CN111553676A - Fine management system and method for funds - Google Patents
Fine management system and method for funds Download PDFInfo
- Publication number
- CN111553676A CN111553676A CN202010345682.5A CN202010345682A CN111553676A CN 111553676 A CN111553676 A CN 111553676A CN 202010345682 A CN202010345682 A CN 202010345682A CN 111553676 A CN111553676 A CN 111553676A
- Authority
- CN
- China
- Prior art keywords
- fund
- transfer
- enterprise
- information
- account
- Prior art date
- Legal status (The legal status is an assumption and is not a legal conclusion. Google has not performed a legal analysis and makes no representation as to the accuracy of the status listed.)
- Pending
Links
Images
Classifications
-
- 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
- G06Q20/00—Payment architectures, schemes or protocols
- G06Q20/08—Payment architectures
- G06Q20/10—Payment architectures specially adapted for electronic funds transfer [EFT] systems; specially adapted for home banking systems
-
- 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
- G06Q40/02—Banking, e.g. interest calculation or account maintenance
Abstract
The invention belongs to the technical field of internet computers, and particularly relates to a fund fine management system and a fund fine management method, wherein the system comprises the following steps: the authority setting unit is used for setting corresponding work authorities for different workers according to the post responsibilities; the transfer and transfer unit is used for transferring and transferring funds between the interior of the enterprise and the enterprise, and in the transfer and transfer process, a worker makes or audits a form of transfer and transfer according to the corresponding work authority; and the fund management unit is used for analyzing and counting transfer of funds and other transactions, managing fund transactions and bank accounts and displaying transaction information and a statistical chart. The invention manages the fund transaction, bank account and the like of each enterprise under the group according to the working authority, realizes the management of the fund in the enterprise and the fund management among the enterprises, thereby promoting the fine management of the group fund and establishing a real-time, high-efficiency and standardized whole fund management system.
Description
Technical Field
The invention belongs to the technical field of internet computers, and particularly relates to a fund fine management system and method.
Background
For an enterprise, funds are the life line of the enterprise, and therefore, fund management is particularly important. As society develops, the size of enterprises increases, and a large enterprise may include multiple different departments, a large group company, and a large enterprise may have multiple different industries.
In many existing corporate companies, funds of enterprises under the flag are usually managed independently, and when a corporate needs to count the funds of the enterprises, because the funds of the enterprises are managed independently and bank accounts are numerous, the statistics and analysis of the corporate funds need to consume manpower and time, and the management efficiency is low.
Disclosure of Invention
Aiming at the defects in the prior art, the invention provides a fund fine management system and a fund fine management method, which manage fund transactions, bank accounts and the like of each enterprise under a group according to work authority, realize the management of internal funds of the enterprises and the fund management among the enterprises, further promote the fine management of the group funds and establish a real-time, high-efficiency and normalized overall fund management system.
In a first aspect, the present invention provides a fund refinement management system, including:
the authority setting unit is used for setting corresponding work authorities for different workers according to the post responsibilities;
the transfer and transfer unit is used for transferring and transferring funds between the interior of the enterprise and the enterprise, and in the transfer and transfer process, a worker makes or audits a form of transfer and transfer according to the corresponding work authority;
and the fund management unit is used for analyzing and counting transfer of funds and other transactions, managing fund transactions and bank accounts and displaying transaction information and a statistical chart.
Preferably, the dial transfer unit includes:
the internal allocation module is used for internally allocating the funds in the enterprise, and in the internal allocation process, workers manufacture or examine an internal allocation form according to the corresponding work authority;
and the enterprise transfer module is used for carrying out enterprise transfer on funds among enterprises, and in the enterprise transfer process, workers make or check an enterprise transfer form according to the corresponding work authority.
Preferably, the internal dial module includes:
the system comprises a transfer and dialing sub-module, a verification sub-module and a verification sub-module, wherein the transfer and dialing sub-module is used for acquiring an internal transfer and dialing form for the worker to make a bill and feeding the internal transfer and dialing form back to an internal verifier with verification authority;
the transfer auditing sub-module is used for acquiring transfer auditing information of the internal auditing personnel after the internal auditing personnel audit, transmitting the transfer information to a butted bank system for transferring if the transfer auditing information is passed, and feeding back non-passing information to a staff for making a form if the transfer auditing information is not passed;
and the calling detail submodule is used for counting and displaying the calling detail list.
Preferably, the enterprise transfer module comprises:
the account transfer form making sub-module is used for acquiring an enterprise account transfer form made by a worker and feeding the enterprise account transfer form back to an enterprise auditor with auditing authority;
the transfer auditing submodule is used for acquiring transfer auditing information of the enterprise auditor after the enterprise auditor audits, sending the transfer information to a butted bank system for transfer if the transfer auditing information is passed, and feeding back the information which is not passed to a staff for making a form if the transfer auditing information is not passed;
and the transfer detail submodule is used for counting and displaying the transfer detail list.
Preferably, the fund management unit comprises:
the bank account management module is used for setting and managing bank accounts and displaying account balance information and account flow information of fund transactions to users according to work authority;
and the fund distribution statistical module is used for analyzing and counting the fund transaction of the bank account and displaying an analysis statistical chart to the user.
