CN116523646A - Financial funds management system and method applied to enterprise - Google Patents
Financial funds management system and method applied to enterprise Download PDFInfo
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Abstract
The invention belongs to the technical field of fund management, in particular to a financial fund management system and a financial fund management method applied to enterprises, wherein the financial fund management system comprises an enterprise financial fund management platform, the enterprise financial fund management platform comprises a server, and the server is in communication connection with a data storage module, a fund expenditure classification summarization module, a fund transaction business risk analysis module and an enterprise profit supervision analysis module; according to the invention, the fund expenditure classifying and summarizing module analyzes the fund expenditure of the corresponding enterprise, and obtains the abnormal expenditure class through classifying and checking when the total expenditure amount is abnormal, the fund transaction business transaction risk analysis module marks the transaction object of the corresponding enterprise in a grade analysis manner and analyzes the transaction risk of the corresponding transaction, so that the fund expenditure safety of the enterprise is further ensured, and the enterprise profit analysis is performed through the enterprise profit supervision analysis module, so that the corresponding manager can accurately know the business operation condition in time and reasonably make the follow-up enterprise planning.
Description
Technical Field
The invention relates to the technical field of fund management, in particular to a financial fund management system and method applied to enterprises.
Background
In the commodity economy category, enterprises are taken as one of a plurality of modes of organization units, and economic entities organically formed according to a certain organization rule are generally aimed at profit, so that the maximization of benefits of investors, clients, staff and the public is realized, and the enterprises are provided with products or services for exchanging income, are products of social development and grow up due to the development of social division; enterprises exist in three basic organization forms of exclusive enterprises, partnerships and companies, and company-made enterprises are the most typical organization forms in modern enterprises;
in the operation of enterprises, the financial funds of the enterprises are required to be managed, at present, classification expense investigation analysis and accurate feedback of expense abnormal categories are difficult to carry out when total expense funds are abnormal in the enterprise financial funds management, transaction safety assessment analysis and enterprise profit analysis cannot be effectively combined, the fund safety cannot be further ensured, and the follow-up planning of the enterprises is not facilitated;
in view of the above technical drawbacks, a solution is now proposed.
Disclosure of Invention
The invention aims to provide a financial fund management system and method applied to enterprises, which solve the problems that in the prior art, classification expenditure investigation analysis is difficult to carry out when total expenditure fund is abnormal, the expenditure abnormality category is accurately fed back, transaction safety assessment analysis and enterprise profit analysis cannot be effectively combined, fund safety cannot be further ensured, and follow-up planning of the enterprises is not facilitated.
In order to achieve the above purpose, the present invention provides the following technical solutions:
the financial fund management system comprises an enterprise financial fund management platform, wherein the enterprise financial fund management platform comprises a server, a data storage module, a fund expenditure classification and summarization module, a fund transaction business risk analysis module and an enterprise profit supervision analysis module, and the server is in communication connection with the data storage module, the fund expenditure classification and summarization module, the fund transaction business risk analysis module and the enterprise profit supervision analysis module; the fund expenditure classifying and summarizing module is used for carrying out fund expenditure analysis on the corresponding enterprises in the fund monitoring period to judge whether the total expenditure amount of the corresponding enterprises is abnormal, acquiring abnormal expenditure categories through classifying and tracing analysis when judging that the total expenditure amount of the corresponding enterprises is abnormal, and sending corresponding analysis information to the server;
the fund transaction exchange risk analysis module is used for carrying out grade analysis marking on a transaction object of a corresponding enterprise, generating a transaction security signal or a transaction risk signal of the current transaction through transaction risk analysis based on grade analysis marking information when carrying out transaction with the corresponding transaction object, and sending the transaction security signal or the transaction risk signal to the server; and the enterprise profit supervision analysis module is used for carrying out enterprise profit analysis on the corresponding enterprise in the enterprise profit supervision period, generating a profit steady increase signal, a profit continuous decrease signal or a profit steady signal through enterprise profit analysis, and sending the profit steady increase signal, the profit continuous decrease signal or the profit steady signal to the server.
