CN109598621A - A kind of method and apparatus of the determining trust distribution amount of money - Google Patents
A kind of method and apparatus of the determining trust distribution amount of money Download PDFInfo
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Abstract
This application discloses a kind of method and apparatus of determining trust distribution amount of money, this method comprises: acquisition includes at least the trust data of trust corpus, trust interest rate and trust time limit firstly, inputting the operation of trust data in response to user；Then, trust corpus, trust interest rate and trust time limit are inputted into distribution amount of money threshold calculations formula, calculates and obtains distribution amount of money threshold value；Finally, automatically determining some amount of money for being less than or equal to distribution amount of money threshold value as the Target Assignment amount of money based on distribution amount of money threshold value.It can be seen that, the calculating distributes amount of money threshold value to automatically determine the distribution amount of money for being no more than distribution amount of money threshold value, consider the capital progress value-added requirement of follow-up investment for needing to retain after the distribution not less than some amount of money, so that regular quota allocation more specification, safe, accurate, realization, which both standardizes to define, ensures incentive functions by effective family's trust, to promote the business service of family's trust.
Description
Technical field
This application involves financial information technology field more particularly to a kind of method and apparatus of the determining trust distribution amount of money.
Background technique
With the fast development of financial industry, asset management is more and more important, and especially family's trust is more more and more universal.Family
Trust be it is a kind of in the way of trust as superelevation net value personage carry out bona gentilitia risk management, realize wealth planning and succession
Trust business, wherein the trustee of family's trust is individual, and trustee is trust company, and beneficiary is generally this family member.
Family's trust undertakes wealth value preserving and appreciation and ensures the dual function of excitation to family member.Wealth value preserving and appreciation
Premise be invested assets as capital to obtain income, ensure that excitation refers to and fund distribution carried out to beneficiary.Currently, family
Regular quota allocation and actively application distribution two ways are generally supported in money in trust distribution, wherein regular quota allocation one
As be that according to agreement setting or artificially the Flat Amount that is arranged carries out periodic allocation.
Inventor has found that the Flat Amount for being arranged according to agreement or being artificially arranged is more casual in fact
Set-up mode, there is no value-added not less than the progress follow-up investment of the capital of some amount of money in view of needing to retain after the distribution
It is required that causing regular quota allocation not safe enough, accurate, the business service of family's trust is influenced.
Summary of the invention
The method and apparatus that technical problems to be solved in this application are to provide a kind of determining trust distribution amount of money, so that
Regular quota allocation more specification, safe, accurate, realization, which both standardizes, clear ensures excitation function by effective family's trust
Can, to promote the business service of family's trust.
In a first aspect, the embodiment of the present application provides a kind of method of determining trust distribution amount of money, this method comprises:
Trust data are obtained according to the input of trust data, the trust data include at least trust corpus, trust interest rate
With the trust time limit；
According to the trust corpus, the trust interest rate, the trust time limit and distribution amount of money threshold calculations formula, obtain
Distribute amount of money threshold value；
According to the distribution amount of money threshold value, the Target Assignment amount of money is automatically determined, the Target Assignment amount of money is less than or equal to institute
State distribution amount of money threshold value.
Optionally, the trust time limit is greater than default year, and it includes institute that the distribution amount of money threshold calculations formula, which obtains condition,
It states default year and does not distribute the amount of money.
Optionally, described according to the trust corpus, the trust interest rate, the trust time limit and distribution amount of money threshold value meter
Formula is calculated, distribution amount of money threshold value is obtained, comprising:
Under conditions of not distributing the amount of money in the default year, according to the multiple sharp calculation formula of capital and interest final value calculation formula
Obtain the distribution amount of money threshold calculations formula；
It is public that the trust corpus, the trust interest rate and the trust time limit are inputted into the distribution amount of money threshold calculations
Formula obtains the distribution amount of money threshold value.
Optionally, further includes:
Determine that the trust of the corresponding distribution amount of money threshold value distributes number；
Accordingly, described according to the distribution amount of money threshold value, automatically determine the Target Assignment amount of money specifically:
Number is distributed according to the distribution amount of money threshold value and the trust, automatically determines the Target Assignment amount of money.