Preferably, the bank account management module includes:
the account management submodule is used for setting and managing all bank accounts by a manager;
the account balance submodule is used for displaying account balance information in the authority range to a user according to the work authority;
the account flow sub-module is used for displaying the account flow information within the authority range to the user according to the work authority;
and the balance bill reporting sub-module is used for acquiring account balance information and account bill information uploaded by a user for the non-bank-enterprise direct connection account.
Preferably, the fund distribution statistic module comprises:
the fund summarizing submodule is used for counting and displaying the total fund, the bank acceptance and the commercial acceptance of the bank account;
the fund trend submodule is used for counting fund change data of the total fund of the bank account in a period of time and displaying a fund change trend graph;
the plate distribution submodule is used for carrying out classification statistics on the total fund according to the plate category and displaying a plate statistical chart;
and the bank fund submodule is used for carrying out classified statistics on the total fund according to the bank category and displaying a bank statistical chart.
Preferably, the fund refinement management system further comprises a fund plan management unit,
the fund plan management unit is used for comparing the planned expenditure of the fund with the actual expenditure of the fund to obtain fund execution data and predicting shortage and surplus of the fund in a period of time in the future.
Preferably, the fund refinement management system further comprises an investment financing management unit;
the investment financing management unit is used for conducting financing analysis according to fund sources to provide financing adjustment suggestions, conducting investment income analysis according to investment directions and providing investment adjustment suggestions.
In a second aspect, the present invention provides a fund refinement management method, which is suitable for the fund refinement management system in the first aspect, and includes the following steps:
setting corresponding work authorities for different workers according to the post responsibility;
transferring and transferring funds between the interior of an enterprise and the enterprise, and making or checking a form of transferring and transferring accounts by a worker according to the corresponding work authority in the transferring and transferring process;
and analyzing and counting the transfer of funds and other transactions, and displaying transaction information and an analysis and counting chart according to the working authority corresponding to the staff.
According to the technical scheme, the fund transaction, bank accounts and the like of each enterprise under the group are managed according to the work authority, so that the management of the fund in the enterprise is realized, and the fund management among the enterprises is also realized, thereby promoting the fine management of the group fund and establishing a real-time, efficient and standardized integral fund management system.
Drawings
In order to more clearly illustrate the detailed description of the invention or the technical solutions in the prior art, the drawings that are needed in the detailed description of the invention or the prior art will be briefly described below. Throughout the drawings, like elements or portions are generally identified by like reference numerals. In the drawings, elements or portions are not necessarily drawn to scale.
FIG. 1 is a block diagram of a fund refinement management system according to an embodiment;
FIG. 2 is a flowchart of a fund refinement management method according to the present embodiment.
Detailed Description
The technical solutions in the embodiments of the present invention will be clearly and completely described below with reference to the drawings in the embodiments of the present invention, and it is obvious that the described embodiments are some, not all, embodiments of the present invention. All other embodiments, which can be derived by a person skilled in the art from the embodiments given herein without making any creative effort, shall fall within the protection scope of the present invention.
It will be understood that the terms "comprises" and/or "comprising," when used in this specification and the appended claims, specify the presence of stated features, integers, steps, operations, elements, and/or components, but do not preclude the presence or addition of one or more other features, integers, steps, operations, elements, components, and/or groups thereof.
It is also to be understood that the terminology used in the description of the invention herein is for the purpose of describing particular embodiments only and is not intended to be limiting of the invention. As used in the specification of the present invention and the appended claims, the singular forms "a," "an," and "the" are intended to include the plural forms as well, unless the context clearly indicates otherwise.
It should be further understood that the term "and/or" as used in this specification and the appended claims refers to and includes any and all possible combinations of one or more of the associated listed items.
As used in this specification and the appended claims, the term "if" may be interpreted contextually as "when", "upon" or "in response to a determination" or "in response to a detection". Similarly, the phrase "if it is determined" or "if a [ described condition or event ] is detected" may be interpreted contextually to mean "upon determining" or "in response to determining" or "upon detecting [ described condition or event ]" or "in response to detecting [ described condition or event ]".
Example one
The embodiment provides a fund refinement management system, as shown in fig. 1, which includes an authority setting unit, a transfer and transfer unit, a fund management unit, and the like.
The authority setting unit is used for setting corresponding work authorities for different workers according to the post responsibilities;
the transfer and transfer unit is used for transferring and transferring funds between the interior of the enterprise and the enterprise, and in the transfer and transfer process, a worker makes or audits a form of transfer and transfer according to the corresponding work authority;
and the fund management unit is used for analyzing and counting transfer of funds and other transactions, managing fund transactions and bank accounts and displaying transaction information and a statistical chart.
In this embodiment, the staff, such as a group high administration, each enterprise principal, and a fund reporter, and the like, set the work authority for different staff by the manager, for example, the group high administration can check the fund transactions and bank accounts of all the enterprises under the flag, for example, the enterprise principal can check the fund transactions and bank accounts of the local block, for example, the fund reporter can report account balance information and account bill information within the service range, and the like.
The system of the embodiment can be used for fund transfer inside an enterprise and fund transfer outside the enterprise, wherein the transfer and transfer unit comprises an internal transfer module, an enterprise transfer module and the like.
