CN113362149A - Enterprise fund management system and method - Google Patents
Enterprise fund management system and method Download PDFInfo
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Abstract
The invention provides an enterprise fund management system and a method, which relate to the technical field of enterprise fund management, and the system comprises: the multiple virtual and real fund account system module is used for opening and hanging at least one sub-account in the same account of an enterprise according to the dimension requirements of funds with different properties; the fund flow management module is used for expanding and designing diversified fund pools based on the multiple virtual and real fund account system module; the unified management module is used for carrying out unified management on the accounts and the sub-accounts in the multiple virtual and real fund account system module; the invention designs a set of virtual-real combined multiple fund account system management system, so that the enterprise fund management system is deployed through a cloud, integrates enterprise online banking and gets through an enterprise financial system, and realizes convenient, quick and effective management of group-type enterprises and chain-type enterprises on group and member unit funds.
Description
Technical Field
The invention relates to the technical field of enterprise fund management, in particular to an enterprise fund management system and method.
Background
At present, the enterprise operation scale of China is increasingly enlarged, and the development trend of grouping and internationalization is presented. The continuous expansion of enterprise scale, the more and more enterprise groups of cross-industry and cross-region diversified operation, under the situation of rapid development of enterprises, the situations of fund management dispersion, difficult budget control, serious fund deposition, large amount of idle fund and the like exist in the group type enterprises and the chain type enterprises, so that the fund management of the group type enterprises and the chain type enterprises has the following problems:
lack of a unified management platform: the financial system, the ERP system and other system account data of each bank are independent and difficult to interact, and the unified management is difficult;
member unit management is difficult: the capital of the member unit cannot be directly checked, and the capital collection and the downward dialing cannot be carried out in time, so that the capital precipitation waste is caused;
lack of automated means: the fund transfer of group type enterprises and chain type enterprises needs manual operation, and lacks of intelligent and automatic operation means;
unable internal interest-keeping: the fund in the group type enterprise and the chain type enterprise is difficult to be automatically interest-metering and lacks automatic interest-metering tools and platforms.
In order to solve the problems, a set of enterprise fund management system is designed aiming at enterprise fund management requirements to assist enterprises to scientifically and reasonably manage positions of accounts and liquidity funds, effectively collect and allocate internal funds, finally improve fund liquidity, improve financial management level and obtain higher fund income, and has great research significance.
Disclosure of Invention
Accordingly, the present invention is directed to an enterprise fund management system and method, which solve one or all of the problems set forth above in the background.
Based on the above object, the present invention provides an enterprise fund management system, comprising:
the multiple virtual and real fund account system module is used for opening and hanging at least one sub-account in the same account of an enterprise according to the dimension requirements of funds with different properties; the dimension requirements comprise classification accounting requirements, different department requirements, different subsidiary company requirements and different purposes, the subsidiary accounts comprise virtual accounts and entity accounts, the virtual accounts are bank entity accounts which do not need to be held before a counter, and the entity accounts are bank entity accounts which need to be held at bank outlets;
the fund flow management module is used for expanding and designing diversified fund pools based on the multiple virtual and real fund account system module;
the unified management module is used for carrying out unified management on the accounts and the sub-accounts in the multiple virtual and real fund account system module;
the multi-channel integration module is used for directly connecting and butting financial systems of the enterprises based on a plurality of channels; wherein, the channel comprises an enterprise online bank and a bank-enterprise direct connection system.
Furthermore, the settlement account in the multiple virtual-real fund account system module is a first-layer account, and the sub-account is a second-layer account and is additionally hung with a sub-account.
Furthermore, a sub account which is a third-layer account is additionally hung under the sub account which belongs to the second-layer account.
