CN114187091A

CN114187091A - Cash flow determining method, apparatus, device and storage medium

Info

Publication number: CN114187091A
Application number: CN202111498511.7A
Authority: CN
Inventors: 赵彭川; 张玉龙
Original assignee: China Construction Bank Corp
Current assignee: China Construction Bank Corp
Priority date: 2021-12-09
Filing date: 2021-12-09
Publication date: 2022-03-15

Abstract

The embodiment of the invention relates to the technical field of intelligent finance, in particular to a cash flow determination method, a cash flow determination device, cash flow determination equipment and a cash flow determination storage medium. The method comprises the following steps: constructing a cash flow financial instrument table in a massively parallel processing database based on the market table in the first database; determining cash flow corresponding to a target account according to a cash flow financial instrument table in the large-scale parallel processing database; and sending the cash flow to the terminal equipment corresponding to the target account. The embodiment of the invention changes the splitting logic of the cash flow from circular calculation into batch calculation of the associated dimension table based on the characteristics of the splitting logic of the cash flow of the bank and column storage of the MPP database, thereby obviously improving the calculation efficiency of the cash flow engine.

Description

Cash flow determining method, apparatus, device and storage medium

Technical Field

The embodiment of the invention relates to the technical field of intelligent finance, in particular to a cash flow determination method, a cash flow determination device, cash flow determination equipment and a cash flow determination storage medium.

Background

The cash flow engine needs to process a detail level basic cash flow result set based on a stroke-by-stroke service, and generates a cash flow gap analysis report for liquidity risk management. The splitting rules of cash flow are complex and various, and have various rules of equal-amount principal fund, equal-amount principal interest, payment for one due time, payment for each due time, no due date, payment plan and the like.

The bank account data volume needing cash flow splitting is large, a circulation Processing mode is also used in many cash flow splitting logics, and the calculation efficiency of cash flow splitting is very low due to the circulation Processing under the scene based on an MPP (Massively Parallel Processing) database.

Disclosure of Invention

In view of this, the present invention provides a cash flow determination method, device, apparatus, and storage medium, which solve the problem of very low computational efficiency of cash flow splitting caused by using cyclic processing in a scenario based on an MPP database, and significantly improve the operation efficiency.

In a first aspect, an embodiment of the present invention provides a cash flow determining method, where the method includes:

constructing a cash flow financial instrument table in a massively parallel processing database based on the market table in the first database;

determining cash flow corresponding to a target account according to a cash flow financial instrument table in the large-scale parallel processing database;

and sending the cash flow to the terminal equipment corresponding to the target account.

In a second aspect, an embodiment of the present invention further provides a cash flow determining apparatus, where the apparatus includes:

the construction module is used for constructing a cash flow financial instrument table in the massively parallel processing database on the basis of the market table in the first database;

the first determining module is used for determining cash flow corresponding to the target account according to the cash flow financial instrument table in the massively parallel processing database;

and the sending module is used for sending the cash flow to the terminal equipment corresponding to the target account.

In a third aspect, an embodiment of the present invention further provides an electronic device, including: one or more processors; a memory for storing one or more programs; when executed by the one or more processors, cause the one or more processors to implement a cash flow determination method as in any one of the embodiments described above.

In a fourth aspect, the present invention further provides a computer-readable storage medium, on which a computer program is stored, where the computer program is executed by a processor to implement the cash flow determination method according to any one of the above embodiments.

In a fifth aspect, an embodiment of the present invention further provides a computer program product, which includes a computer program, and when the computer program is executed by a processor, the computer program implements the cash flow determination method provided according to the embodiment of the present invention.

According to the embodiment of the invention, the cash flow financial instrument table is constructed in the large-scale parallel analysis database based on the market table in the first database, the cash flow corresponding to the target account is determined according to the cash flow financial instrument table, and the cash flow is sent to the terminal equipment corresponding to the target account, so that the problem of very low calculating efficiency of cash flow splitting caused by using cyclic processing in a scene based on the MPP database is solved, and the calculating efficiency of the cash flow is obviously improved.

Drawings

Fig. 1 is a flowchart of a cash flow determination method according to an embodiment of the present invention;

fig. 2 is a flowchart of a cash flow determining method for a splitting manner of equal amount of interest according to an embodiment of the present invention;

FIG. 3 is a schematic structural diagram of a cash flow determination apparatus according to a second embodiment of the present invention;

fig. 4 is a schematic structural diagram of an electronic device according to a third embodiment of the present invention.

Detailed Description

The present invention will be described in further detail with reference to the accompanying drawings and examples. It is to be understood that the specific embodiments described herein are merely illustrative of the invention and are not limiting of the invention. It should be further noted that, for the convenience of description, only some of the structures related to the present invention are shown in the drawings, not all of the structures. In addition, the embodiments and features of the embodiments in the present invention may be combined with each other without conflict.

Before discussing exemplary embodiments in more detail, it should be noted that some exemplary embodiments are described as processes or methods depicted as flowcharts. Although a flowchart may describe the operations (or steps) as a sequential process, many of the operations can be performed in parallel, concurrently or simultaneously. In addition, the order of the operations may be re-arranged. The process may be terminated when its operations are completed, but may have additional steps not included in the figure. The processes may correspond to methods, functions, procedures, subroutines, and the like. In addition, the embodiments and features of the embodiments in the present invention may be combined with each other without conflict.

