CN114997933A - Asset valuation method and device, storage medium and electronic device - Google Patents

Abstract

Embodiments of the present invention provide an asset valuation method and device, a storage medium, and an electronic device. The method includes: when valuing a target asset, determining a reference asset from a case library, wherein the case library is used to store the historically valued assets and the valuation parameters of the historically valued assets, and obtain the target assets and adjustment coefficients in the table of Adjustment score corresponding to each adjustment parameter, wherein, the adjustment coefficient table includes the adjustment weight corresponding to each adjustment parameter. According to the adjustment weight and adjustment score of each adjustment parameter in the adjustment coefficient table, the valuation adjustment coefficient of the target asset is obtained , and calculate the target valuation of the target asset according to the valuation adjustment coefficient of the target asset and the valuation parameters of the reference asset. Therefore, the problem of low flexibility of asset valuation operations in related technologies can be solved, and the effect of improving the flexibility of asset valuation operations can be achieved.

Description

Asset valuation method and device, storage medium, electronic device

technical field

Embodiments of the present invention relate to the field of computer technologies, and in particular, to an asset valuation method and device, a storage medium, and an electronic device.

Background technique

At present, banks mainly use external valuation, such as entrusting a third-party institution to value foreclosed assets. Since the valuation methods used by each institution are different, in order to obtain the valuation results obtained by using a relatively uniform valuation method, it is necessary to select the valuation institution when entrusting the valuation institution, but because the valuation The process is not visible, so there is no guarantee that the valuation will be the same. Moreover, the way of entrusting valuation agencies to carry out valuation usually cannot be carried out in real time, resulting in that the timeliness of asset valuation cannot be guaranteed. When the current asset valuation process is not visible, the valuation method cannot be guaranteed to be consistent, and the parameters used in the valuation process cannot be adjusted according to the actual situation, making the valuation operation less flexible.

SUMMARY OF THE INVENTION

Embodiments of the present invention provide an asset valuation method and device, a storage medium, and an electronic device, so as to at least solve the problem of low flexibility of asset valuation operations in the related art.

According to an embodiment of the present invention, an asset valuation method is provided, which includes: when valuing a target asset, determining a reference asset from a case library, wherein the case library is used to store historical valuation assets and Valuation parameters of the above-mentioned historically valued assets; obtain the adjustment scores corresponding to each adjustment parameter in the above-mentioned target asset and adjustment coefficient table, wherein the above-mentioned adjustment coefficient table includes the adjustment weight corresponding to each of the above-mentioned adjustment parameters; according to the above adjustment The above-mentioned adjustment weight and the above-mentioned adjustment score of each of the above-mentioned adjustment parameters in the coefficient table are used to obtain the valuation adjustment coefficient of the above-mentioned target asset; and the above-mentioned target asset is calculated according to the above-mentioned valuation adjustment coefficient of the target asset and the valuation parameter of the above-mentioned reference asset. target valuation.

In an exemplary embodiment, when valuing the target asset, determining a reference asset from a case library includes: acquiring asset information of the target asset; searching the case library for asset information similar to the target asset in the above-mentioned case library The above-mentioned historical valuation assets corresponding to the valuation parameters with the highest similarity of the above-mentioned asset information are determined as the above-mentioned reference assets.

In an exemplary embodiment, acquiring the adjustment score corresponding to each adjustment parameter in the target asset and the adjustment coefficient table includes: determining asset information of the target asset and the valuation parameter of the reference asset associated with the adjustment parameter. ; Compare the asset information of the above-mentioned target asset and the valuation parameter of the above-mentioned reference asset, and obtain the above-mentioned adjustment score corresponding to the above-mentioned adjustment parameter, wherein, the above-mentioned adjustment score is a relative score based on the reference score of the above-mentioned reference asset .

In an exemplary embodiment, the valuation adjustment coefficient of the target asset is obtained according to the adjustment weight and the adjustment score of the adjustment parameters in the adjustment coefficient table, including: the adjustment weight and the adjustment score of the adjustment parameters. The above adjustment score is weighted and calculated to obtain the evaluation adjustment score; the ratio of the above evaluation adjustment score to the above reference score is calculated to obtain the above evaluation adjustment coefficient.