The internal allocation module of this embodiment carries out the internal allocation to the inside fund of enterprise, and at the internal allocation in-process, the staff makes or examines the internal allocation form according to the work authority that corresponds. The internal transfer module specifically comprises a transfer single character module, a transfer auditing submodule and a transfer detail submodule.
And the transfer and dialing sheet submodule is used for acquiring an internal transfer and dialing sheet of the worker making sheet and feeding the internal transfer and dialing sheet back to an internal auditor with audit authority. In this embodiment, a worker enters an internal transfer interface of the system on an intelligent terminal, clicks an "add" button on the interface, displays an internal transfer form on the interface, and after the worker fills in payment information (such as a payment account, a payment account name, an issuer, and the like), collection information (such as a collection account, a collection account name, an issuer, a notification payee, and the like) and transfer information (such as a transfer amount, a transfer purpose, and the like) on the form, clicks a confirmation button, submits the filled internal transfer form to the system, and the system feeds back the internal transfer form to an internal auditor.
And the allocation auditing sub-module is used for acquiring allocation auditing information of the internal auditing personnel after the internal auditing personnel audit, sending the allocation information to a butted bank system for allocation if the allocation auditing information is passed, and feeding back non-passing information to a staff for making the form if the allocation auditing information is not passed. In this embodiment, an internal auditor enters an audit allocation interface of the system on an intelligent terminal, the interface displays a list of a plurality of forms to be audited, and after the internal auditor clicks one of the forms, the internal auditor can see the specific content of the form; if the auditor clicks the 'audit pass' button after the audit suggestion is filled, the transfer audit information is passed, and the bank system is transferred; and if the auditor clicks the 'audit failed' button after the auditor fills in the audit information, the audit information is called as failed, and the failed information is fed back to the staff who make the form. For example, a production department of an enterprise adopts a new production process, so that the production cost is reduced, and the current account balance of the production department is more; the marketing department of the enterprise has the advantages that market competition is intense in the present year, marketing cost is increased, and original prepared funds are insufficient for subsequent continuous market occupation, so that staff of the marketing department apply for internal transfer, a part of funds are transferred from an account of a production department to an account of the marketing department, a financial chief can check the internal transfer, and a bank which is connected with the marketing department after the internal transfer is passed through the checking. And the calling detail submodule is used for counting and displaying the calling detail list.
The enterprise transfer module of this embodiment is used for carrying out enterprise transfer to the fund between the enterprise, and at the enterprise transfer in-process, the staff makes or examines enterprise transfer form according to corresponding work authority. The enterprise transfer module specifically comprises a transfer list making submodule, a transfer auditing submodule and a transfer detail submodule.
And the transfer form making sub-module is used for acquiring the enterprise transfer form made by the staff and feeding the enterprise transfer form back to the enterprise auditor with the audit authority. In this embodiment, a worker enters an enterprise transfer interface of the system on an intelligent terminal, clicks an "add" button on the interface, displays an enterprise transfer form on the interface, and after the worker fills in payment information (such as a payment account number, a payment account name, an issuer, and the like), collection information (such as a collection account number, a collection account name, an issuer, a notification payee, and the like) and transfer information (such as a transfer amount, a transfer purpose, and the like) on the form, clicks a confirmation button, submits the filled enterprise transfer form to the system, and the system feeds the enterprise transfer form back to an enterprise auditor.
And the transfer auditing submodule is used for acquiring transfer auditing information of the enterprise auditor after the enterprise auditor audits, sending the transfer information to a butted bank system for transfer if the transfer auditing information is passed, and feeding back the non-passing information to a staff for making a form if the transfer auditing information is not passed. In the embodiment, an enterprise auditor enters an audit transfer interface of the system on an intelligent terminal, the interface displays a plurality of forms to be audited, and after the enterprise auditor clicks one of the forms, the specific content of the form can be seen; if the auditor clicks the 'audit pass' button after the audit opinions are filled in, the transfer audit information is passed, and the transfer is carried out on the bank system; and if the auditor clicks the 'audit failed' button after filling the audit information, the transfer audit information is failed, and the failure information is fed back to the staff who make the form. If a group has several enterprises: XXX Logistics Co., Ltd., × real estate Co., etc. Because the existing online platforms have more shopping, the logistics limited company cooperates with a plurality of online platforms, the logistics business is better, the account balance which can be circulated by the logistics company is more, the real estate company is just opposite to the real estate company, the real estate is not in the air, the fund is short, and the normal operation can be maintained only by borrowing the fund. Therefore, the financial chief of the real estate applies for enterprise account transfer, a part of funds are transferred from the account of the real estate enterprise to the account of the logistics company, the group carries out auditing at a high level, and the bank which is connected after the auditing is passed carries out the account transfer. And the transfer detail submodule is used for counting and displaying the transfer detail list.
The fund management unit of the embodiment manages transfer and other transactions (such as transactions with upstream merchants, transactions with downstream merchants, and the like), wherein the fund management unit comprises a bank account management module, a fund distribution statistical module, and the like.
The bank account management module of the embodiment is used for setting and managing a bank account and displaying account balance information and account flow information of fund transactions to a user according to work authority. The bank account management module specifically comprises an account management submodule, an account balance submodule, an account flow submodule and a balance bill reporting submodule.
