CN112541813A - Bond batch interest-metering method and device - Google Patents
Bond batch interest-metering method and device Download PDFInfo
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Abstract
The invention discloses a method and a device for batch interest calculation of bonds, wherein the method comprises the following steps: aiming at different financial products in different types of financial assets, acquiring full bond positions and total calculated interest information of each financial product through accounting elements of different bonds contained in each financial product; screening the full-amount bond taken positions of each financial product, and reserving target bond taken positions of different bonds contained in each financial product; acquiring the current balance interest of the principal bond of different bonds contained in each financial product; calculating the total interest amount which each bond contained in each financial product should be charged according to the current balance of the principal bond interest and the target bond position of the different bonds contained in each financial product; the current daily interest points for each financial product are calculated. The method and the device are suitable for different bonds contained in different financial products, and the efficiency of batch interest calculation of the bonds is improved.
Description
Technical Field
The invention relates to the technical field of computers, in particular to a method and a device for batch interest calculation of bonds.
Background
This section is intended to provide a background or context to the embodiments of the invention that are recited in the claims. The description herein is not admitted to be prior art by inclusion in this section.
The accounting system of the securities investment fund is to collect, arrange and process accounting information in the related fund investment operation process, accurately record the fund asset change condition and timely provide accounting data and accounting reports to the relevant parties. Bonds are important types of assets invested and held by securities investment funds, while bond interest calculations are an essential part of bond valuation accounting, and bond interest is required to be paid daily and credited to receivable or interest-bearing assets according to the full liability occurrence scheme.
The complexity of accounting system bond interest function can be set forth from multiple dimensions. Firstly, from the dimension of product types, an accounting system needs to account a plurality of product types such as funds, insurance, financing, national social security, basic endowment and the like in the country, and corresponding subject codes and subject elements have great difference aiming at different products. Second, from the financial asset dimension, the financial assets can be traded, offered for sale, held to due financial assets for different financing, social security, insurance products, while for domestic funds, bonds relating to financial asset assets are not classified. Finally, the bond types are divided into closing bonds, national bonds, company bonds, convertible bonds and the like according to the dimension of the bond types, and the interest rate of the bonds of different bond types is greatly different from the interest rate calculation mode of the bonds.
In summary, the arrangement and combination of the above multiple dimensions pose a great challenge to the bond interest function of the accounting system, and both the accuracy and the processing efficiency need to be ensured. At present, for each product type and each bond type of bond taken place of a position of a financial asset, a set of separate bond interest-calculating program needs to be developed, so that the code redundancy is high, the development and the test are time-consuming and labor-consuming, and the program maintenance workload is large. Meanwhile, if an individual bond interest calculation program needs to be developed for each bond, when interest of various financial products needs to be calculated in batch, many bond interest calculation programs need to be operated simultaneously, which inevitably causes low efficiency of processing and is difficult to ensure efficiency of bond batch interest calculation.
Disclosure of Invention
The embodiment of the invention provides a method for batched interest bearing of bonds, which is used for reducing the development difficulty of interest bearing programs of the bonds and improving the batched interest bearing efficiency of the bonds, and comprises the following steps:
aiming at different financial products in different types of financial assets, acquiring full bond positions and total calculated interest information of each financial product through accounting elements of different bonds contained in each financial product; the accounting elements comprise financial asset types, financial attribute parameters, bond detail varieties and transaction market types corresponding to bonds; the total interest quoted is used for representing the interest quoted by the financial product before the current day of interest;
screening the full-amount bond taken positions of each financial product, and reserving target bond taken positions of different bonds contained in each financial product; the target bond position of the bond is used for representing the bond position of the bond needing to participate in interest counting on the interest counting day in the whole bond position;
acquiring the current balance interest of the principal bond of different bonds contained in each financial product; the current balance bond interest of the hundred yuan face value is used for representing the accrued interest of the balance face value of each bond;
calculating the total interest amount which each bond contained in each financial product should be charged according to the current balance of the principal bond interest and the target bond position of the different bonds contained in each financial product;
and calculating the current interest accrued on the interest accruing date of each financial product according to the total interest accrued on each bond and the total accrued interest included in each financial product.
The embodiment of the invention also provides a device for batched interest bearing of bonds, which is used for reducing the development difficulty of bond interest bearing programs and improving the batched interest bearing efficiency of the bonds, and comprises the following components:
the data acquisition module is used for acquiring the full bond position and the total calculated interest information of each financial product according to the accounting elements of different bonds contained in each financial product aiming at different financial products in different types of financial assets; the accounting elements comprise financial asset types, financial attribute parameters, bond detail varieties and transaction market types corresponding to bonds; the total interest quoted is used for representing the interest quoted by the financial product before the current day of interest;
the screening module is used for screening the full-amount bond taken positions of each financial product and reserving target bond taken positions of different bonds contained in each financial product; the target bond position of the bond is used for representing the bond position of the bond needing to participate in interest counting on the interest counting day in the whole bond position;
the system comprises a hundred yuan face value current remaining principal bond interest obtaining module, a balance calculating module and a balance calculating module, wherein the hundred yuan face value current remaining principal bond interest obtaining module is used for obtaining the hundred yuan face value current remaining principal bond interest of different bonds contained in each financial product; the current balance bond interest of the hundred yuan face value is used for representing the accrued interest of the balance face value of each bond;
the interest sum calculating module is used for calculating the interest sum to be paid by each bond contained in each financial product according to the current remaining principal bond interest of the different bonds contained in each financial product and the target bond position;
and the current daily interest-bearing and interest-promoting calculation module is used for calculating the current daily interest-bearing and interest-promoting of each financial product according to the total amount of interest to be charged by each bond and the total interest to be promoted contained in each financial product.