The term "include" and variations thereof as used herein are intended to be open-ended, i.e., "including but not limited to". The term "based on" is "based, at least in part, on". The term "one embodiment" means "at least one embodiment".

It should be noted that: like reference numbers and letters refer to like items in the following figures, and thus, once an item is defined in one figure, it need not be further defined and explained in subsequent figures. Meanwhile, in the description of the present invention, the terms "first", "second", and the like are used only for distinguishing the description, and are not to be construed as indicating or implying relative importance.

The technical scheme related by the application can be used for acquiring, storing and/or processing the data, and the data can meet the relevant regulations of national laws and regulations.

Example one

Fig. 1 is a flowchart of a cash flow determination method according to an embodiment of the present invention, where this embodiment is applicable to a cash flow determination situation, and the method may be executed by a cash flow determination apparatus according to an embodiment of the present invention, where the apparatus may be implemented in a software and/or hardware manner, as shown in fig. 1, the method specifically includes the following steps:

s101, constructing a cash flow financial tool table in a massively parallel processing database based on the market table in the first database.

In this embodiment, the first database may be any database in which a listing table is stored. The mart table can be a table generated by related data to meet the needs of specific departments or users of banks, and is small in scale and convenient to access, analyze and query quickly.

It should be explained that the massively parallel processing database refers to an MPP database, which is a parallel processing database capable of solving problems by using a large number of processing units, and has not only an extremely high operation speed but also a high cost performance.

Note that cash flow refers to the amount of cash flow in and out of a bank over a certain period of time. The cash flow financial instrument table refers to a table which is processed in a massively parallel processing database by accessing cash flow related data from a mart table in a first database.

Specifically, a cash flow financial instrument table is constructed in the massively parallel processing database based on the relevant data of cash flow in the fair table in the first database.

And S102, determining the cash flow corresponding to the target account according to the cash flow financial instrument table in the large-scale parallel processing database.

In this embodiment, the target account refers to an account that needs to perform cash flow calculation.

Specifically, the cash flow corresponding to the target account is determined according to the cash flow financial instrument table constructed in the massively parallel processing database.

And S103, sending the cash flow to the terminal equipment corresponding to the target account.

Illustratively, the terminal device may be a client corresponding to the target account, and the like.

Specifically, after the cash flow corresponding to the target account is determined according to the cash flow financial instrument table in the large-scale parallel analysis database, the cash flow is sent to the terminal equipment corresponding to the target account for cash flow calculation.

Optionally, determining the cash flow corresponding to the target account according to the cash flow financial instrument table in the massively parallel processing database includes:

and determining the total fund return period, the period of each cash flow, the initial balance, the interest calculation mode, the payment day and the re-pricing day corresponding to the target account according to the cash flow financial instrument table in the large-scale parallel processing database.

The total payback period of principal refers to the total loan period corresponding to the target account, that is, the payback period of principal for which the target account needs to pay a fixed amount. The term of each cash flow refers to the repayment term of the principal for repaying the fixed amount of money for each cash flow corresponding to the target account. The initial balance refers to the amount of money that should be redeemed initially for the target account.

It should be explained that the interest-bearing mode refers to a mode of calculating interest corresponding to the target account. The payment date refers to the payment date corresponding to the target account. The re-pricing date refers to the date of the corresponding re-pricing rate price of the target account when the interest rate type is the floating interest rate.

Specifically, the cash flow financial instrument table in the massively parallel processing database comprises cash flow calculation related data, and the total fund return period, the period of each cash flow, the initial balance, the interest calculation mode, the payment date and the re-pricing date corresponding to the target account are determined according to the cash flow financial instrument table in the massively parallel processing database.

And determining the actual interest rate according to the interest mode and the payment day, or determining the actual interest rate according to the interest mode and the re-pricing day.

It should be explained that the actual interest rate refers to the actual interest rate of the target account in return for interest based on the actual term.

Specifically, the manner of determining the actual interest rate may be divided into two manners, and the actual interest rate is determined according to the interest bearing manner and the payment day, or the actual interest rate is determined according to the interest bearing manner and the re-pricing day.

And determining the cash flow corresponding to the target account according to the actual interest rate, the initial balance and the total payback period of the principal.

Specifically, after the actual interest rate is determined, the cash flow corresponding to the target account is determined according to the actual interest rate, the initial balance and the total payback period of the principal.

Optionally, determining the total fund withdrawal period and the period of each cash flow corresponding to the target account according to the cash flow financial instrument table in the massively parallel processing database, including:

and determining the due date, the interest-bearing date, the data date and the payment frequency corresponding to the target account according to the cash flow financial instrument table in the large-scale parallel processing database.

It should be noted that the due date refers to the date when the target account loan expires and the cash flow transaction is stopped. The day of origin refers to the date when interest in the target account cash flow transaction begins to be calculated. The date of the data refers to the specific date on which interest in the cash flow transaction for the target account is currently calculated. The frequency of payment refers to the frequency with which the target account pays the cash repayment loan.

Specifically, the due date, the rest date, the data date and the payment frequency of the cash flow corresponding to the target account are determined according to the cash flow financial instrument table in the massively parallel processing database.

And determining the total fund payment sum and return period number corresponding to the target account according to the due date, the interest-bearing date and the payment frequency corresponding to the target account.