Further, the specific operation process of the fund expenditure classification summarization module comprises the following steps:
acquiring the expenditure fund number of an enterprise corresponding to the fund monitoring period, marking the expenditure fund number as an enterprise total expense coefficient, calling a preset enterprise total expense coefficient threshold value through a data storage module, carrying out numerical comparison on the enterprise total expense coefficient and the preset enterprise total expense coefficient threshold value, judging that the enterprise total expense amount is normal if the enterprise total expense coefficient does not exceed the preset enterprise total expense coefficient threshold value, and judging that the enterprise total expense amount is abnormal if the enterprise total expense coefficient exceeds the preset enterprise total expense coefficient threshold value; and when judging that the total expenditure amount of the enterprise is abnormal, carrying out classification traceability analysis on the enterprise corresponding to the fund monitoring period.
Further, the specific analysis process of the classification traceability analysis is as follows:
acquiring all branch items of an enterprise corresponding to a fund monitoring period, classifying all branch items to acquire a plurality of groups of expenditure categories, marking the expenditure categories as u, u=1, 2, …, n, n representing the number of expenditure categories and n being a positive integer greater than 1; acquiring the total amount of expenditure of the corresponding expenditure category u in the corresponding fund monitoring period, calling a preset total amount of expenditure threshold value of the corresponding expenditure category u through a data storage module, performing numerical comparison on the total amount of expenditure of the expenditure category u and the corresponding preset total amount of expenditure threshold value, and marking the corresponding expenditure category u as an abnormal expenditure category if the total amount of expenditure of the corresponding expenditure category u exceeds the corresponding preset total amount of expenditure threshold value;
if the total amount of expenditure of the corresponding expenditure category u does not exceed the corresponding preset total amount of expenditure threshold, calculating the difference value between the preset total amount of expenditure threshold and the total amount of expenditure to obtain the expenditure limit difference coefficient of the corresponding expenditure category u, obtaining the expenditure frequency of the corresponding expenditure category u of the enterprise corresponding to the fund monitoring period, and calculating the value of the expenditure frequency and the expenditure limit difference coefficient to obtain the category traceability value; and calling a preset class tracing threshold value of the corresponding expenditure class u through the data storage module, comparing the class tracing value with the corresponding preset class tracing threshold value, marking the corresponding expenditure class u as an abnormal expenditure class if the class tracing value exceeds the corresponding class tracing threshold value, and marking the corresponding expenditure class u as a normal expenditure class if the class tracing value exceeds the corresponding class tracing threshold value.
Further, after marking the corresponding expenditure category u as an abnormal expenditure category or a normal expenditure category, obtaining the abnormal expenditure category number and the normal expenditure category number of the enterprise corresponding to the fund monitoring period, calculating the ratio of the abnormal expenditure category number to the normal expenditure category number to obtain a category abnormal occupation ratio, and calculating the numerical value of the category abnormal occupation ratio and the abnormal expenditure category number to obtain an expenditure abnormal coefficient; and a data storage module is used for calling a preset expenditure abnormal coefficient threshold value, the expenditure abnormal coefficient is compared with the preset expenditure abnormal coefficient threshold value in a numerical mode, if the expenditure abnormal coefficient exceeds the preset expenditure abnormal coefficient threshold value, a reinforced financial supervision signal is generated, and otherwise, the reinforced financial supervision signal is not generated.
Further, the specific operation process of the fund transaction to and from risk analysis module comprises the following steps:
acquiring transaction objects of corresponding enterprises, marking the transaction objects as i, i=1, 2, …, n, n being the number of the transaction objects of the corresponding enterprises and n being a positive integer greater than 1; acquiring a first cooperation date of a corresponding enterprise and a corresponding transaction object i, and performing difference calculation on the current date and the first cooperation date to acquire a cooperation duration value; the cooperation total amount, the cooperation frequency and the single transaction maximum amount value of the corresponding enterprise and the corresponding transaction object i are obtained, and the cooperation duration value, the cooperation total amount, the cooperation frequency and the single transaction maximum amount value of the corresponding transaction object i are subjected to numerical calculation to obtain the transaction safety coefficient of the corresponding transaction object i;
the method comprises the steps of calling a preset transaction safety coefficient range through a data storage module, comparing the transaction safety coefficient of a corresponding transaction object i with the preset transaction safety coefficient range in a numerical mode, marking the corresponding transaction object i as a low-risk partner if the transaction safety coefficient exceeds the maximum value of the preset transaction safety coefficient range, marking the corresponding transaction object i as a medium-risk partner if the transaction safety coefficient is within the preset transaction safety coefficient range, and marking the corresponding transaction object i as a high-risk partner if the transaction safety coefficient does not exceed the minimum value of the preset transaction safety coefficient range.
