CN108665367A - Capital Flow management method and device - Google Patents
Capital Flow management method and device Download PDFInfo
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- CN108665367A CN108665367A CN201810494594.4A CN201810494594A CN108665367A CN 108665367 A CN108665367 A CN 108665367A CN 201810494594 A CN201810494594 A CN 201810494594A CN 108665367 A CN108665367 A CN 108665367A
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- G—PHYSICS
- G06—COMPUTING; CALCULATING OR COUNTING
- G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
- G06Q40/00—Finance; Insurance; Tax strategies; Processing of corporate or income taxes
- G06Q40/06—Asset management; Financial planning or analysis
Abstract
A kind of Capital Flow management method of present invention offer and device.The method includes：Predict the user account currently same day Withdrawal Amount at each assets；Predict the user account currently same day recharge amount at each assets；Predict same day repayment amount of the user account at each assets；According to the financial liquidity demand status of user account predict user account different maturity periods the due-in capital of ideal；According to user account same day user's total revenue is obtained in the investment capital in beginning on the same day, the same day Withdrawal Amount of each assets and same day recharge amount；Same day assets total revenue is obtained according to the same day repayment amount of the same day initial due-in capital sum and each assets；The target investment amount that will be compared with the default income of same day platform with the income difference that same day user's total revenue obtains by same day assets total revenue, and obtain to increase newly when same day investment according to comparison result.The method can make operation platform maximum revenue in the case where meeting user's financial liquidity demand.
Description
Technical field
The present invention relates to finance data processing technology fields, in particular to a kind of Capital Flow management method and dress
It sets.
Background technology
Constantly expanding with the capital scale of investment operation platform, the Asset Type of assets end supply is also more abundant,
The operation personnel of operation platform wants the capital management experience by itself to realize that financial liquidity situation and platform are expected to receive
Balance between benefit also becomes more difficult.Currently, operation personnel is mainly basis to the mode that fund is managed daily
The past period user's need for liquidity reserves fund needed for the same day, is invested according to the demand of fund in following a period of time
Different maturity periods assets.During above-mentioned capital management, operation personnel often is ensuring to run because of the limitation of experience
When platform disclosure satisfy that demand of the user to financial liquidity, keep daily reserved fund excessive, so that operation platform obtains
To income be unable to reach maximization effect.
Invention content
In order to overcome above-mentioned deficiency in the prior art, the purpose of the present invention is to provide a kind of Capital Flow management methods
And device, the Capital Flow management method can be precisely controlled the customer investment fund retained daily so that operation
Maximum revenue of the platform in the case where meeting user's financial liquidity demand.
For method, the embodiment of the present invention provides a kind of Capital Flow management method, is applied to server, the method
Including：
Add up Withdrawal Amount data according to history Withdrawal Amount data of the user account at each assets and current point in time,
Same day Withdrawal Amount of the user account currently at each assets is predicted；
According to history recharge amount data and current point in time accumulated recharge amount of the user account at each assets
Data predict same day recharge amount of the user account currently at each assets；
Payment beforehand value data and history payment beforehand gold are put on record according to history of the user account at each assets
Specified number evidence predicts same day repayment amount of the user account at each assets；
According to the user account to the demand status of financial liquidity, to the user account different maturity periods ideal
Due-in capital is predicted；
According to the user account on the investment capital in beginning on the same day, the same day Withdrawal Amount of each assets of prediction and the same day
Same day user's total revenue is calculated in recharge amount；
Same day assets are calculated according to the same day repayment amount of the same day initial due-in capital sum and each assets of prediction
Total revenue；
The income difference that the same day assets total revenue being calculated is subtracted each other with same day user's total revenue was put down with the same day
Platform is preset income and is compared, and the user account is calculated according to comparison result and was thrown according to current capital project on the same day
The target investment amount that need to be increased newly when money.
For device, the embodiment of the present invention provides a kind of Capital Flow managing device, is applied to server, described device
Including：
Withdrawal Amount prediction module, for according to history Withdrawal Amount data of the user account at each assets and it is current when
Between put and add up Withdrawal Amount data, same day Withdrawal Amount of the user account currently at each assets is predicted；
Recharge amount prediction module, for according to history recharge amount data of the user account at each assets and working as
Preceding time point accumulated recharge amount data predict same day recharge amount of the user account currently at each assets；
Repayment amount prediction module, for putting the payment beforehand amount of money on record according to history of the user account at each assets
Data and history payment beforehand value data predict same day repayment amount of the user account at each assets；
Due-in capital prediction module is used for according to the user account to the demand status of financial liquidity, to the use
Family account different maturity periods the due-in capital of ideal predicted；
User's earnings forecast module is used for according to the user account in the investment capital in beginning on the same day, each money of prediction
Same day user's total revenue is calculated in the same day Withdrawal Amount and same day recharge amount of production；
Return on assets prediction module, for being refunded according to the same day of the same day initial due-in capital sum and each assets of prediction
Same day assets total revenue is calculated in the amount of money；
Investment amount prediction module, the same day assets total revenue for will be calculated are subtracted each other with same day user's total revenue
To income difference and same day platform preset income and be compared, and the user account is calculated according to comparison result and is being worked as
The target investment amount that day need to increase newly when being invested according to current capital project.