Optionally, further includes:
Determine the default distribution amount of money weight of the corresponding distribution amount of money threshold value；
Accordingly, described according to the distribution amount of money threshold value, automatically determine the Target Assignment amount of money specifically:
According to the distribution amount of money threshold value and the default distribution amount of money weight, the Target Assignment amount of money is automatically determined.
Optionally, further includes:
Edit operation in response to user to the Target Assignment amount of money obtains the clip distribution amount of money；
Judge whether the clip distribution amount of money is greater than the distribution amount of money threshold value；
If so, determining the edit operation failure；
If it is not, updating the Target Assignment amount of money according to the clip distribution amount of money.
Optionally, after the acquisition distributes amount of money threshold value or the determination edit operation failure, further includes:
Prompt the user with the distribution amount of money threshold value.
Second aspect, the embodiment of the present application provide a kind of device of determining trust distribution amount of money, which includes:
First acquisition unit, for obtaining trust data according to the input of trust data, the trust data are included at least
Trust corpus, trust interest rate and trust time limit；
Obtaining unit, for according to the trust corpus, the trust interest rate, the trust time limit and distribution amount of money threshold value
Calculation formula obtains distribution amount of money threshold value；
First determination unit, for automatically determining the Target Assignment amount of money, the target point according to the distribution amount of money threshold value
It is less than or equal to the distribution amount of money threshold value with the amount of money.
The third aspect, the embodiment of the present application provide a kind of terminal device, which includes processor and storage
Device:
Said program code is transferred to the processor for storing program code by the memory；
The processor is used for described in any item really according to the above-mentioned first aspect of instruction execution in said program code
Determine the method for the trust distribution amount of money.
Fourth aspect, the embodiment of the present application provide a kind of computer readable storage medium, the computer-readable storage medium
Matter is for storing program code, and said program code is for executing the described in any item determining trust allotment moneies of above-mentioned first aspect
The method of volume.
Compared with prior art, the application has at least the following advantages:
Using the technical solution of the embodiment of the present application, firstly, inputting the operation of trust data in response to user, obtain at least
Trust data including trust corpus, trust interest rate and trust time limit；Then, by trust corpus, trust interest rate and trust time limit
Input distribution amount of money threshold calculations formula, calculates and obtains distribution amount of money threshold value；Finally, being automatically determined based on distribution amount of money threshold value
Less than or equal to distribution amount of money threshold value some amount of money as the Target Assignment amount of money.It can be seen that the calculating distribute amount of money threshold value with
Just the distribution amount of money for being no more than distribution amount of money threshold value is automatically determined, it is contemplated that need to retain not less than some amount of money after the distribution
Capital carry out the value-added requirement of follow-up investment so that periodically quota allocation more specification, safe, accurate, realizes that both specification is bright
Incentive functions are really ensured by effective family's trust, to promote the business service of family's trust.
Detailed description of the invention
Technical solution in ord to more clearly illustrate embodiments of the present application, below will be to required in the embodiment of the present application description
Attached drawing to be used is briefly described, it should be apparent that, the accompanying drawings in the following description is only more as described in this application
Embodiment for those of ordinary skill in the art without creative efforts, can also be attached according to these
Figure obtains other attached drawings.
Fig. 1 is system framework schematic diagram involved in application scenarios a kind of in the embodiment of the present application；
Fig. 2 is the flow diagram for the method that a kind of determining trust provided by the embodiments of the present application distributes the amount of money；
Fig. 3 is another flow diagram for determining trust and distributing the method for the amount of money provided by the embodiments of the present application；
Fig. 4 is the structural schematic diagram for the device that a kind of determining trust provided by the embodiments of the present application distributes the amount of money.
Specific embodiment
In order to make those skilled in the art more fully understand application scheme, below in conjunction in the embodiment of the present application
Attached drawing, the technical scheme in the embodiment of the application is clearly and completely described, it is clear that described embodiment is only this
Apply for a part of the embodiment, instead of all the embodiments.Based on the embodiment in the application, those of ordinary skill in the art exist
Every other embodiment obtained under the premise of creative work is not made, shall fall in the protection scope of this application.
