, a bluetooth module, and/or a wireless local area network module, may be provided in the same computer device. The communication module (transmitter/receiver) 110 is also coupled to a speaker 131 and a microphone 132 via an audio processor 130 to provide audio output via the speaker 131 and receive audio input from the microphone 132 to implement general telecommunications functions. Audio processor 130 may include any suitable buffers, decoders, amplifiers and so forth. In addition, an audio processor 130 is also coupled to the central processor 100, so that recording on the local can be enabled through a microphone 132, and so that sound stored on the local can be played through a speaker 131.

In the embodiment of the invention, the information of products which can be sold by the bank and the risk information to be audited of the products which can be sold by the bank are input; and auditing the risk information to be audited, if the audit is passed, judging whether the bank sellable product has the belonged clustering product according to the bank sellable product information, if so, adding the bank sellable product information to the belonged clustering product, and if not, performing clustering analysis on the bank sellable product information to determine the belonged clustering product of the bank sellable product. According to the invention, the saleable products are clustered, and based on the clustered products of the service management view, the flow, data and information barriers among departments, branches, sub-companies and other organizations can be opened, the fine management capability and digital management level of the products are effectively improved, and the closed-loop management of the full life cycle of the products is realized.

As will be appreciated by one skilled in the art, embodiments of the present invention may be provided as a method, system, or computer program product. Accordingly, the present invention may take the form of an entirely hardware embodiment, an entirely software embodiment or an embodiment combining software and hardware aspects. Furthermore, the present invention may take the form of a computer program product embodied on one or more computer-usable storage media (including, but not limited to, disk storage, CD-ROM, optical storage, and the like) having computer-usable program code embodied therein.

The present invention is described with reference to flowchart illustrations and/or block diagrams of methods, apparatus (systems), and computer program products according to embodiments of the invention. It will be understood that each flow and/or block of the flow diagrams and/or block diagrams, and combinations of flows and/or blocks in the flow diagrams and/or block diagrams, can be implemented by computer program instructions. These computer program instructions may be provided to a processor of a general purpose computer, special purpose computer, embedded processor, or other programmable data processing apparatus to produce a machine, such that the instructions, which execute via the processor of the computer or other programmable data processing apparatus, create means for implementing the functions specified in the flowchart flow or flows and/or block diagram block or blocks.

These computer program instructions may also be stored in a computer-readable memory that can direct a computer or other programmable data processing apparatus to function in a particular manner, such that the instructions stored in the computer-readable memory produce an article of manufacture including instruction means which implement the function specified in the flowchart flow or flows and/or block diagram block or blocks.

These computer program instructions may also be loaded onto a computer or other programmable data processing apparatus to cause a series of operational steps to be performed on the computer or other programmable apparatus to produce a computer implemented process such that the instructions which execute on the computer or other programmable apparatus provide steps for implementing the functions specified in the flowchart flow or flows and/or block diagram block or blocks.

The above-mentioned embodiments are intended to illustrate the objects, technical solutions and advantages of the present invention in further detail, and it should be understood that the above-mentioned embodiments are only exemplary embodiments of the present invention, and are not intended to limit the scope of the present invention, and any modifications, equivalent substitutions, improvements and the like made within the spirit and principle of the present invention should be included in the scope of the present invention.

Claims

1. A fine management method for bank products is characterized by comprising the following steps:

2. The fine management method for bank products according to claim 1, wherein the risk information to be audited includes risk level information, anti-money laundering level information and information for payment and insurance;

and auditing the risk information to be audited, including:

3. The fine management method for bank products according to claim 2, wherein the auditing of the risk level information, the anti-money laundering level information and the information of the payment guarantee includes:

and aggregating the corresponding auditing opinions.

4. The fine management method for bank products according to claim 3, further comprising:

5. The fine management method for bank products according to claim 3, further comprising:

6. The fine management method for bank products according to claim 1, further comprising:

7. The method for fine management of bank products according to claim 1, wherein the step of determining whether the bank sellable product has a cluster product according to the bank sellable product information includes:

8. The fine management method for bank products according to claim 1, further comprising:

9. The fine management method for bank products according to claim 1, further comprising:

10. A bank product fine management device is characterized by comprising:

11. The bank product refinement management device according to claim 10, wherein the risk information to be audited includes risk level information, anti-money laundering level information, and cancellation security information;

the product auditing module is specifically configured to:

12. The bank product refinement management device according to claim 11, wherein the product audit module is specifically configured to:

and aggregating the corresponding auditing opinions.

13. The banking product refinement management device according to claim 12, wherein the information entry module is further configured to:

the product auditing module is also used for:

14. The bank product refinement management device according to claim 12, wherein the product audit module is further configured to:

15. The banking product refinement management device according to claim 10, wherein the clustering module is further configured to:

16. The fine management device for bank products according to claim 10, wherein the clustering module is specifically configured to:

17. The banking product refinement management device according to claim 10, further comprising:

18. The banking product refinement management device according to claim 10, wherein the display module is further configured to:

19. A computer device comprising a memory, a processor and a computer program stored in the memory and executable on the processor, wherein the processor implements the method for fine management of bank products according to any one of claims 1 to 9 when executing the computer program.

20. A computer-readable storage medium, on which a computer program is stored, wherein the program, when executed by a processor, implements the steps of the method for fine management of bank products according to any one of claims 1 to 9.