In an exemplary embodiment, calculating the target valuation of the target asset according to the valuation adjustment coefficient of the target asset and the valuation parameter of the reference asset, comprising: extracting the target weight of the target asset from a valuation table. The replacement cost and the reference replacement cost and reference valuation of the above-mentioned reference assets, wherein, the above-mentioned valuation table is used to record the parameters related to the calculation of the above-mentioned target valuation; In the case of zero, calculate the ratio of the above target replacement cost and the above reference replacement cost to obtain the reset parameter; calculate the product of the above reference estimate, the above reset parameter and the above estimate adjustment coefficient to obtain the above target estimate.

In an exemplary embodiment, calculating the target valuation of the target asset according to the valuation adjustment coefficient of the target asset and the valuation parameter of the reference asset, including: between the target replacement cost and the reference replacement cost When there is a zero value in , calculate the product of the above reference estimate and the above estimate adjustment coefficient to obtain the above target estimate.

In an exemplary embodiment, before calculating the target valuation of the target asset according to the valuation adjustment coefficient of the target asset and the valuation parameter of the reference asset, the method further includes: identifying according to the parameters in the valuation table , extract relevant parameters from the asset information of the above-mentioned target asset and the valuation parameters of the above-mentioned reference asset, and fill the above-mentioned relevant parameters into the above-mentioned valuation table; determine and generate each value in the valuation information table according to the asset information of the above-mentioned target asset The valuation information is used to generate the above-mentioned valuation information table corresponding to the above-mentioned target asset, wherein the above-mentioned valuation information table is used to interpret the valuation of the above-mentioned target asset.

According to another embodiment of the present invention, an asset valuation apparatus is provided, comprising: a determination unit, configured to determine a reference asset from a case library when valuing a target asset, wherein the above case library is used for storing historically valued assets and the valuation parameters of the above-mentioned historically-valued assets; an obtaining unit for obtaining the respective adjustment scores corresponding to each adjustment parameter in the above-mentioned target asset and adjustment coefficient table, wherein the above-mentioned adjustment coefficient table includes each of the above-mentioned adjustment points. the adjustment weights corresponding to the adjustment parameters; the adjustment unit is used for obtaining the valuation adjustment coefficient of the target asset according to the adjustment weight and the adjustment score of the adjustment parameters in the adjustment coefficient table; the calculation unit is used for The target valuation of the target asset is obtained by calculating the valuation adjustment coefficient of the target asset and the valuation parameters of the above-mentioned reference asset.

According to yet another embodiment of the present invention, a computer-readable storage medium is also provided, and a computer program is stored in the computer-readable storage medium, wherein the computer program is configured to execute any one of the above methods when running steps in the examples.

According to yet another embodiment of the present invention, there is also provided an electronic device comprising a memory and a processor, wherein the memory stores a computer program, the processor is configured to run the computer program to execute any of the above Steps in Method Examples.

Through the present invention, the reference asset is determined from the case base when valuing the target asset, wherein the case base is used to store the historical valuation asset and the valuation parameters of the historical valuation asset, and obtain the target asset and the adjustment coefficient. The adjustment scores corresponding to each adjustment parameter in the table, wherein, the adjustment coefficient table includes the adjustment weight corresponding to each adjustment parameter. According to the adjustment weight and adjustment score of each adjustment parameter in the adjustment coefficient table, the valuation of the target asset is obtained Adjustment coefficient: According to the valuation adjustment coefficient of the target asset and the valuation parameters of the reference asset, the target valuation of the target asset can be calculated, and the valuation adjustment can be made through the adjustment coefficient table when each asset is valued. , so that the asset valuation can be visibly adjusted according to the actual situation of the asset, increasing the flexibility of the valuation operation. Therefore, the problem of low flexibility of asset valuation operations in related technologies can be solved, and the effect of improving the flexibility of asset valuation operations can be achieved.

Description of drawings

1 is a block diagram of a hardware structure of a computer terminal for running an asset valuation method according to an embodiment of the present invention;

2 is a flowchart of an asset valuation method according to an embodiment of the present invention;

Fig. 3 is the management flow chart of the case base in the asset valuation method of the embodiment of the present invention;

4 is a flowchart of an asset valuation method according to an embodiment of the present invention;

FIG. 5 is a structural block diagram of an asset valuation apparatus according to another embodiment of the present invention.