At this stage, for superelevation net value personage, family's trust is more more and more universal.Its undertake wealth value preserving and appreciation and
The dual function of excitation is ensured to family member.The premise of wealth value preserving and appreciation be invested assets as capital to obtain income,
It ensures that excitation refers to and fund distribution is carried out to beneficiary.Currently, family's money in trust distribution generally support regular quota allocation with
And actively application distributes two ways, wherein the fixation that regular quota allocation is usually arranged according to agreement setting or artificially
The amount of money carries out periodic allocation.But inventor has found that according to agreement setting or artificially the Flat Amount that is arranged its
It is in fact set-up mode more casual, there is no in view of needing reservation to carry out not less than the capital of some amount of money after the distribution
The value-added requirement of follow-up investment causes regular quota allocation not safe enough, accurate, influences the business service of family's trust.
In order to solve this problem, in the embodiment of the present application, firstly, inputting the operation of trust data in response to user,
Obtain the trust data for including at least trust corpus, trust interest rate and trust time limit；Then, by trust corpus, trust interest rate and
Trust time limit input distribution amount of money threshold calculations formula, calculates and obtains distribution amount of money threshold value；Finally, based on distribution amount of money threshold value,
Some amount of money for being less than or equal to distribution amount of money threshold value is automatically determined as the Target Assignment amount of money.It can be seen that the calculating allotment money
Volume threshold value is no more than the distribution amount of money of distribution amount of money threshold value to automatically determine, it is contemplated that reservation is needed to be not less than after the distribution
The capital of some amount of money carries out the value-added requirement of follow-up investment, so that periodically quota allocation more specification, safe, accurate, realization
Both it standardizes to define and incentive functions is ensured by effective family's trust, to promote the business service of family's trust.
For example, one of the scene of the embodiment of the present application, can be applied in scene as shown in Figure 1.The scene
Including processor 101 and client 102, interaction can communicate between processor 101 and client 102.In response to user
The input operation of trust data is carried out in client 102, processor 101 obtains trust data, institute according to the input of trust data
Trust data are stated including at least trust corpus, trust interest rate and trust time limit；Processor 101 is according to the trust corpus, described
Trust interest rate, the trust time limit and distribution amount of money threshold calculations formula, obtain distribution amount of money threshold value；Processor 101 is according to institute
Distribution amount of money threshold value is stated, the Target Assignment amount of money is automatically determined and is shown to client 102, the Target Assignment amount of money is less than or equal to institute
State distribution amount of money threshold value.
It is understood that in above-mentioned application scenarios, although by the action description of the application embodiment by processor
101 execute, and still, the application is unrestricted in terms of executing subject, move disclosed in the application embodiment as long as performing
Work.
It is understood that above-mentioned scene is only a Sample Scenario provided by the embodiments of the present application, the embodiment of the present application
It is not limited to this scene.
With reference to the accompanying drawing, the method that the trust distribution amount of money is determined in the embodiment of the present application is described in detail by embodiment
With the specific implementation of device.
Illustrative methods
Referring to fig. 2, a kind of flow diagram of the method for the determining trust distribution amount of money in the embodiment of the present application is shown.?
In the present embodiment, the method for example be may comprise steps of:
Step 201: according to the input of trust data obtain trust data, the trust data include at least trust corpus,
Trust interest rate and trust time limit.
It is understood that especially for family's trust business, determining its annual distribution amount of money for trust business
On condition that needing the trusts data such as clear trust corpus, trust interest rate and trust time limit to calculate assignable point of maximum
With the amount of money, avoid needing to retain the capital progress value-added requirement of follow-up investment not less than some amount of money after not considering distribution,
It is not safe enough, accurate to there is a problem of distributing the amount of money every year, therefore, the input operation based on user, available trust corpus,
Trust interest rate and trust time limit.
Wherein, beneficiary's age obtains when beneficiary's age and trust terminate when the trust time limit can be set up by trust.
For example, user is 1000000.00 in the input interface input capital of family's trust business, and interest rate 5%, beneficiary when setting up
Beneficiary is 45 at the age when age is 30 and terminates, then trust corpus is 1000000.00, trust interest rate is 5% and the trust time limit
It is 15 years.
