阅读说明：本技术 基于资金交易的主体亲密度计算方法、装置及存储介质 (Principal intimacy degree calculation method and device based on fund transaction and storage medium ) 是由 高勇 郝梓琳 徐浩 于 2021-07-29 设计创作，主要内容包括：本申请涉及一种基于资金交易的主体亲密度计算方法、装置及存储介质,选取了双向的流出金额占比、流入金额占比、流出次数占比、流入次数占比共八个方面的交易数据对两个企业间的资金交易亲密程度进行计算。能够比较准确得现实两个企业的亲密程度,能够为企业相互之间的影响作出量化的数据比较。(The application relates to a principal intimacy degree calculation method, a principal intimacy degree calculation device and a principal intimacy degree calculation storage medium based on fund transactions. The method can accurately obtain the intimacy degree of two enterprises, and can make quantitative data comparison for the mutual influence of the enterprises.)

1. A method for calculating the intimacy degree of two main bodies based on fund transaction is characterized by comprising the following steps:

s1: obtaining a total amount M of a principal payment transaction A over a period of time₁And total number of times N₁；

Obtaining the total amount M of the A main body collection transaction in the time period₂And total number of times N₂；

Obtaining the amount m of the payment transaction from the A main body to the B main body in the time period₁And number n of times₁；

Obtaining the amount m of the payment transaction from the A main body to the B main body in the time period₂And number n of times₂；

Obtaining the total amount S of the payment transaction of the main body B in the time period₁And total number of times T₁；

Obtaining the total amount S of the main body collection transaction in the time period B₂And total number of times T₂；

S2: calculating the ratio p of the inflow amount of the main body A₁，p₁＝m₂/M₂；

Calculating the ratio p of the outflow amount of the main body A₂，p₂＝m₁/M₁；

Calculating the ratio p of the A main body inflow times₃，p₃＝n₂/N₂；

Calculating the ratio p of the A main body outflow times₄，p₄＝n₁/N₁；

Calculating the ratio p of the inflow amount of the B main body₅，p₅＝m₁/S₂；

Calculating the ratio p of the outflow amount of the main body B₆，p₆＝m₂/S₁；

Calculating the ratio p of the number of B main body inflows₇，p₇＝n₁/T₂；

Calculating the ratio p of the outflow times of the B main body₈，p₈＝n₂/T₁；

S3: calculating the intimacy degree P ═ w of the A main body and the B main body₁p₁+w₂p₂+w₃p₃+

w₄p₄+w₅p₅+w₆p₆+w₇p₇+w₈p₈Wherein w is₁、w₂、w₃、w₄、w₅、w₆、w₇、w₈To adjust the coefficients.

2. The method for calculating the intimacy degree of a principal based on fund transaction according to claim 1, wherein the statistics of transaction progress in the time period are obtained in step S1;

when the subject is an enterprise;

if the payment from the A principal to the B principal occurs in every month, 90% of the payment date occurs in one week, and the number of times is 0-2 times per month, the payment form from the A principal to the B principal is determined as monthly payment;

if the payment from the B subject to the A subject occurs every month, 90% of the payment date occurs in one week, and the number of times is 0-2 times per month, the payment form from the B subject to the A subject is determined as monthly payment;

and considering the A subject as the payment season client of the B subject when the following conditions are met:

in the time period, the difference between the date of each payment from the main body B to the main body A to the number of days at the beginning of the quarter is within 7 days, or the difference between the date of each payment and the number of days at the end of the quarter is within 7 days, the payment of each quarter occurs 0-2 times, and the total number of the payments in one year is less than 5 times;

and considering the body B as the payment season client of the body A when the following conditions are met:

in the time period, the difference between the payment date of the main body A to the main body B from the first days of the quarter is within 7 days, or the difference between the payment date of each time and the last days of the quarter is within 7 days, the payment of each quarter occurs 0-2 times, and the total payment times in one year are less than 5 times;

in step S3, the ratio of the number of outflows or inflows is adjusted based on the payment type of the a body to the B body and the payment type of the B body to the a body.

3. The method of calculating the closeness of two parties based on fund transaction according to claim 2,

when the payment form of the A body to the B body is monthly payment or seasonal payment and the payment form of the B body to the A body is not monthly payment or seasonal payment, the ratio of the outflow times of the A body to the inflow times of the B body is adjusted to 1, namely P₄＝1，P₇＝1；

When the payment form of the B body to the A body is monthly payment or seasonal payment, and the payment form of the A body to the B body is not monthly payment or seasonal payment, the ratio of the outflow times of the B body to the inflow times of the A body is adjusted to be 1, namely P₃＝1，P₈＝1；

When the payment form of the A body to the B body is monthly payment or seasonal payment and the payment form of the B body to the A body is monthly payment or seasonal payment, the outflow frequency ratio of the A body, the inflow frequency ratio of the B body, the outflow frequency ratio of the B body and the inflow frequency ratio of the A body are all adjusted to be 1, namely P₃＝1，P₄＝1，P₇＝1，P₈＝1。