Specifically, the total fund withdrawal period number corresponding to the target account is determined according to the due date, the interest-bearing date and the payment frequency corresponding to the target account. The splitting rule of cash flow is complex and various, taking the equal-amount interest splitting mode as an example, the total payback period of the principal may be calculated by rounding up (due date-interest date)/payment frequency).

And determining the period number of each cash flow corresponding to the target account according to the data date, the interest-starting date and the payment frequency corresponding to the target account.

Specifically, the term number of each cash flow corresponding to the target account is determined according to the data date, the interest-starting date and the payment frequency corresponding to the target account. The splitting rules of cash flow are complex and various, and taking the equal-amount interest splitting mode as an example, the total payback period of the cash flow can be calculated by rounding up (data date-interest date)/payment frequency) the period of each cash flow.

Optionally, determining a payment day corresponding to the target account according to the cash flow financial instrument table in the massively parallel processing database includes:

and determining the payment day type corresponding to the target account according to the cash flow financial instrument table in the large-scale parallel processing database.

Note that the payment day type refers to a type of manner in which the target account pays cash. Taking the equal-amount original message splitting mode as an example, the payment day types are divided into two types, one type can be pushed from front to back, and the other type can be pushed from back to front.

Specifically, the payment day type corresponding to the target account is determined according to the cash flow financial instrument table in the massively parallel processing database.

And if the payment day type is the first type, determining the payment day corresponding to the target account according to the interest starting day and the payment frequency corresponding to the target account.

It should be noted that the first type refers to a payment day type pushed from front to back.

Specifically, if the payment day type is the first type, the payment day corresponding to the target account is determined according to the interest starting day and the payment frequency corresponding to the target account.

And if the payment day type is the second type, determining the payment day corresponding to the target account according to the due date, the total payback period number of the principal and the payment frequency corresponding to the target account.

It should be noted that the second type refers to a payment day type pushed from back to front.

Specifically, if the payment day type is the second type, the payment day corresponding to the target account is determined according to the due date, the total payback period number of the principal and the payment frequency corresponding to the target account.

Optionally, the payment day includes: the last payment day and the next payment day.

It should be explained that the last payment day refers to the last payment date of the target account, and the next payment day refers to the next payment date of the target account.

Correspondingly, the cash flow determination method further comprises the following steps:

and if the last payment date is earlier than the interest starting date corresponding to the target account, determining the interest starting date as the last payment date.

Specifically, if the last payment date of the target account is earlier than the interest starting date corresponding to the target account, the interest starting date is determined as the last payment date.

And if the due date corresponding to the target account is earlier than the next payment date, determining the due date as the next payment date.

Specifically, if the due date corresponding to the target account is earlier than the next payment date of the target account, the due date is determined as the next payment date.

Optionally, determining a re-pricing date corresponding to the target account according to the cash flow financial instrument table in the massively parallel processing database, includes:

and determining the corresponding re-pricing frequency of the target account according to the cash flow financial instrument table in the massively parallel processing database.

It should be noted that the re-pricing frequency is a frequency of re-adjusting the interest rate of the loan when the interest rate type is a floating interest rate.

Specifically, the corresponding re-pricing frequency of the target account is determined according to the cash flow financial instrument table in the massively parallel processing database.

And determining a re-pricing day corresponding to the target account according to the interest-bearing day corresponding to the target account, the period number of each cash flow and the re-pricing frequency.

Specifically, the re-pricing date corresponding to the target account is determined according to the interest date corresponding to the target account, the period number of each cash flow and the re-pricing frequency.

Optionally, determining the actual interest rate according to the interest bearing mode and the payment day includes:

determining whether to renegotiate the expiration based on a cash flow financial instrument table in the massively parallel processing database.

It should be explained that the expiration of the re-pricing refers to the expiration of the re-pricing date, i.e. when the interest rate type is a floating interest rate, the previous re-pricing date expires, i.e. the interest rate will start to be rated on the new pricing date.

Specifically, whether the re-pricing date is due is determined according to cash flow financial instrument tables in the massively parallel processing database.

If not, determining the actual interest rate according to the interest-bearing mode, the last payment day and the next payment day.

Specifically, whether the re-pricing is due is determined according to a cash flow financial instrument table in the massively parallel processing database, and if the re-pricing is not due, the actual interest rate is determined according to the rest mode, the last payment day and the next payment day.

Optionally, the determining the actual interest rate according to the interest bearing mode and the re-pricing date comprises:

If yes, determining the actual interest rate according to the interest-bearing mode, the previous re-pricing day and the next re-pricing day.

It should be explained that the last re-pricing day refers to the date the interest rate price was last re-priced and the next re-pricing day refers to the date the interest rate price is to be re-priced next. The last and next re-pricing days are determined by the day of interest, the number of epochs per cash flow, and the re-pricing frequency in the cash flow financial instrument table in the massively parallel processing database.

Specifically, whether the re-pricing is due is determined according to a cash flow financial instrument table in the massively parallel processing database, and if the re-pricing is due, the actual interest rate is determined according to the interest mode, the last re-pricing day and the next re-pricing day.

Optionally, the cash flow corresponding to the target account includes: at least one of the payment amount per period corresponding to the target account, the payment principal per period corresponding to the target account, the payment interest per period corresponding to the target account and the current balance corresponding to the target account.

It should be noted that the repayment amount per term refers to the amount of the target account paid back per term, i.e. the cash flow of the target account. The payment principal of each period refers to the amount of each period of the payment amount of the target account minus the interest paid by each period. The interest paid in each period refers to the interest paid in the calculation mode of each period.