The embodiment of the invention also provides computer equipment which comprises a memory, a processor and a computer program which is stored on the memory and can run on the processor, wherein when the processor executes the computer program, the method for batched interest bearing of the bonds is realized.
The embodiment of the invention also provides a computer readable storage medium, and the computer readable storage medium stores a computer program for executing the bond batch interest-bearing method.
In the embodiment of the invention, aiming at different financial products in different types of financial assets, the full bond taken position and the total calculated interest information of each financial product are obtained through accounting elements of different bonds contained in each financial product; the accounting elements comprise financial asset types, financial attribute parameters, bond detail varieties and transaction market types corresponding to bonds; the total interest quoted is used for representing the interest quoted by the financial product before the current day of interest; screening the full-amount bond taken positions of each financial product, and reserving target bond taken positions of different bonds contained in each financial product; the target bond position of the bond is used for representing the bond position of the bond needing to participate in interest counting on the interest counting day in the whole bond position; acquiring the current balance interest of the principal bond of different bonds contained in each financial product; the current balance bond interest of the hundred yuan face value is used for representing the accrued interest of the balance face value of each bond; calculating the total interest amount which each bond contained in each financial product should be charged according to the current balance of the principal bond interest and the target bond position of the different bonds contained in each financial product; the method comprises the steps of calculating the current daily interest-bearing interest of each financial product according to the total interest sum and the total interest-bearing interest of each bond contained in each financial product, and compared with the technical scheme that a bond interest-bearing program aiming at each bond type needs to be separately developed in the prior art, abstracting the parameters of different bonds contained in different financial products into accounting elements, and finally calculating the current daily interest-bearing interest of different financial products according to the values of the accounting elements of the different bonds, so that the method is applicable to different bonds contained in different financial products, improves the universality of the bond interest-bearing program, does not need to separately develop the bond interest-bearing program aiming at each bond type, also avoids higher code redundancy, saves the cost of development and testing, and reduces the workload of program maintenance; meanwhile, according to the values of the accounting elements of different bonds contained in each financial product, the interest of the financial products containing the bonds can be calculated in batches, and the efficiency of batch interest calculation of the bonds is improved.
Drawings
In order to more clearly illustrate the embodiments of the present invention or the technical solutions in the prior art, the drawings used in the description of the embodiments or the prior art will be briefly described below, it is obvious that the drawings in the following description are only some embodiments of the present invention, and for those skilled in the art, other drawings can be obtained according to the drawings without creative efforts. In the drawings:
fig. 1 is a schematic flow chart of a method for batched interest bearing of bonds in an embodiment of the present invention;
FIG. 2 is a diagram illustrating an embodiment of a method for batched interest bearing of bonds;
FIG. 3 is a schematic structural diagram of a device for batched interest bearing of bonds in an embodiment of the present invention;
FIG. 4 is a diagram illustrating an embodiment of a device for batched interest bearing of bonds according to the present invention;
fig. 5 is a diagram illustrating an embodiment of a device for batched interest bearing of bonds according to the present invention.
Detailed Description
In order to make the objects, technical solutions and advantages of the embodiments of the present invention more apparent, the embodiments of the present invention are further described in detail below with reference to the accompanying drawings. The exemplary embodiments and descriptions of the present invention are provided to explain the present invention, but not to limit the present invention.
The embodiments of the present invention are briefly explained below in relation to technical terms:
and (3) gold: refers to a certain amount of funds set up for a certain purpose. In the capital market, funds are specifically securities investment funds, i.e. funds of a certain size for the purpose of securities investment. Unlike funds from the public perspective, which are an investment instrument, funds referred to herein as security investment funds, which are the subject of initiating investment activities in the capital market, can invest in holding a variety of financial instruments, such as bonds.
Bond: the credit and debt certificate is a financial contract, is issued to investors when governments, financial institutions, industrial and commercial enterprises and the like directly borrow funds from social debts, and is committed to pay interest according to a certain interest rate and pay back principal according to agreed terms. The act of paying out interest and paying out principal is commonly referred to as bond redemption and bond redemption, and the calculation of interest is typically by way of agreement on the nominal annual rate of interest of the bond.
And (4) calculating interest: the enterprise needs to pay interest which is paid but not paid at the current period at the end of the current period according to the regulation of the responsibility generation system of the enterprise accounting system. The interest-bearing is abbreviated as interest bearing, and the conventional processing mode for bearing the bond at present is to regard each day in the interest bearing interval as the current date, namely, the bond is subjected to daily interest bearing.
The current residual principal of the face value of hundred yuan: the face value of the bond is usually one hundred, if the balance is generated during the period of the deposit of the bond, the balance of the bond after the balance is the original face value of the bond minus the original face value of the bond multiplied by the balance proportion, and the obtained value is the current residual face value of the hundred yuan.