4. The method for calculating the intimacy degree of two bodies based on fund transaction according to any one of claims 1-3,

s3, setting an adjusting coefficient according to the application scene, wherein the adjusting coefficient is w when the adjusting coefficient is used for evaluating the closeness of settlement transaction₁＝0.125,w₂＝0.125,w₃＝0.125,w₄＝0.125,w₅＝0.125,w₆＝0.125,w₇＝0.125,w₈＝0.125；

When the method is used for evaluating the closeness of the outflow transaction, the adjustment coefficient is w₁＝0,w₂＝0.25,w₃＝0,w₄＝0.25,w₅＝0,w₆＝0.25,w₇＝0,w₈＝0.25；

Adjusting the coefficient to w for incoming transaction tightness evaluation₁＝0.25,w₂＝0,w₃＝0.25,w₄＝0,w₅＝0.25,w₆＝0,w₇＝0.25,w₈＝0。

5. An operation risk judging method, characterized in that when the A main body has bankruptcy and serious default, the intimacy degree of all the main bodies having transaction relation with the A main body is calculated by using the two-main-body intimacy degree calculating method based on fund transaction as claimed in any one of claims 1-4, and the enterprise with greater intimacy degree is influenced by the A main body more greatly.

6. A device for calculating the intimacy degree of two main bodies based on fund transaction is characterized by comprising:

a data acquisition module: for obtaining data for obtaining a total amount M of a principal payment transaction A over a period of time₁And total number of times N₁(ii) a Obtaining the total amount M of the A main body collection transaction in the time period₂And total number of times N₂(ii) a Obtaining the amount m of the payment transaction from the A main body to the B main body in the time period₁And number n of times₁(ii) a Obtaining the amount m of the payment transaction from the A main body to the B main body in the time period₂And number n of times₂(ii) a Obtaining the total amount S of the payment transaction of the main body B in the time period₁And total number of times T₁(ii) a Obtaining the total amount S of the main body collection transaction in the time period B₂And total number of times T₂；

A data calculation module: for calculating the ratio p of the inflow amount of the A main body₁，p₁＝m₂/M₂(ii) a Calculating the ratio p of the outflow amount of the main body A₂，p₂＝m₁/M₁(ii) a Calculating the ratio p of the A main body inflow times₃，p₃＝n₂/N₂(ii) a Calculating the ratio p of the A main body outflow times₄，p₄＝n₁/N₁(ii) a Calculating the ratio p of the inflow amount of the B main body₅，p₅＝m₁/S₂(ii) a Calculating the ratio p of the outflow amount of the main body B₆，p₆＝m₂/S₁(ii) a Calculating the ratio p of the number of B main body inflows₇，p₇＝n₁/T₂(ii) a Calculating the ratio p of the outflow times of the B main body₈，p₈＝n₂/T₁；

A result output module: for calculating the intimacy P ═ w of A and B bodies₁p₁+w₂p₂+w₃p₃+w₄p₄+w₅p₅+w₆p₆+w₇p₇+w₈p₈Wherein w is₁、w₂、w₃、w₄、w₅、w₆、w₇、w₈To adjust the coefficients.

7. The fund transaction-based two-party affinity calculation apparatus according to claim 6, wherein the party is a business; acquiring the statistics of the transactions in the time period in a data acquisition module,

if the payment from the A principal to the B principal occurs in every month, 90% of the payment date occurs in one week, and the number of times is 0-2 times per month, the payment form from the A principal to the B principal is determined as monthly payment;

if the payment from the B subject to the A subject occurs every month, 90% of the payment date occurs in one week, and the number of times is 0-2 times per month, the payment form from the B subject to the A subject is determined as monthly payment;

and considering the A subject as the payment season client of the B subject when the following conditions are met:

in the time period, the difference between the date of each payment from the main body B to the main body A to the number of days at the beginning of the quarter is within 7 days, or the difference between the date of each payment and the number of days at the end of the quarter is within 7 days, the payment of each quarter occurs 0-2 times, and the total number of the payments in one year is less than 5 times;

and considering the body B as the payment season client of the body A when the following conditions are met:

in the time period, the difference between the payment date of the main body A to the main body B from the first days of the quarter is within 7 days, or the difference between the payment date of each time and the last days of the quarter is within 7 days, the payment of each quarter occurs 0-2 times, and the total payment times in one year are less than 5 times;

in the result output module, the outflow frequency ratio or the inflow frequency ratio is adjusted according to the payment form from the A main body to the B main body and the payment form from the B main body to the A main body.

8. The method of calculating closeness of two parties based on fund transaction according to claim 7,

when the payment form of the A body to the B body is monthly payment or seasonal payment and the payment form of the B body to the A body is not monthly payment or seasonal payment, the ratio of the outflow times of the A body to the inflow times of the B body is adjusted to 1, namely P₄＝1，P₇＝1；

When the payment form of the B body to the A body is monthly payment or seasonal payment, and the payment form of the A body to the B body is not monthly payment or seasonal payment, the ratio of the outflow times of the B body to the inflow times of the A body is adjusted to be 1, namely P₃＝1，P₈＝1；

When the payment form of the A body to the B body is monthly payment or seasonal payment and the payment form of the B body to the A body is monthly payment or seasonal payment, the outflow frequency ratio of the A body, the inflow frequency ratio of the B body, the outflow frequency ratio of the B body and the inflow frequency ratio of the A body are all adjusted to be 1, namely P₃＝1，P₄＝1，P₇＝1，P₈＝1。