The current balance refers to the amount of money paid by the current remaining target account which needs to be paid by the target account.

Optionally, determining the cash flow corresponding to the target account according to the actual interest rate, the initial balance and the total payback period of the principal includes:

and determining the repayment principal and the repayment amount of each period corresponding to the target account according to the actual interest rate, the initial balance and the total amortization period number corresponding to the target account.

Specifically, the repayment principal and the repayment amount per period corresponding to the target account are determined according to the actual interest rate, the initial balance and the total amortization period number of the principal corresponding to the target account. Taking the equal-amount principal interest splitting manner as an example, the calculation manner of the repayment principal per period corresponding to the target account may be, initial balance, actual period interest rate (1+ actual period interest rate) ^ (current number of periods-1)/((1 + actual period interest rate) ^ total payback period number of the principal-1), and the calculation manner of the repayment amount per period corresponding to the target account may be, initial balance, actual period interest rate (1+ actual period interest rate) ^ total payback period number of the principal/((1 + actual period interest rate) ^ total payback period number of the principal-1).

And determining the interest of each period of payment corresponding to the target account according to the corresponding money of each period of payment and the corresponding amount of each period of payment of the target account.

Specifically, the money paid in each period corresponding to the target account and the money paid in each period are determined according to the money paid in each period corresponding to the target account and the money paid in each period. Taking the equal-amount principal payment splitting manner as an example, the calculation manner of the repayment interest per period corresponding to the target account may be that the repayment interest per period is the repayment amount per period-the repayment principal per period.

And determining the total loan amount corresponding to the target account according to the cash flow financial instrument table in the large-scale parallel processing database.

The total loan amount refers to the total amount of the loan in the target account.

Specifically, the total loan amount corresponding to the target account is determined according to the cash flow financial instrument table in the massively parallel processing database. Taking the equal-amount interest splitting manner as an example, the total loan amount corresponding to the target account may be calculated by the total loan amount being the repayment amount per period ((1+ actual interest rate) ^ total payback period number-1)/(actual interest rate ^ total payback period number (1+ actual interest rate) ^ total payback period number).

And determining the current balance corresponding to the target account according to the total loan amount, the actual interest rate and the total fund contribution and return period corresponding to the target account.

Specifically, the current balance corresponding to the target account is determined according to the total loan amount, the actual interest rate and the total payback period of the principal corresponding to the target account. Taking the equal-amount interest splitting manner as an example, the current balance corresponding to the target account may be calculated by total loan amount (1+ actual interest rate) ^ total fund repayment period number-repayment principal per period and repayment interest per period ((1+ actual interest rate) ^ current interest number)/actual interest rate.

Optionally, after constructing the cash flow financial instrument table in the massively parallel processing database based on the market table in the first database, the method further includes:

and if the interest calculation mode corresponding to the target account is not acquired in the market collecting table in the first database, acquiring the configuration information input by the user.

In this embodiment, the configuration information refers to parameters required for the calculation in the cash flow engine. The configuration information is entered by the user at the client.

Specifically, if the interest calculation mode corresponding to the target account is not obtained in the market table in the first database, the configuration information input by the user in the client is obtained.

And determining the interest-bearing mode corresponding to the target account according to the configuration information input by the user.

Specifically, configuration information input by a user in a client is transmitted to a server in a form of a message through a transmission mode of a hypertext Transfer Protocol (HTTP), the server calls an interface to receive data, and a charging mode corresponding to a target account is determined according to the configuration information input by the user.

And adding the interest calculation mode corresponding to the target account into a cash flow financial instrument table in the large-scale parallel processing database.

Specifically, after the interest calculation mode corresponding to the target account is determined according to the configuration information input by the user, the interest calculation mode corresponding to the target account is added to the cash flow financial instrument table in the large-scale parallel processing database.

Optionally, adding the interest bearing mode corresponding to the target account to the cash flow financial instrument table in the massively parallel processing database, including:

and determining an account identifier corresponding to the target account according to the configuration information.

For example, the account identifier may be identity information of a user corresponding to the target account.

Specifically, the account identifier corresponding to the target account is determined according to the configuration information input by the user.

And determining the target position according to the account identification.

It should be noted that the target location is a location where the interest bearing mode corresponding to the target account is stored in the cash flow financial instrument table in the massively parallel processing database.

Specifically, the target position of the target account in the cash flow financial instrument table in the massively parallel processing database is determined according to the account identification corresponding to the target account.

And adding the interest calculation mode corresponding to the target account to the target position of the cash flow financial instrument table in the large-scale parallel processing database.

Specifically, after the target position is determined, the interest-bearing mode corresponding to the target account is added to the target position of the cash flow financial instrument table in the massively parallel processing database.

As an exemplary description of the embodiment, fig. 2 is a flowchart of a cash flow determination method for a splitting manner of equal amount interest according to an embodiment of the present invention, and the cash flow determination method is analyzed and explained by using a splitting rule of equal amount interest.

The equal-amount intrinsic information splitting mode is as follows:

the principal and interest are calculated according to time, the repayment amount in each time is constant, and the proportion of the principal and the interest is changed along with the time. Wherein, the calculation formula of the repayment amount in each period is as follows:

wherein LoanAmt is the total loan amount, r is the actual interest rate, and N is the total payback period of principal.