The inventor finds that: because the bond assets of different product types are distributed on accounting subjects corresponding to various financial asset categories, bond interest calculation needs to acquire the full amount of bonds of all product types for holding positions, in addition, for some trading markets, bond trading is divided into trading day delivery and non-trading day delivery, for the bond assets of the non-trading day delivery, the bond holding positions used for daily interest calculation need to consider the non-trading day delivery, and different types of bonds have various bond attributes such as interest rate, interest calculation mode, interest derivation mode, whether reverse squeezing mode is used, whether interest calculation is used and the like. If dimensions such as trading places, bond types and the like are processed respectively for each product type, redundancy of codes and low efficiency of processing are caused. In order to solve the above problems discovered by the inventor, the embodiment of the present invention provides a method for batched interest bearing of bonds, which can improve the universality of interest bearing programs of bonds, and simultaneously, the interest bearing programs of bonds for each type do not need to be separately developed, thereby avoiding code redundancy, saving the cost of development and testing, and reducing the workload of program maintenance; meanwhile, the interest of the financial products containing the bonds can be calculated in batches according to the values of the accounting elements of the different bonds contained in each financial product, and the efficiency of the batch interest calculation of the bonds is improved.
The method for batched interest bearing of bonds provided by the embodiment of the invention is explained in detail as follows.
Fig. 1 is a schematic flow chart of a method for batched interest bearing of bonds provided in an embodiment of the present invention, and as shown in fig. 1, the method for batched interest bearing of bonds provided in an embodiment of the present invention may include:
step 101: aiming at different financial products in different types of financial assets, acquiring full bond positions and total calculated interest information of each financial product through accounting elements of different bonds contained in each financial product; the accounting elements comprise financial asset types, financial attribute parameters, bond detail varieties and transaction market types corresponding to bonds; the total interest quoted is used for representing the interest quoted by the financial product before the current day of interest;
step 102: screening the full-amount bond taken positions of each financial product, and reserving target bond taken positions of different bonds contained in each financial product; the target bond position of the bond is used for representing the bond position of the bond needing to participate in interest counting on the interest counting day in the whole bond position;
step 103: acquiring the current balance interest of the principal bond of different bonds contained in each financial product; the current balance bond interest of the hundred yuan face value is used for representing the accrued interest of the balance face value of each bond;
step 104: calculating the total interest amount which each bond contained in each financial product should be charged according to the current balance of the principal bond interest and the target bond position of the different bonds contained in each financial product;
step 105: and calculating the current interest accrued on the interest accruing date of each financial product according to the total interest accrued on each bond and the total accrued interest included in each financial product.
In the embodiment of the invention, aiming at different financial products in different types of financial assets, the full bond taken position and the total calculated interest information of each financial product are obtained through accounting elements of different bonds contained in each financial product; the accounting elements comprise financial asset types, financial attribute parameters, bond detail varieties and transaction market types corresponding to bonds; the total interest quoted is used for representing the interest quoted by the financial product before the current day of interest; screening the full-amount bond taken positions of each financial product, and reserving target bond taken positions of different bonds contained in each financial product; the target bond position of the bond is used for representing the bond position of the bond needing to participate in interest counting on the interest counting day in the whole bond position; acquiring the current balance interest of the principal bond of different bonds contained in each financial product; the current balance bond interest of the hundred yuan face value is used for representing the accrued interest of the balance face value of each bond; calculating the total interest amount which each bond contained in each financial product should be charged according to the current balance of the principal bond interest and the target bond position of the different bonds contained in each financial product; the method comprises the steps of calculating the current daily interest-bearing interest of each financial product according to the total interest sum and the total interest-bearing interest of each bond contained in each financial product, and compared with the technical scheme that a bond interest-bearing program aiming at each bond type needs to be separately developed in the prior art, abstracting the parameters of different bonds contained in different financial products into accounting elements, and finally calculating the current daily interest-bearing interest of different financial products according to the values of the accounting elements of the different bonds, so that the method is applicable to different bonds contained in different financial products, improves the universality of the bond interest-bearing program, does not need to separately develop the bond interest-bearing program aiming at each bond type, also avoids higher code redundancy, saves the cost of development and testing, and reduces the workload of program maintenance; meanwhile, according to the values of the accounting elements of different bonds contained in each financial product, the interest of the financial products containing the bonds can be calculated in batches, and the efficiency of batch interest calculation of the bonds is improved.
The complexity of the accounting system bond interest function can be illustrated from a number of dimensions as follows. 1. The dimension of the product type, the accounting system needs to account a plurality of product types such as funds, insurance, financing, national social security, basic endowment and the like in the country, and corresponding subject codes and subject elements are greatly different for different products; 2. financial asset dimension, for different financing, social security and insurance products, the financial assets can be used as transactional, saleable and held to due financial assets, and for domestic fund, the bond relates to the financial asset assets and is not classified; 3. the trading market dimension can be divided into an exchange and a bank, and the bond trading and interest-counting rules of different trading places are different; 4. the dimension of the bond types is divided into a close bond, a national bond, a company bond, a convertible bond and the like, and the interest rate of the bonds of different bond types is greatly different from the interest rate calculation mode of the bonds. In the prior art, interest calculation aiming at different bonds contained in different financial products in different types of financial assets in different trading markets is difficult, and a large amount of manpower and material resources are required. In order to solve the above problems discovered by the inventor, the embodiment of the invention provides a method for batched interest bearing of bonds.
When the method is specifically implemented, firstly, aiming at different financial products in different types of financial assets, the full bond position and the total calculated interest information of each financial product are obtained through accounting elements of different bonds contained in each financial product; the accounting elements comprise financial asset types, financial attribute parameters, bond detail varieties and transaction market types corresponding to bonds; the total interest bearing is used to characterize the interest bearing that the financial product has been bearing prior to the current day of interest.