In terms of existing technologies, Capital Flow management method provided in an embodiment of the present invention and device have with following
Beneficial effect：The Capital Flow management method can be precisely controlled the customer investment fund retained daily so that operation
Maximum revenue of the platform in the case where meeting user's financial liquidity demand.First, the method exists according to user account
History Withdrawal Amount data and current point in time at each assets add up Withdrawal Amount data, to the user account currently each
Same day Withdrawal Amount at assets is predicted.Secondly, the method is filled according to history of the user account at each assets
It is worth value data and current point in time accumulated recharge amount data, the same day of the user account currently at each assets is supplemented with money
The amount of money is predicted.Then, the method puts payment beforehand amount of money number on record according to history of the user account at each assets
According to and history payment beforehand value data, same day repayment amount of the user account at each assets is predicted.Then,
The method according to the user account to the demand status of financial liquidity, to the user account different maturity periods ideal
Due-in capital is predicted.Subsequently, the method according to the user account the same day initial investment capital, prediction it is each
Same day user's total revenue is calculated in the same day Withdrawal Amount and same day recharge amount of assets.Then, the method was according to the same day
Same day assets total revenue is calculated in the same day repayment amount of initial due-in capital sum and each assets of prediction.Finally, described
The income difference and same day platform that method subtracts each other the same day assets total revenue being calculated and same day user's total revenue are pre-
If income is compared, and the user account is calculated when being invested according to current capital project on the same day according to comparison result
The target investment amount that need to be increased newly, to by predicting user account in the same day corresponding same day Withdrawal Amount, same day refund gold
Volume, ideal due-in capital of each time limit, each value data obtained based on prediction be calculated corresponding same day assets total revenue with
Income difference between same day user's total revenue, and pass through the comparison knot between the income difference and the default income of same day platform
Fruit obtains the user account in the revenue amount that ought be increased newly day by day, to calculate same day target investment gold according to current capital project
Volume makes operation platform be invested according to the same day Withdrawal Amount of prediction, same day repayment amount, ideal due-in capital of each time limit and target
When the amount of money is invested, it is default that same day platform can be reached in the case where meeting the financial liquidity demand of the user account
Income achievees the effect that maximum revenue.
To enable the above objects, features and advantages of the present invention to be clearer and more comprehensible, present pre-ferred embodiments cited below particularly,
And coordinate appended attached drawing, it is described in detail below.
Description of the drawings
In order to illustrate the technical solution of the embodiments of the present invention more clearly, below will be to needed in the embodiment attached
Figure is briefly described, it should be understood that the following drawings illustrates only certain embodiments of the present invention, therefore is not construed as pair
The restriction of the claims in the present invention protection domain, for those of ordinary skill in the art, what is do not made the creative labor
Under the premise of, it can also be obtained according to these attached drawings other relevant attached drawings.
Fig. 1 is the block diagram of server provided in an embodiment of the present invention.
Fig. 2 is one of the flow diagram of Capital Flow management method provided in an embodiment of the present invention.
Fig. 3 is the two of the flow diagram of Capital Flow management method provided in an embodiment of the present invention.
Fig. 4 is one of the block diagram of Capital Flow managing device shown in Fig. 1 provided in an embodiment of the present invention.
Fig. 5 is two of the block diagram of Capital Flow managing device shown in Fig. 1 provided in an embodiment of the present invention.
Icon：10- servers；11- memories；12- processors；13- communication units；100- Capital Flow managing devices；
110- Withdrawal Amount prediction modules；120- recharge amount prediction modules；130- repayment amount prediction modules；The due-in capitals of 140- are pre-
Survey module；150- user's earnings forecast module；160- return on assets prediction modules；170- investment amount prediction modules；180- is flat
Platform income configuration module；190- assets proportional arrangement modules.
Specific implementation mode
In order to make the object, technical scheme and advantages of the embodiment of the invention clearer, below in conjunction with the embodiment of the present invention
In attached drawing, technical scheme in the embodiment of the invention is clearly and completely described, it is clear that described embodiment is
A part of the embodiment of the present invention, instead of all the embodiments.The present invention being usually described and illustrated herein in the accompanying drawings is implemented
The component of example can be arranged and be designed with a variety of different configurations.
Therefore, below the detailed description of the embodiment of the present invention to providing in the accompanying drawings be not intended to limit it is claimed
The scope of the present invention, but be merely representative of the present invention selected embodiment.Based on the embodiments of the present invention, this field is common
The every other embodiment that technical staff is obtained without creative efforts belongs to the model that the present invention protects
It encloses.
It should be noted that：Similar label and letter indicate similar terms in following attached drawing, therefore, once a certain Xiang Yi
It is defined, then it further need not be defined and explained in subsequent attached drawing in a attached drawing.
In the description of the present invention, it should be noted that unless otherwise clearly defined and limited, term " first ", " the
Two ", " third " etc. is only used for distinguishing description, is not understood to indicate or imply relative importance.
Below in conjunction with the accompanying drawings, it elaborates to some embodiments of the present invention.In the absence of conflict, following
Feature in embodiment and embodiment can be combined with each other.