Further, when the corresponding enterprise carries out fund transaction with the corresponding transaction object i, the current transaction amount value is obtained, the corresponding preset transaction amount threshold JY is called through the data storage module, if the transaction object i is a low-risk partner, the corresponding preset transaction amount threshold JY=T1, if the transaction object i is a medium-risk partner, the corresponding preset transaction amount threshold JY=T2, and if the transaction object i is a high-risk partner, the corresponding preset transaction amount threshold JY=T3, and T1 > T2 > T3 > 0; and comparing the current transaction amount value with a corresponding preset transaction amount threshold value JY in a numerical mode, generating a transaction risk signal if the current transaction amount value exceeds the corresponding preset transaction amount threshold value JY, and generating a transaction safety signal if the current transaction amount value does not exceed the corresponding preset transaction amount threshold value JY.
Further, the specific operation process of the enterprise profit supervision and analysis module comprises the following steps:
acquiring the revenue fund number and the expenditure fund number of an enterprise corresponding to the enterprise profit supervision period, performing difference calculation on the revenue fund number and the expenditure fund number to acquire enterprise profit coefficients, calling enterprise profit coefficients of adjacent f groups of enterprise profit supervision periods through a data storage module, establishing a profit rectangular coordinate system by taking time as an X axis and the enterprise profit coefficients as a Y axis, marking the enterprise profit coefficients of the f groups of enterprise profit supervision periods into the profit rectangular coordinate system according to a time sequence to generate f enterprise profit coordinate points, and connecting the two adjacent enterprise profit coordinate points one by one through line segments to form an enterprise profit curve; if the enterprise profit curve is in an ascending trend, generating a profit steady increasing signal, and if the enterprise profit curve is in a descending trend, generating a profit continuous descending signal.
Further, if one or more groups of peak points or trough points exist in the enterprise profit curve, carrying out mean value calculation on f groups of enterprise profit coefficients to obtain an enterprise profit comprehensive judgment value, taking (0, W1) as an endpoint in a profit rectangular coordinate system to serve as a profit comprehensive judgment ray parallel to an X-axis, wherein W1 represents the value of the enterprise profit comprehensive judgment value; taking each enterprise profit coordinate point as an endpoint as a profit margin line segment perpendicular to the profit comprehensive judgment line, calculating the distance value of each group of profit margin line segments, obtaining the distance value of all the profit margin line segments, and calculating the variance to obtain a profit stability coefficient; and calling a preset profit stability threshold through the data storage module, and generating a profit stability signal if the profit stability coefficient is smaller than the preset profit stability threshold.
Further, the server is in communication connection with the enterprise funds early-warning end, and sends the enterprise total expenditure amount judgment information, the judgment mark information corresponding to the expenditure category u and the reinforced finance supervision signal to the enterprise funds early-warning end, and a manager of the enterprise funds early-warning end performs expenditure inquiry and correction corresponding to the abnormal expenditure category when receiving the related information and strengthens supervision of the related finance personnel when receiving the reinforced finance supervision signal; the server sends a transaction security signal or a transaction risk signal to an enterprise funds early warning end, and the enterprise funds early warning end sends a corresponding early warning when receiving the transaction risk signal so as to remind a corresponding manager to inquire transaction details and determine whether to approve corresponding transaction; the server sends the profit steady increase signal, the profit continuous decrease signal or the profit steady signal to the enterprise funds early warning end, which is helpful for corresponding management personnel to accurately know the enterprise operating condition in time and reasonably make follow-up enterprise planning.