It should be noted that several years ago being distributed without the amount of money since the guarantee excitation premise of family's trust is for setting up, that is,
Do not realize guarantee excitation also several years ago, will be several years ago as default year, then the trust time limit needs to be greater than default year, could be in trust
The time that time limit excludes default year carries out guarantee excitation.Therefore, in some embodiments of the present embodiment, the trust time limit
Greater than default year.
Step 202: according to the trust corpus, the trust interest rate, the trust time limit and distribution amount of money threshold calculations
Formula obtains distribution amount of money threshold value.
It is understood that obtaining trust corpus, trust interest rate in step 201 and after the trust time limit, needing to obtain one
A assignable distribution amount of money of a maximum, that is, the distribution amount of money always, then needs the formula for calculating distribution amount of money threshold value,
That is, distribution amount of money threshold calculations formula.And consider that several years ago (default year) distributes without the amount of money, that is to say, that distributed
The precondition of amount of money threshold calculations formula is to preset not distribute the amount of money in year.Therefore, in some embodiments of the present embodiment,
It includes not distributing the amount of money in the default year that the distribution amount of money threshold calculations formula, which obtains condition,.
It should be noted that not distributed in the trust time limit in the case of the amount of money originally under conditions of not distributing the amount of money in default year
The gross interest of Jin Fuli be equal to the trust time limit exclude to distribute every year in time in default year amount of money threshold value do not distribute final value it
With.Specifically, firstly, distribution amount of money threshold calculations can be obtained based on the multiple sharp calculation formula of capital and interest final value calculation formula
Then formula trust corpus, trust interest rate and trust time limit to be entered in distribution amount of money threshold calculations formula, can calculate
Distribute amount of money threshold value.Therefore, in some embodiments of the present embodiment, the step 202 for example be may comprise steps of:
Step A: under conditions of not distributing the amount of money in the default year, according to the multiple sharp calculation formula of capital and interest final value meter
It calculates formula and obtains the distribution amount of money threshold calculations formula.
It should be noted that the multiple sharp calculation formula of capital is as follows:
FV=PV × (1+i)n；
When default year is 2 years, interest final value calculation formula is as follows:
IV3=S × (1+i)n-2；
IV4=S × (1+i)n-3；
……
IVn-1=S × (1+i)；
IVn=S；
Then FV-PV=IV3+IV4+......+IVn-1+IVn,
It is as follows that distribution amount of money threshold calculations formula is obtained by conversion:
Wherein, FV indicates that trust corpus, PV indicate trust final value, and i indicates that capital interest rate, n indicate the trust time limit, and S is indicated
Distribute amount of money threshold value, IV3、IV4、……、IVn-1And IVnIndicate that the 3rd, 4 ... and the S of n does not distribute final value.
Step B: the trust corpus, the trust interest rate and the trust time limit are inputted into the distribution amount of money threshold value meter
Formula is calculated, the distribution amount of money threshold value is obtained.
For example, the trust corpus that step 202 obtains is 1000000.00, trust interest rate is 5% and the trust time limit is 15 years
When, then FV is 1000000.00, i 5%, n 15, is waited for that S, which is calculated, is into above-mentioned distribution amount of money threshold calculations formula
55051.20。
It should be noted that clearly distributing amount of money threshold after step 202 obtains distribution amount of money threshold value in order to facilitate user
Value, so that user knows that the final distribution amount of money does not exceed the distribution amount of money threshold value, which can be prompted
To user.Therefore, in some embodiments of the present embodiment, after step 202 obtains distribution amount of money threshold value, such as may be used also
To include step C: prompting the user with the distribution amount of money threshold value.
Step 203: according to the distribution amount of money threshold value, automatically determining the Target Assignment amount of money, the Target Assignment amount of money is small
In equal to the distribution amount of money threshold value.