In an embodiment, for different financial products in different types of financial assets, acquiring the full bond taken position and the total interest paid by accounting elements of different bonds contained in each financial product may include: and aiming at different financial products in different types of financial assets in different trading markets, acquiring full bond positions and total interest paid by each financial product through accounting elements of different bonds contained in each financial product.
In the above embodiments, the full bond position of a financial product is used to characterize the sum of the full position positions of the different bonds contained in the financial product. By integrating the bond positions of different bonds contained in different financial products in different types of financial assets in different trading markets, bond subjects of different bonds contained in different financial products can be abstracted into uniform accounting element values, and for example, the full-scale bond positions of different product types can be obtained from the dimension of financial asset classification. Meanwhile, the bond cost and interest matching can also be performed with the uniqueness matching from the bond internal code and the dimension of the financial asset classification.
In specific implementation, after the full bond taken position and the total calculated interest bearing of each financial product are obtained through accounting elements of different bonds contained in each financial product aiming at different financial products in different types of financial assets, the full bond taken position of each financial product is screened, and the target bond taken position of different bonds contained in each financial product is reserved; and the target bond position of the bond is used for representing the position of the bond needing to participate in interest counting on the interest counting day in the whole bond position.
In an embodiment, screening the full-size bond taken position of each financial product and reserving the target bond taken position of different bonds contained in each financial product may include: and traversing the debt buying and selling transaction which is not paid on the day of the interest day of each product, and determining the position holding quantity of interest to be calculated of each bond under each product through business rules according to the position holding of the full amount of the bonds of each financial product.
In the above embodiment, by reserving the target bond holding position of the different bonds included in each financial product, it is facilitated to calculate the total interest amount to be charged for each bond included in each financial product in the subsequent step.
In specific implementation, after the full-amount bonds of each financial product are screened and the target bonds of different bonds contained in each financial product are reserved, the current balance bond interest of the different bonds contained in each financial product is obtained; the current balance bond interest of the hundred yuan face value is used for representing accrued interest of the balance face value of each bond.
In an embodiment, the obtaining of the hundred yuan face value of the different bonds contained in each financial product and the interest of the currently remaining principal bond may include: and acquiring the current remaining principal bond interest of the face value of the hundred yuan of different bonds contained in each financial product from the acquired product history holding bond information.
In the above embodiment, by screening all the bonds which are held in the accounting system in history, and by inquiring the basic information of the bonds, the interest of the bond with the hundred dollar face value and the current remaining principal bond interest of each bond is calculated, wherein the current remaining principal bond interest with the hundred dollar face value is used for representing the total interest accrued or interest accrued on the interest-bearing day of the remaining face value of the bond, which is helpful for calculating the total interest accrued on each bond contained in each financial product from the interest-bearing starting day to the current interest-bearing day in the subsequent steps.
In specific implementation, after the current remaining principal bond interest of the different bond face values of the different bonds contained in each financial product is obtained, the total interest amount to be paid by each bond contained in each financial product is calculated according to the current remaining principal bond interest of the different bond face values of the different bonds contained in each financial product and the target bond holding position.
In an embodiment, the method for batched interest bearing of bonds provided by the embodiment of the present invention may further include: matching different bonds contained in each financial product with the pre-acquired basic properties of the bonds, and determining the properties of the bonds of each bond contained in each financial product; the bond attribute is used for representing interest calculation parameters corresponding to different bonds; calculating the total interest amount to be paid by each bond contained in each financial product according to the current balance of the principal bond interest and the target bond position of the different bonds contained in each financial product, may include: and calculating the total interest amount which each bond contained in each financial product should be charged according to the bond attribute of different bonds contained in each financial product, the current balance bond interest of the hundred yuan face value and the target bond position.
In the above embodiment, the target bond position and the basic bond information are managed, the purpose of adding bond attributes related to interest is realized, and the calculation of the total interest amount to be charged by each bond included in each financial product is facilitated in the subsequent step, so that the interest can be promoted on the current interest date of each financial product.
In specific implementation, after the balance of the currently remaining principal bond interest and the target bond are held according to the face value of the hundred yuan of different bonds contained in each financial product, and the total interest amount to be collected by each bond contained in each financial product is calculated, the current interest daily charged and interest to be collected by each financial product is calculated according to the total interest amount to be collected by each bond and the total charged and interest to be collected contained in each financial product.
In an embodiment, the current interest-bearing date accrual interest for each financial product is used to characterize the interest accrued or accrued by the financial product on the current interest-bearing date. The method can also comprise the following steps: and calculating the total amount of interest to be charged on the current day or the total amount of interest to be charged on the current day of the interest-bearing day by the fund accounting system.
As an example, due to the different ways of interest bearing on different bonds, when calculating the total amount of interest to be charged for each bond contained in each financial product, there are two results:
A. calculating the total interest amount which each bond contained in each financial product should be charged into the interest amount of each bond which is held in the range from the current interest starting date or the last interest paying date to the current interest paying date;
B. and calculating the total interest amount which each bond contained in each financial product should be charged as the interest amount of the bond on the current day of interest.