And the account management submodule is used for setting and managing all bank accounts by a manager. The manager can add, delete and modify bank accounts. A group has several enterprises, each with multiple bank accounts.
And the account balance submodule is used for displaying the account balance information in the authority range to the user according to the work authority.
And the account flow sub-module is used for displaying the account flow information within the authority range to the user according to the work authority. If the group high administration can check the bank account balance and the account running information of all enterprises under the group flag, the enterprise responsible person can check the bank account balance and the account running information of the enterprise, and the responsible person of a certain enterprise department can check the bank account balance and the account running information of the department.
And the balance bill reporting sub-module is used for acquiring account balance information and account bill information uploaded by a user for the non-bank-enterprise direct connection account. In this embodiment, for a bank account that is not docked with the system, the relevant transaction information cannot be obtained in time, so that the (transaction) bill information and the account balance information of the bank account need to be uploaded manually.
The fund distribution statistical module of the embodiment is used for analyzing and counting fund transactions of a bank account and displaying an analysis statistical chart to a user. The fund distribution statistical module specifically comprises a fund collection submodule, a fund trend submodule, a plate distribution submodule and a bank fund submodule.
And the fund summarizing submodule is used for counting and displaying the total fund, the bank acceptance and the commercial acceptance of the bank account. In this embodiment, the staff can see the total fund, bank acceptance and business acceptance left by the group or enterprise on the main interface of the system of the intelligent terminal.
And the fund trend submodule is used for counting fund change data of the total fund of the bank account in a period of time and displaying a fund change trend graph. For example, a fund change trend graph of a month, which can be seen by a worker on the main interface of the system of the intelligent terminal, and the total fund of the month and the total fund trend change line thereof can be seen by the worker.
And the plate distribution submodule is used for carrying out classification statistics on the total fund according to the plate category and displaying the plate statistical chart. For example, a group relates to the business of four industries, namely logistics, real estate, catering and movie and television, the funds of the four blocks are respectively counted according to the block types, and the funds of the four blocks are displayed in a chart form. The staff can see the plate statistical chart on the main interface of the system of the intelligent terminal.
And the bank fund submodule is used for carrying out classified statistics on the total fund according to the bank category and displaying a bank statistical chart. For example, bank accounts of a group include several bank accounts of five banks, i.e., a construction bank, an agricultural bank, a business bank, a commercial bank and an industrial and commercial bank, and the funds of the five banks are respectively counted according to the bank categories and displayed in the form of a chart. The staff can see the bank statistical chart on the main interface of the system of the intelligent terminal.
The fund refinement management system of the embodiment also comprises a fund plan management unit; the fund plan management unit is used for comparing the planned expenditure of the fund with the actual expenditure of the fund to obtain fund execution data and predicting shortage and surplus of the fund in a period of time in the future. Thereby providing a data reference for the administrator and assisting the administrator in adjusting the funding policy.
The fund refinement management system further comprises a investment financing management unit; the financing management unit comprises a financing management module and an investment management module;
the financing management module is used for conducting financing analysis according to fund sources to provide financing adjustment suggestions. 1. Enterprise inputs each financing source, quantity, interest rate, cost, etc.; 2. enterprise fund profit and loss prediction data; 3. and (3) butting or collecting financing channels and industry big environment big data (such as financial product information of each financing channel; corresponding industry big event dynamics; such as loosening or tightening financing of XX industry in XX period of national policy; … …). And analyzing and suggesting after the data information is collected: preferably selecting a financing channel according to the financing channel management and the cost analysis, summarizing the group fund amount and improving the financing speaking right; according to the fund gap amount and time, financial product information of other financing channels and corresponding channel cost are matched, and applicable financial products are recommended; and reminding an enterprise manager of the loose and tight conditions of the industrial fund in a period of time in the future according to the industry dynamics, and adjusting fund strategy response in time.
The investment management module is used for making investment income analysis and providing investment adjustment suggestions according to the investment direction. 1. By docking enterprise business and financial system data; 2. enterprise fund profit and loss prediction data; 3. and (3) butting or collecting financial channels and large industrial environment data (such as financing/investment product information of each financial channel, corresponding large event dynamics of the investment industry, such as encouragement and support on the XX industry in the XX period of the national policy, blocked or favorable international trade of import of key raw materials, … …). And analyzing and suggesting after the data information is collected: according to investment direction management and income analysis, the investment direction is optimized, and the investment structure ratio is optimized; according to the fund profit balance and time, corresponding financing/investment product information and risk income of the financial channel are matched, suitable financing/investment products are recommended, and idle funds are utilized to the maximum extent; and according to the industry dynamic, reminding an enterprise manager of the industry change in a period of time in the future, and adjusting the investment structure and the fund ratio in time.
In summary, the system of this embodiment manages the fund transaction, the bank account, the fund plan, the fund raising investment, and the like of each enterprise under the group according to the work authority, thereby realizing the management of the fund inside the enterprise, the fund management between the enterprises, and the fund management of the fund raising investment of the group, promoting the fine management of the group fund, and establishing a real-time, efficient, and standardized overall fund management system.