The formula for repayment interest at each stage is as follows:

repayment of interest per term initial (last term end) loan balance r;

wherein r is the actual interest rate.

The calculation formula of the repayment principal at each period is as follows:

the repayment principal in each period is the repayment amount in each period-repayment interest in each period;

the calculation formula of cash flow is as follows:

cash flow is the repayment amount per period;

the calculation formula for the end loan balance is as follows:

the balance of the end loan is the total loan amount-the principal of repayment per term.

Another mathematical derivation way of cash flow splitting is as follows, assuming that the actual interest rate is r, the total payback period number of principal is N, and the current period number is k, then the calculation formulas of principal payment per period and interest payment per period are as follows:

repayment principal and interest in each period are initial balance r (1+ r) ^ N/((1+ r) ^ N-1);

wherein r is the actual interest rate, and N is the total payback period of principal.

repayment per period ═ initial balance ^ r (1+ r) ^ (k-1))/((1+ r) ^ N-1);

wherein r is the actual interest rate, N is the total payback period number of the principal, and k is the current period number.

The current balance is calculated as follows:

the current balance is the total loan sum (1+ r) lambert N-repayment principal per period and repayment interest per period ((1+ r) lambert N)/r;

As shown in fig. 2, the method specifically includes the following steps:

s201, constructing a cash flow financial instrument table in the MPP.

In the actual operation process, the client configures parameters required by cash flow calculation, the network layer transmits information configured by the client to the server in a message mode through a transmission mode of an HTTP (hyper text transport protocol), the server calls an interface to receive data, the server forms data into a market table and stores the market table in a first database, and a cash flow financial tool table is constructed in an MPP (maximum power point processor) (namely a large-scale parallel analysis database) based on the market table in the first database.

S202, labeling the cash flow financial instrument table.

Specifically, a splitting mode, an interest-bearing mode, a holiday type and a payment day type are marked by adopting a mode of splicing an FTP (File Transfer Protocol) with a dynamic SQL (Structured Query Language).

S203, calculating the total payback period of the principal and the period of each cash flow.

Specifically, the calculation formula of the total payback period number N of the principal is as follows:

n ═ rounding up ((due date-rest date)/frequency of payment);

the calculation formula of the period number i of each cash flow is as follows:

and i is rounded up ((data date-rest day)/payment frequency).

And S204, calculating a payment day and a re-pricing day.

Specifically, the payment days include a last payment day and a next payment day, and the re-pricing days include a last re-pricing day and a next re-pricing day.

When the re-pricing date is not due and the payment date is of the first type, the calculation formula of the last payment date is as follows:

the last payment day (rest day + (number k-1) × payment frequency;

wherein the number k is 1-9999.

When the re-pricing date is not due and the payment date is of the second type, the calculation formula of the last payment date is as follows:

the last payment day is due date- (total payback period of principal N-number k-1) payment frequency;

wherein N is the total payoff period of principal and the number k is 1-9999.

When the re-pricing date is not due and the payment date is of the first type, the calculation formula of the next payment date is as follows:

the next payment day is the rest day + number k payment frequency;

wherein the number k is 1-9999.

When the re-pricing date is not due and the payment date is of the second type, the calculation formula of the next payment date is as follows:

the next payment day is the rest day + (total payback period of principal N-number k) the payment frequency;

wherein N is the total payoff period of principal and the number k is 1-9999.

According to the above-mentioned method of calculating re-pricing, the last payment date is earlier than the rest date, and the due date is earlier than the next payment date, and the next payment date should be corrected.

If the last payment date is earlier than the rest starting date, determining the rest starting date as the last payment date; and if the due date is earlier than the next payment date, determining the due date as the next payment date.

The calculation formula of the last re-pricing day is as follows:

the last re-pricing day is the rest day + (the period number i-1 of each cash flow) and the re-pricing frequency;

where i is the number of periods per cash flow.

The calculation formula for the next re-pricing day is as follows:

the next revaluation day is the rest day + the number of periods per cash flow i the revaluation frequency

Where i is the number of periods per cash flow.

And S205, calculating the actual interest rate.

Specifically, when the re-pricing date is not due, the actual interest rate is determined according to the interest-bearing mode, the last payment date and the next payment date.

And S206, calculating the cash flow.

Specifically, when the re-pricing is not due, the amount of each period of payment, the principal of each period of payment, interest of each period of payment and the current balance are calculated.

The calculation formula of the repayment principal and the repayment interest of each period is as follows:

repayment per period ═ initial balance ^ r (1+ r) ^ (k-1))/((1+ r) ^ N-1);

The formula for repayment interest at each stage is as follows:

paying principal and money in each period;

the current balance is calculated as follows:

Example two

Fig. 3 is a schematic structural diagram of a cash flow determination apparatus according to a second embodiment of the present invention, where the apparatus is suitable for cash flow determination, and the apparatus may be implemented by hardware/software, and may be configured in a server to implement a cash flow determination method according to an embodiment of the present invention. As shown in fig. 3, the apparatus specifically includes: a building module 301, a first determining module 302 and a sending module 303.

The construction module 301 is configured to construct a cash flow financial instrument table in the massively parallel processing database based on the market table in the first database;

a first determining module 302, configured to determine a cash flow corresponding to a target account according to a cash flow financial instrument table in the massively parallel processing database;

a sending module 303, configured to send the cash flow to a terminal device corresponding to the target account.