Further, the fund pool comprises:
the common fund pool is used for providing fund management service for centralized management and unified allocation of account balances of internal member units by enterprises;
the client loan fund pool is used for collecting the account fund of the enterprise member client into the account of the enterprise member borrower in the form of client loan in the enterprise fund management;
the cross-border fund pool is used for supporting cross-border fund vacancy dispensing and collecting services which are developed among non-financial member enterprises inside and outside a country according to self operation and management requirements of cross-country enterprises, and comprehensively supporting the centralized operation management and daily payment requirements of clients on foreign currency funds;
and the virtual fund pool is used for carrying out fund management in a standing book registration mode under the condition that the balance of the account of the enterprise and the member units thereof is not changed.
Further, the common fund pool is a fund pool mode set based on a multiple virtual-real fund account system module, and specifically aims at the condition that the account structure is that the collection account of the upper-level parent company is an entity account, the collection account of the lower-hanging subsidiary company is an entity account, and meanwhile, an internal interest-calculating virtual account is opened for calculating interest;
the principal and loan fund pool is a fund pool mode set based on a multiple virtual and real fund account system module, and is particularly used for the condition that accounts of a group company and subordinate companies are all entity accounts;
the cross-border fund pool is a fund pool mode set based on a multi-virtual-real fund account system module, and is specifically used for the condition that a superior company account or a subsidiary company account is an overseas account or an offshore account;
the virtual fund pool is a fund pool mode set based on a multiple virtual and real fund account system module, and particularly aims at the condition that an enterprise opens and additionally hangs one or more virtual accounts according to internal management requirements under one current entity account.
Furthermore, the cross-border fund pool supports a client to carry out information query on the cross-border fund pool at a portal, sets a collection and transfer-down strategy and relationship of the cross-border pool, maintains the internal pricing of the cross-border pool, and carries out collection and transfer-down service, channel transfer service and centralized collection and remittance service.
Further, the virtual fund pool supports fund pool establishment, parameter setting, fund pool logout, balance inquiry, detail inquiry, historical balance, credit clearing, payment transfer, internal transfer and reconciliation
Further, the method also comprises the following steps:
the authority management module is used for setting functional authority for the settlement account and the sub-account; the function authority comprises an account management authority and a fund transfer authority.
Further, the right management module specifically includes:
the role setting unit is used for setting roles for the account settling account and the sub-account; wherein the roles comprise a handling role and a reviewing role;
the role authority distributing unit is used for setting corresponding function authorities for the set roles;
and the role distribution unit is used for distributing roles for the enterprises.
The invention also provides an enterprise fund management method, which comprises the following steps:
opening and hanging at least one sub-account in the same account of the enterprise according to the dimension requirements of funds with different properties; the dimension requirements comprise classification accounting requirements, different department requirements, different subsidiary company requirements and different purposes, the subsidiary accounts comprise virtual accounts and entity accounts, the virtual accounts are bank entity accounts which do not need to be held before a counter, and the entity accounts are bank entity accounts which need to be held at bank outlets;
expanding and designing a diversified fund pool based on the settlement account and the sub-account;
uniformly managing the settlement accounts and the sub-accounts;
directly connecting and butting financial systems of the enterprises based on various channels; wherein, the channel comprises an enterprise online bank and a bank-enterprise direct connection system.
From the above, the enterprise fund management system and method provided by the invention design a set of virtual-real combined multiple fund account system management system by setting multiple virtual-real fund account system modules, and integrate enterprise online banking and get through the enterprise financial system by using the fund flow management module, the unified management module and the multi-channel integration module associated with the multiple virtual-real fund account system modules, so that the enterprise fund management system can conveniently, quickly and effectively manage the fund of the group type enterprise and the chain type enterprise, such as the unified view of the fund of the enterprise and the member unit, the intelligent fund transfer, the internal interest calculation and the like, through cloud deployment, thereby greatly reducing the internal fund management difficulty of the enterprise, saving the management cost and improving the fund utilization rate.
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.