Fig. 1 is please referred to, is the block diagram of server 10 provided in an embodiment of the present invention.In the embodiment of the present invention, institute
Stating operation on server 10 has an investment operation platform, and the server 10 is by the investment operation platform to user to application
The capital fund that family account is retained daily carries out being precisely controlled investment, so that the investment operation platform disclosure satisfy that the user
The financial liquidity demand of account, and ensure that the income itself obtained daily reaches same day platform and presets income, realize income most
Bigization.The wherein described server 10 includes Capital Flow managing device 100, memory 11, processor 12 and communication unit 13.Institute
It states memory 11, processor 12 and 13 each element of communication unit to be directly or indirectly electrically connected between each other, to realize number
According to transmission or interaction.For example, these elements can be realized electrically between each other by one or more communication bus or signal wire
Connection.
In the present embodiment, the memory 11 can be used for storing program, and the processor 12 is executed instruction receiving
Afterwards, described program is executed.The communication unit 13 is used to establish the server 10 by network and is logged in user account
Communication connection between client, and pass through the network transceiving data.
In the present embodiment, the Capital Flow managing device 100 include it is at least one can be with software or firmware
(firmware) form is stored in the memory 11 or is solidificated in the operating system (operating of the server 10
System, OS) in software function module.The processor 12 can perform the executable module stored in the memory 11,
Such as software function module included by the Capital Flow managing device 100 and computer program etc..In the present embodiment, institute
State server 10 can by the Capital Flow managing device 100 predict user account the same day corresponding same day Withdrawal Amount,
Same day repayment amount, ideal due-in capital of each time limit, each value data obtained based on prediction are calculated corresponding when Japanese
Produce the income difference between total revenue and same day user's total revenue, and by the income difference and same day platform preset income it
Between comparison result obtain the user account in the revenue amount that ought be increased newly day by day, to calculate the same day according to current capital project
Target investment amount makes operation platform according to the same day Withdrawal Amount of prediction, same day repayment amount, ideal due-in capital of each time limit
And target investment amount can reach in the case where meeting the financial liquidity demand of the user account and work as when being invested
Day platform presets income, achievees the effect that maximum revenue.
It is understood that structure shown in FIG. 1 is only a kind of structural schematic diagram of server 10, the server 10 is also
It may include than shown in Fig. 1 more either less components or with the configuration different from shown in Fig. 1.It is each shown in Fig. 1
Hardware, software, or its combination realization may be used in component.
Fig. 2 is please referred to, is one of the flow diagram of Capital Flow management method provided in an embodiment of the present invention.In this hair
In bright embodiment, the Capital Flow management method is applied to above-mentioned server 10, below to Capital Flow pipe shown in Fig. 2
The detailed process and step of reason method are described in detail.
Step S210 withdraws deposit according to history Withdrawal Amount data of the user account at each assets and current point in time are accumulative
Value data predicts same day Withdrawal Amount of the user account currently at each assets.
In the present embodiment, the history Withdrawal Amount data include that history current Withdrawal Amount data and history periodically carry
Preceding Withdrawal Amount data, the current point in time add up Withdrawal Amount data be corresponding assets on the same day since zero to current
The Withdrawal Amount data added up when predicted time point, then the accumulative Withdrawal Amount data include accumulative current Withdrawal Amount data
And accumulative regular Withdrawal Amount data in advance.History Withdrawal Amount data according to user account at each assets and current
Time point adds up Withdrawal Amount data, the step predicted same day Withdrawal Amount of the user account currently at each assets
Suddenly include：
It is periodically carried in advance in current predictive time point corresponding history current Withdrawal Amount data and history according to each assets
Amount in cash data calculate separately each assets and withdraw deposit with current at current predictive time point corresponding first prediction ratio, and
With the second prediction ratio periodically withdrawn deposit in advance；
According to each assets ratio and accumulative current Withdrawal Amount data prediction are predicted the first of current predictive time point
Obtain the same day current Withdrawal Amount of the assets；
According to each assets ratio and accumulative regular Withdrawal Amount data in advance are predicted the second of current predictive time point
The same day that prediction obtains the assets periodically shifts to an earlier date Withdrawal Amount；
The same day for obtaining each assets periodically expires Withdrawal Amount, and the same day of same assets was periodically expired gold of withdrawing deposit
Volume, same day current Withdrawal Amount and the same day periodically shift to an earlier date Withdrawal Amount and are added, and each assets predicted are current pre-
Survey the same day Withdrawal Amount at time point.
Wherein, the first prediction ratio has predicted ratio with the difference of predicted time point and not with described second
Together, the first prediction ratio is that assets added up current on the same day of corresponding predicted time point and withdraw deposit gold daily in historical time section
Average value between the ratio that volume obtains compared with the same day current of physical record withdraws deposit total amount, such as current predictive time point
For 8 points of morning, the history current Withdrawal Amount data are in the past in 30 days daily using a hour as the predicted time at interval
The accumulative current Withdrawal Amount that is recorded of point, and corresponding practical same day current is withdrawn deposit total amount daily, then in the past 30
Assets daily withdraw deposit total gold in the morning by 8 points of accumulative current Withdrawal Amount divided by the assets actual current on the day of in it
Volume, obtain the assets in historical time section daily in the morning 8 when ratio of withdrawing deposit, number is 30, then assets
The first prediction ratio at 8 points of this current predictive time points is the assets in historical time section when every morning 8 in the morning
Ratio of withdrawing deposit between average value.The second prediction ratio is that assets are corresponding to predicted time point daily in historical time section
The same day ratio that Withdrawal Amount obtains compared with the same day of physical record periodically withdraws deposit total amount in advance in advance accumulative periodically it
Between average value, with it is described first prediction ratio calculating process it is similar, just do not discussed one by one secondary.