9. The two-party affinity calculation apparatus for fund transaction according to any one of claims 6 to 8,

setting an adjusting coefficient according to an application scene in the result output module, wherein the adjusting coefficient is w when the adjusting coefficient is used for evaluating the closeness of settlement transaction₁＝0.125,w₂＝0.125,w₃＝0.125,w₄＝0.125,w₅＝0.125,w₆＝0.125,w₇＝0.125,w₈0.125; when the method is used for evaluating the closeness of the outflow transaction, the adjustment coefficient is w₁＝0,w₂＝0.25,w₃＝0,w₄＝0.25,w₅＝0,w₆＝0.25,w₇＝0,w₈0.25; adjusting the coefficient to w for incoming transaction tightness evaluation₁＝0.25,w₂＝0,w₃＝0.25,w₄＝0,w₅＝0.25,w₆＝0,w₇＝0.25,w₈＝0。

10. A computer-readable storage medium having one or more instructions stored thereon, the instructions adapted to be loaded by a processor and to perform the method of any of claims 1-5.

Technical Field

The application belongs to the technical field of enterprise risk early warning, and particularly relates to a principal intimacy degree calculation method and device based on fund transaction and a storage medium.

Background

Enterprises face various operational risks all the time, and financial institutions such as banks can evaluate the enterprises according to the operational risks of the enterprises so as to determine loan time, amount, repayment deadline, interest rate and the like.

When a great operation risk occurs in one of the enterprises, related enterprises are inevitably affected, and the method, the device, the computer equipment and the storage medium for deeply searching the equity relationship of the enterprises in the Chinese patent document CN111104568A evaluate the intimacy of the enterprises in terms of the equity. However, in reality, there is only a transaction relationship between a large number of enterprises, so there is no method for evaluating the extent of spread in the transaction dimension, and there is an urgent need for a method for calculating the intimacy degree of a subject based on fund transaction.

Disclosure of Invention

The technical problem to be solved by the invention is as follows: in order to solve the defects in the prior art, a method, a device and a storage medium for calculating the intimacy degree of a principal based on fund transaction are provided.

The technical scheme adopted by the invention for solving the technical problems is as follows:

the invention relates to a method for calculating the intimacy degree of two main bodies based on fund transaction, which comprises the following steps:

s1: obtaining a total amount M of a principal payment transaction A over a period of time₁And total number of times N₁；

Obtaining the total amount M of the A main body collection transaction in the time period₂And total number of times N₂；

Obtaining the amount m of the payment transaction from the A main body to the B main body in the time period₁And number n of times₁；

Obtaining the amount m of the payment transaction from the A main body to the B main body in the time period₂And number n of times₂；

Obtaining the total amount S of the payment transaction of the main body B in the time period₁And total number of times T₁；

Obtaining the total amount S of the main body collection transaction in the time period B₂And total number of times T₂；

S2: calculating the ratio p of the inflow amount of the main body A₁，p₁＝m₂/M₂；

Calculating the ratio p of the outflow amount of the main body A₂，p₂＝m₁/M₁；

Calculating the ratio p of the A main body inflow times₃，p₃＝n₂/N₂；

Calculating the ratio p of the A main body outflow times₄，p₄＝n₁/N₁；

Calculating the ratio p of the inflow amount of the B main body₅，p₅＝m₁/S₂；

Calculating the ratio p of the outflow amount of the main body B₆，p₆＝m₂/S₁；

Calculating the ratio p of the number of B main body inflows₇，p₇＝n₁/T₂；

Calculating the ratio p of the outflow times of the B main body₈，p₈＝n₂/T₁；

S3: calculating the intimacy degree P ═ w of the A main body and the B main body₁p₁+w₂p₂+w₃p₃+w₄p₄+w₅p₅+w₆p₆+w₇p₇+w₈p₈Wherein w is₁、w₂、w₃、w₄、w₅、w₆、w₇、w₈To adjust the coefficients.

Preferably, the method for calculating the intimacy degree of two bodies based on fund transaction obtains the transaction statistics in the time period in the step S1;

if the payment from the A principal to the B principal occurs in every month, 90% of the payment date occurs in one week, and the number of times is 0-2 times per month, the payment form from the A principal to the B principal is determined as monthly payment;

if the payment from the B subject to the A subject occurs every month, 90% of the payment date occurs in one week, and the number of times is 0-2 times per month, the payment form from the B subject to the A subject is determined as monthly payment;

and considering the A subject as the payment season client of the B subject when the following conditions are met:

in the time period, the difference between the date of each payment from the main body B to the main body A to the number of days at the beginning of the quarter is within 7 days, or the difference between the date of each payment and the number of days at the end of the quarter is within 7 days, the payment of each quarter occurs 0-2 times, and the total number of the payments in one year is less than 5 times;

and considering the body B as the payment season client of the body A when the following conditions are met:

in the time period, the difference between the payment date of the main body A to the main body B from the first days of the quarter is within 7 days, or the difference between the payment date of each time and the last days of the quarter is within 7 days, the payment of each quarter occurs 0-2 times, and the total payment times in one year are less than 5 times;

in step S3, the ratio of the number of outflows or inflows is adjusted based on the payment type of the a body to the B body and the payment type of the B body to the a body.