FIG. 1 is a first schematic diagram of the enterprise fund management system of the present invention;
FIG. 2 is a second schematic structural diagram of an enterprise fund management system according to the present invention;
FIG. 3 is a diagram illustrating the detailed structure of the rights management module in the enterprise fund management system according to the present invention;
FIG. 4 is a first flowchart illustrating a method for enterprise fund management according to the present invention;
FIG. 5 is a second flowchart illustrating a method for enterprise fund management according to the present invention;
fig. 6 is a schematic flow chart of step S500 in the enterprise fund management method of the present invention.
Detailed Description
In order to make the objects, technical solutions and advantages of the present invention more apparent, the present invention is described in further detail below with reference to specific embodiments and the accompanying drawings.
It is to be noted that technical terms or scientific terms used in the embodiments of the present invention should have the ordinary meanings as understood by those having ordinary skill in the art to which the present disclosure belongs, unless otherwise defined. The use of "first," "second," and similar terms in this disclosure is not intended to indicate any order, quantity, or importance, but rather is used to distinguish one element from another. The word "comprising" or "comprises", and the like, means that the element or item listed before the word covers the element or item listed after the word and its equivalents, but does not exclude other elements or items. The terms "connected" or "coupled" and the like are not restricted to physical or mechanical connections, but may include electrical connections, whether direct or indirect. "upper", "lower", "left", "right", and the like are used merely to indicate relative positional relationships, and when the absolute position of the object being described is changed, the relative positional relationships may also be changed accordingly.
As a preferred embodiment of the present invention, the present invention provides an enterprise fund management system, comprising:
and the multiple virtual-real fund account system module is used for opening and hanging at least one sub-account in the same account of the enterprise according to the dimension requirements of funds with different properties. The dimension requirements comprise classification accounting requirements, different department requirements, different subsidiary company requirements and different purposes, the subsidiary accounts comprise virtual accounts and entity accounts, the virtual accounts are bank entity accounts which do not need to be held before a counter, and the entity accounts are bank entity accounts which need to be held at bank outlets;
the fund flow management module is used for expanding and designing diversified fund pools based on the multiple virtual and real fund account system module;
the unified management module is used for carrying out unified management on the accounts and the sub-accounts in the multiple virtual and real fund account system module;
the multi-channel integration module is used for directly connecting and butting financial systems of the enterprises based on a plurality of channels; wherein, the channel comprises an enterprise online bank and a bank-enterprise direct connection system.
The invention also provides an enterprise fund management method, which comprises the following steps:
and opening and hanging at least one sub-account in the same account of the enterprise according to the dimension requirements of funds with different properties. The dimension requirements comprise classification accounting requirements, different department requirements, different subsidiary company requirements and different purposes, the subsidiary accounts comprise virtual accounts and entity accounts, the virtual accounts are bank entity accounts which do not need to be held before a counter, and the entity accounts are bank entity accounts which need to be held at bank outlets;
expanding and designing a diversified fund pool based on the settlement account and the sub-account;
uniformly managing the settlement accounts and the sub-accounts;
directly connecting and butting financial systems of the enterprises based on various channels; wherein, the channel comprises an enterprise online bank and a bank-enterprise direct connection system.
Through the enterprise fund management system and the method, a set of virtual-real combined multiple fund account system management system is designed by arranging multiple virtual-real fund account system modules, and through a fund flow management module, a unified management module and a multi-channel integration module which are associated with the multiple virtual-real fund account system modules, the enterprise fund management system is deployed through a cloud end, integrates enterprise online banking and gets through an enterprise financial system, so that corporate enterprises and chained enterprises can be managed conveniently, quickly and effectively, such as unified view of funds of the enterprises and member units, intelligent fund allocation, internal interest calculation and the like, the internal fund management difficulty of the enterprises is greatly reduced, the management cost is saved, and the fund utilization rate is improved.
The preferred embodiments of the enterprise fund management system and method of the present invention are described below with reference to the accompanying drawings.