Detailed ways

Hereinafter, embodiments of the present invention will be described in detail with reference to the accompanying drawings and in conjunction with the embodiments.

It should be noted that the terms "first", "second" and the like in the description and claims of the present invention and the above drawings are used to distinguish similar objects, and are not necessarily used to describe a specific sequence or sequence.

The method embodiments provided in the embodiments of this application may be executed in a mobile terminal, a computer terminal, or a similar computing device. Taking running on a computer terminal as an example, FIG. 1 is a block diagram of a hardware structure of a computer terminal running an asset valuation method according to an embodiment of the present invention. As shown in FIG. 1 , the computer terminal may include one or more (only one is shown in FIG. 1 ) processors 102 (the processors 102 may include but are not limited to a microprocessor (Central Processing Unit, MCU) or a programmable logic device) (Field Programmable Gate Array, FPGA) and other processing devices) and a memory 104 for storing data, wherein the computer terminal may further include a transmission device 106 and an input and output device 108 for communication functions. Those of ordinary skill in the art can understand that the structure shown in FIG. 1 is only a schematic diagram, which does not limit the structure of the above-mentioned computer terminal. For example, the computer terminal may also include more or fewer components than shown in FIG. 1 , or have a different configuration than that shown in FIG. 1 .

The memory 104 can be used to store computer programs, for example, software programs and modules of application software, such as the computer programs corresponding to the subject behavior authority control method in the embodiment of the present invention. Executing various functional applications and data processing implements the above-mentioned methods. Memory 104 may include high-speed random access memory, and may also include non-volatile memory, such as one or more magnetic storage devices, flash memory, or other non-volatile solid-state memory. In some instances, memory 104 may further include memory located remotely from processor 102, which may be connected to a computer terminal through a network. Examples of such networks include, but are not limited to, the Internet, an intranet, a local area network, a mobile communication network, and combinations thereof.

Transmission means 106 are used to receive or transmit data via a network. The specific example of the above-mentioned network may include a wireless network provided by the communication provider of the computer terminal. In one example, the transmission device 106 includes a network adapter (Network Interface Controller, NIC for short), which can be connected to other network devices through a base station so as to communicate with the Internet. In one example, the transmission device 106 may be a radio frequency (Radio Frequency, RF for short) module, which is used to communicate with the Internet in a wireless manner.

Fig. 2 is a flowchart of an asset valuation method according to an embodiment of the present invention. As shown in Fig. 3, the flowchart includes the following steps:

Step S202, when valuing the target asset, determine a reference asset from a case library, wherein the case library is used to store historically valued assets and valuation parameters of the historically valued assets;

Step S204, obtaining the adjustment scores corresponding to each adjustment parameter in the target asset and the adjustment coefficient table, wherein the adjustment coefficient table includes the adjustment weight corresponding to each adjustment parameter;

Step S206, obtaining the valuation adjustment coefficient of the target asset according to the adjustment weight and adjustment score of each adjustment parameter in the adjustment coefficient table;

Step S208: Calculate the target valuation of the target asset according to the valuation adjustment coefficient of the target asset and the valuation parameter of the reference asset.

The target asset is not limited to any asset to be valued, and the asset type is not limited here, and can be any type of asset. The historically valued assets stored in the case database are the assets whose valuation has been determined in historical time and the valuation parameters of each historically valued asset. Valuation parameters are not limited to information data related to asset valuation.

The adjustment coefficient table is not limited to a table used to determine the adjustment coefficient of the asset to be valued, and the adjustment coefficient table includes a plurality of adjustment parameters and adjustment weights corresponding to each adjustment parameter. By adjusting the adjustment weights of the parameters to be flexibly adjusted for the assets to be valued, it is possible to realize the visual adjustment of the weights of the adjustment parameters for the assets to be valued, so as to obtain the adjustment weights of the adjustment parameters matching the assets to be valued. The adjustment score determined by comparing the valuation asset with the reference asset is used to determine the valuation adjustment coefficient of the asset to be valued.

The valuation of the asset to be valued is determined based on the valuation adjustment coefficient and the valuation parameters of the reference asset, not limited to determining the valuation based on the reference asset and the valuation adjustment coefficient based on the target asset to be valued and the target parameter information of the reference asset. The calculation method for calculating the target valuation of the target asset. When the target parameter information belongs to different parameter ranges, different calculation methods are used to calculate the valuation of the asset to be valued.