Furthermore, the invention also provides a financial funds management method applied to enterprises, comprising the following steps:
step one, a fund transaction exchange risk analysis module generates a transaction security signal or a transaction risk signal of the current transaction through transaction risk analysis based on grade analysis marking information when performing transaction, and sends the transaction security signal or the transaction risk signal to a server;
step two, the fund expenditure classifying and summarizing module analyzes the fund expenditure of the corresponding enterprises in the fund monitoring period to judge whether the total expenditure amount of the corresponding enterprises is abnormal, obtains abnormal expenditure categories through classifying and tracing analysis when judging that the total expenditure amount of the corresponding enterprises is abnormal, and sends corresponding analysis information to the server;
and thirdly, the enterprise profit monitoring analysis module analyzes the enterprise profit of the corresponding enterprise in the enterprise profit monitoring period, generates a profit steady increase signal, a profit continuous decrease signal or a profit steady signal through enterprise profit analysis and sends the profit steady increase signal, the profit continuous decrease signal or the profit steady signal to the server.
Compared with the prior art, the invention has the beneficial effects that:
1. according to the invention, the fund expenditure classifying and summarizing module analyzes the fund expenditure of the corresponding enterprise to judge whether the total expenditure amount of the corresponding enterprise is abnormal, when judging that the total expenditure amount of the corresponding enterprise is abnormal, the abnormal expenditure category is obtained through classifying and tracing analysis, whether the reinforced financial supervision signal is generated or not is judged, the manager at the fund early-warning end of the enterprise performs expenditure inquiry and correction of the corresponding abnormal expenditure category, and the supervision on the relevant financial staff is reinforced when the reinforced financial supervision signal is received, so that the reasonable and safe expenditure of funds is guaranteed;
2. in the invention, the transaction objects of the corresponding enterprises are subjected to grade analysis marking and transaction risk analysis of the corresponding transactions through the fund transaction exchange risk analysis module, and corresponding management personnel are reminded to carry out transaction detail inquiry when transaction risk signals are generated, so that the fund expenditure safety of the enterprises is further ensured; and the enterprise profit supervision analysis module analyzes the enterprise profit corresponding to the enterprise and generates a profit steady increase signal, a profit continuous decrease signal or a profit steady signal, so that corresponding management personnel can timely and accurately know the enterprise operating condition and reasonably make subsequent enterprise planning.
Drawings
For the convenience of those skilled in the art, the present invention will be further described with reference to the accompanying drawings;
FIG. 1 is an overall system block diagram of the present invention;
FIG. 2 is a communication block diagram of a server and an enterprise funds warning terminal in the present invention;
fig. 3 is a flow chart of the method of the present invention.
Detailed Description
The following description of the embodiments of the present invention will be made clearly and completely with reference to the accompanying drawings, in which it is apparent that the embodiments described are only some embodiments of the present invention, but not all embodiments. All other embodiments, which can be made by those skilled in the art based on the embodiments of the invention without making any inventive effort, are intended to be within the scope of the invention.