Preferably, the method for calculating the intimacy degree of two bodies based on fund transaction,

when the payment form of the A body to the B body is monthly payment or seasonal payment and the payment form of the B body to the A body is not monthly payment or seasonal payment, the ratio of the outflow times of the A body to the inflow times of the B body is adjusted to 1, namely P₄＝1，P₇＝1；

When the payment form of the B body to the A body is monthly payment or seasonal payment, and the payment form of the A body to the B body is not monthly payment or seasonal payment, the ratio of the outflow times of the B body to the inflow times of the A body is adjusted to be 1, namely P₃＝1，P₈＝1；

When the payment form of the A body to the B body is monthly payment or seasonal payment and the payment form of the B body to the A body is monthly payment or seasonal payment, the outflow frequency ratio of the A body, the inflow frequency ratio of the B body, the outflow frequency ratio of the B body and the inflow frequency ratio of the A body are all adjusted to be 1, namely P₃＝1，P₄＝1，P₇＝1，P₈＝1。

Preferably, in the method for calculating the intimacy degree of two parties based on fund transaction of the present invention, the adjustment coefficient is set according to the application scenario in step S3, and when the adjustment coefficient is used for evaluating the closeness degree of settlement transaction, the adjustment coefficient is w₁＝0.125,w₂＝0.125,w₃＝0.125,w₄＝0.125,w₅＝0.125,w₆＝0.125,w₇＝0.125,w₈＝0.125；

When the method is used for evaluating the closeness of the outflow transaction, the adjustment coefficient is w₁＝0,w₂＝0.25,w₃＝0,w₄＝0.25,w₅＝0,w₆＝0.25,w₇＝0,w₈＝0.25；

Adjusting the coefficient to w for incoming transaction tightness evaluation₁＝0.25,w₂＝0,w₃＝0.25,w₄＝0,w₅＝0.25,w₆＝0,w₇＝0.25,w₈＝0。

The application also provides an operation risk judgment method, when the A main body has bankruptcy and serious default, the intimacy degree of all the main bodies having transaction relation with the A main body is calculated by using the two main body intimacy degree calculation method based on fund transaction, and enterprises with greater intimacy degree are influenced by the A main body more greatly.

The invention also provides a device for calculating the intimacy degree of two main bodies based on fund transaction, which comprises:

a data acquisition module: for obtaining data for obtaining a total amount M of a principal payment transaction A over a period of time₁And total number of times N₁(ii) a Obtaining the total amount M of the A main body collection transaction in the time period₂And total number of times N₂(ii) a Obtaining the amount m of the payment transaction from the A main body to the B main body in the time period₁And number n of times₁(ii) a Obtaining the amount m of the payment transaction from the A main body to the B main body in the time period₂And number n of times₂(ii) a Obtaining the total amount S of the payment transaction of the main body B in the time period₁And total number of times T₁(ii) a Obtaining the total amount S of the main body collection transaction in the time period B₂And total number of times T₂；

A data calculation module: for calculating the following data, calculating the ratio p of the inflow amount of the main body A₁，p₁＝m₂/M₂(ii) a Calculating the ratio p of the outflow amount of the main body A₂，p₂＝m₁/M₁(ii) a Calculating the ratio p of the A main body inflow times₃，p₃＝n₂/N₂(ii) a Calculating the ratio p of the A main body outflow times₄，p₄＝n₁/N₁(ii) a Calculating the ratio p of the inflow amount of the B main body₅，p₅＝m₁/S₂(ii) a Calculating the ratio p of the outflow amount of the main body B₆，p₆＝m₂/S₁(ii) a Calculating the ratio p of the number of B main body inflows₇，p₇＝n₁/T₂(ii) a Calculating the ratio p of the outflow times of the B main body₈，p₈＝n₂/T₁；

A result output module: for calculating the intimacy P ═ w of A and B bodies₁p₁+w₂p₂+w₃p₃+w₄p₄+w₅p₅+w₆p₆+w₇p₇+w₈p₈Wherein w is₁、w₂、w₃、w₄、w₅、w₆、w₇、w₈To adjust the coefficients.

Preferably, the device for calculating the intimacy degree of two bodies based on fund transaction obtains the transaction statistics in the time period in the data acquisition module,

if the payment from the A principal to the B principal occurs in every month, 90% of the payment date occurs in one week, and the number of times is 0-2 times per month, the payment form from the A principal to the B principal is determined as monthly payment;

if the payment from the B subject to the A subject occurs every month, 90% of the payment date occurs in one week, and the number of times is 0-2 times per month, the payment form from the B subject to the A subject is determined as monthly payment;

and considering the A subject as the payment season client of the B subject when the following conditions are met:

in the time period, the difference between the date of each payment from the main body B to the main body A to the number of days at the beginning of the quarter is within 7 days, or the difference between the date of each payment and the number of days at the end of the quarter is within 7 days, the payment of each quarter occurs 0-2 times, and the total number of the payments in one year is less than 5 times;

and considering the body B as the payment season client of the body A when the following conditions are met:

in the time period, the difference between the payment date of the main body A to the main body B from the first days of the quarter is within 7 days, or the difference between the payment date of each time and the last days of the quarter is within 7 days, the payment of each quarter occurs 0-2 times, and the total payment times in one year are less than 5 times;

in the result output module, the outflow frequency ratio or the inflow frequency ratio is adjusted according to the payment form from the A main body to the B main body and the payment form from the B main body to the A main body.