Each assets are being calculated after the first prediction ratio at current predictive time point in the server 10, with each assets
Obtained by after the accumulative current Withdrawal Amount data at current predictive time point on the same day divided by the first prediction ratio of Corresponding matching
Numerical value, the same day current Withdrawal Amount of the correspondence assets as prediction.
Each assets are being calculated after the second prediction ratio at current predictive time point in the server 10, with each assets
The institute after the accumulative second prediction ratio for periodically shifting to an earlier date Withdrawal Amount data divided by Corresponding matching at current predictive time point on the same day
The same day of obtained numerical value, the correspondence assets as prediction periodically shifts to an earlier date Withdrawal Amount.
The server 10 was periodically expired Withdrawal Amount by obtaining each assets on the corresponding same day on the same day, and by same money
Periodically expiring on the same day of production, Withdrawal Amount, same day current Withdrawal Amount and the same day, periodically Withdrawal Amount was added in advance, was obtained
Same day Withdrawal Amount of each assets of prediction at current predictive time point.
Step S220, it is accumulative according to history recharge amount data of the user account at each assets and current point in time
Recharge amount data predict same day recharge amount of the user account currently at each assets.
In the present embodiment, the history recharge amount data according to the user account at each assets and it is current when
Between put accumulated recharge amount data, the step of prediction same day recharge amount of the user account currently at each assets
Including：
Each assets are calculated current pre- in current predictive time point corresponding history recharge amount data according to each assets
The third corresponding with supplementing with money for surveying time point predicts ratio；
Third according to each assets at current predictive time point predicts that ratio and accumulated recharge amount data prediction obtain
The same day recharge amount of the assets.
Wherein, the third prediction ratio is that assets are accumulative on the same day of corresponding predicted time point daily in historical time section
Average value between the ratio that recharge amount obtains compared with the same day of physical record supplements total amount with money, specific calculating process with
Above-mentioned first prediction ratio calculating process is similar, is not just discussed one by one secondary.
Each assets are being calculated after the third prediction ratio at current predictive time point in the server 10, with each assets
The obtained number after the accumulated recharge amount data at current predictive time point on the same day divided by the third prediction ratio of Corresponding matching
Value, the same day recharge amount of the correspondence assets as prediction.
Step S230 puts payment beforehand value data on record according to history of the user account at each assets and history carries
Preceding repayment amount data predict same day repayment amount of the user account at each assets.
In the present embodiment, the same day repayment amount includes the same day normal repayment amount and the same day payment beforehand amount of money,
It is described that payment beforehand value data and history payment beforehand amount of money number are put on record according to history of the user account at each assets
Include according to, the step of predicting same day repayment amount of the user account at each assets：
Payment beforehand value data is put on record according to the corresponding history of each assets calculates each assets corresponding same day in advance also
The initial amount of money of money；
Payment beforehand value data is put on record according to the corresponding history of each assets and history payment beforehand value data calculates
It obtains the corresponding payment beforehand difference of the assets and corrects data；
According to the payment beforehand difference of each assets correct data to the initial amount of money of same day payment beforehand of same assets into
Row is corrected, and the same day payment beforehand amount of money of the corresponding prediction of each assets is obtained；
Obtain the same day normal repayment amount of each assets, and by the same day of same assets normal repayment amount and prediction
The same day payment beforehand amount of money is added, and the same day repayment amount of the corresponding prediction of each assets is obtained.
Wherein, the corresponding payment beforehand difference amendment data of each assets are the assets according to daily in historical time section
The set for putting the difference value between payment beforehand value data and practical payment beforehand value data on record, the server 10
Data are corrected according to the payment beforehand difference of each assets to be modified the initial amount of money of same day payment beforehand of same assets, are obtained
The mode of the same day payment beforehand amount of money of the corresponding prediction of each assets can be first more in historical time section to each assets
A difference value carries out mean operation and obtains corresponding difference mean value, is then subtracted with the initial amount of money of same day payment beforehand for corresponding to assets
Go the amount of money numerical value obtained after the corresponding difference mean value of the assets as the same day payment beforehand amount of money of the assets of prediction.
Step S240, according to the user account to the demand status of financial liquidity, to the user account in difference
The due-in capital of ideal in time limit is predicted.
In the present embodiment, the assets for different maturity periods that the server 10 is according in historical time section are in daily corresponding supply
The initial due-in capital number that amount and operation personnel are arranged according to operation experience, is showed according to user by the user account
The due-in capital predicting strategy that the financial liquidity demand status gone out matches, to the user have account different maturity periods reason
Think that due-in capital is predicted.
Step S250, the same day according to the user account in the investment capital in beginning on the same day, each assets of prediction withdraw deposit
Same day user's total revenue is calculated in the amount of money and same day recharge amount.