Example two
The embodiment provides a fund refinement management method, which is suitable for the fund refinement management system according to the first embodiment, and as shown in fig. 2, the method includes the following steps:
s1, setting corresponding work authority for different workers according to the post responsibility;
s2, transferring and transferring funds between the interior of the enterprise and the enterprise, wherein in the transferring and transferring process, a worker makes or audits a form of transferring and transferring funds according to the corresponding work authority;
and S3, analyzing and counting the transfer of funds and other transactions, and displaying transaction information and an analysis and statistics chart according to the corresponding work authority of the staff.
In this embodiment, the staff, such as a group high administration, each enterprise principal, and a fund reporter, and the like, set the work authority for different staff by the manager, for example, the group high administration can check the fund transactions and bank accounts of all the enterprises under the flag, for example, the enterprise principal can check the fund transactions and bank accounts of the local block, for example, the fund reporter can report account balance information and account bill information within the service range, and the like.
The method of the embodiment may implement fund transfer inside the enterprise and fund transfer outside the enterprise, wherein the step S2 includes step S2A and step S2B.
And S2A, carrying out internal allocation on the fund inside the enterprise, and in the internal allocation process, making or checking an internal allocation form by a worker according to the corresponding work authority.
And obtaining an internal transfer form of the order made by the staff, and feeding back the internal transfer form to an internal auditor with audit authority. In this embodiment, a worker enters an internal transfer interface of the system on an intelligent terminal, clicks an "add" button on the interface, displays an internal transfer form on the interface, and after the worker fills in payment information (such as a payment account, a payment account name, an issuer, and the like), collection information (such as a collection account, a collection account name, an issuer, a notification payee, and the like) and transfer information (such as a transfer amount, a transfer purpose, and the like) on the form, clicks a confirmation button, submits the filled internal transfer form to the system, and the system feeds back the internal transfer form to an internal auditor.
And after the internal auditor audits, acquiring allocation audit information of the internal auditor, if the allocation audit information is passed, sending the allocation information to a butted bank system for allocation, and if the allocation audit information is not passed, feeding back the non-passed information to a staff for making a form. In this embodiment, an internal auditor enters an audit allocation interface of the system on an intelligent terminal, the interface displays a list of a plurality of forms to be audited, and after the internal auditor clicks one of the forms, the internal auditor can see the specific content of the form; if the auditor clicks the 'audit pass' button after the audit suggestion is filled, the transfer audit information is passed, and the bank system is transferred; and if the auditor clicks the 'audit failed' button after the auditor fills in the audit information, the audit information is called as failed, and the failed information is fed back to the staff who make the form. For example, a production department of an enterprise adopts a new production process, so that the production cost is reduced, and the current account balance of the production department is more; the marketing department of the enterprise has the advantages that market competition is intense in the present year, marketing cost is increased, and original prepared funds are insufficient for subsequent continuous market occupation, so that staff of the marketing department apply for internal transfer, a part of funds are transferred from an account of a production department to an account of the marketing department, a financial chief can check the internal transfer, and a bank which is connected with the marketing department after the internal transfer is passed through the checking.
And S2B, carrying out enterprise transfer on funds among enterprises, and making or checking an enterprise transfer form by a worker according to the corresponding work authority in the enterprise transfer process.
And obtaining an enterprise transfer form made by the staff, and feeding the enterprise transfer form back to the enterprise auditor with the audit authority. In this embodiment, a worker enters an enterprise transfer interface of the system on an intelligent terminal, clicks an "add" button on the interface, displays an enterprise transfer form on the interface, and after the worker fills in payment information (such as a payment account number, a payment account name, an issuer, and the like), collection information (such as a collection account number, a collection account name, an issuer, a notification payee, and the like) and transfer information (such as a transfer amount, a transfer purpose, and the like) on the form, clicks a confirmation button, submits the filled enterprise transfer form to the system, and the system feeds the enterprise transfer form back to an enterprise auditor.
And after the audit of the enterprise auditor, obtaining the transfer audit information of the enterprise auditor, if the transfer audit information is passed, sending the transfer information to a butted bank system for transferring, and if the transfer audit information is not passed, feeding back the non-passing information to a staff for making the form. In the embodiment, an enterprise auditor enters an audit transfer interface of the system on an intelligent terminal, the interface displays a plurality of forms to be audited, and after the enterprise auditor clicks one of the forms, the specific content of the form can be seen; if the auditor clicks the 'audit pass' button after the audit opinions are filled in, the transfer audit information is passed, and the transfer is carried out on the bank system; and if the auditor clicks the 'audit failed' button after filling the audit information, the transfer audit information is failed, and the failure information is fed back to the staff who make the form. If a group has several enterprises: XXX Logistics Co., Ltd., × real estate Co., etc. Because the existing online platforms have more shopping, the logistics limited company cooperates with a plurality of online platforms, the logistics business is better, the account balance which can be circulated by the logistics company is more, the real estate company is just opposite to the real estate company, the real estate is not in the air, the fund is short, and the normal operation can be maintained only by borrowing the fund. Therefore, the financial chief of the real estate applies for enterprise account transfer, a part of funds are transferred from the account of the real estate enterprise to the account of the logistics company, the group carries out auditing at a high level, and the bank which is connected after the auditing is passed carries out the account transfer.