In the above-mentioned embodiment of the present invention, when valuing the target asset, the reference asset is determined from the case library, wherein the case library is used to store the historically valued assets and the valuation parameters of the historically valued assets. The adjustment score corresponding to each adjustment parameter in the target asset and adjustment coefficient table, wherein the adjustment coefficient table includes the adjustment weight corresponding to each adjustment parameter, and according to the adjustment weight and adjustment score of each adjustment parameter in the adjustment coefficient table, get The valuation adjustment coefficient of the target asset. According to the valuation adjustment coefficient of the target asset and the valuation parameters of the reference asset, the target valuation of the target asset can be calculated. When valuing each asset, the adjustment coefficient can be used in a targeted manner. The valuation adjustment is carried out on the table, so that the asset valuation can be visually adjusted according to the actual situation of the asset, and the flexibility of the valuation operation is increased. Therefore, the problem of low flexibility of asset valuation operations in related technologies can be solved, and the effect of improving the flexibility of asset valuation operations can be achieved.

In an exemplary embodiment, when valuing the target asset in step S202, the reference asset is determined from the case library, including:

S202-1, obtain the asset information of the target asset;

S202-2, search the case database for valuation parameters similar to the asset information of the target asset;

S202-3: Determine the historical valuation asset corresponding to the valuation parameter with the highest asset information similarity as the reference asset.

The asset information of the target asset is not limited to the information data related to the target asset and valuation. According to the asset information, the historical valuation asset that is most similar to the target asset is found in the case database to determine the reference asset.

Searching for the most similar valuation parameters in the case database according to the asset information is not limited to sorting the importance of multiple information data included in the asset information, and then searching for the valuation parameters according to each information data in turn, thereby synthesizing multiple The similarity between the information data and the valuation parameters determines the valuation parameters with the highest similarity to the asset information.

In the case where the evaluation parameter includes multiple parameters, it is not limited to comparing the information data and the evaluation parameter having a corresponding relationship to determine the similarity between the information data and the evaluation parameter. Determining historical valuation assets as reference assets through valuation parameters is not limited to determining historical valuation assets corresponding to the most similar valuation parameters according to the number of valuation parameters whose similarity exceeds a preset similarity threshold. The above are examples only, and other methods of determining reference assets from historically valued assets are also applicable.

After the valuation of the target asset is determined, it is not limited to store the target asset as a new case in the case library in the case library. The historically valued assets stored in the case library are not limited to include the effective state and the ineffective state. When the historically valued assets are in the effective state, they can be determined as reference assets, and when the historically valued assets are in the ineffective state, they cannot be determined as reference assets. assets. Whether or not the historical valuation assets are processed and become effective is not limited to whether they have been approved or not. The management of the case database takes the new case as an example, and the process is not limited to that shown in Figure 3. S31, initiate a deposit application to the valuation case database; S32, add a new valuation case to the valuation case database; S33, maintain the valuation case information; S34, save and submit for approval; S35, approve the case, and the case takes effect.

The valuation cases stored in the case library are not limited to the form of tables, and the case table in the case library is not limited to those shown in Table 1.

Table 1

In an exemplary embodiment, step S204 obtains the adjustment score corresponding to each adjustment parameter in the target asset and adjustment coefficient table, including:

S204-1, determine the asset information of the target asset associated with the adjustment parameter and the valuation parameter of the reference asset;

S204-2, compare the asset information of the target asset with the valuation parameters of the reference asset, and obtain an adjustment score corresponding to the adjustment parameter, wherein the adjustment score is a relative score based on the reference score of the reference asset.

The adjustment score is determined according to the asset information of the target asset and the valuation parameters of the reference asset. It is not limited to setting the reference score corresponding to the reference asset. According to the parameter meaning of each adjustment parameter in the adjustment coefficient table, the target related to the adjustment parameter is obtained. The asset information of the asset and the valuation parameter of the reference asset, and by comparing the asset information and the valuation parameter, the adjustment score of the target asset relative to the reference score of the reference asset is determined. The adjustment score is a relative score based on the reference score. In order to facilitate the determination of the adjustment score, it is not limited to set the reference score as a fixed score, such as ten points, so as to determine the target asset based on the valuation parameters of the reference asset. The score of the corresponding asset information. Determining the score of the corresponding asset information of the target asset based on the valuation parameters of the reference asset is not limited to determining the adjustment score within the preset score range, and the preset score range is not limited to the score determined according to the reference score scope.