In the present embodiment, it is described according to the user account in the same day initial investment capital, each assets of prediction
Same day Withdrawal Amount and same day recharge amount are calculated the step of same day user's total revenue and include：
Investment capital by the user account in the beginning on the same day is added institute with the same day recharge amount of each assets of prediction
Obtained amount of the fund subtracts the same day Withdrawal Amount of each assets of prediction, and the user account predicted was in the end of term on the same day
Total investment；
The year earning rate that the total investment that prediction obtains is arranged according to each assets product is calculated into each assets product
Corresponding same day user income；
The corresponding same day user income of each assets product being calculated is added, working as the user account is obtained
Day user's total revenue.
Wherein, the user account the same day initial investment capital be the user account in the same day zero when investment
Principal amount, total investment of the user account in the end of term on the same day are the final time point that the user account was invested on the same day
When investment amount sum.
Capital project corresponding in capital investment to each assets is with each assets to capital fund by the server 10
Fund allocation ratio carry out.The server 10 obtains the user account after the total investment in the end of term on the same day in prediction
Fund distribution can be carried out according to the fund allocation ratio for each assets invested, and based on the year income of each assets product agreement
Rate calculates the corresponding same day user income of each assets product, to obtain the corresponding same day user total revenue of the user account.
Step S260 is calculated according to the same day repayment amount of the same day initial due-in capital sum and each assets of prediction
Same day assets total revenue.
In the present embodiment, described according to the same day initial due-in capital sum and the same day repayment amount of each assets of prediction
The step of same day assets total revenue is calculated include：
The same day of each assets initial due-in capital is subtracted into the same day repayment amount that each assets correspond to prediction, is predicted
The end of term on the same day due-in capital of each assets；
The end of term on the same day due-in capital of each assets obtained according to prediction calculates the same day revenue amount of each assets；
The corresponding same day revenue amount of each assets being calculated is added, same day assets total revenue is obtained.
In the present embodiment, the same day of each assets initial due-in capital is each money of the user account in same day zero
Produce corresponding due-in principal amount, the end of term on the same day due-in capitals of each assets be the user account the same day invest it is last when
Between put when due-in principal amount sum.The server 10 is after obtaining the end of term on the same day due-in capital of each assets, according to each
The year earning rate of assets product agreement calculates the same day revenue amount of each assets.
Step S270, the income difference that the same day assets total revenue being calculated and same day user's total revenue are subtracted each other
Income is preset with same day platform to be compared, and the user account is calculated according to comparison result and was thrown according to current on the same day
Provide the target investment amount that need to be increased newly when formula investing.
In the present embodiment, it is base that the server 10, which corresponds to the income numerical value that operation platform was directly obtained on the same day,
It is calculated in the same day Withdrawal Amount of prediction, same day recharge amount, same day repayment amount, ideal due-in capital correspondence of each time limit
The income difference subtracted each other of same day assets total revenue and same day user's total revenue.It is platform that the same day platform, which presets income,
The maximum gain numerical value being preset in the case where meeting user's financial liquidity demand on the same day, the then service
Device 10 judges the server 10 according to pre- by way of being compared the income difference with the default income of same day platform
The same day Withdrawal Amount of survey, same day recharge amount, same day repayment amount, ideal due-in capital of each time limit carry out assets investment and are obtained
Whether the platform income obtained can achieve the effect that the daily maximum revenue of platform.
In the present embodiment, described that the user account same day is calculated according to current capital project according to comparison result
The step of target investment amount that need to be increased newly when investment includes：
If the income difference presets income not less than the same day platform, the numerical value of the target investment amount is
Zero；
If the income difference, which is less than the same day platform, presets income, income and institute are preset according to the same day platform
State the difference between income difference, ideal due-in capital of each time limit is calculated with the difference of practical due-in capital and current capital project
Obtain corresponding target investment amount.
Wherein, if the income difference not less than the same day platform preset income, show the server 10 with
The same day Withdrawal Amount of prediction, same day recharge amount, same day repayment amount, each due-in capital of ideal according to current capital project into
Same day platform income caused by row investment is in the state of maximum revenue, is invested without newly-increased investment fund, i.e. institute
It is zero to state the target investment amount that the user account same day need to increase newly when being invested according to current capital project.
If the income difference presets income less than the same day platform, show the working as with prediction of the server 10
Day Withdrawal Amount, same day recharge amount, same day repayment amount, ideal due-in capital of each time limit are thrown according to current capital project
Same day platform income is also unable to reach maximized state caused by money, and user account is needed to increase number eligible investment fund newly
It carries out investment ability and ensures that same day platform income reaches maximized state just, the server 10 will be according to the same day platform
Default difference between income and the income difference, the difference of ideal due-in capital of each time limit and practical due-in capital and current
Capital project, which is calculated, can make the income difference be equal to the target investment amount that the same day platform presets income, it is ensured that
The operation platform can be based on the newly-increased target investment amount and original investment when regaining enough funds
Same day platform income when fund is invested according to the fund allocation ratio of each assets in current capital project is not less than the same day
Platform presets income.
Fig. 3 is please referred to, is the two of the flow diagram of Capital Flow management method provided in an embodiment of the present invention.In this hair
In bright embodiment, before the step S210, the Capital Flow management method can also include：
Step S208 presets income to daily platform and configures.