Since there are two results in calculating the total interest amount due to each bond included in each financial product, there are two ways to calculate the interest amount due to the current interest date of each financial product:
a. corresponding to the step A, when calculating the interest accrued on the current interest accrual date of each financial product, subtracting the total interest accrual amount of each bond contained in each financial product by the product of the target bond position of the different bonds contained in each financial product and the current remaining principal bond interest of the different bonds contained in each financial product, and obtaining the interest accrual on the current interest accrual date of each financial product;
2. corresponding to the step B, when calculating the interest accrued on the current interest accrual date of each financial product, taking the product of the target bond position of the different bonds contained in each financial product and the current remaining principal bond interest of the different bonds contained in each financial product as the interest accrual on the current interest accrual date of each financial product.
In the above embodiment, the calculation of the current daily interest-bearing of different financial products to the current daily interest-bearing of each financial product can be finally calculated according to the values of the accounting elements of different bonds, so that the interest calculation of different bonds contained in different financial products in different types of financial assets in different trading markets is realized.
In specific implementation, the method for batched interest bearing of bonds provided by the embodiment of the invention further comprises the following steps: when a financial product is newly added, the position taken by the whole bond and the total calculated interest information are obtained through the values of the accounting factors of different bonds contained in the newly added financial product; screening the whole bond taken positions of the newly added financial products, and reserving target bond taken positions of different bonds contained in the newly added financial products; acquiring the current balance interest of the bond of the remaining principal in terms of the face value of hundred yuan of different bonds contained in the newly added financial product; calculating the total interest amount to be charged by each bond contained in the newly added financial products; and calculating the current daily interest-bearing of the newly added financial product.
In the embodiment, when carrying out batch debt interest calculation, the method for carrying out batch debt interest calculation provided by the embodiment of the invention firstly needs to uniformly classify the debt investment subjects of each product type into the finite financial asset classification accounting elements, obtain the debt taken positions of all products in batch through the accounting element dimension, and integrate the cost of the debt investment and the interest subject balance of all product types. For the newly added financial product types of the accounting system, the bond investment subjects under the product types are classified into uniform accounting elements, so that the bond taken position acquisition of the newly added financial product types can be completed, new code logic is not required, and flexible configuration can be realized.
A specific embodiment is given below to illustrate a specific application of the method of the present invention, as shown in fig. 2, and the embodiment may include the following steps:
s1: according to the acquired subject balances of public fund raising, financing, insurance, social insurance and the like, the whole bonds of different product types are taken in position and classified into corresponding financial asset classes which are divided into financial assets with transaction property, available for sale and held till due, and the subject of the whole bond taking position cost and the subject balance of interest or interest account of all products are taken out at one time according to the dimensionality of the financial asset classes. The uniqueness of the bond cost and interest matching under each product and each financial asset classification is ensured through the financial asset classification, the bond internal code and the product code matching cost subject and interest subject;
s2: traversing the debt buying and selling transactions of each financial product which are not paid on the day of the interest day, and keeping the target debt holding position (the holding position quantity of each debt which should be calculated for interest under each product) of different debts contained in each financial product through the full-amount debt holding position in the business rule adjusting step S1;
s3: bond attribute matching module: associating the target bond taken position set of the whole product obtained in the step S2 with bond basic information through the bond internal code, and matching bond attributes required by interest bearing;
s4: the method comprises the steps of screening all bonds which are held in the accounting system in a historical mode, inquiring basic information of the bonds, calculating the total interest amount which each bond is supposed to receive and is contained in each financial product (namely the total answer/interest should be charged on the interest-counting day of the rest face value of each bond), and paying the total interest from the starting day to the current interest-counting day;
s5: the set of the positions of the bonds and the attribute of the bonds obtained in step S3 and the total amount of interest to be charged by each bond included in each financial product obtained in step S4 calculate the current interest due on the current interest day of each financial product (i.e. the interest due or interest due to be charged on the current day of all financial products) according to the business rules.
In the above example, the calculation of the total interest amount (i.e. total interest of remaining face value bonds) due to each bond contained in the target bond taken position and the financial product can be decoupled to the maximum extent, steps S1, S2, S3 focus on the full bond position and the face value of the hundred dollars of each product dimension and the current remaining principal bond interest of the hundred dollars, and step S4 focus on the collection of the total interest amount due to all product bond information dimensions.
Of course, it is understood that other variations of the above detailed flow can be made, and all such variations are intended to fall within the scope of the present invention.
In the embodiment of the invention, aiming at different financial products in different types of financial assets, the full bond taken position and the total calculated interest information of each financial product are obtained through accounting elements of different bonds contained in each financial product; the accounting elements comprise financial asset types, financial attribute parameters, bond detail varieties and transaction market types corresponding to bonds; the total interest quoted is used for representing the interest quoted by the financial product before the current day of interest; screening the full-amount bond taken positions of each financial product, and reserving target bond taken positions of different bonds contained in each financial product; the target bond position of the bond is used for representing the bond position of the bond needing to participate in interest counting on the interest counting day in the whole bond position; acquiring the current balance interest of the principal bond of different bonds contained in each financial product; the current balance bond interest of the hundred yuan face value is used for representing the accrued interest of the balance face value of each bond; calculating the total interest amount which each bond contained in each financial product should be charged according to the current balance of the principal bond interest and the target bond position of the different bonds contained in each financial product; the method comprises the steps of calculating the current daily interest-bearing interest of each financial product according to the total interest sum and the total interest-bearing interest of each bond contained in each financial product, and compared with the technical scheme that a bond interest-bearing program aiming at each bond type needs to be separately developed in the prior art, abstracting the parameters of different bonds contained in different financial products into accounting elements, and finally calculating the current daily interest-bearing interest of different financial products according to the values of the accounting elements of the different bonds, so that the method is applicable to different bonds contained in different financial products, improves the universality of the bond interest-bearing program, does not need to separately develop the bond interest-bearing program aiming at each bond type, also avoids higher code redundancy, saves the cost of development and testing, and reduces the workload of program maintenance; meanwhile, according to the values of the accounting elements of different bonds contained in each financial product, the interest of the financial products containing the bonds can be calculated in batches, and the efficiency of batch interest calculation of the bonds is improved.
