Method and device for determining investment profit and loss of bonds and vouchers

The invention provides a bond and voucher investment profit and loss determination method and device, and the method comprises the steps: receiving a physical settlement service request of a user and an input parameter set, and judging whether the user is a credit protection buyer or a credit protection seller under the condition that a payment mode is determined to be a mode of paying insurance premium per year; if the buyer is a credit protection buyer, respectively inputting the first parameter set into a corresponding voucher income model and a bond income model to respectively obtain a first voucher income and a bond income, and determining first investment profit and loss of the bond and the voucher based on the first voucher income and the bond income; and if the seller is a credit protection seller, inputting the second parameter set into a corresponding voucher income model to obtain a corresponding second voucher income, and determining second investment profit and loss of the bond and the voucher u