Referring to fig. 1, the enterprise fund management system includes:
the multiple virtual and real fund account system module 100 is configured to open and hang at least one sub-account in the same account of the enterprise according to the dimensional requirements of funds with different properties.
In the present embodiment, the enterprises refer to corporate enterprises and chain enterprises, and thus the dimension requirements in the multiple virtual and real fund account system module 100 include a classification accounting requirement, different department requirements of the enterprise, different subsidiary requirements of the enterprise, different purposes, and the like.
In this embodiment, the settlement account in the multiple virtual-real fund system module 100 is a first-tier account, the sub-account is a second-tier account and is additionally hung with a sub-account, the sub-account belonging to the second-tier account can be continuously additionally hung with a sub-account belonging to a third-tier account, that is, the sub-account can be additionally hung with a third-tier sub-account according to the dimension requirement.
It should be noted that the sub-accounts include a virtual account and an entity account, preferably, the entity account is a bank entity account opened by an enterprise to a bank outlet, and the entity account is a general account settling account, a special account, or the like. The virtual account refers to an account which is opened by a customer in a self-defined manner in an account fund management system without cabinet facing and is also called a standing account.
It is to be understood that the settlement account is one of the entity accounts in the enterprise fund management system of the present invention, and is used for general money transfer and the like.
The fund flow management module 200 is used for expanding and designing diversified fund pools based on the multiple virtual and real fund account system module 100.
Specifically, the fund pool comprises:
a common capital pool: based on the fund pool mode set by the multiple virtual and real fund account system module 100, the method is specifically directed to the situation that the account structure is that the collection account of the upper-level parent company is an entity account, the collection account of the lower-hanging subsidiary company is also an entity account, and meanwhile, an internal interest-bearing virtual account is opened for calculating interest. The common fund pool aims to provide fund management service that enterprise customers can centrally manage and uniformly allocate account balances of internal member units, namely, the functions of centralized fund management, allocation, pricing, query and the like of the member units are completed.
Committing and lending fund pools: based on the fund pool mode set by the multiple virtual-real fund account system module 100, the case that the accounts of the enterprise company and the lower-level company of the enterprise are all entity accounts is specifically pointed out, and the two-level accounts are generally used. The purpose of the loan fund pool is to realize that in the internal fund management of a group, the account fund of an enterprise member client (or a subordinate) is collected to the account of a group member borrower in the form of loan authorization.
Cross-border capital pool: based on the fund pool mode set by the multiple virtual and real fund Account system module 100, the case in which the superior company Account or the sub-company Account is a Non-resource Account (NRA) Account is specifically targeted. The cross-border fund pool aims to support cross-border fund vacancy reconciliation and collection services developed between non-financial member enterprises inside and outside a country according to self operation and management needs of a cross-country enterprise group and comprehensively support the centralized operation management and daily payment requirements of a client on foreign currency funds. The main functions of the cross-border fund pool are as follows: support the client to inquire the information of the cross-border fund pool at the portal, set the collection and transfer-down strategy and the relationship of the cross-border pool, maintain the internal pricing of the cross-border pool, develop the collection and transfer-down service, the channel transfer service and the centralized collection and payment service,
virtual fund pool (may also be referred to as paired ledger): based on the fund pool mode set by the multiple virtual and real fund account system module 100, the method is particularly directed to the situation that under one current entity account, an enterprise opens and hangs one or more virtual accounts according to internal management needs, and can hang the virtual accounts in multiple stages. The virtual fund pool aims to support group enterprises and member units thereof, and fund management can be carried out in a standing book registration mode under the condition that account balance is not changed. The enterprise customer establishes multi-level virtual accounts individually or in batch according to the capital management requirement of the enterprise customer, each level of virtual accounts can correspond to the subordinate department, organization and group, and the enterprise customer supports individual account accounting and accounting. The module has the main functions of: opening a capital pool, setting parameters, canceling the capital pool, inquiring balance, inquiring details, inquiring historical balance, clearing, transferring payment accounts, transferring accounts internally, transferring accounts and the like.