The adjustment parameters are divided into major categories and sub-categories belonging to the major categories. The adjustment parameter table is not limited to those shown in Table 2.

Table 2

The weights in Table 2 above are only examples and can be adjusted according to different assets to be valued. The sum of the above weights is equal to 100%, and the range of score entry is set for the score, so that each score of the asset to be valued conforms to the score range, not limited to when the score is not within the score range, refuse to enter and The prompt is invalid.

In an exemplary embodiment, step S206 obtains the valuation adjustment coefficient of the target asset according to the adjustment weight and adjustment score of each adjustment parameter in the adjustment coefficient table, including: weighting the adjustment weight and adjustment score of each adjustment parameter Calculate to obtain the evaluation adjustment score; calculate the ratio of the evaluation adjustment score to the reference score to obtain the evaluation adjustment coefficient.

The weighted sum calculation of each adjustment weight and the corresponding adjustment score is performed to obtain the evaluation adjustment score, and the evaluation adjustment coefficient is obtained by calculating the ratio of the evaluation adjustment score to the reference score. The valuation adjustment factor is not limited to any numerical format such as decimals, fractions, and percentages.

Taking the score range of each adjustment score as 0-200% of the reference score and the reference score as 10 as an example, the estimated adjustment coefficient determined according to the adjustment parameter table is not limited to those shown in Table 3.

table 3

When calculating the adjustment coefficient, it is not limited to calculating the numerical value of the preset format and the preset precision.

In an exemplary embodiment, before calculating the target valuation of the target asset according to the valuation adjustment coefficient of the target asset and the valuation parameter of the reference asset, the method further includes:

S101, according to the parameter identification in the valuation table, extract relevant parameters from the asset information of the target asset and the valuation parameters of the reference asset, and fill the relevant parameters into the valuation table;

S102: Determine and generate each valuation information in the valuation information table according to the asset information of the target asset, and generate a valuation information table corresponding to the target asset, wherein the valuation information table is used to interpret the valuation of the target asset.

The valuation information table is used to interpret and supplement the valuation parameters involved in the valuation process of the target asset to be valued, so that the relevant information of the target asset to be valued is in the form of a table during the valuation process. for visual display. The information data in the valuation information table is not limited to the asset information data of the target asset to be valued and the data generated during the valuation process. The valuation information table is not limited to those shown in Table 4.

Table 4

In an exemplary embodiment, step S208 calculates and obtains the target valuation of the target asset according to the valuation adjustment coefficient of the target asset and the valuation parameter of the reference asset, including:

S208-1, extracting the target replacement cost of the target asset and the reference replacement cost and reference valuation of the reference asset from the valuation table, wherein the valuation table is used to record parameters related to the calculation of the target valuation;

S208-2, in the case that both the target replacement cost and the reference replacement cost are not zero, calculate the ratio of the target replacement cost and the reference replacement cost to obtain the reset parameter;

S208-3: Calculate the product of the reference valuation, the reset parameter and the valuation adjustment coefficient to obtain the target valuation.

The valuation table is not limited to record parameters related to the target valuation calculation of the target asset, and is not limited to at least including the reference valuation of the reference asset, the reference replacement cost, and the target replacement cost of the target asset. The valuation adjustment factor related to the target valuation calculation of the target asset is obtained through the adjustment factor table.

The valuation table is not limited to those shown in Table 5.

table 5

In an exemplary embodiment, step S208 calculates and obtains the target valuation of the target asset according to the valuation adjustment coefficient of the target asset and the valuation parameter of the reference asset, including: there is zero in the target replacement cost and the reference replacement cost value, calculate the product of the reference valuation and the valuation adjustment factor to obtain the target valuation.

The valuation calculation method of the target asset is not limited to determining whether the target replacement cost and the reference replacement cost are zero. Target valuation = reference valuation * target replacement cost / reference replacement cost * valuation adjustment factor. In the case where there is a zero value in the target replacement cost and the reference replacement cost, the target valuation = reference valuation * valuation adjustment factor.