As described above, in the prior art, for each product type and the bond taken place in the trading market, a set of separate bond interest-calculating program needs to be developed, bond interest-calculating function program needs to be repeatedly developed, code redundancy is high, development and testing are time-consuming and labor-consuming, and maintenance workload is large. The embodiment of the invention is suitable for the requirement of bond batch interest calculation under a fund accounting system, can integrate bond positions of a plurality of product types, abstract bond subjects corresponding to different financial asset classifications of different product types into a uniform accounting element value, and take out target bond positions and interest balances under all product types in batch. In addition, by setting the steps, the complexity caused by different business rules and interest rules under different bond types of different trading markets can be reduced, the system development time is saved, and the code redundancy is reduced.
The embodiment of the invention also provides a device for batched interest bearing of bonds, and the device is as follows. Because the principle of solving the problems of the device is similar to the method for batched interest bearing of the bonds, the implementation of the device can be referred to the implementation of the method for batched interest bearing of the bonds, and repeated parts are not described again.
Fig. 3 is a schematic structural diagram of a device for batched interest bearing of bonds in an embodiment of the present invention, and as shown in fig. 3, the device for batched interest bearing of bonds in an embodiment of the present invention may include:
the data acquisition module 01 is used for acquiring the full bond taken position and the total calculated interest of each financial product through accounting elements of different bonds contained in each financial product aiming at different financial products in different types of financial assets; the accounting elements comprise financial asset types, financial attribute parameters, bond detail varieties and transaction market types corresponding to bonds; the total interest quoted is used for representing the interest quoted by the financial product before the current day of interest;
the screening module 02 is used for screening the full-amount bond taken positions of each financial product and reserving target bond taken positions of different bonds contained in each financial product; the target bond position of the bond is used for representing the bond position of the bond needing to participate in interest counting on the interest counting day in the whole bond position;
the hundred yuan face value current remaining principal bond interest obtaining module 03 is used for obtaining the hundred yuan face value current remaining principal bond interest of different bonds contained in each financial product; the current balance bond interest of the hundred yuan face value is used for representing the accrued interest of the balance face value of each bond;
the total interest amount calculating module 04 is used for calculating the total interest amount which each bond contained in each financial product should be charged according to the current remaining principal bond interest of the different bonds contained in each financial product and the target bond position;
and the current daily interest-bearing calculation module 05 is used for calculating the current daily interest-bearing of each financial product according to the total amount of interest to be charged by each bond and the total interest to be charged contained in each financial product.
In one embodiment, the accounting value element obtaining module is specifically configured to: and aiming at different financial products in different types of financial assets in different trading markets, acquiring full bond positions and total interest paid by each financial product through accounting elements of different bonds contained in each financial product.
In one embodiment, the hundred yuan face value current remaining principal bond interest obtaining module is specifically configured to: and acquiring the current remaining principal bond interest of the face value of the hundred yuan of different bonds contained in each financial product from the acquired product history holding bond information.
In an embodiment, the device for batched interest bearing of bonds provided by the embodiment of the present invention, as shown in fig. 4, may further include: a bond attribute matching module 06 for:
matching different bonds contained in each financial product with the pre-acquired basic properties of the bonds, and determining the properties of the bonds of each bond contained in each financial product; the bond attribute is used for representing interest calculation parameters corresponding to different bonds;
calculating the total interest amount to be paid by each bond contained in each financial product according to the current balance of the principal bond interest and the target bond position of the different bonds contained in each financial product, wherein the method comprises the following steps:
and calculating the total interest amount which each bond contained in each financial product should be charged according to the bond attribute of different bonds contained in each financial product, the current balance bond interest of the hundred yuan face value and the target bond position.
In an embodiment, the device for batched interest bearing of bonds provided by the embodiment of the present invention, as shown in fig. 5, may further include: newly-added financial product module 07 is used for: when a financial product is newly added, the position taken by the whole bond and the total calculated interest information are obtained through the values of the accounting factors of different bonds contained in the newly added financial product; screening the whole bond taken positions of the newly added financial products, and reserving target bond taken positions of different bonds contained in the newly added financial products; acquiring the current balance interest of the bond of the remaining principal in terms of the face value of hundred yuan of different bonds contained in the newly added financial product; calculating the total interest amount to be charged by each bond contained in the newly added financial products; and calculating the current daily interest-bearing of the newly added financial product.
The embodiment of the invention also provides computer equipment which comprises a memory, a processor and a computer program which is stored on the memory and can run on the processor, wherein when the processor executes the computer program, the method for batched interest bearing of the bonds is realized.
The embodiment of the invention also provides a computer readable storage medium, and the computer readable storage medium stores a computer program for executing the bond batch interest-bearing method.