The unified management module 300 is configured to perform unified management on the accounts and sub-accounts in the multiple virtual and actual fund account system module 100, that is, perform unified query and management on information, fund and transaction of all accounts in terms of enterprises and enterprise member units, including account information management, balance query, transaction detail query and common payee management.
A multi-channel integration module 400 for directly docking financial systems of an enterprise based on a plurality of channels; the channel comprises an enterprise online bank and bank-enterprise direct connection system, fund transfer can be realized by one system and one set of users, and the method is convenient and quick. The enterprise user uses the enterprise internet bank to realize page integration through unified user single sign-on, namely, the user logs in the enterprise internet bank to realize login and use of the enterprise fund management system of the invention without additional registration and opening, and integrates the mutual fund platform, the bank-enterprise direct connection, the core system and the like in an interface mode. The integration of the financial software with the cooperative enterprises is indirectly communicated through direct connection and butt joint of the bank and the enterprise.
In the enterprise fund management system, a set of virtual-real combined multiple fund account system management system is designed by arranging multiple virtual-real fund account system modules 100, and the enterprise fund management system is integrated by cloud deployment through a fund flow management module 200, a unified management module 300 and a multi-channel integration module 400 which are associated with the multiple virtual-real fund account system modules 100, so that corporate online banking and enterprise financial system communication are realized, corporate enterprises and chained enterprises can conveniently, quickly and effectively manage corporate and member unit funds, such as unified view of the corporate and member unit funds, intelligent fund transfer, internal interest calculation and the like, the internal fund management difficulty of the enterprises is greatly reduced, the management cost is saved, and the fund utilization rate is improved.
Referring to fig. 2, the enterprise fund management system further includes:
the authority management module 500 is used for setting functional authority for the settlement account and the sub-account; the function authority comprises an account management authority, a fund transfer authority and the like.
In the authority management module 500, an enterprise client can set account management authority, fund transfer authority, and the like according to its own management requirements. Meanwhile, each enterprise client is supported to self-define and maintain a set of management system of users, roles and authorities according to the management requirements of the enterprise client. After the enterprise opens the account fund system function, the enterprise can use the role of the enterprise online bank administrator to enter the setting of the authority management menu.
Referring to fig. 3, in the present embodiment, the right management module 500 specifically includes:
a role setting unit 510, configured to set roles for the account settling party and the sub-account; the roles include a handling role and a rechecking role, and correspondingly, after the enterprise client uses the enterprise online bank administrator authority to enter the enterprise fund management system, the roles can be set, such as the handling role and the rechecking role.
The role authority allocating unit 520 is configured to set a corresponding function authority for the set role, and correspondingly, for example, the enterprise client may set a fund pool query function, a transfer function, and the like for the handling role.
The role assigning unit 530 is configured to assign a role to the enterprise, and accordingly, each enterprise user may register a plurality of users, and the enterprise administrator assigns a corresponding role to each registered user, for example, assigns a handling role to the user "zhang san".
Referring to fig. 4, the method for enterprise fund management includes the following steps:
and S100, opening and hanging at least one sub-account in the same account of the enterprise according to the dimensional requirements of funds with different properties.
In the present embodiment, the enterprises refer to a corporate type enterprise and a chain type enterprise, and thus the dimension requirements in step S100 include a classification accounting requirement, different department requirements of the enterprise, different subsidiary requirements of the enterprise, different purposes, and the like.
In this embodiment, in step S100, the settlement account is a first-tier account, the sub-account is a second-tier account and is additionally hung with a sub-account, and the sub-account belonging to the second-tier account can be continuously additionally hung with a sub-account belonging to a third-tier account, that is, the sub-account can be additionally hung with a third-tier sub-account according to the dimension requirement again.