Preferably, in the method for calculating the intimacy degree between two parties based on fund transaction, when the payment form of the A party to the B party is monthly payment or seasonal payment and the payment form of the B party to the A party is not monthly payment or seasonal payment, the ratio of the outflow times of the A party to the inflow times of the B party is adjusted to be 1, namely, P₄＝1，P₇＝1；

When the payment form of the B body to the A body is monthly payment or seasonal payment, and the payment form of the A body to the B body is not monthly payment or seasonal payment, the ratio of the outflow times of the B body to the inflow times of the A body is adjusted to be 1, namely P₃＝1，P₈＝1；

When the payment form of the A body to the B body is monthly payment or seasonal payment and the payment form of the B body to the A body is monthly payment or seasonal payment, the outflow frequency ratio of the A body, the inflow frequency ratio of the B body, the outflow frequency ratio of the B body and the inflow frequency ratio of the A body are all adjusted to be 1, namely P₃＝1，P₄＝1，P₇＝1，P₈＝1。

Preferably, the result output module of the device for calculating the intimacy degree of two parties based on fund transaction sets the adjustment coefficient according to the application scene, and when the adjustment coefficient is used for evaluating the closeness degree of settlement transaction, the adjustment coefficient is w₁＝0.125,w₂＝0.125,w₃＝0.125,w₄＝0.125,w₅＝0.125,w₆＝0.125,w₇＝0.125,w₈0.125; when the method is used for evaluating the closeness of the outflow transaction, the adjustment coefficient is w₁＝0,w₂＝0.25,w₃＝0,w₄＝0.25,w₅＝0,w₆＝0.25,w₇＝0,w₈0.25; adjusting the coefficient to w for incoming transaction tightness evaluation₁＝0.25,w₂＝0,w₃＝0.25,w₄＝0,w₅＝0.25,w₆＝0,w₇＝0.25,w₈＝0。

The present invention also provides a computer readable storage medium having stored thereon one or more instructions adapted to be loaded by a processor and to perform the above-described method.

The invention has the beneficial effects that:

the method, the device and the storage medium for calculating the main body intimacy degree based on the fund transaction select transaction data of eight aspects including bidirectional outflow amount ratio, inflow amount ratio, outflow frequency ratio and inflow frequency ratio to calculate the fund transaction intimacy degree between two enterprises. The method can accurately obtain the intimacy degree of two enterprises, and can make quantitative data comparison for the mutual influence of the enterprises.

And 2, considering the influence of the transaction habits on the transaction data, screening whether the clients are monthly clients or seasonal clients according to the transaction data, and adjusting the calculated value by judging the transaction habits.

3, the application also aims to assign weights according to application fields, and provides accuracy of data under specific application fields.

Drawings

The technical solution of the present application is further explained below with reference to the drawings and the embodiments.

FIG. 1 is a simplified model of the calculation of intimacy degree of two bodies based on fund transaction in example 1 of the present application;

FIG. 2 is a general flowchart of the basic type of the calculation of the intimacy degree of two bodies based on the fund transaction in embodiment 1 of the present application;

FIG. 3 is a general flow chart of an improved form of two-principal intimacy degree calculation based on fund transaction according to example 1 of the present application;

Detailed Description

It should be noted that the embodiments and features of the embodiments in the present application may be combined with each other without conflict.

The technical solutions of the present application will be described in detail below with reference to the accompanying drawings in conjunction with embodiments.

Example 1

The embodiment provides a method for calculating the intimacy degree of two bodies based on fund transaction, as shown in fig. 2, comprising the following steps:

s1: obtaining a total amount M of a principal payment transaction A over a period of time₁And total number of times N₁；

Obtaining the total amount M of the A main body collection transaction in the time period₂And total number of times N₂；

Obtaining the amount m of the payment transaction from the A main body to the B main body in the time period₁And number n of times₁；

Obtaining the amount m of the payment transaction from the A main body to the B main body in the time period₂And number n of times₂；(m₂、n₂And also the amount and number of payment transactions from principal B to principal A, m₁、n₁The amount and number of cash transactions from the B body to the A body

Obtaining the total amount S of the payment transaction of the main body B in the time period₁And total number of times T₁；

Obtaining the total amount S of the main body collection transaction in the time period B₂And total number of times T₂；

S2: calculating the ratio p of the inflow amount of the main body A₁，p₁＝m₂/M₂；

Calculating the ratio p of the outflow amount of the main body A₂，p₂＝m₁/M₁；

Calculating the ratio p of the A main body inflow times₃，p₃＝n₂/N₂；

Calculating the ratio p of the A main body outflow times₄，p₄＝n₁/N₁；

Calculating the ratio p of the inflow amount of the B main body₅，p₅＝m₁/S₂；

Calculating the ratio p of the outflow amount of the main body B₆，p₆＝m₂/S₁；

Calculating the ratio p of the number of B main body inflows₇，p₇＝n₁/T₂；

Calculating the ratio p of the outflow times of the B main body₈，p₈＝n₂/T₁；

S3: calculating the intimacy degree P ═ w of the A main body and the B main body₁p₁+w₂p₂+w₃p₃+w₄p₄+w₅p₅+w₆p₆+w₇p₇+w₈p₈Wherein w is₁、w₂、w₃、w₄、w₅、w₆、w₇、w₈A distribution value that is the size of the distribution P value, or a weight value (adjustment coefficient).