The process of asset valuation is not limited to that shown in Figure 4. S41, determine the target asset to be valued. It is not limited to perform valuation on the assets indicated by the valuation application when the valuation application is received, so as to determine the asset indicated by the valuation application as the target asset. S42, select a reference asset. Select the reference asset from the case library as the target asset valuation. S43, obtaining an adjustment coefficient table. S44, determine the adjustment weight and adjustment score of each adjustment parameter in the adjustment coefficient table. The adjustment weight of each adjustment parameter in the adjustment coefficient table is adjusted, and the adjustment score is the score corresponding to the target asset determined according to the target asset and the reference asset. S45, calculate the adjustment coefficient. According to the adjustment weight and adjustment score of each adjustment parameter in the adjustment coefficient table, the adjustment coefficient corresponding to the target asset is calculated. S46, obtain calculation parameters from the evaluation table. Obtain the parameters for calculating the target valuation from the valuation table: reference valuation, reference replacement cost, target replacement cost. S47, calculate and obtain the target estimate. According to the calculation method of the target valuation, the target valuation of the target asset is calculated.

In the embodiment of the present application, the valuation parameters used for asset valuation are visually displayed through the adjustment coefficient table and the valuation table, and the adjustment weights of the adjustment parameters in the adjustment coefficient table are adjusted in an adjustable way, so that the adjustment weights are adjusted. Matching with the target assets, the adjustment parameters can be configurable, thereby simplifying the valuation process, reducing the limitations of valuation operations, and improving the flexibility of asset valuation operations.

From the description of the above embodiments, those skilled in the art can clearly understand that the method according to the above embodiment can be implemented by means of software plus a necessary general hardware platform, and of course can also be implemented by hardware, but in many cases the former is better implementation. Based on this understanding, the technical solutions of the present invention can be embodied in the form of software products that are essentially or contribute to the prior art, and the computer software products are stored in a storage medium (such as read-only memory/random access). The memory (Read-Only Memory/Random Access Memory, ROM/RAM), magnetic disk, CD-ROM) includes several instructions to make a terminal device (which can be a mobile phone, a computer, a server, or a network device, etc.) to execute the present invention The methods described in the various examples.

In this embodiment, an asset valuation apparatus is also provided, and the apparatus is used to implement the above-mentioned embodiment and preferred implementation manner, and the description will not be repeated here. As used below, the term "module" may be a combination of software and/or hardware that implements a predetermined function. Although the apparatus described in the following embodiments is preferably implemented in software, implementations in hardware, or a combination of software and hardware, are also possible and contemplated.

FIG. 5 is a structural block diagram of an asset valuation apparatus according to an embodiment of the present invention. As shown in FIG. 5 , the apparatus includes:

A determination unit 502, configured to determine a reference asset from a case library when valuing the target asset, wherein the case library is used to store historically valued assets and valuation parameters of the historically valued assets;

The obtaining unit 504 is configured to obtain the adjustment score corresponding to each adjustment parameter in the target asset and the adjustment coefficient table, wherein the adjustment coefficient table includes the adjustment weight corresponding to each adjustment parameter;

Adjustment unit 506, configured to obtain the valuation adjustment coefficient of the target asset according to the adjustment weight and adjustment score of each adjustment parameter in the adjustment coefficient table;

The calculation unit 508 is configured to calculate and obtain the target valuation of the target asset according to the valuation adjustment coefficient of the target asset and the valuation parameter of the reference asset.

Optionally, the above-mentioned determining unit 502 is further configured to obtain asset information of the target asset; search the case library for a valuation parameter similar to the asset information of the target asset; The value asset is determined as the reference asset.

Optionally, the above-mentioned obtaining unit 504 is further configured to determine the asset information of the target asset associated with the adjustment parameter and the valuation parameter of the reference asset; Adjusted score, where the adjusted score is a relative score based on the reference score of the reference asset.

Optionally, the above-mentioned adjustment unit 506 is further configured to perform weighted calculation on the adjustment weight and adjustment score of each adjustment parameter to obtain an evaluation adjustment score; calculate the ratio of the evaluation adjustment score to the reference score to obtain an evaluation adjustment. coefficient.