In the present embodiment, operation personnel can plan daily to the operation platform put down according to the income of operation platform current year
Platform is preset income and is configured.
Step S209 configures the corresponding fund allocation ratio of each assets in capital project.
In the present embodiment, the server 10 can be according to the user's choice to each providing in the current capital project of the user
The fund allocation ratio that production is assigned capital fund is configured.
Fig. 4 is please referred to, is that the box of Capital Flow managing device 100 shown in Fig. 1 provided in an embodiment of the present invention shows
One of be intended to.In embodiments of the present invention, the Capital Flow managing device 100 includes Withdrawal Amount prediction module 110, supplements with money
Amount of money prediction module 120, repayment amount prediction module 130, due-in capital prediction module 140, user's earnings forecast module 150,
Return on assets prediction module 160 and investment amount prediction module 170.
The Withdrawal Amount prediction module 110, for the history Withdrawal Amount data according to user account at each assets
And current point in time adds up Withdrawal Amount data, to the user account, currently the same day Withdrawal Amount at each assets carries out in advance
It surveys.
In the present embodiment, the Withdrawal Amount prediction module 110 can execute the step S210 in Fig. 2, specifically hold
Row process can refer to above to the detailed description of step S210.
The recharge amount prediction module 120, for the history recharge amount according to the user account at each assets
Data and current point in time accumulated recharge amount data, to the user account currently the same day recharge amount at each assets into
Row prediction.
In the present embodiment, the recharge amount prediction module 120 can execute the step S220 in Fig. 2, specifically hold
Row process can refer to above to the detailed description of step S220.
The repayment amount prediction module 130, for being put on record in advance according to history of the user account at each assets
Repayment amount data and history payment beforehand value data carry out same day repayment amount of the user account at each assets
Prediction.
In the present embodiment, the repayment amount prediction module 130 can execute the step S230 in Fig. 2, specifically hold
Row process can refer to above to the detailed description of step S230.
The due-in capital prediction module 140 is used for according to the user account to the demand status of financial liquidity, right
The user account different maturity periods the due-in capital of ideal predicted.
In the present embodiment, the due-in capital prediction module 140 can execute the step S240 in Fig. 2, specifically hold
Row process can refer to above to the detailed description of step S240.
User's earnings forecast module 150, for the investment capital according to the user account in the beginning on the same day, prediction
Each assets same day Withdrawal Amount and the same day recharge amount same day user's total revenue is calculated.
In the present embodiment, user's earnings forecast module 150 can execute the step S250 in Fig. 2, specifically hold
Row process can refer to above to the detailed description of step S250.
The return on assets prediction module 160, for according to each assets of the same day initial due-in capital sum and prediction
Same day assets total revenue is calculated in same day repayment amount.
In the present embodiment, the return on assets prediction module 160 can execute the step S260 in Fig. 2, specifically hold
Row process can refer to above to the detailed description of step S260.
The investment amount prediction module 170, the same day assets total revenue for will be calculated always are received with same day user
The income difference that benefit is subtracted each other is preset income with same day platform and is compared, and the user is calculated according to comparison result
The target investment amount that account need to increase newly when being invested according to current capital project on the same day.
In the present embodiment, the investment amount prediction module 170 can execute the step S270 in Fig. 2, specifically hold
Row process can refer to above to the detailed description of step S270.
Fig. 5 is please referred to, is that the box of Capital Flow managing device 100 shown in Fig. 1 provided in an embodiment of the present invention shows
The two of intention.In embodiments of the present invention, the Capital Flow managing device 100 can also include platform income configuration module
180 and assets proportional arrangement module 190.
The platform income configuration module 180 is configured for presetting income to daily platform.
The assets proportional arrangement module 190, for the corresponding fund allocation ratio of each assets in capital project into
Row configuration.
In conclusion in Capital Flow management method provided in an embodiment of the present invention and device, the Capital Flow pipe
Reason method can be precisely controlled the customer investment fund retained daily so that operation platform is meeting user's Capital Flow
Maximum revenue in the case of property demand.First, history Withdrawal Amount of the method according to user account at each assets
Data and current point in time add up Withdrawal Amount data, to the user account currently the same day Withdrawal Amount at each assets into
Row prediction.Secondly, history recharge amount data and current point in time of the method according to the user account at each assets
Accumulated recharge amount data predict same day recharge amount of the user account currently at each assets.Then, described
Method puts payment beforehand value data and history payment beforehand amount of money number on record according to history of the user account at each assets
According to predicting same day repayment amount of the user account at each assets.Then, the method is according to user's account
Number to the demand status of financial liquidity, to the user account different maturity periods the due-in capital of ideal predict.Again so
Afterwards, the method according to the user account the same day initial investment capital, each assets of prediction same day Withdrawal Amount and
Same day user's total revenue is calculated in same day recharge amount.Then, the method is according to the same day initial due-in capital sum and pre-
Same day assets total revenue is calculated in the same day repayment amount for each assets surveyed.Finally, the same day that the method will be calculated
Assets total revenue is preset income with same day platform with the income difference that same day user's total revenue is subtracted each other and is compared, and according to
The target investment amount that the user account need to increase newly when being invested according to current capital project on the same day is calculated in comparison result,
To by predicting user account in the same day corresponding same day Withdrawal Amount, same day repayment amount, ideal due-in capital of each time limit,
The receipts between corresponding same day assets total revenue and same day user's total revenue are calculated based on the obtained each value data of prediction
Beneficial difference, and the comparison result between income is preset by the income difference and same day platform and obtained the user account on the same day
The revenue amount that need to be increased newly makes operation platform according to prediction to calculate same day target investment amount according to current capital project
Same day Withdrawal Amount, same day repayment amount, ideal due-in capital of each time limit and target investment amount when being invested, Neng Gou
Reach same day platform in the case of the financial liquidity demand for meeting the user account and preset income, reaches maximum revenue
Effect.