When the weight values of the values are the same, such as the maximum value of P is 1, w₁、w₂、w₃、w₄、w₅、w₆、w₇、w₈All are 0.125, and the maximum value of P is 100 percent, w₁、w₂、w₃、w₄、w₅、w₆、w₇、w₈Was 12.5.

The period of time is preferably one year.

For enterprise customers in the main body, special payment forms of monthly payment and seasonal payment are available;

a subject refers to an entity that participates in a business activity, such as an enterprise, a business entity, or other organization.

The trade habits between the a and B subjects are also calculated before the step of S3,

and judging whether the payment habits of the A main body or the B main body belong to a monthly payment form or a seasonal payment form, wherein the step is used for eliminating the influence brought by the payment habits of the main bodies.

For this purpose, statistics are obtained in step S1, and when the payment from the a principal to the B principal occurs every month, and 90% of the payment dates occur within one week (the week refers to the week of payment, i.e., the difference between the days "DD" in the payment date "YYYY-MM-DD" in the time period is within 7 days), and the number of times is 0 to 2 per month, the payment form from the a principal to the B principal is determined as monthly payment;

counting in the time period, wherein the payment behavior of the B subject to the A subject occurs every month, 90% of payment dates occur in a week (the week refers to the week of payment, namely the difference of days 'DD' in the payment date 'YYYYYY-MM-DD' in the time period is within 7 days), and when the times are 0-2 times per month, the payment form of the B subject to the A subject is determined as monthly payment;

and considering the body B as the payment season client of the body A when the following conditions are met:

in the time period, the difference between the payment date of the A main body to the B main body and the days of the first quarter (quarter of the payment date) is less than 7 days, or the difference between the payment date and the days of the last quarter (quarter of the payment date) is less than 7 days, the payment of each quarter occurs 0-2 times, and the total number of the payments in one year is less than 5 times;

thus, in general, the following are the cases:

1, the payment form of the A main body to the B main body is monthly payment or seasonal payment, the A main body is considered to have a stable payment habit to the B main body, the monthly payment times cannot really express the relation between the two main bodies, the intimacy between the A main body and the B main body is improved by improving the ratio of the A main body outflow times to the B main body inflow times, the strategy is improved to adjust the ratio of the A main body outflow times to the B main body inflow times to 1, namely P₄＝1，P₇＝1；

And 2, the payment form of the B main body to the A main body is monthly payment or seasonal payment, the B main body is considered to have a stable payment habit to the A main body, the monthly payment frequency cannot really express the relation between the two main bodies, the intimacy between the B main body and the A main body is improved by improving the ratio of the outflow frequency of the B main body to the inflow frequency of the A main body, and the improvement strategy is that the ratio of the outflow frequency of the B main body to the inflow frequency of the A main body is adjusted to be 1, namely P₃＝1，P₈＝1；

And 3, the payment form of the A principal to the B principal is monthly payment or seasonal payment, the payment form of the B principal to the A principal is monthly payment or seasonal payment, the A principal is considered to have stable payment habit to the B principal, and the B principalThe body has stable payment habit to the A body, the intimacy between the A body and the B body is improved by improving the outflow time ratio of the A body, the inflow time ratio of the B body, the outflow time ratio of the B body and the inflow time ratio of the A body, the improvement strategy is to adjust the outflow time ratio of the A body, the inflow time ratio of the B body, the outflow time ratio of the B body and the inflow time ratio of the A body to be 1, namely P₃＝1，P₄＝1，P₇＝1，P₈＝1。

Further, the scene adjustment coefficient (w) may also be applied according to community division₁,w₂,w₃,w₄,w₅,w₆,w₇,w₈). When the intimacy calculation is used for evaluating the closeness of settlement transaction, the adjustment coefficient is w₁＝0.125,w₂＝0.125,w₃＝0.125,w₄＝0.125,w₅＝0.125,w₆＝0.125,w₇＝0.125,w₈0.125; when affinity calculation is used for closeness evaluation of outflow transaction, e.g., in a fund outflow related application scenario, the adjustment coefficient is w₁＝0,w₂＝0.25,w₃＝0,w₄＝0.25,w₅＝0,w₆＝0.25,w₇＝0,w₈0.25; affinity calculation for incoming transaction closeness assessment, e.g., funds flow into related application scenarios, with an adjustment factor of w₁＝0.25,w₂＝0,w₃＝0.25,w₄＝0,w₅＝0.25,w₆＝0,w₇＝0.25,w₈＝0。

The following calculation is described for a simple model:

for a trading network, the closeness of trades among enterprises can be described by trading metrics. The attributes related to the transaction need to be considered comprehensively when selecting the transaction indexes, the attributes with larger relevance to the transaction need to be selected, and meanwhile, the selected indexes have mutual independence. The indexes meeting the conditions can select the proportion of inflow and outflow amount and inflow and outflow frequency in both parties of the transaction, so as to describe the transaction compactness between both parties of the transaction. As shown in FIG. 1, the transaction weight between the A body and the B body needs to be measured, and the parameter of the side A body- - > B body is (5, 2), which means that the transaction amount of the A body flowing to the B body is 5, and the transaction frequency is 2, as shown in FIG. 1, it is a simplified model. Where a denotes a body denotes an a body, B denotes a B body, and C, D, E, F, G denotes bodies other than the a body and the B body.