Further, the first determining module 302 includes:

a first determining unit, configured to determine, according to the cash flow financial instrument table in the massively parallel processing database, a total fund return period, a period of each cash flow, an initial balance, an interest calculation manner, a payment day, and a re-pricing day corresponding to the target account;

the second determining unit is used for determining the actual interest rate according to the interest mode and the payment day, or determining the actual interest rate according to the interest mode and the re-pricing day;

and a third determining unit, configured to determine, according to the actual interest rate, the initial balance, and the total fund share and return period, a cash flow corresponding to the target account.

Further, when the first determining unit determines the total fund withdrawal period and the period of each cash flow corresponding to the target account according to the cash flow financial instrument table in the massively parallel processing database, the first determining unit includes:

the first determining subunit is used for determining a due date, a rest date, a data date and a payment frequency corresponding to the target account according to the cash flow financial instrument table in the massively parallel processing database;

the second determining subunit is used for determining the total fund payment sum term corresponding to the target account according to the due date, the interest starting date and the payment frequency corresponding to the target account;

and the third determining subunit is used for determining the period number of each cash flow corresponding to the target account according to the data date, the interest starting date and the payment frequency corresponding to the target account.

Further, the determining, by the first determining unit, the payment time of day corresponding to the target account according to the cash flow financial instrument table in the massively parallel processing database includes:

the fourth determining subunit is used for determining the payment day type corresponding to the target account according to the cash flow financial instrument table in the massively parallel processing database;

a fifth determining subunit, configured to determine, if the payment day type is the first type, a payment day corresponding to the target account according to the interest starting date and the payment frequency corresponding to the target account;

and the sixth determining subunit is configured to determine, if the payment day type is the second type, a payment day corresponding to the target account according to the due date, the total payback period number of the principal and the payment frequency corresponding to the target account.

Further, the payment day includes: the last payment day and the next payment day;

accordingly, the cash flow determination apparatus further includes:

the second determining module is used for determining the interest starting date as the last payment date if the last payment date is earlier than the interest starting date corresponding to the target account;

and the third determining module is used for determining the due date as the next payment date if the due date corresponding to the target account is earlier than the next payment date.

Further, the determining, by the first determining unit, a re-pricing time corresponding to the target account according to the cash flow financial instrument table in the massively parallel processing database includes:

a seventh determining subunit, configured to determine, according to the cash flow financial instrument table in the massively parallel processing database, a re-pricing frequency corresponding to the target account;

and the eighth determining subunit is used for determining the re-pricing date corresponding to the target account according to the interest-bearing date corresponding to the target account, the period number of each cash flow and the re-pricing frequency.

Further, the second determining unit, when determining the actual interest rate according to the interest bearing manner and the payment day, includes:

a ninth determining subunit, configured to determine whether a renegotiation expires according to a cash flow financial instrument table in the massively parallel processing database;

and the tenth determining subunit is used for determining the actual interest rate according to the interest calculation mode, the last payment day and the next payment day if the current interest rate is not the same as the current interest rate.

Further, the second determining unit, when determining the actual interest rate according to the interest bearing mode and the re-pricing day, includes:

an eleventh determining subunit, configured to determine whether a renegotiation expires according to a cash flow financial instrument table in the massively parallel processing database;

and the twelfth determining subunit is configured to determine, if yes, the actual interest rate according to the interest bearing mode, the last re-pricing day and the next re-pricing day.

Further, the cash flow corresponding to the target account includes: at least one of the payment amount per period corresponding to the target account, the payment principal per period corresponding to the target account, the payment interest per period corresponding to the target account and the current balance corresponding to the target account.

Further, the third determination unit includes:

a thirteenth determining subunit, configured to determine a payment fund per period and a payment amount per period corresponding to the target account according to the actual interest rate corresponding to the target account, the initial balance, and the total fund payment amount;

a fourteenth determining subunit, configured to determine a payment interest per period corresponding to the target account according to the payment principal per period and the payment amount per period corresponding to the target account;

a fifteenth determining subunit, configured to determine, according to the cash flow financial instrument table in the massively parallel processing database, a total loan amount corresponding to the target account;

and the sixteenth determining subunit is configured to determine the current balance corresponding to the target account according to the total loan amount, the actual interest rate, and the total payback period of the principal.

Further, the cash flow determination apparatus further includes:

the system comprises an acquisition module, a processing module and a display module, wherein the acquisition module is used for acquiring configuration information input by a user if an interest calculation mode corresponding to a target account is not acquired in a market table in a first database after a cash flow financial instrument table is constructed in a large-scale parallel processing database based on the market table in the first database;

the fourth determining module is used for determining the interest calculation mode corresponding to the target account according to the configuration information input by the user after a cash flow financial instrument table is constructed in the massively parallel processing database based on the market table in the first database;

and the adding module is used for adding the interest calculation mode corresponding to the target account into the cash flow financial instrument table in the massively parallel processing database after the cash flow financial instrument table is constructed in the massively parallel processing database based on the market table in the first database.

Further, the adding module comprises:

a fourth determining unit, configured to determine, according to the configuration information, an account identifier corresponding to the target account;

a fifth determining unit, configured to determine a target location according to the account identifier;

and the adding unit is used for adding the interest calculation mode corresponding to the target account to the target position of the cash flow financial instrument table in the massively parallel processing database.

The cash flow determining device can execute the cash flow determining method provided by any embodiment of the invention, and has corresponding functional modules and beneficial effects for executing the cash flow determining method.