It should be noted that the sub-accounts include a virtual account and an entity account, preferably, the entity account is a bank entity account opened by an enterprise to a bank outlet, and the entity account has a general account settling account, a special account, and the like. The virtual account refers to an account which is opened by a customer in a self-defined manner in an account fund management method without cabinet facing and is also called a standing account.
It is understood that the settlement account is one of the entity accounts in the enterprise fund management method of the present invention, and is used for general money transfer and other operations.
And S200, expanding and designing diversified fund pools based on the settlement accounts and the sub-accounts.
Specifically, the fund pool comprises:
a common capital pool: based on the fund pool mode set in step S100, the specific case is that the account structure is that the collection account of the upper parent company is an entity account, the collection account of the lower subsidiary company is also an entity account, and an internal interest-bearing virtual account is opened for interest calculation. The common fund pool aims to provide fund management service that enterprise customers can centrally manage and uniformly allocate account balances of internal member units, namely, the functions of centralized fund management, allocation, pricing, query and the like of the member units are completed.
Committing and lending fund pools: based on the fund pool mode set in step S100, the specific case is that the accounts of the enterprise company and the lower-level company are all entity accounts, and generally, the accounts are two-level accounts. The purpose of the loan fund pool is to realize that in the internal fund management of a group, the account fund of an enterprise member client (or a subordinate) is collected to the account of a group member borrower in the form of loan authorization.
Cross-border capital pool: based on the fund pool mode set in step S100, a case in which the superior company Account or the subsidiary Account is a Non-resource Account (NRA) Account is specifically addressed. The cross-border fund pool aims to support cross-border fund vacancy reconciliation and collection services developed between non-financial member enterprises inside and outside a country according to self operation and management needs of a cross-country enterprise group and comprehensively support the centralized operation management and daily payment requirements of a client on foreign currency funds. The main functions of the cross-border fund pool are as follows: support the client to inquire the information of the cross-border fund pool at the portal, set the collection and transfer-down strategy and the relationship of the cross-border pool, maintain the internal pricing of the cross-border pool, develop the collection and transfer-down service, the channel transfer service and the centralized collection and payment service,
virtual fund pool (may also be referred to as paired ledger): based on the fund pool mode set in step S100, the specific case is that under one current entity account, the enterprise opens and hangs one or more virtual accounts according to internal management needs, and can hang the accounts in multiple stages. The virtual fund pool aims to support group enterprises and member units thereof, and fund management can be carried out in a standing book registration mode under the condition that account balance is not changed. The enterprise customer establishes multi-level virtual accounts individually or in batch according to the capital management requirement of the enterprise customer, each level of virtual accounts can correspond to the subordinate department, organization and group, and the enterprise customer supports individual account accounting and accounting. The module has the main functions of: opening a capital pool, setting parameters, canceling the capital pool, inquiring balance, inquiring details, inquiring historical balance, clearing, transferring payment accounts, transferring accounts internally, transferring accounts and the like.
S300, uniformly managing the accounts and the sub-accounts in the step S100, namely uniformly inquiring and managing the information, funds and transactions of all accounts under the enterprise and enterprise member unit items, wherein the information, funds and transactions comprise account information management, balance inquiry, transaction detail inquiry and common payee management.
S400, directly connecting and butting financial methods of enterprises based on various channels; the channel comprises an enterprise online bank and bank-enterprise direct connection method, and fund transfer can be realized by one method and one set of users, so that the method is convenient and quick. The enterprise user uses the enterprise internet bank to realize page integration through unified user single sign-on, namely, the user logs in the enterprise internet bank to realize login and use the enterprise fund management method of the invention without additional registration and opening, and integrates the mutual fund platform, the bank-enterprise direct connection method, the core method and the like in an interface mode. The integration of the financial software with the cooperative enterprises is indirectly communicated through direct connection and butt joint of the bank and the enterprise.