1. Calculating the weight of the inflow amount of the fund of the main body A from the main body B by taking the transaction amount of the main body B flowing to the main body A as a numerator and the inflow amount of the main body A as a denominator, measuring the importance of the inflow amount of the fund of the main body A from the main body B to the total inflow amount of the main body A, wherein the inflow amount ratio of the main body A from the main body B in figure 1 is

2. The ratio of the outflow amount of the A main body, the transaction amount flowing from the A main body to the B main body as a numerator and the outflow amount of the A main body as a denominator are calculated, the weight of the outflow amount of the capital from the A main body to the B main body is calculated, the importance of the outflow amount of the capital from the A main body to the B main body to the total outflow amount of the A main body is measured, and the ratio of the outflow amount of the customer from the A main body to the B main body in FIG. 1 is

3. The ratio of the outflow times of the A main body to the outflow times of the B main body in FIG. 1 is

4. The inflow times of the A main body account for the ratio, the transaction times of the B main body flowing to the A main body are used as numerator, the inflow total times of the A main body are used as denominator, the capital inflow time weight of the A main body from the B main body is calculated, the importance of the capital inflow times of the A main body from the B main body to the total inflow times of the A main body is measured, and the method is shown in the figure1 the ratio of the inflow times of the A main body A derived from the B main body B is

5. The ratio of the outflow amount of the main body B to the outflow amount of the main body B in the figure 1 is that the ratio of the outflow amount of the main body B to the outflow amount of the main body B in the figure 1 is

6. Calculating the weight of the inflow amount of the capital of the B main body from the A main body by taking the transaction amount of the A main body flowing to the B main body as a numerator and the inflow amount of the B main body as a denominator, and measuring the importance of the inflow amount of the capital of the B main body from the A main body to the total inflow amount of the B main body by an adversary, wherein the ratio of the inflow amount of the B main body from the A main body to the B main body in FIG. 1 is

7. The ratio of the outflow times of the main body B to the outflow times of the main body B in FIG. 1 is

8. Calculating the weight of the number of times of fund inflow of the main body B from the main body A by taking the transaction number of the main body A flowing to the main body B as a numerator and the total number of times of inflow of the main body B as a denominator, and measuring the importance of the number of times of fund inflow of the main body B from the main body A to the total number of times of inflow of the main body B, wherein the ratio of the number of times of inflow of the main body B from the main body A to the main body B in FIG. 1 is

Through the calculation of the fund transaction weight, eight indexes are counted for the client node and the counterparty node in the network, and then the fund transaction intimacy degree between two enterprises is calculated according to eight aspects in the fund transaction relation. And under the condition of not considering the weight value:

the intimacy P is 0.125 × (0.5+0.25+0.6+0.33+0.5+0.17+0.5+0.5) ═ 0.41875.

The calculation method of the embodiment can be used for operation risk judgment, when the main body A has bankruptcy and serious default, the intimacy degree of all the main bodies having transaction relation with the main body A is calculated by using the two-main-body intimacy degree calculation method based on fund transaction, and the enterprise with the greater intimacy degree is influenced by the main body A more greatly.

When the A main body has an operation risk, the affected degree can be judged according to the intimacy degree of the A main body. The greater the intimacy, the greater the degree of influence, so the technical scheme of the application can judge the influence between enterprises for money institutions such as banks and the like, and make reference to loan scale, loan duration and the like.

In the method, the device and the storage medium for calculating the main body intimacy degree based on the fund transaction, transaction data of eight aspects including bidirectional outflow amount ratio, inflow amount ratio, outflow frequency ratio and inflow frequency ratio are selected to calculate the fund transaction intimacy degree between two enterprises. The method can accurately obtain the intimacy degree of two enterprises, and can make quantitative data comparison for the mutual influence of the enterprises.

In the embodiment, the influence of the transaction habits on the transaction data is also considered, whether the transaction data is a monthly customer or a quarterly customer is discriminated through the transaction data, and the calculated value is adjusted by judging the transaction habits.

The embodiment also aims to assign weights according to application fields, and provides accuracy of data under specific application fields.