In the embodiment of the invention, aiming at different financial products in different types of financial assets, the full bond taken position and the total calculated interest information of each financial product are obtained through accounting elements of different bonds contained in each financial product; the accounting elements comprise financial asset types, financial attribute parameters, bond detail varieties and transaction market types corresponding to bonds; the total interest quoted is used for representing the interest quoted by the financial product before the current day of interest; screening the full-amount bond taken positions of each financial product, and reserving target bond taken positions of different bonds contained in each financial product; the target bond position of the bond is used for representing the bond position of the bond needing to participate in interest counting on the interest counting day in the whole bond position; acquiring the current balance interest of the principal bond of different bonds contained in each financial product; the current balance bond interest of the hundred yuan face value is used for representing the accrued interest of the balance face value of each bond; calculating the total interest amount which each bond contained in each financial product should be charged according to the current balance of the principal bond interest and the target bond position of the different bonds contained in each financial product; the method comprises the steps of calculating the current daily interest-bearing interest of each financial product according to the total interest sum and the total interest-bearing interest of each bond contained in each financial product, and compared with the technical scheme that a bond interest-bearing program aiming at each bond type needs to be separately developed in the prior art, abstracting the parameters of different bonds contained in different financial products into accounting elements, and finally calculating the current daily interest-bearing interest of different financial products according to the values of the accounting elements of the different bonds, so that the method is applicable to different bonds contained in different financial products, improves the universality of the bond interest-bearing program, does not need to separately develop the bond interest-bearing program aiming at each bond type, also avoids higher code redundancy, saves the cost of development and testing, and reduces the workload of program maintenance; meanwhile, according to the values of the accounting elements of different bonds contained in each financial product, the interest of the financial products containing the bonds can be calculated in batches, and the efficiency of batch interest calculation of the bonds is improved.
As will be appreciated by one skilled in the art, embodiments of the present invention may be provided as a method, system, or computer program product. Accordingly, the present invention may take the form of an entirely hardware embodiment, an entirely software embodiment or an embodiment combining software and hardware aspects. Furthermore, the present invention may take the form of a computer program product embodied on one or more computer-usable storage media (including, but not limited to, disk storage, CD-ROM, optical storage, and the like) having computer-usable program code embodied therein.
The present invention is described with reference to flowchart illustrations and/or block diagrams of methods, apparatus (systems), and computer program products according to embodiments of the invention. It will be understood that each flow and/or block of the flow diagrams and/or block diagrams, and combinations of flows and/or blocks in the flow diagrams and/or block diagrams, can be implemented by computer program instructions. These computer program instructions may be provided to a processor of a general purpose computer, special purpose computer, embedded processor, or other programmable data processing apparatus to produce a machine, such that the instructions, which execute via the processor of the computer or other programmable data processing apparatus, create means for implementing the functions specified in the flowchart flow or flows and/or block diagram block or blocks.
These computer program instructions may also be stored in a computer-readable memory that can direct a computer or other programmable data processing apparatus to function in a particular manner, such that the instructions stored in the computer-readable memory produce an article of manufacture including instruction means which implement the function specified in the flowchart flow or flows and/or block diagram block or blocks.
These computer program instructions may also be loaded onto a computer or other programmable data processing apparatus to cause a series of operational steps to be performed on the computer or other programmable apparatus to produce a computer implemented process such that the instructions which execute on the computer or other programmable apparatus provide steps for implementing the functions specified in the flowchart flow or flows and/or block diagram block or blocks.
The above-mentioned embodiments are intended to illustrate the objects, technical solutions and advantages of the present invention in further detail, and it should be understood that the above-mentioned embodiments are only exemplary embodiments of the present invention, and are not intended to limit the scope of the present invention, and any modifications, equivalent substitutions, improvements and the like made within the spirit and principle of the present invention should be included in the scope of the present invention.
Claims (12)
1. A method for batched interest bearing of bonds is characterized by comprising the following steps:
aiming at different financial products in different types of financial assets, acquiring full bond positions and total calculated interest information of each financial product through accounting elements of different bonds contained in each financial product; the accounting elements comprise financial asset types, financial attribute parameters, bond detail varieties and transaction market types corresponding to bonds; the total interest quoted is used for representing the interest quoted by the financial product before the current day of interest;
screening the full-amount bond taken positions of each financial product, and reserving target bond taken positions of different bonds contained in each financial product; the target bond position of the bond is used for representing the bond position of the bond needing to participate in interest counting on the interest counting day in the whole bond position;
acquiring the current balance interest of the principal bond of different bonds contained in each financial product; the current balance bond interest of the hundred yuan face value is used for representing the accrued interest of the balance face value of each bond;
calculating the total interest amount which each bond contained in each financial product should be charged according to the current balance of the principal bond interest and the target bond position of the different bonds contained in each financial product;
and calculating the current interest accrued on the interest accruing date of each financial product according to the total interest accrued on each bond and the total accrued interest included in each financial product.
2. The method of claim 1, wherein obtaining a full bond position and a total calculated interest rate for each financial product from accounting elements of different bonds contained in each financial product for different financial products of different types of financial assets comprises:
and aiming at different financial products in different types of financial assets in different trading markets, acquiring full bond positions and total interest paid by each financial product through accounting elements of different bonds contained in each financial product.