The foregoing is only a preferred embodiment of the present invention, is not intended to restrict the invention, for the skill of this field
For art personnel, the invention may be variously modified and varied.All within the spirits and principles of the present invention, any made by repair
Change, equivalent replacement, improvement etc., should all be included in the protection scope of the present invention.
Claims (10)
1. a kind of Capital Flow management method, which is characterized in that it is applied to server, the method includes：
According to history Withdrawal Amount data and current point in time accumulative Withdrawal Amount data of the user account at each assets, to institute
Same day Withdrawal Amount of the user account currently at each assets is stated to be predicted；
According to history recharge amount data and current point in time accumulated recharge amount data of the user account at each assets,
Same day recharge amount of the user account currently at each assets is predicted；
Payment beforehand value data and history payment beforehand amount of money number are put on record according to history of the user account at each assets
According to predicting same day repayment amount of the user account at each assets；
According to the user account to the demand status of financial liquidity, to the user account different maturity periods ideal it is due-in
Capital is predicted；
It was supplemented with money on the investment capital in beginning on the same day, the same day Withdrawal Amount of each assets of prediction and the same day according to the user account
Same day user's total revenue is calculated in the amount of money；
Same day assets are calculated according to the same day repayment amount of the same day initial due-in capital sum and each assets of prediction always to receive
Benefit；
The income difference and same day platform that the same day assets total revenue being calculated and same day user's total revenue are subtracted each other are pre-
If income is compared, and the user account is calculated when being invested according to current capital project on the same day according to comparison result
The target investment amount that need to be increased newly.
2. according to the method described in claim 1, it is characterized in that, the history Withdrawal Amount data include history current withdraws deposit
Value data and history periodically shift to an earlier date Withdrawal Amount data, and the accumulative Withdrawal Amount data include accumulative current Withdrawal Amount number
According to and accumulative periodically Withdrawal Amount data in advance, the history Withdrawal Amount data according to user account at each assets and work as
Preceding time point adds up Withdrawal Amount data, is predicted same day Withdrawal Amount of the user account currently at each assets
Step includes：
It is periodically withdrawn deposit in advance gold in current predictive time point corresponding history current Withdrawal Amount data and history according to each assets
Specified number evidence calculates separately each assets and withdraws deposit with current at current predictive time point corresponding first prediction ratio, and with it is fixed
The second prediction ratio that phase withdraws deposit in advance；
It is obtained in the first prediction ratio at current predictive time point and accumulative current Withdrawal Amount data prediction according to each assets
The same day current Withdrawal Amount of the assets；
According to each assets ratio and accumulative regular Withdrawal Amount data prediction in advance are predicted the second of current predictive time point
The same day for obtaining the assets periodically shifts to an earlier date Withdrawal Amount；
The same day for obtaining each assets periodically expires Withdrawal Amount, and by the same day of same assets periodically expire Withdrawal Amount, when
Day current Withdrawal Amount and the same day periodically shift to an earlier date Withdrawal Amount and are added, and each assets predicted are in the current predictive time
The same day Withdrawal Amount of point.
3. according to the method described in claim 1, it is characterized in that, the history according to the user account at each assets
Recharge amount data and current point in time accumulated recharge amount data, fill the same day of the user account currently at each assets
The step of value amount of money is predicted include：
According to each assets when current predictive time point, corresponding history recharge amount data calculated each assets in current predictive
Between put third corresponding with supplementing with money prediction ratio；
Third according to each assets at current predictive time point predicts that ratio and accumulated recharge amount data prediction obtain the money
The same day recharge amount of production.
4. according to the method described in claim 1, it is characterized in that, the same day repayment amount includes the same day normal repayment amount
And the same day payment beforehand amount of money, it is described according to history of the user account at each assets put on record payment beforehand value data and
History payment beforehand value data, the step of predicting same day repayment amount of the user account at each assets, wrap
It includes：
At the beginning of the corresponding same day payment beforehand of each assets of payment beforehand value data calculating being put on record according to the corresponding history of each assets
The beginning amount of money；
Payment beforehand value data is put on record according to the corresponding history of each assets and history payment beforehand value data is calculated
The corresponding payment beforehand difference of the assets corrects data；
Data are corrected according to the payment beforehand difference of each assets to repair the initial amount of money of same day payment beforehand of same assets
Just, the same day payment beforehand amount of money of the corresponding prediction of each assets is obtained；
Obtain the same day normal repayment amount of each assets, and by the same day of same assets normal repayment amount and the same day of prediction
The payment beforehand amount of money is added, and the same day repayment amount of the corresponding prediction of each assets is obtained.