It should be noted that since the beneficiary of family's trust is generally this family member, usually multiple family members,
It then needs to distribute the amount of money to each family member.Specifically, firstly, the corresponding trust distribution number of family's trust should be specified,
And the corresponding trust of distribution amount of money threshold value in step 202 distributes number, then, determines the Target Assignment amount of money in step 203,
The distribution amount of money of each family member is determined based on distribution amount of money threshold value and trust distribution number.For example, it may be being based on trust
Distribution number mean allocation distribution amount of money threshold value obtains the Target Assignment amount of money.Therefore, in some embodiments of the present embodiment,
After step 202, it such as can also include step D: determine that the trust of the corresponding distribution amount of money threshold value distributes number；It is corresponding
Ground, the step 203 are for example specifically as follows: distributing number according to the distribution amount of money threshold value and the trust, automatically determine
The Target Assignment amount of money.
It should be noted that the Target Assignment amount of money is less than or equal to distribution amount of money threshold value, it can be with eligible automatic setting mesh
The mark distribution amount of money can also preset the corresponding distribution amount of money threshold of distribution amount of money weight before the setting Target Assignment amount of money automatically
Value, after step 202 obtains distribution amount of money threshold value, to obtain pre-set distribution amount of money weight plus distribution amount of money threshold
Value obtains the distribution amount of money as the Target Assignment amount of money.Therefore, in some embodiments of the present embodiment, after step 202,
It such as can also include step E: determine the default distribution amount of money weight of the corresponding distribution amount of money threshold value；Accordingly, the step
Rapid 203 are for example specifically as follows: according to the distribution amount of money threshold value and the default distribution amount of money weight, automatically determining the mesh
The mark distribution amount of money.For example, default distribution amount of money weight is 0.8, the product for distributing amount of money threshold value and 0.8 is automatically determined as target
Distribute the amount of money.
It should be noted that step 203 automatically setting the Target Assignment amount of money after, it is understood that there may be user from edlin
The operation of the Target Assignment amount of money of setting, at this time, it may be necessary to which the edit operation based on user obtains the clip distribution amount of money.Due to not
Understand the clip distribution amount of money and distribute the size of amount of money threshold value, the clip distribution amount of money is possible to be greater than distribution amount of money threshold value, compiles
It collects the distribution amount of money to be also possible to be less than distribution amount of money threshold value, is then judged.If the clip distribution amount of money is greater than the distribution amount of money
Threshold value indicates that the clip distribution amount of money alreadys exceed the maximum assignable distribution amount of money, which is not allowed to, then needs really
It delimits the organizational structure and collects an operation failure；If the clip distribution amount of money is greater than distribution, amount of money threshold value table shows that the clip distribution amount of money is less than maximum and can distribute
The distribution amount of money, the situation be allowed embodiment hommization, then edit operation success, specially using the clip distribution amount of money substitute
The Target Assignment amount of money originally forms the new Target Assignment amount of money.Therefore, in some embodiments of the present embodiment, in step
After 203, for example, can with the following steps are included:
Step F: the edit operation in response to user to the Target Assignment amount of money obtains the clip distribution amount of money.
Step G: judging whether the clip distribution amount of money is greater than the distribution amount of money threshold value, if so, step H is executed, if
It is no, execute step I.
Step H: the edit operation failure is determined.
Step I: the Target Assignment amount of money is updated according to the clip distribution amount of money.
Similarly, it should be noted that after step H determines edit operation failure, in order to enable user clearly edits behaviour
The reason of failing is that the clip distribution amount of money alreadys exceed the maximum assignable distribution amount of money, that is, distribution amount of money threshold value, and just
Know that the final Target Assignment amount of money should not be more than distribution amount of money threshold value in user, which can be prompted to
User.It therefore, after the step H, such as can also include step J: Xiang Yong in some embodiments of the present embodiment
Family prompts the distribution amount of money threshold value.
The various embodiments provided through this embodiment obtain firstly, inputting the operation of trust data in response to user
Including at least the trust data of trust corpus, trust interest rate and trust time limit；Then, by trust corpus, trust interest rate and trust
Time limit input distribution amount of money threshold calculations formula, calculates and obtains distribution amount of money threshold value；Finally, based on distribution amount of money threshold value, automatically
Determine some amount of money for being less than or equal to distribution amount of money threshold value as the Target Assignment amount of money.It can be seen that the calculating distributes amount of money threshold
Value is no more than the distribution amount of money of distribution amount of money threshold value to automatically determine, it is contemplated that needs to retain not less than some after the distribution
The capital of the amount of money carries out the value-added requirement of follow-up investment, so that periodically quota allocation more specification, safe, accurate, realization was both advised
Model is clear to ensure incentive functions by effective family's trust, to promote the business service of family's trust.