3. The method of claim 1, wherein obtaining the current remaining principal bond interest in terms of the face value of the hundred dollars for the different bonds contained in each financial product comprises:
and acquiring the current remaining principal bond interest of the face value of the hundred yuan of different bonds contained in each financial product from the acquired product history holding bond information.
4. The method of claim 1, further comprising:
matching different bonds contained in each financial product with the pre-acquired basic properties of the bonds, and determining the properties of the bonds of each bond contained in each financial product; the bond attributes are used for representing interest calculation parameters corresponding to different bonds;
calculating the total interest amount to be paid by each bond contained in each financial product according to the current balance of the principal bond interest and the target bond position of the different bonds contained in each financial product, wherein the method comprises the following steps:
and calculating the total interest amount which each bond contained in each financial product should be charged according to the bond attribute of different bonds contained in each financial product, the current balance bond interest of the hundred yuan face value and the target bond position.
5. The method of claim 1, further comprising: when a financial product is newly added, the position taken by the whole bond and the total calculated interest information are obtained through the values of the accounting factors of different bonds contained in the newly added financial product; screening the whole bond taken positions of the newly added financial products, and reserving target bond taken positions of different bonds contained in the newly added financial products; acquiring the current balance interest of the bond of the remaining principal in terms of the face value of hundred yuan of different bonds contained in the newly added financial product; calculating the total interest amount to be charged by each bond contained in the newly added financial products; and calculating the current daily interest-bearing of the newly added financial product.
6. An apparatus for batch interest-keeping of bonds, comprising:
the data acquisition module is used for acquiring the full bond position and the total calculated interest information of each financial product according to the accounting elements of different bonds contained in each financial product aiming at different financial products in different types of financial assets; the accounting elements comprise financial asset types, financial attribute parameters, bond detail varieties and transaction market types corresponding to bonds; the total interest quoted is used for representing the interest quoted by the financial product before the current day of interest;
the screening module is used for screening the full-amount bond taken positions of each financial product and reserving target bond taken positions of different bonds contained in each financial product; the target bond position of the bond is used for representing the bond position of the bond needing to participate in interest counting on the interest counting day in the whole bond position;
the system comprises a hundred yuan face value current remaining principal bond interest obtaining module, a balance calculating module and a balance calculating module, wherein the hundred yuan face value current remaining principal bond interest obtaining module is used for obtaining the hundred yuan face value current remaining principal bond interest of different bonds contained in each financial product; the current balance bond interest of the hundred yuan face value is used for representing the accrued interest of the balance face value of each bond;
the interest sum calculating module is used for calculating the interest sum to be paid by each bond contained in each financial product according to the current remaining principal bond interest of the different bonds contained in each financial product and the target bond position;
and the current daily interest-bearing and interest-promoting calculation module is used for calculating the current daily interest-bearing and interest-promoting of each financial product according to the total amount of interest to be charged by each bond and the total interest to be promoted contained in each financial product.
7. The apparatus of claim 6, wherein the data acquisition module is specifically configured to:
and aiming at different financial products in different types of financial assets in different trading markets, acquiring full bond positions and total interest paid by each financial product through accounting elements of different bonds contained in each financial product.
8. The apparatus of claim 6, wherein the hundred dollar face value current remaining principal bond interest obtaining module is specifically configured to: and acquiring the current remaining principal bond interest of the face value of the hundred yuan of different bonds contained in each financial product from the acquired product history holding bond information.
9. The apparatus of claim 6, further comprising: a bond attribute matching module for:
matching different bonds contained in each financial product with the pre-acquired basic properties of the bonds, and determining the properties of the bonds of each bond contained in each financial product; the bond attributes are used for representing interest calculation parameters corresponding to different bonds;
calculating the total interest amount to be paid by each bond contained in each financial product according to the current balance of the principal bond interest and the target bond position of the different bonds contained in each financial product, wherein the method comprises the following steps:
and calculating the total interest amount which each bond contained in each financial product should be charged according to the bond attribute of different bonds contained in each financial product, the current balance bond interest of the hundred yuan face value and the target bond position.
10. The apparatus of claim 6, further comprising: newly-increased financial product module is used for: when a financial product is newly added, the position taken by the whole bond and the total calculated interest information are obtained through the values of the accounting factors of different bonds contained in the newly added financial product; screening the whole bond taken positions of the newly added financial products, and reserving target bond taken positions of different bonds contained in the newly added financial products; acquiring the current balance interest of the bond of the remaining principal in terms of the face value of hundred yuan of different bonds contained in the newly added financial product; calculating the total interest amount to be charged by each bond contained in the newly added financial products; and calculating the current daily interest-bearing of the newly added financial product.
11. A computer device comprising a memory, a processor and a computer program stored on the memory and executable on the processor, wherein the processor implements the method of any one of claims 1 to 5 when executing the computer program.
12. A computer-readable storage medium, characterized in that the computer-readable storage medium stores a computer program for executing the method of any one of claims 1 to 5.
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| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| CN202011433234.7A CN112541813A (en) | 2020-12-10 | 2020-12-10 | Bond batch interest-metering method and device |
Applications Claiming Priority (1)
| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| CN202011433234.7A CN112541813A (en) | 2020-12-10 | 2020-12-10 | Bond batch interest-metering method and device |
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| CN112541813A true CN112541813A (en) | 2021-03-23 |
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| CN202011433234.7A Pending CN112541813A (en) | 2020-12-10 | 2020-12-10 | Bond batch interest-metering method and device |
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| CN (1) | CN112541813A (en) |
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