Embodiment one:
1-2, the financial funds management system applied to enterprises provided by the invention comprises an enterprise financial funds management platform, wherein the enterprise financial funds management platform comprises a server, the server is in communication connection with an enterprise funds early warning end, and the server is in communication connection with a data storage module, a funds expenditure classification and summarization module, a funds transaction business transaction risk analysis module and an enterprise profit supervision analysis module; the specific operation process of the fund expenditure classification and summarization module is as follows:
acquiring the number of the expenditure funds of the enterprise corresponding to the fund monitoring period, marking the expenditure funds as an enterprise total count coefficient QZ, calling a preset enterprise total count coefficient threshold value through a data storage module, carrying out numerical comparison on the enterprise total count coefficient QZ and the preset enterprise total count coefficient threshold value, judging that the enterprise total expenditure amount is normal if the enterprise total count coefficient QZ does not exceed the preset enterprise total count coefficient threshold value, and judging that the enterprise total expenditure amount is abnormal if the enterprise total count coefficient QZ exceeds the preset enterprise total count coefficient threshold value;
when the total expenditure amount of the enterprise is judged to be abnormal, all the expenditure items of the enterprise corresponding to the fund monitoring period are obtained, all the expenditure items are classified to obtain a plurality of groups of expenditure categories, the expenditure categories are marked as u, u=1, 2, …, n, n represents the number of expenditure categories and n is a positive integer greater than 1; acquiring the total amount of expenditure of the corresponding expenditure category u in the corresponding fund monitoring period, marking the total amount of expenditure as ZJu, calling a preset total amount of expenditure threshold value of the corresponding expenditure category u through a data storage module, comparing the total amount of expenditure ZJu of the expenditure category u with the corresponding preset total amount of expenditure threshold value, and marking the corresponding expenditure category u as an abnormal expenditure category if the total amount of expenditure ZJu of the corresponding expenditure category u exceeds the corresponding preset total amount of expenditure threshold value, wherein a corresponding manager should perform query and check of the expenditure category u;
if the total amount of expenditure of the corresponding expenditure category u does not exceed the corresponding preset total amount of expenditure threshold, calculating the difference between the preset total amount of expenditure threshold and the total amount of expenditure ZJu to obtain an expenditure limit difference coefficient ZXu of the corresponding expenditure category u, and obtaining the expenditure frequency of the corresponding expenditure category u of the enterprise corresponding to the fund monitoring period and marking ZPu; calculating the value of the payout frequency ZPu and the payout limit difference coefficient ZXu according to a formula ZSu =a1/ZXu +a2, and obtaining a category traceability value ZSu corresponding to the payout category u after the value calculation; wherein a1 and a2 are preset proportional coefficients, the values of a1 and a2 are both larger than zero, and a1 is larger than a2; it should be noted that, the magnitude of the class trace-back value ZSu is proportional to the payout frequency ZPu, and inversely proportional to the payout limit difference coefficient ZXu, the larger the magnitude of the payout frequency ZPu and the smaller the magnitude of the payout limit difference coefficient ZXu, the larger the magnitude of the class trace-back value ZSu indicates that the possibility of abnormality exists in the corresponding payout class u is higher;
the method comprises the steps of calling a preset class tracing threshold value of a corresponding expenditure class u through a data storage module, comparing a class tracing value ZSu with the corresponding preset class tracing threshold value, marking the corresponding expenditure class u as an abnormal expenditure class if a class tracing value ZSu exceeds the corresponding class tracing threshold value, indicating that the corresponding expenditure class u has high possibility of abnormality, marking the corresponding expenditure class u as a normal expenditure class if a corresponding manager should conduct query and check on the expenditure class u, and marking the corresponding expenditure class u as a normal expenditure class if a class tracing value ZSu does not exceed the corresponding class tracing threshold value, indicating that the corresponding expenditure class u has low possibility of abnormality.
After marking the corresponding expenditure category u as an abnormal expenditure category or a normal expenditure category, acquiring the abnormal expenditure category number and the normal expenditure category number of the enterprise corresponding to the fund monitoring period, marking the abnormal expenditure category number and the normal expenditure category number as ZYs and ZCs respectively, calculating the ratio of the abnormal expenditure category number ZYs to the normal expenditure category number ZCs through a ratio formula YCs = ZYs/ZCs, and acquiring a category abnormal occupation ratio YCs after calculating the ratio;
calculating the class anomaly occupation ratio YCs and the number of abnormal expenditure classes ZYs by using a formula YXs =fg1x YCs +fg2x ZYs, and obtaining an expenditure anomaly coefficient YXs after calculating the numerical value; wherein fg1 and fg2 are preset weight coefficients, the values of fg1 and fg2 are both larger than zero, and fg1 is larger than fg2; it should be noted that, the value of the payout abnormal coefficient YXs, the class abnormal occupation ratio YCs and the abnormal payout class number ZYs are in a proportional relationship, the larger the value of the payout abnormal coefficient YXs is, which indicates that the worse the overall payout condition of the corresponding enterprise is, the more the corresponding enterprise financial department needs to further strengthen supervision;
the data storage module is used for calling a preset expenditure abnormal coefficient threshold value, the expenditure abnormal coefficient YXs is compared with the preset expenditure abnormal coefficient threshold value in value, if the expenditure abnormal coefficient YXs exceeds the preset expenditure abnormal coefficient threshold value, a reinforced financial supervision signal is generated, and if the expenditure abnormal coefficient YXs does not exceed the preset expenditure abnormal coefficient threshold value, the reinforced financial supervision signal is not generated.