Step S3 of the present embodiment manages the transfer and other transactions (such as transactions with upstream merchants, downstream merchants, etc.), wherein step S3 includes step S3A and step S3B.
And step S3A, setting and managing bank accounts, and displaying account balance information and account flow information of fund transactions to users according to work authority.
The manager sets up and manages all bank accounts. The manager can add, delete and modify bank accounts. A group has several enterprises, each with multiple bank accounts.
And displaying account balance information and account running information within the authority range to the user according to the work authority. If the group high administration can check the bank account balance and the account running information of all enterprises under the group flag, the enterprise responsible person can check the bank account balance and the account running information of the enterprise, and the responsible person of a certain enterprise department can check the bank account balance and the account running information of the department.
And for the non-bank-enterprise direct connection account, acquiring account balance information and account bill information uploaded by a user. In this embodiment, for a bank account that is not docked with the system, the relevant transaction information cannot be obtained in time, so that the (transaction) bill information and the account balance information of the bank account need to be uploaded manually.
And step S3B, analyzing and counting the fund transaction of the bank account, and displaying an analysis and counting chart to the user.
And counting and displaying the total fund, bank acceptance and commercial acceptance of the bank account. In this embodiment, the staff can see the total fund, bank acceptance and business acceptance left by the group or enterprise on the main interface of the system of the intelligent terminal.
And counting the fund change data of the total fund of the bank account in a period of time, and displaying a fund change trend graph. For example, a fund change trend graph of a month, which can be seen by a worker on the main interface of the system of the intelligent terminal, and the total fund of the month and the total fund trend change line thereof can be seen by the worker.
And carrying out classification statistics on the total funds according to the plate categories, and displaying a plate statistical chart. For example, a group relates to the business of four industries, namely logistics, real estate, catering and movie and television, the funds of the four blocks are respectively counted according to the block types, and the funds of the four blocks are displayed in a chart form. The staff can see the plate statistical chart on the main interface of the system of the intelligent terminal.
And carrying out classification statistics on the total funds according to the bank categories, and displaying a bank statistical chart. For example, bank accounts of a group include several bank accounts of five banks, i.e., a construction bank, an agricultural bank, a business bank, a commercial bank and an industrial and commercial bank, and the funds of the five banks are respectively counted according to the bank categories and displayed in the form of a chart. The staff can see the bank statistical chart on the main interface of the system of the intelligent terminal.
The fund refinement management method further comprises a fund plan management step, and the step specifically comprises the following steps: the projected expenditure of funds is compared to the actual expenditure of funds to obtain execution data for the funds, and shortages and earnings of funds are predicted for a future period of time. Thereby providing a data reference for the administrator and assisting the administrator in adjusting the funding policy.
The fund refinement management method further comprises a financing management step, and the step specifically comprises the following steps: and performing financing analysis according to the fund source to provide financing adjustment suggestions. 1. Enterprise inputs each financing source, quantity, interest rate, cost, etc.; 2. enterprise fund profit and loss prediction data; 3. and (3) butting or collecting financing channels and industry big environment big data (such as financial product information of each financing channel; corresponding industry big event dynamics; such as loosening or tightening financing of XX industry in XX period of national policy; … …). And analyzing and suggesting after the data information is collected: preferably selecting a financing channel according to the financing channel management and the cost analysis, summarizing the group fund amount and improving the financing speaking right; according to the fund gap amount and time, financial product information of other financing channels and corresponding channel cost are matched, and applicable financial products are recommended; and reminding an enterprise manager of the loose and tight conditions of the industrial fund in a period of time in the future according to the industry dynamics, and adjusting fund strategy response in time.
The fund refinement management method further comprises an investment management step, and the investment management step specifically comprises the following steps: and (5) making investment income analysis and providing investment adjustment suggestions according to the investment direction. 1. By docking enterprise business and financial system data; 2. enterprise fund profit and loss prediction data; 3. and (3) butting or collecting financial channels and large industrial environment data (such as financing/investment product information of each financial channel, corresponding large event dynamics of the investment industry, such as encouragement and support on the XX industry in the XX period of the national policy, blocked or favorable international trade of import of key raw materials, … …). And analyzing and suggesting after the data information is collected: according to investment direction management and income analysis, the investment direction is optimized, and the investment structure ratio is optimized; according to the fund profit balance and time, corresponding financing/investment product information and risk income of the financial channel are matched, suitable financing/investment products are recommended, and idle funds are utilized to the maximum extent; and according to the industry dynamic, reminding an enterprise manager of the industry change in a period of time in the future, and adjusting the investment structure and the fund ratio in time.
In summary, the method of the embodiment manages the fund transaction, the bank account, the fund plan, the fund raising investment and the like of each enterprise under the group according to the work authority, realizes the management of the fund inside the enterprise, the fund management among the enterprises and the fund management of the fund raising investment of the group, thereby promoting the fine management of the group fund and establishing a real-time, efficient and standardized overall fund management system.
Those of ordinary skill in the art will appreciate that the various illustrative steps described in connection with the embodiments disclosed herein may be implemented as electronic hardware, computer software, or combinations of both, and have been described generally in terms of their functionality in the foregoing description for clarity of interchangeability of hardware and software. Whether such functionality is implemented as hardware or software depends upon the particular application and design constraints imposed on the implementation. Skilled artisans may implement the described functionality in varying ways for each particular application, but such implementation decisions should not be interpreted as causing a departure from the scope of the present invention.