5. according to the method described in claim 1, it is characterized in that, it is described according to the user account the beginning on the same day investment
Capital, prediction each assets same day Withdrawal Amount and same day recharge amount the step of same day user's total revenue is calculated wrap
It includes：
Obtained by investment capital by the user account in the beginning on the same day is added with the same day recharge amount of each assets of prediction
Amount of the fund subtract prediction each assets same day Withdrawal Amount, throwing of the user account predicted in the end of term on the same day
Provide total value；
The year earning rate that the total investment that prediction obtains is arranged according to each assets product is calculated each assets product to correspond to
Same day user's income；
The corresponding same day user income of each assets product being calculated is added, it is daily to obtain working as the user account
Family total revenue.
6. according to the method described in claim 5, it is characterized in that, described according to the same day initial due-in capital sum and prediction
The same day repayment amount of each assets is calculated the step of same day assets total revenue and includes：
The same day of each assets initial due-in capital is subtracted into the same day repayment amount that each assets correspond to prediction, each money predicted
The end of term on the same day due-in capital of production；
The end of term on the same day due-in capital of each assets obtained according to prediction calculates the same day revenue amount of each assets；
The corresponding same day revenue amount of each assets being calculated is added, same day assets total revenue is obtained.
7. according to the method described in claim 6, it is characterized in that, described be calculated the user account according to comparison result
The step of target investment amount that the same day need to increase newly when being invested according to current capital project includes：
If the income difference presets income not less than the same day platform, the numerical value of the target investment amount is zero；
If the income difference, which is less than the same day platform, presets income, income and the receipts are preset according to the same day platform
The ideal due-in capital of difference, each time limit between beneficial difference is calculated with the difference of practical due-in capital and current capital project
Corresponding target investment amount.
8. method according to any one of claims 1-7, which is characterized in that the method further includes：
Income is preset to daily platform to configure；
The corresponding fund allocation ratio of each assets in capital project is configured.
9. a kind of Capital Flow managing device, which is characterized in that be applied to server, described device includes：
Withdrawal Amount prediction module, for the history Withdrawal Amount data and current point in time according to user account at each assets
Accumulative Withdrawal Amount data, predict same day Withdrawal Amount of the user account currently at each assets；
Recharge amount prediction module, for according to history recharge amount data of the user account at each assets and it is current when
Between put accumulated recharge amount data, same day recharge amount of the user account currently at each assets is predicted；
Repayment amount prediction module, for putting payment beforehand value data on record according to history of the user account at each assets
And history payment beforehand value data, same day repayment amount of the user account at each assets is predicted；
Due-in capital prediction module is used for according to the user account to the demand status of financial liquidity, to user's account
Number different maturity periods the due-in capital of ideal predicted；
User's earnings forecast module, for according to the user account in the same day initial investment capital, each assets of prediction
Same day user's total revenue is calculated in same day Withdrawal Amount and same day recharge amount；
Return on assets prediction module, for the same day repayment amount according to the same day initial due-in capital sum and each assets of prediction
Same day assets total revenue is calculated；
Investment amount prediction module, what the same day assets total revenue for will be calculated was subtracted each other with same day user's total revenue
Income difference and same day platform are preset income and are compared, and according to comparison result be calculated the user account the same day by
The target investment amount that need to be increased newly when being invested according to current capital project.
10. device according to claim 9, which is characterized in that described device further includes：
Platform income configuration module is configured for presetting income to daily platform；
Assets proportional arrangement module, for being configured to the corresponding fund allocation ratio of each assets in capital project.
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| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| CN201810494594.4A CN108665367A (en) | 2018-05-22 | 2018-05-22 | Capital Flow management method and device |
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| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| CN201810494594.4A CN108665367A (en) | 2018-05-22 | 2018-05-22 | Capital Flow management method and device |
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Cited By (4)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| CN109670965A (en) * | 2018-11-14 | 2019-04-23 | 平安科技（深圳）有限公司 | Processing method and processing device, storage medium, the computer equipment of funds data |
| CN110930245A (en) * | 2019-12-03 | 2020-03-27 | 中国工商银行股份有限公司 | Data processing method and device, electronic equipment and storage medium |
| CN111127189A (en) * | 2019-12-23 | 2020-05-08 | 支付宝(杭州)信息技术有限公司 | Fluidity prediction system, method and device |
| CN111832806A (en) * | 2020-06-09 | 2020-10-27 | 深圳市融壹买信息科技有限公司 | Prediction method and device of fund flow and terminal equipment |
-
2018
- 2018-05-22 CN CN201810494594.4A patent/CN108665367A/en active Pending
Cited By (4)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| CN109670965A (en) * | 2018-11-14 | 2019-04-23 | 平安科技（深圳）有限公司 | Processing method and processing device, storage medium, the computer equipment of funds data |
| CN110930245A (en) * | 2019-12-03 | 2020-03-27 | 中国工商银行股份有限公司 | Data processing method and device, electronic equipment and storage medium |
| CN111127189A (en) * | 2019-12-23 | 2020-05-08 | 支付宝(杭州)信息技术有限公司 | Fluidity prediction system, method and device |
| CN111832806A (en) * | 2020-06-09 | 2020-10-27 | 深圳市融壹买信息科技有限公司 | Prediction method and device of fund flow and terminal equipment |
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