Optionally, the above calculation unit 508 is further configured to extract the target replacement cost of the target asset and the reference replacement cost and reference valuation of the reference asset from the valuation table, wherein the valuation table is used to record and calculate the target valuation. Relevant parameters; when both the target replacement cost and the reference replacement cost are not zero, calculate the ratio of the target replacement cost and the reference replacement cost to obtain the replacement parameters; calculate the reference estimate, the replacement parameter and the estimate The product of the value adjustment coefficients to obtain the target estimate.

Optionally, the above calculation unit 508 is further configured to calculate the product of the reference valuation and the valuation adjustment coefficient to obtain the target valuation when there is a zero value in the target replacement cost and the reference replacement cost.

In addition to all the modules shown in FIG. 5, the device also includes a generating unit, which is used for calculating the target valuation of the target asset according to the valuation adjustment coefficient of the target asset and the valuation parameters of the reference asset. The parameter identification in the table, extract relevant parameters from the asset information of the target asset and the valuation parameters of the reference asset, and fill the relevant parameters into the valuation table; determine and generate each item in the valuation information table according to the asset information of the target asset For the valuation information, a valuation information table corresponding to the target asset is generated, wherein the valuation information table is used to interpret the valuation of the target asset.

In the above-mentioned embodiment of the present invention, when valuing the target asset, the reference asset is determined from the case library, wherein the case library is used to store the historically valued assets and the valuation parameters of the historically valued assets. The adjustment score corresponding to each adjustment parameter in the target asset and adjustment coefficient table, wherein the adjustment coefficient table includes the adjustment weight corresponding to each adjustment parameter, and according to the adjustment weight and adjustment score of each adjustment parameter in the adjustment coefficient table, get The valuation adjustment coefficient of the target asset. According to the valuation adjustment coefficient of the target asset and the valuation parameters of the reference asset, the target valuation of the target asset can be calculated. When valuing each asset, the adjustment coefficient can be used in a targeted manner. The valuation adjustment is carried out on the table, so that the asset valuation can be visually adjusted according to the actual situation of the asset, and the flexibility of the valuation operation is increased. Therefore, the problem of low flexibility of asset valuation operations in related technologies can be solved, and the effect of improving the flexibility of asset valuation operations can be achieved.

It should be noted that the above modules can be implemented by software or hardware, and the latter can be implemented in the following ways, but not limited to this: the above modules are all located in the same processor; or, the above modules can be combined in any combination The forms are located in different processors.

Embodiments of the present invention further provide a computer-readable storage medium, where a computer program is stored in the computer-readable storage medium, wherein the computer program is configured to execute the steps in any of the above method embodiments when running.

In an exemplary embodiment, the above-mentioned computer-readable storage medium may include, but is not limited to, a USB flash drive, a read-only memory (Read-Only Memory, referred to as ROM for short), and a random access memory (Random Access Memory, referred to as RAM for short) , mobile hard disk, magnetic disk or CD-ROM and other media that can store computer programs.

An embodiment of the present invention also provides an electronic device, comprising a memory and a processor, where a computer program is stored in the memory, and the processor is configured to run the computer program to execute the steps in any of the above method embodiments.

In an exemplary embodiment, the above-mentioned electronic device may further include a transmission device and an input-output device, wherein the transmission device is connected to the above-mentioned processor, and the input-output device is connected to the above-mentioned processor.

For specific examples in this embodiment, reference may be made to the examples described in the foregoing embodiments and exemplary implementation manners, and details are not described herein again in this embodiment.

Obviously, those skilled in the art should understand that the above-mentioned modules or steps of the present invention can be implemented by a general-purpose computing device, which can be centralized on a single computing device, or distributed in a network composed of multiple computing devices On the other hand, they can be implemented in program code executable by a computing device, so that they can be stored in a storage device and executed by the computing device, and in some cases, can be performed in a different order than shown here. Or the described steps, or they are respectively made into individual integrated circuit modules, or a plurality of modules or steps in them are made into a single integrated circuit module to realize. As such, the present invention is not limited to any particular combination of hardware and software.

The above descriptions are only preferred embodiments of the present invention, and are not intended to limit the present invention. For those skilled in the art, the present invention may have various modifications and changes. Any modification, equivalent replacement, improvement, etc. made within the principle of the present invention shall be included within the protection scope of the present invention.