In the embodiments provided in the present application, it should be understood that the division of the unit or step is only one logical division, and there may be other divisions when the actual implementation is performed, for example, multiple steps may be combined into one step, one step may be split into multiple steps, or some features may be omitted.
Finally, it should be noted that: the above embodiments are only used to illustrate the technical solution of the present invention, and not to limit the same; while the invention has been described in detail and with reference to the foregoing embodiments, it will be understood by those skilled in the art that: the technical solutions described in the foregoing embodiments may still be modified, or some or all of the technical features may be equivalently replaced; such modifications and substitutions do not depart from the spirit and scope of the present invention, and they should be construed as being included in the following claims and description.
Claims (10)
1. A system for fine management of funds, comprising:
the authority setting unit is used for setting corresponding work authorities for different workers according to the post responsibilities;
the transfer and transfer unit is used for transferring and transferring funds between the interior of the enterprise and the enterprise, and in the transfer and transfer process, a worker makes or audits a form of transfer and transfer according to the corresponding work authority;
and the fund management unit is used for analyzing and counting transfer of funds and other transactions, managing fund transactions and bank accounts and displaying transaction information and a statistical chart.
2. The system of claim 1, wherein the transfer unit comprises:
the internal allocation module is used for internally allocating the funds in the enterprise, and in the internal allocation process, workers manufacture or examine an internal allocation form according to the corresponding work authority;
and the enterprise transfer module is used for carrying out enterprise transfer on funds among enterprises, and in the enterprise transfer process, workers make or check an enterprise transfer form according to the corresponding work authority.
3. The fund refinement management system according to claim 2, wherein the internal transfer module comprises:
the system comprises a transfer and dialing sub-module, a verification sub-module and a verification sub-module, wherein the transfer and dialing sub-module is used for acquiring an internal transfer and dialing form for the worker to make a bill and feeding the internal transfer and dialing form back to an internal verifier with verification authority;
the transfer auditing sub-module is used for acquiring transfer auditing information of the internal auditing personnel after the internal auditing personnel audit, transmitting the transfer information to a butted bank system for transferring if the transfer auditing information is passed, and feeding back non-passing information to a staff for making a form if the transfer auditing information is not passed;
and the calling detail submodule is used for counting and displaying the calling detail list.
4. The system of claim 3, wherein the enterprise transfer module comprises:
the account transfer form making sub-module is used for acquiring an enterprise account transfer form made by a worker and feeding the enterprise account transfer form back to an enterprise auditor with auditing authority;
the transfer auditing submodule is used for acquiring transfer auditing information of the enterprise auditor after the enterprise auditor audits, sending the transfer information to a butted bank system for transfer if the transfer auditing information is passed, and feeding back the information which is not passed to a staff for making a form if the transfer auditing information is not passed;
and the transfer detail submodule is used for counting and displaying the transfer detail list.
5. The fund refinement management system according to claim 3, wherein the fund management unit comprises:
the bank account management module is used for setting and managing bank accounts and displaying account balance information and account flow information of fund transactions to users according to work authority;
and the fund distribution statistical module is used for analyzing and counting the fund transaction of the bank account and displaying an analysis statistical chart to the user.
6. The fund refinement management system according to claim 5, wherein the bank account management module comprises:
the account management submodule is used for setting and managing all bank accounts by a manager;
the account balance submodule is used for displaying account balance information in the authority range to a user according to the work authority;
the account flow sub-module is used for displaying the account flow information within the authority range to the user according to the work authority;
and the balance bill reporting sub-module is used for acquiring account balance information and account bill information uploaded by a user for the non-bank-enterprise direct connection account.
7. The fund refinement management system according to claim 6, wherein the fund distribution statistics module comprises:
the fund summarizing submodule is used for counting and displaying the total fund, the bank acceptance and the commercial acceptance of the bank account;
the fund trend submodule is used for counting fund change data of the total fund of the bank account in a period of time and displaying a fund change trend graph;
the plate distribution submodule is used for carrying out classification statistics on the total fund according to the plate category and displaying a plate statistical chart;
and the bank fund submodule is used for carrying out classified statistics on the total fund according to the bank category and displaying a bank statistical chart.
8. The fund refinement management system according to claim 7, further comprising a fund plan management unit,
the fund plan management unit is used for comparing the planned expenditure of the fund with the actual expenditure of the fund to obtain fund execution data and predicting shortage and surplus of the fund in a period of time in the future.
9. The system for fund refinement management according to claim 8, further comprising an investment financing management unit;
the investment financing management unit is used for conducting financing analysis according to fund sources to provide financing adjustment suggestions, conducting investment income analysis according to investment directions and providing investment adjustment suggestions.
10. A method for fund refinement management, which is applied to the fund refinement management system according to any one of claims 1 to 9, and comprises the following steps:
setting corresponding work authorities for different workers according to the post responsibility;
transferring and transferring funds between the interior of an enterprise and the enterprise, and making or checking a form of transferring and transferring accounts by a worker according to the corresponding work authority in the transferring and transferring process;
and analyzing and counting the transfer of funds and other transactions, and displaying transaction information and an analysis and counting chart according to the working authority corresponding to the staff.