In the enterprise fund management method, a set of virtual-real combined multiple fund account system management method is designed through the step S100, and the step S200, the step S300 and the step S400 which are associated with the step S100 enable the enterprise fund management method to integrate enterprise online banking and get through enterprise financial methods through cloud deployment, so that corporate enterprises and chained enterprises can conveniently, quickly and effectively manage corporate and member unit funds, such as unified view of the funds of the enterprises and the member units, intelligent fund transfer, internal interest arrangement and the like, the internal fund management difficulty of the enterprises is greatly reduced, the management cost is saved, and the fund utilization rate is improved.
Referring to fig. 5, the method for enterprise fund management further includes:
s500, setting functional authority for the account user and the sub-account; the function authority comprises an account management authority, a fund transfer authority and the like.
In step S500, the enterprise client may set account management authority, fund transfer authority, and the like according to its own management requirement. Meanwhile, each enterprise client is supported to self-define and maintain a set of management system of users, roles and authorities according to the management requirements of the enterprise client. After the enterprise opens the account fund method function, the enterprise can use the role of the enterprise online bank administrator to enter the setting of the authority management menu.
Referring to fig. 6, in the present embodiment, the step S500 specifically includes the following steps:
s510, setting roles for the account settling account and the sub-account; the roles include a handling role and a rechecking role, and correspondingly, after the enterprise client uses the enterprise online bank administrator authority to enter the enterprise fund management method, the roles can be set, such as the handling role and the rechecking role.
And S520, setting corresponding function permissions for the roles set in the step S510, wherein correspondingly, for example, the enterprise client may set a fund pool query function, a transfer function and the like for the handling role.
And S530, allocating roles to the enterprises, wherein correspondingly, each enterprise user can register a plurality of users, and the enterprise administrator endows each registered user with a corresponding role, such as endowing the user with Zhang three to a handling role.
The above-described embodiments of the apparatus are merely illustrative, and the units described as separate parts may or may not be physically separate, and parts displayed as units may or may not be physical units, may be located in one place, or may be distributed on a plurality of network units. Some or all of the modules may be selected according to actual needs to achieve the purpose of the solution of the present embodiment. One of ordinary skill in the art can understand and implement it without inventive effort.
Through the above description of the embodiments, those skilled in the art will clearly understand that each embodiment can be implemented by software plus a necessary general hardware platform, and certainly can also be implemented by hardware. With this understanding in mind, the above-described technical solutions may be embodied in the form of a software product, which can be stored in a computer-readable storage medium, such as ROM/RM, magnetic disk, optical disk, etc., and includes instructions for causing a computer device (which may be a personal computer, a server, or a network device, etc.) to execute the methods described in the embodiments or some parts of the embodiments.
Finally, it should be noted that: the above examples are only intended to illustrate the technical solution of the present invention, but not to limit it; although the present invention has been described in detail with reference to the foregoing embodiments, it will be understood by those of ordinary skill in the art that: the technical solutions described in the foregoing embodiments may still be modified, or some technical features may be equivalently replaced; and such modifications or substitutions do not depart from the spirit and scope of the corresponding technical solutions of the embodiments of the present invention.
Claims (10)
1. An enterprise funds management system, comprising:
the multiple virtual and real fund account system module (100) is used for opening and hanging at least one sub-account under the same account settlement of an enterprise according to the dimensional requirements of funds with different properties; the dimension requirements comprise classification accounting requirements, different department requirements, different subsidiary company requirements and different purposes, the subsidiary accounts comprise virtual accounts and entity accounts, the virtual accounts are bank entity accounts which do not need to be held before a counter, and the entity accounts are bank entity accounts which need to be held at bank outlets;
a fund flow management module (200) for expanding a design-diversified fund pool based on the multiple virtual-real fund account system module (100);
the unified management module (300) is used for carrying out unified management on the settlement accounts and the sub-accounts in the multiple virtual and real fund account system module (100);
a multi-channel integration module (400) for directly interfacing financial systems of the enterprise based on a plurality of channels; wherein, the channel comprises an enterprise online bank and a bank-enterprise direct connection system.