Carrying out capital expenditure analysis on the corresponding enterprises in the capital monitoring period through a capital expenditure classifying and summarizing module to judge whether the total expenditure amount of the corresponding enterprises is abnormal, acquiring abnormal expenditure categories through classifying and tracing analysis when judging that the total expenditure amount of the corresponding enterprises is abnormal, and sending corresponding analysis information to a server; the server sends the enterprise total expenditure amount judgment information, the judgment mark information corresponding to the expenditure category u and the reinforced financial supervision signal to the enterprise fund early warning end, and a manager of the enterprise fund early warning end performs expenditure inquiry and correction corresponding to the abnormal expenditure category when receiving the related information and strengthens supervision on related financial staff when receiving the reinforced financial supervision signal, so that reasonable and safe expenditure of funds is guaranteed.
The specific operation process of the fund transaction exchange risk analysis module is as follows:
acquiring transaction objects of corresponding enterprises, marking the transaction objects as i, i=1, 2, …, n, n being the number of the transaction objects of the corresponding enterprises and n being a positive integer greater than 1; acquiring a first cooperation date of a corresponding enterprise and a corresponding transaction object i, and performing difference calculation on the current date and the first cooperation date to acquire a cooperation duration value HSi; the method comprises the steps of obtaining the total amount, the frequency of cooperation and the maximum amount value of single transaction in the historical cooperation process of a corresponding enterprise and a corresponding transaction object i, and marking the total amount, the frequency of cooperation and the maximum amount value of single transaction as HJi, HPi and DGi respectively;
numerical calculation is carried out through a formula JAi =tu1×hsi+tu2× HJi +tu3×hpi+tu4×dgi and substituting the cooperative time length value HSi, the cooperative total amount HJi, the cooperative frequency HPi and the single transaction maximum amount value DGi of the corresponding transaction object i, and a transaction safety coefficient JAi of the corresponding transaction object i is obtained after the numerical calculation; wherein, tu1, tu2, tu3 and tu4 are preset weight coefficients, the values of tu1, tu2, tu3 and tu4 are all larger than zero, and tu1 > tu2 > tu3 > tu4; in addition, the numerical value of the transaction security coefficient JAi is in a direct proportion relation with the cooperative time length value HSi, the cooperative total amount HJi, the cooperative frequency HPi and the single transaction maximum amount value DGi, and the larger the numerical value of the transaction security coefficient JAi is, the smaller the transaction risk of the corresponding transaction object i is;
the method comprises the steps of calling a preset transaction safety coefficient range through a data storage module, comparing a transaction safety coefficient JAi of a corresponding transaction object i with the preset transaction safety coefficient range in a numerical mode, marking the corresponding transaction object i as a low-risk partner if the transaction safety coefficient JAi exceeds the maximum value of the preset transaction safety coefficient range, marking the corresponding transaction object i as a medium-risk partner if the transaction safety coefficient JAi is located in the preset transaction safety coefficient range, and marking the corresponding transaction object i as a high-risk partner if the transaction safety coefficient JAi does not exceed the minimum value of the preset transaction safety coefficient range;
when a corresponding enterprise carries out fund transaction with a corresponding transaction object i, acquiring a current transaction amount value DJi, calling a corresponding preset transaction amount threshold JY through a data storage module, if the transaction object i is a low-risk partner, corresponding the preset transaction amount threshold JY=T1, if the transaction object i is a medium-risk partner, corresponding the preset transaction amount threshold JY=T2, and if the transaction object i is a high-risk partner, corresponding the preset transaction amount threshold JY=T3, wherein T1 > T2 > T3 > 0;
and comparing the current transaction amount value DJi of the corresponding transaction object i with the corresponding preset transaction amount threshold JY in value, generating a transaction risk signal if the current transaction amount value exceeds the corresponding preset transaction amount threshold JY, indicating that the current transaction risk is large, and generating a transaction security signal if the current transaction amount value does not exceed the corresponding preset transaction amount threshold JY, indicating that the current transaction risk is small.