With reference to the accompanying drawing 3, it is described in detail in the embodiment of the present application in practical applications and is determined by another embodiment
Trust distributes the specific implementation of the method and apparatus of the amount of money.
Referring to Fig. 3, the flow diagram of another method for determining the trust distribution amount of money in the embodiment of the present application is shown.
In the present embodiment, the method for example may comprise steps of:
Step 301: at least the input of trust corpus, trust interest rate and trust time limit being operated in response to user, obtains letter
Hold in the palm capital, trust interest rate and trust time limit.
Step 302: under conditions of not distributing the amount of money in default year, being calculated according to the multiple sharp calculation formula of capital and interest final value
Formula obtains distribution amount of money threshold calculations formula.
Step 303: trust corpus, trust interest rate and trust time limit being inputted into the distribution amount of money threshold calculations formula, obtained
Obtain the distribution amount of money threshold value.
Step 304: distributing number according to distribution amount of money threshold value and trust, automatically determine the Target Assignment amount of money.
Step 305: the edit operation in response to user to the Target Assignment amount of money obtains the clip distribution amount of money.
Step 306: sentencing whether the clip distribution amount of money is greater than distribution amount of money threshold value, if so, step 307 is executed, if it is not, executing
Step step 308.
Step 307: determining that edit operation fails and prompts the user with distribution amount of money threshold value.
Step 308: the Target Assignment amount of money is updated according to the clip distribution amount of money.
The various embodiments provided through this embodiment obtain firstly, inputting the operation of trust data in response to user
Including at least the trust data of trust corpus, trust interest rate and trust time limit；Then, by trust corpus, trust interest rate and trust
Time limit input distribution amount of money threshold calculations formula, calculates and obtains distribution amount of money threshold value；Finally, based on distribution amount of money threshold value, automatically
Determine some amount of money for being less than or equal to distribution amount of money threshold value as the Target Assignment amount of money.It can be seen that the calculating distributes amount of money threshold
Value is no more than the distribution amount of money of distribution amount of money threshold value to automatically determine, it is contemplated that needs to retain not less than some after the distribution
The capital of the amount of money carries out the value-added requirement of follow-up investment, so that periodically quota allocation more specification, safe, accurate, realization was both advised
Model is clear to ensure incentive functions by effective family's trust, to promote the business service of family's trust.
Exemplary means
Referring to fig. 4, a kind of structural schematic diagram of the device of the determining trust distribution amount of money in the embodiment of the present application is shown.?
In the present embodiment, described device for example be can specifically include:
First acquisition unit 401, for obtaining trust data according to the input of trust data, the trust data are at least wrapped
Include trust corpus, trust interest rate and trust time limit；
Obtaining unit 402, for according to the trust corpus, the trust interest rate, the trust time limit and the distribution amount of money
Threshold calculations formula obtains distribution amount of money threshold value；
First determination unit 403, for automatically determining the Target Assignment amount of money, the mesh according to the distribution amount of money threshold value
The mark distribution amount of money is less than or equal to the distribution amount of money threshold value.
Optionally, the trust time limit is greater than default year, and it includes institute that the distribution amount of money threshold calculations formula, which obtains condition,
It states default year and does not distribute the amount of money.
Optionally, the obtaining unit 402 includes that the first acquisition subelement and second obtain subelement:
Described first obtains subelement, under conditions of not distributing the amount of money for the default year, is calculated according to the multiple benefit of capital
Formula and interest final value calculation formula obtain the distribution amount of money threshold calculations formula；
Described second obtains subelement, for inputting the trust corpus, the trust interest rate and the trust time limit
The distribution amount of money threshold calculations formula obtains the distribution amount of money threshold value.
Optionally, described device further include:
Second determination unit, for determining that the trust of the corresponding distribution amount of money threshold value distributes number；
Accordingly, first determination unit 403 is specifically used for:
Number is distributed according to the distribution amount of money threshold value and the trust, automatically determines the Target Assignment amount of money.