2. The system of claim 1, wherein the account in the multiple virtual-real fund system module (100) is a first-tier account, and the sub-account is a second-tier account.
3. The enterprise funds management system of claim 2, wherein a sub-account belonging to the second tier of accounts is under-ridden with a sub-account belonging to a third tier of accounts.
4. The enterprise funds management system of claim 1, wherein the fund pool comprises:
the common fund pool is used for providing fund management service for centralized management and unified allocation of account balances of internal member units by enterprises;
the client loan fund pool is used for collecting the account fund of the enterprise member client into the account of the enterprise member borrower in the form of client loan in the enterprise fund management;
the cross-border fund pool is used for supporting cross-border fund vacancy dispensing and collecting services which are developed among non-financial member enterprises inside and outside a country according to self operation and management requirements of cross-country enterprises, and comprehensively supporting the centralized operation management and daily payment requirements of clients on foreign currency funds;
and the virtual fund pool is used for carrying out fund management in a standing book registration mode under the condition that the balance of the account of the enterprise and the member units thereof is not changed.
5. The enterprise fund management system according to claim 4, wherein the common fund pool is a fund pool mode set based on the multiple virtual-real fund account system module (100), and specifically aims at the condition that the account structure is that the collection account of the upper level parent company is an entity account, the lower level subsidiary company is a collection account of an entity account, and an internal interest-bearing virtual account is opened for interest calculation;
the principal loan fund pool is a fund pool mode set based on a multiple virtual and real fund account system module (100), and is specifically directed to the condition that accounts of a group company and subordinate companies are all entity accounts;
the cross-border fund pool is a fund pool mode set based on a multi-virtual-real fund account system module (100), and is specifically used for the condition that a superior company account or a subsidiary company account is an oversea account or an offshore account;
the virtual fund pool is a fund pool mode set based on a multi-virtual-real fund account system module (100), and particularly aims at the condition that an enterprise opens and hangs one or more virtual accounts according to internal management requirements under one current entity account.
6. The enterprise fund management system of claim 5, wherein the cross-border fund pool supports clients to perform information query on the cross-border fund pool at a portal, set collection and transfer policies and relationships of the cross-border pool, maintain internal pricing of the cross-border pool, and perform collection and transfer services, channel transfer services and centralized collection and transfer services.
7. The enterprise fund management system of claim 5, wherein the virtual fund pool supports fund pool opening, parameter setting, fund pool deregistration, balance inquiry, detail inquiry, historical balance, credit clearing, payment transfer, internal transfer, and reconciliation.
8. The enterprise funds management system of claim 1, further comprising:
the authority management module (500) is used for setting functional authority for the settlement account and the sub-account; the function authority comprises an account management authority and a fund transfer authority.
9. The enterprise fund management system of claim 8, wherein the rights management module (500) comprises in particular:
a role setting unit (510) for setting roles for the account settling party and the sub-account; wherein the roles comprise a handling role and a reviewing role;
a role authority distributing unit (520) for setting corresponding function authority for the set role;
a role assignment unit (530) for assigning roles to the enterprise.
10. A method of enterprise funds management implemented in accordance with the enterprise funds management system of any of claims 1-9, comprising the steps of:
opening and hanging at least one sub-account in the same account of the enterprise according to the dimension requirements of funds with different properties; the dimension requirements comprise classification accounting requirements, different department requirements, different subsidiary company requirements and different purposes, the subsidiary accounts comprise virtual accounts and entity accounts, the virtual accounts are bank entity accounts which do not need to be held before a counter, and the entity accounts are bank entity accounts which need to be held at bank outlets;
expanding and designing a diversified fund pool based on the settlement account and the sub-account;
uniformly managing the settlement accounts and the sub-accounts;
directly connecting and butting financial systems of the enterprises based on various channels; wherein, the channel comprises an enterprise online bank and a bank-enterprise direct connection system.
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