Claims (10)

1. An asset valuation method, comprising: When valuing the target asset, a reference asset is determined from a case library, wherein the case library is used to store historically valued assets and valuation parameters of the historically valued assets; obtaining the respective adjustment scores corresponding to each adjustment parameter in the target asset and the adjustment coefficient table, wherein the adjustment coefficient table includes the respective adjustment weights corresponding to the respective adjustment parameters; Obtain the valuation adjustment coefficient of the target asset according to the adjustment weight and the adjustment score of the respective adjustment parameters in the adjustment coefficient table; The target valuation of the target asset is calculated according to the valuation adjustment coefficient of the target asset and the valuation parameter of the reference asset. 2. The method according to claim 1, wherein, when valuing the target asset, determining the reference asset from the case library, comprising: Obtain asset information of the target asset; Searching in the case database for a valuation parameter similar to the asset information of the target asset; The historical valuation asset corresponding to the valuation parameter with the highest similarity in the asset information is determined as the reference asset. 3. The method according to claim 1, wherein obtaining the respective adjustment scores corresponding to each adjustment parameter in the target asset and adjustment coefficient table, comprising: determining asset information of the target asset and valuation parameters of the reference asset associated with the adjustment parameters; Comparing the asset information of the target asset and the valuation parameter of the reference asset, the adjustment score corresponding to the adjustment parameter is obtained, wherein the adjustment score is the reference score of the reference asset. The relative score of the benchmark. 4. The method according to claim 3, wherein, according to the adjustment weight and the adjustment score of the respective adjustment parameters in the adjustment coefficient table, the valuation adjustment coefficient of the target asset is obtained, include: Weighted calculation is performed on the adjustment weight and the adjustment score of each adjustment parameter to obtain an evaluation adjustment score; Calculate the ratio of the evaluation adjustment score to the reference score to obtain the evaluation adjustment coefficient. 5. The method according to claim 2, wherein calculating the target valuation of the target asset according to the valuation adjustment coefficient of the target asset and the valuation parameter of the reference asset, comprising: The target replacement cost of the target asset, the reference replacement cost of the reference asset, and the reference valuation are extracted from a valuation table, wherein the valuation table is used to record parameters related to the calculation of the target valuation ; Under the condition that neither the target replacement cost nor the reference replacement cost is zero, calculate the ratio of the target replacement cost to the reference replacement cost to obtain a reset parameter; Calculate the product of the reference estimate, the reset parameter and the estimate adjustment coefficient to obtain the target estimate. 6. The method according to claim 5, wherein calculating the target valuation of the target asset according to the valuation adjustment coefficient of the target asset and the valuation parameter of the reference asset, comprising: In the case where there is a zero value in the target replacement cost and the reference replacement cost, the product of the reference estimate and the estimate adjustment coefficient is calculated to obtain the target estimate. 7. The method according to claim 5, characterized in that, before calculating the target valuation of the target asset according to the valuation adjustment coefficient of the target asset and the valuation parameter of the reference asset, the method further comprises: : According to the parameter identification in the valuation table, extract relevant parameters from the asset information of the target asset and the valuation parameters of the reference asset, and fill the relevant parameters into the valuation table; Determine and generate each valuation information in the valuation information table according to the asset information of the target asset, and generate the valuation information table corresponding to the target asset, wherein the valuation information table is used to The valuation of the target asset is interpreted. 8. An asset valuation device, comprising: a determining unit, configured to determine a reference asset from a case library when valuing the target asset, wherein the case library is used to store historically valued assets and valuation parameters of the historically valued assets; an acquiring unit, configured to acquire the respective adjustment scores corresponding to the respective adjustment parameters in the target asset and the adjustment coefficient table, wherein the adjustment coefficient table includes the respective adjustment weights corresponding to the respective adjustment parameters; an adjustment unit, configured to obtain a valuation adjustment coefficient of the target asset according to the adjustment weight and the adjustment score of the respective adjustment parameters in the adjustment coefficient table; A calculation unit, configured to calculate and obtain the target valuation of the target asset according to the valuation adjustment coefficient of the target asset and the valuation parameter of the reference asset. 9. A computer-readable storage medium, wherein a computer program is stored in the computer-readable storage medium, wherein the computer program is configured to execute any one of the claims 1 to 7 when running the method described. 10. An electronic device comprising a memory and a processor, wherein a computer program is stored in the memory, and the processor is configured to run the computer program to execute any one of claims 1 to 7 method described in.

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