Example 2

The embodiment provides a two-principal affinity calculating device based on fund transaction, which comprises:

a data acquisition module: for obtaining data for obtaining a total amount M of a principal payment transaction A over a period of time₁And total number of times N₁(ii) a Obtaining the total amount M of the A main body collection transaction in the time period₂And total number of times N₂(ii) a Obtaining the amount m of the payment transaction from the A main body to the B main body in the time period₁And number n of times₁(ii) a Obtaining the amount m of the payment transaction from the A main body to the B main body in the time period₂And number n of times₂(ii) a Obtaining the total amount S of the payment transaction of the main body B in the time period₁And total number of times T₁(ii) a Obtaining the total amount S of the main body collection transaction in the time period B₂And total number of times T₂；

A data calculation module: for calculating the following data, calculating the ratio p of the inflow amount of the main body A₁，p₁＝m₂/M₂(ii) a Calculating the ratio p of the outflow amount of the main body A₂，p₂＝m₁/M₁(ii) a Calculating the ratio p of the A main body inflow times₃，p₃＝n₂/N₂(ii) a Calculating the ratio p of the A main body outflow times₄，p₄＝n₁/N₁(ii) a Calculating the ratio p of the inflow amount of the B main body₅，p₅＝m₁/S₂(ii) a Calculating the ratio p of the outflow amount of the main body B₆，p₆＝m₂/S₁(ii) a Calculating the ratio p of the number of B main body inflows₇，p₇＝n₁/T₂(ii) a Calculating the ratio p of the outflow times of the B main body₈，p₈＝n₂/T₁；

A result output module: for calculating the intimacy P ═ w of A and B bodies₁p₁+w₂p₂+w₃p₃+w₄p₄+w₅p₅+w₆p₆+w₇p₇+w₈p₈Wherein w is₁、w₂、w₃、w₄、w₅、w₆、w₇、w₈To adjust the coefficients.

Preferably, when the subject is an enterprise;

acquiring the statistics of the transactions in the time period in a data acquisition module,

if the payment from the A principal to the B principal occurs in every month, 90% of the payment date occurs in one week, and the number of times is 0-2 times per month, the payment form from the A principal to the B principal is determined as monthly payment;

if the payment from the B subject to the A subject occurs every month, 90% of the payment date occurs in one week, and the number of times is 0-2 times per month, the payment form from the B subject to the A subject is determined as monthly payment;

and considering the A subject as the payment season client of the B subject when the following conditions are met:

in the time period, the difference between the date of each payment from the main body B to the main body A to the number of days at the beginning of the quarter is within 7 days, or the difference between the date of each payment and the number of days at the end of the quarter is within 7 days, the payment of each quarter occurs 0-2 times, and the total number of the payments in one year is less than 5 times;

and considering the body B as the payment season client of the body A when the following conditions are met:

in the time period, the difference between the payment date of the main body A to the main body B from the first days of the quarter is within 7 days, or the difference between the payment date of each time and the last days of the quarter is within 7 days, the payment of each quarter occurs 0-2 times, and the total payment times in one year are less than 5 times;

in the result output module, the outflow frequency ratio or the inflow frequency ratio is adjusted according to the payment form from the A main body to the B main body and the payment form from the B main body to the A main body.

Preferably, when the payment form of the A body to the B body is monthly payment or seasonal payment and the payment form of the B body to the A body is not monthly payment or seasonal payment, the ratio of the outflow times of the A body to the inflow times of the B body is adjusted to 1, i.e., P₄＝1，P₇＝1

When the payment form of the B main body to the A main body is monthly payment or seasonal paymentAnd the payment form from the A body to the B body is not monthly payment or seasonal payment, and the ratio of the outflow times of the B body to the inflow times of the A body is adjusted to be 1, namely P₃＝1，P₈＝1；

When the payment form of the A body to the B body is monthly payment or seasonal payment and the payment form of the B body to the A body is monthly payment or seasonal payment, the outflow frequency ratio of the A body, the inflow frequency ratio of the B body, the outflow frequency ratio of the B body and the inflow frequency ratio of the A body are all adjusted to be 1, namely P₃＝1，P₄＝1，P₇＝1，P₈＝1。

Preferably, the result output module sets an adjustment coefficient according to the application scenario, and the adjustment coefficient is w when the result output module is used for evaluating the closeness of settlement transaction₁＝0.125,w₂＝0.125,w₃＝0.125,w₄＝0.125,w₅＝0.125,w₆＝0.125,w₇＝0.125,w₈0.125; when the method is used for evaluating the closeness of the outflow transaction, the adjustment coefficient is w₁＝0,w₂＝0.25,w₃＝0,w₄＝0.25,w₅＝0,w₆＝0.25,w₇＝0,w₈0.25; adjusting the coefficient to w for incoming transaction tightness evaluation₁＝0.25,w₂＝0,w₃＝0.25,w₄＝0,w₅＝0.25,w₆＝0,w₇＝0.25,w₈＝0。

Example 3

The present embodiments provide a computer-readable storage medium having stored thereon one or more instructions adapted to be loaded by a processor and to perform the method of embodiment 1.

In light of the foregoing description of the preferred embodiments according to the present application, it is to be understood that various changes and modifications may be made without departing from the spirit and scope of the invention. The technical scope of the present application is not limited to the contents of the specification, and must be determined according to the scope of the claims.

As will be appreciated by one skilled in the art, embodiments of the present application may be provided as a method, system, or computer program product. Accordingly, the present application may take the form of an entirely hardware embodiment, an entirely software embodiment or an embodiment combining software and hardware aspects. Furthermore, the present application 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 application is described with reference to flowchart illustrations and/or block diagrams of methods, apparatus (systems), and computer program products according to embodiments of the application. 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.