Priority Applications (1)
| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| CN202010345682.5A CN111553676A (en) | 2020-04-27 | 2020-04-27 | Fine management system and method for funds |
Applications Claiming Priority (1)
| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| CN202010345682.5A CN111553676A (en) | 2020-04-27 | 2020-04-27 | Fine management system and method for funds |
Publications (1)
| Publication Number | Publication Date |
|---|---|
| CN111553676A true CN111553676A (en) | 2020-08-18 |
Family
ID=72005930
Family Applications (1)
| Application Number | Title | Priority Date | Filing Date |
|---|---|---|---|
| CN202010345682.5A Pending CN111553676A (en) | 2020-04-27 | 2020-04-27 | Fine management system and method for funds |
Country Status (1)
| Country | Link |
|---|---|
| CN (1) | CN111553676A (en) |
Citations (7)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| CN101241586A (en) * | 2007-09-28 | 2008-08-13 | 招商银行股份有限公司 | Cash management system and method |
| CN101504756A (en) * | 2009-03-16 | 2009-08-12 | 阿里巴巴集团控股有限公司 | System and method for implementing capital allocation based on network |
| CN103679960A (en) * | 2012-09-06 | 2014-03-26 | 联多科技（北京）有限公司 | Cash currency unified financial platform |
| CN105069684A (en) * | 2015-07-15 | 2015-11-18 | 北京市燃气集团有限责任公司 | Interconnected information system of financial bank |
| CN106204258A (en) * | 2016-07-22 | 2016-12-07 | 福建节点信息科技有限公司 | A kind of business capital risk moves managing and control system and management-control method |
| CN110555660A (en) * | 2018-05-15 | 2019-12-10 | 上海瑞和财务管理有限公司 | Financial business integrated fund management system |
| CN110942379A (en) * | 2019-11-20 | 2020-03-31 | 国网电子商务有限公司 | High-safety fund classification management system |
-
2020
- 2020-04-27 CN CN202010345682.5A patent/CN111553676A/en active Pending
Patent Citations (7)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| CN101241586A (en) * | 2007-09-28 | 2008-08-13 | 招商银行股份有限公司 | Cash management system and method |
| CN101504756A (en) * | 2009-03-16 | 2009-08-12 | 阿里巴巴集团控股有限公司 | System and method for implementing capital allocation based on network |
| CN103679960A (en) * | 2012-09-06 | 2014-03-26 | 联多科技（北京）有限公司 | Cash currency unified financial platform |
| CN105069684A (en) * | 2015-07-15 | 2015-11-18 | 北京市燃气集团有限责任公司 | Interconnected information system of financial bank |
| CN106204258A (en) * | 2016-07-22 | 2016-12-07 | 福建节点信息科技有限公司 | A kind of business capital risk moves managing and control system and management-control method |
| CN110555660A (en) * | 2018-05-15 | 2019-12-10 | 上海瑞和财务管理有限公司 | Financial business integrated fund management system |
| CN110942379A (en) * | 2019-11-20 | 2020-03-31 | 国网电子商务有限公司 | High-safety fund classification management system |
Similar Documents
| Publication | Publication Date | Title |
|---|---|---|
| CN108090823B (en) | Accounting data management system based on software as a service (SaaS) | |
| US8306851B2 (en) | Automated price management system | |
| Abran et al. | Measurement of the maintenance process from a demand‐based perspective | |
| CN110874718A (en) | Concrete enterprise big data management system | |
| US20090089194A1 (en) | Method and Apparatus for Performing Financial Transactions | |
| US7881535B1 (en) | System and method for managing statistical models | |
| CA2549908A1 (en) | Credit limit recommendation | |
| JP2003532230A (en) | Method, apparatus and computer program for managing an accounting system interface | |
| US20080208780A1 (en) | System and method for evaluating documents | |
| US20030061140A1 (en) | Technology evaluation system and method | |
| CN110288038A (en) | A kind of classification method and device of enterprise | |
| Owers et al. | The informational content and valuation ramifications of earnings restatements | |
| JP2003036346A (en) | Method for evaluating operational risk and its system | |
| CN111553676A (en) | Fine management system and method for funds | |
| US7970711B2 (en) | Warranty management system and method | |
| CN115713335A (en) | Anti-money laundering early warning system | |
| CN115775188A (en) | Asset financial integrated system | |
| CN113674073B (en) | Financial cross-domain fusion statistical statement system | |
| CN114387079A (en) | Supply chain financial service management system and method | |
| JP2003036343A (en) | Method of operational risk management and its system | |
| CN110490664B (en) | Configurable minimum price control method for information system | |
| CN113538118A (en) | Interactive safety bid security model management method and system | |
| Mishra et al. | Imperfect quality certification in lemons markets | |
| CN112613960A (en) | Real estate land increment tax clearing method and system based on bill information | |
| CN107341211B (en) | Service data collection management method and system |
Legal Events
| Date | Code | Title | Description |
|---|---|---|---|
| PB01 | Publication | ||
| PB01 | Publication | ||
| SE01 | Entry into force of request for substantive examination | ||
| SE01 | Entry into force of request for substantive examination |