Optionally, described device further include:
Third determination unit, for determining the default distribution amount of money weight of the corresponding distribution amount of money threshold value；
Accordingly, first determination unit 403 is specifically used for:
According to the distribution amount of money threshold value and the default distribution amount of money weight, the Target Assignment amount of money is automatically determined.
It is optionally, described further include:
Second acquisition unit obtains clip distribution for the edit operation in response to user to the Target Assignment amount of money
The amount of money；
Judging unit, for judging whether the clip distribution amount of money is greater than the distribution amount of money threshold value, if so, into
Four determination units, if it is not, into updating unit；
4th determination unit, for determining the edit operation failure；
The updating unit, for updating the Target Assignment amount of money according to the clip distribution amount of money.
Optionally, described device further include:
Prompt unit, for prompting the user with the distribution amount of money threshold value.
The various embodiments provided through this embodiment, acquiring unit are used to obtain trust according to the input of trust data
Data, the trust data include at least trust corpus, trust interest rate and trust time limit；Obtaining unit is used for according to the trust
Capital, the trust interest rate, the trust time limit and distribution amount of money threshold calculations formula, obtain distribution amount of money threshold value；First really
Order member is used to automatically determine the Target Assignment amount of money, the Target Assignment amount of money is less than or equal to according to the distribution amount of money threshold value
The distribution amount of money threshold value.It can be seen that the calculating distributes amount of money threshold value to automatically determine and to be no more than distribution amount of money threshold value
Distribute the amount of money, it is contemplated that need to retain the capital progress value-added requirement of follow-up investment not less than some amount of money after the distribution,
So that periodically quota allocation more specification, safe, accurate, realization both standardize clear ensured by effective family's trust and motivate
Function, to promote the business service of family's trust.
Another the embodiment of the present application also provides a kind of terminal device, and the terminal device includes processor and memory:
Said program code is transferred to the processor for storing program code by the memory；
The processor is used for described in any item according to the instruction execution above method embodiment in said program code
Determine the embodiment of the trust distribution amount of money.
In addition, the embodiment of the present application also provides a kind of computer readable storage medium, the computer readable storage medium
For storing program code, said program code is used to execute the described in any item determining trust distribution amount of money of embodiment of the method
Embodiment.
Each embodiment in this specification is described in a progressive manner, the highlights of each of the examples are with other
The difference of embodiment, the same or similar parts in each embodiment may refer to each other.For device disclosed in embodiment
For, since it is corresponded to the methods disclosed in the examples, so being described relatively simple, related place is said referring to method part
It is bright.
Professional further appreciates that, unit described in conjunction with the examples disclosed in the embodiments of the present disclosure
And algorithm steps, can be realized with electronic hardware, computer software, or a combination of the two, in order to clearly demonstrate hardware and
The interchangeability of software generally describes each exemplary composition and step according to function in the above description.These
Function is implemented in hardware or software actually, the specific application and design constraint depending on technical solution.Profession
Technical staff can use different methods to achieve the described function each specific application, but this realization is not answered
Think beyond scope of the present application.
It should be noted that, in this document, relational terms such as first and second and the like are used merely to a reality
Body or operation are distinguished with another entity or operation, are deposited without necessarily requiring or implying between these entities or operation
In any actual relationship or order or sequence.The terms "include", "comprise" or its any other variant are intended to non-row
His property includes, so that the process, method, article or equipment for including a series of elements not only includes those elements, and
And further include other elements that are not explicitly listed, or further include for this process, method, article or equipment institute it is intrinsic
Element.In the absence of more restrictions, the element limited by sentence "including a ...", it is not excluded that including institute
State in the process, method, article or equipment of element that there is also other identical elements.
The above is only the preferred embodiment of the application, not makes any form of restriction to the application.Though
Right the application has been disclosed in a preferred embodiment above, however is not limited to the application.It is any to be familiar with those skilled in the art
Member, in the case where not departing from technical scheme ambit, all using the methods and technical content of the disclosure above to the application
Technical solution makes many possible changes and modifications or equivalent example modified to equivalent change.Therefore, it is all without departing from
The content of technical scheme, any simple modification made to the above embodiment of the technical spirit of foundation the application are equal
Variation and modification, still fall within technical scheme protection in the range of.