EXAMPLE III

Fig. 4 is a schematic structural diagram of an electronic device according to a third embodiment of the present invention, as shown in fig. 4, the electronic device includes a processor 401, a memory 402, an input device 403, and an output device 404; the number of the processors 401 in the electronic device may be one or more, and one processor 401 is taken as an example in fig. 4; the processor 401, the memory 402, the input device 403 and the output device 404 in the electronic apparatus may be connected by a bus or other means, and the bus connection is exemplified in fig. 4.

The memory 402, which is a computer-readable storage medium, may be used to store software programs, computer-executable programs, and modules, such as program instructions/modules corresponding to the cash flow determination method in the embodiments of the present invention (e.g., the construction module 301, the first determination module 302, and the sending module 303 in the cash flow determination apparatus). The processor 401 executes various functional applications and data processing of the electronic device by running the software programs, instructions and modules stored in the memory 402, so as to implement the cash flow determination method provided by the above-mentioned embodiment of the present invention:

The memory 402 may mainly include a program storage area and a data storage area, wherein the program storage area may store an operating system, an application program required for at least one function; the storage data area may store data created according to the use of the terminal, and the like. Further, the memory 402 may include high speed random access memory, and may also include non-volatile memory, such as at least one magnetic disk storage device, flash memory device, or other non-volatile solid state storage device. In some examples, the memory 402 may further include memory located remotely from the processor 401, which may be connected to the device/terminal/server through a network. Examples of such networks include, but are not limited to, the internet, intranets, local area networks, mobile communication networks, and combinations thereof.

The input device 403 may be used to receive input numeric or character information and generate key signal inputs related to user settings and function control of the electronic apparatus. The output device 404 may include a display device such as a display screen.

Example four

The fourth embodiment of the present invention further provides a computer-readable storage medium, on which a computer program is stored, where the computer program, when executed by a processor, implements the cash flow determining method provided in the fourth embodiment of the present invention, where the method includes:

Computer storage media for embodiments of the invention may employ any combination of one or more computer-readable media. The computer readable medium may be a computer readable signal medium or a computer readable storage medium. A computer readable storage medium may be, for example, but not limited to, an electronic, magnetic, optical, electromagnetic, infrared, or semiconductor system, apparatus, or device, or any combination of the foregoing. More specific examples (a non-exhaustive list) of the computer readable storage medium would include the following: an electrical connection having one or more wires, a portable computer diskette, a hard disk, a Random Access Memory (RAM), a Read-Only Memory (ROM), an Erasable Programmable Read-Only Memory (EPROM or flash Memory), an optical fiber, a portable Compact Disc Read-Only Memory (CD-ROM), an optical storage device, a magnetic storage device, or any suitable combination of the foregoing. In the context of this document, a computer readable storage medium may be any tangible medium that can contain, or store a program for use by or in connection with an instruction execution system, apparatus, or device.

A computer readable signal medium may include a propagated data signal with computer readable program code embodied therein, for example, in baseband or as part of a carrier wave. Such a propagated data signal may take many forms, including, but not limited to, electro-magnetic, optical, or any suitable combination thereof. A computer readable signal medium may also be any computer readable medium that is not a computer readable storage medium and that can communicate, propagate, or transport a program for use by or in connection with an instruction execution system, apparatus, or device.

Program code embodied on a computer readable medium may be transmitted using any appropriate medium, including but not limited to wireless, wireline, optical fiber cable, RF, etc., or any suitable combination of the foregoing.

Computer program code for carrying out operations for aspects of the present invention may be written in any combination of one or more programming languages, including an object oriented programming language such as Java, Smalltalk, C + +, or the like, as well as conventional procedural programming languages, such as the "C" programming language or similar programming languages. The program code may execute entirely on the user's computer, partly on the user's computer, as a stand-alone software package, partly on the user's computer and partly on a remote computer or entirely on the remote computer or server. In the case of a remote computer, the remote computer may be connected to the user's computer through any type of network, including a Local Area Network (LAN) or a Wide Area Network (WAN), or the connection may be made to an external computer (for example, through the Internet using an Internet service provider).

An embodiment of the present invention further provides a computer program product, including a computer program, which when executed by a processor implements the cash flow determination method according to any embodiment of the present invention.

It is to be noted that the foregoing is only illustrative of the preferred embodiments of the present invention and the technical principles employed. It will be understood by those skilled in the art that the present invention is not limited to the particular embodiments described herein, but is capable of various obvious changes, rearrangements and substitutions as will now become apparent to those skilled in the art without departing from the scope of the invention. Therefore, although the present invention has been described in greater detail by the above embodiments, the present invention is not limited to the above embodiments, and may include other equivalent embodiments without departing from the spirit of the present invention, and the scope of the present invention is determined by the scope of the appended claims.

Claims

1. A cash flow determination method, comprising:

2. The method of claim 1, wherein determining a cash flow for a target account from a cash flow financial instrument form in the massively parallel processing database comprises:

determining the total fund return period, the period of each cash flow, the initial balance, the interest calculation mode, the payment day and the re-pricing day corresponding to the target account according to the cash flow financial instrument table in the large-scale parallel processing database;

determining the actual interest rate according to the interest mode and the payment day, or determining the actual interest rate according to the interest mode and the re-pricing day;

and determining the cash flow corresponding to the target account according to the actual interest rate, the initial balance and the total fund contribution amount.

