Financial Product Management Model and Optimization Based on Service-Oriented Architecture
Yu Huang · 2024
When financial companies undertake different capital banks, they are faced with a variety of personalized constraints, resulting in the failure of loan review, long loan transaction review time and low pass rate. The financial cost decision-making system can control the capital cost of the company by putting the audit limit in front, designing a personalized constraint rule set, improving the audit pass rate and controlling the investment proportion of the capital bank. Financial product portfolio is an important part of financial product management and financial management. This paper studies the model and optimization of financial product portfolio. The objective function of this problem is to maximize the capital output rate of shareholders’ equity, and the decision variables are financial leverage and debt structure. The model and optimization of macro financial products are analyzed and studied. The objective function of this problem is to maximize the profit of shareholders’ net asset value, and the decision variables are financial leverage and debt structure. The construction process of financial product management model and uncertain scenario conditions for optimization is given. Finally, this paper gives a case simulation of the change of financial leverage and the profit of net asset value under different debt structures. According to the actual use of the system, the financial cost decision-making system meets the functional design expectations, effectively solves the bottleneck problem of financial loan transaction process, improves the audit pass rate, shortens the transaction waiting time, and reasonably allocates the capital cost. The system has high reliability and has the ability of service degradation and disaster recovery. It adopts a variety of tools such as fuse, current limiting, monitoring and alarm to ensure the safe and reliable operation of the system, and has good application value.