Claims (10)
1. a kind of method of the determining trust distribution amount of money characterized by comprising
Trust data are obtained according to the input of trust data, the trust data include at least trust corpus, trust interest rate and letter
Hold in the palm the time limit；
According to the trust corpus, the trust interest rate, the trust time limit and distribution amount of money threshold calculations formula, distributed
Amount of money threshold value；
According to the distribution amount of money threshold value, the Target Assignment amount of money is automatically determined, the Target Assignment amount of money is less than or equal to described point
With amount of money threshold value.
2. the method according to claim 1, wherein the trust time limit is greater than default year, the distribution amount of money
It includes not distributing the amount of money in the default year that threshold calculations formula, which obtains condition,.
3. the method according to claim 1, wherein described according to the trust corpus, the trust interest rate, institute
Trust time limit and distribution amount of money threshold calculations formula are stated, distribution amount of money threshold value is obtained, comprising:
Under conditions of not distributing the amount of money in the default year, obtained according to the multiple sharp calculation formula of capital and interest final value calculation formula
The distribution amount of money threshold calculations formula；
The trust corpus, the trust interest rate and the trust time limit are inputted into the distribution amount of money threshold calculations formula, obtained
Obtain the distribution amount of money threshold value.
4. the method according to claim 1, wherein further include:
Determine that the trust of the corresponding distribution amount of money threshold value distributes number；
Accordingly, described according to the distribution amount of money threshold value, automatically determine the Target Assignment amount of money specifically:
Number is distributed according to the distribution amount of money threshold value and the trust, automatically determines the Target Assignment amount of money.
5. the method according to claim 1, wherein further include:
Determine the default distribution amount of money weight of the corresponding distribution amount of money threshold value；
Accordingly, described according to the distribution amount of money threshold value, automatically determine the Target Assignment amount of money specifically:
According to the distribution amount of money threshold value and the default distribution amount of money weight, the Target Assignment amount of money is automatically determined.
6. the method according to claim 1, wherein further include:
Edit operation in response to user to the Target Assignment amount of money obtains the clip distribution amount of money；
Judge whether the clip distribution amount of money is greater than the distribution amount of money threshold value；
If so, determining the edit operation failure；
If it is not, updating the Target Assignment amount of money according to the clip distribution amount of money.
7. the method according to claim 1, wherein being distributed described in amount of money threshold value or the determination in the acquisition
After edit operation failure, further includes:
Prompt the user with the distribution amount of money threshold value.
8. a kind of device of the determining trust distribution amount of money characterized by comprising
First acquisition unit, for obtaining trust data according to the input of trust data, the trust data include at least trust
Capital, trust interest rate and trust time limit；
Obtaining unit, for according to the trust corpus, the trust interest rate, the trust time limit and distribution amount of money threshold calculations
Formula obtains distribution amount of money threshold value；
First determination unit, for automatically determining the Target Assignment amount of money, the Target Assignment gold according to the distribution amount of money threshold value
Volume is less than or equal to the distribution amount of money threshold value.
9. a kind of terminal device, which is characterized in that the terminal device includes processor and memory:
Said program code is transferred to the processor for storing program code by the memory；
The processor is used for according to the described in any item determining trusts of instruction execution claim 1-7 in said program code
The method for distributing the amount of money.
10. a kind of computer readable storage medium, which is characterized in that the computer readable storage medium is for storing program generation
Code, the method that said program code requires the described in any item determining trust distribution amount of money of 1-7 for perform claim.
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| CN201811489537.3A CN109598621A (en) | 2018-12-06 | 2018-12-06 | A kind of method and apparatus of the determining trust distribution amount of money |
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| CN201811489537.3A CN109598621A (en) | 2018-12-06 | 2018-12-06 | A kind of method and apparatus of the determining trust distribution amount of money |
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Cited By (1)
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| CN113112351A (en) * | 2021-05-13 | 2021-07-13 | 中航信托股份有限公司 | Verification method and device of wind control model |
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