3. The method of claim 2, wherein determining the total payback period of principal and the period of each cash flow for the target account from the cash flow financial instrument tables in the massively parallel processing database comprises:

determining a due date, a rest date, a data date and a payment frequency corresponding to the target account according to the cash flow financial instrument table in the large-scale parallel processing database;

determining the total fund payment sum and return period number corresponding to the target account according to the due date, the interest-bearing date and the payment frequency corresponding to the target account;

4. The method of claim 3, wherein determining a payment day for a target account from a cash flow financial instrument form in the massively parallel processing database comprises:

determining a payment day type corresponding to a target account according to a cash flow financial instrument table in the large-scale parallel processing database;

if the payment day type is the first type, determining a payment day corresponding to the target account according to the interest starting day and the payment frequency corresponding to the target account;

5. The method of claim 4, wherein the payment day comprises: the last payment day and the next payment day;

correspondingly, the method also comprises the following steps:

if the last payment date is earlier than the interest starting date corresponding to the target account, determining the interest starting date as the last payment date;

6. The method of claim 4, wherein determining a re-pricing date corresponding to a target account from a cash flow financial instrument form in the massively parallel processing database comprises:

determining a re-pricing frequency corresponding to a target account according to a cash flow financial instrument table in the massively parallel processing database;

7. The method of claim 6, wherein determining an actual interest rate based on the interest bearing mode and the payment day comprises:

determining whether a re-pricing expires based on a cash flow financial instrument table in the massively parallel processing database;

if not, determining the actual interest rate according to the interest calculation mode, the last payment day and the next payment day.

8. The method of claim 6, wherein determining an actual interest rate based on the interest bearing mode and the day of restatement comprises:

and if so, determining the actual interest rate according to the interest calculation mode, the previous re-pricing day and the next re-pricing day.

9. The method of claim 7, wherein the cash flow corresponding to the target account comprises: at least one of the payment amount per period corresponding to the target account, the payment principal per period corresponding to the target account, the payment interest per period corresponding to the target account and the current balance corresponding to the target account.

10. The method of claim 9, wherein determining the cash flow corresponding to the target account according to the actual interest rate, the initial balance and the total deposit amortization period comprises:

determining the repayment principal and the repayment amount in each period corresponding to the target account according to the actual interest rate corresponding to the target account, the initial balance and the total spread and refund period number of the principal;

determining the payment interest of each period corresponding to the target account according to the payment principal of each period corresponding to the target account and the payment amount of each period;

determining the total loan amount corresponding to the target account according to the cash flow financial instrument table in the massively parallel processing database;

and determining the current balance corresponding to the target account according to the total loan amount, the actual interest rate and the total fund share and return period number corresponding to the target account.

11. The method of claim 1, further comprising, after building the cash flow financial instrument table in the massively parallel processing database based on the bazaar tables in the first database:

if the interest calculation mode corresponding to the target account is not obtained in the market collecting table in the first database, obtaining configuration information input by a user;

determining an interest accounting mode corresponding to the target account according to the configuration information input by the user;

12. The method of claim 11, wherein adding the interest-bearing measure corresponding to the target account to a cash flow financial instrument table in the massively parallel processing database comprises:

determining an account identifier corresponding to the target account according to the configuration information;

determining a target position according to the account identifier;

and adding the interest calculation mode corresponding to the target account to the target position of the cash flow financial instrument table in the massively parallel processing database.

13. A cash flow determination apparatus, comprising:

14. The apparatus of claim 13, wherein the first determining module comprises:

15. The apparatus according to claim 14, wherein the first determining unit, when determining the total amortization period number of principal and the period number of each cash flow corresponding to the target account according to the cash flow financial instrument table in the massively parallel processing database, comprises:

16. The apparatus of claim 15, wherein the first determining unit determining the payment time of day corresponding to the target account according to the cash flow financial instrument table in the massively parallel processing database comprises:

17. The apparatus of claim 16, wherein the payment day comprises: the last payment day and the next payment day;

accordingly, the cash flow determination apparatus further includes:

18. The apparatus of claim 16, wherein the first determining unit determining a re-pricing time of day for a target account from a cash flow financial instrument form in the massively parallel processing database comprises:

19. The apparatus according to claim 18, wherein the second determining unit, when determining the actual interest rate based on the interest bearing manner and the payment day, comprises:

20. The apparatus according to claim 18, wherein the second determining unit, when determining the actual interest rate based on the interest bearing manner and the day of revaluation, comprises:

21. The apparatus of claim 19, wherein the cash flow corresponding to the target account comprises: at least one of the payment amount per period corresponding to the target account, the payment principal per period corresponding to the target account, the payment interest per period corresponding to the target account and the current balance corresponding to the target account.

22. The apparatus of claim 21, wherein the third determining unit comprises:

23. The apparatus of claim 13, wherein the cash flow determination means further comprises:

24. The apparatus of claim 23, wherein the adding module comprises:

25. An electronic device, comprising:

one or more processors;

a memory for storing one or more programs;

the one or more programs, when executed by the one or more processors, cause the processors to implement the cash flow determination method of any of claims 1-12.

26. A computer-readable storage medium containing a computer program, having stored thereon the computer program, when executed by one or more processors, to implement the cash flow determination method according to any one of claims 1-12.

27. A computer program product comprising a computer program which, when executed by a processor, implements a cash flow determination method according to any one of claims 1-12.