The transaction objects of the corresponding enterprises are subjected to grade analysis marking through the fund transaction exchange risk analysis module, transaction safety signals or transaction risk signals of the current transaction are generated through transaction risk analysis based on grade analysis marking information when the corresponding transaction objects are subjected to transaction, and the transaction safety signals or the transaction risk signals are sent to the server; the server sends a transaction security signal or a transaction risk signal to an enterprise funds early warning end, and the enterprise funds early warning end sends a corresponding early warning when receiving the transaction risk signal so as to remind a corresponding manager to inquire transaction details and determine whether to approve corresponding transaction.
The concrete operation process of the enterprise profit supervision and analysis module is as follows:
acquiring the revenue fund number and the expenditure fund number of an enterprise corresponding to the enterprise profit supervision period, performing difference calculation on the revenue fund number and the expenditure fund number to acquire enterprise profit coefficients, calling enterprise profit coefficients of adjacent f groups of enterprise profit supervision periods through a data storage module, establishing a profit rectangular coordinate system by taking time as an X axis and the enterprise profit coefficients as a Y axis, marking the enterprise profit coefficients of the f groups of enterprise profit supervision periods into the profit rectangular coordinate system according to a time sequence to generate f enterprise profit coordinate points, and connecting the two adjacent enterprise profit coordinate points one by one through line segments to form an enterprise profit curve; generating a profit steady increase signal if the enterprise profit curve is in an ascending trend, and generating a profit continuous decrease signal if the enterprise profit curve is in a descending trend;
if one or more groups of wave peak points or wave trough points exist in the enterprise profit curve, carrying out mean value calculation on f groups of enterprise profit coefficients to obtain enterprise profit comprehensive judgment values, taking (0, W1) as endpoints in a profit rectangular coordinate system to serve as profit comprehensive judgment rays parallel to an X axis, wherein W1 represents the value of the enterprise profit comprehensive judgment values; taking each enterprise profit coordinate point as an endpoint as a line segment perpendicular to the profit comprehensive judgment line and marking the line segment as a profit margin line segment, calculating the distance value of each group of the profit margin line segments, obtaining the distance value of all the profit margin line segments, and carrying out variance calculation to obtain a profit stability coefficient; and calling a preset profit stability threshold through the data storage module, and generating a profit stability signal if the profit stability coefficient is smaller than the preset profit stability threshold.
Carrying out enterprise profit analysis on a corresponding enterprise in an enterprise profit supervision period through an enterprise profit supervision analysis module, generating a profit steady increase signal, a profit continuous decrease signal or a profit steady signal through enterprise profit analysis, and transmitting the profit steady increase signal, the profit continuous decrease signal or the profit steady signal to a server; the server sends the profit steady increase signal, the profit continuous decrease signal or the profit steady signal to the enterprise funds early warning end, which is helpful for corresponding management personnel to accurately know the enterprise operating condition in time and reasonably make follow-up enterprise planning.
The above formulas are all formulas with dimensions removed and numerical values calculated, the formulas are formulas with a large amount of data collected for software simulation to obtain the latest real situation, and preset parameters in the formulas are set by those skilled in the art according to the actual situation.
Embodiment two:
as shown in fig. 3, the difference between the present embodiment and embodiment 1 is that the present invention further provides a financial funds management method applied to an enterprise, including the following steps:
step one, a fund transaction exchange risk analysis module generates a transaction security signal or a transaction risk signal of the current transaction through transaction risk analysis based on grade analysis marking information when performing transaction, and sends the transaction security signal or the transaction risk signal to a server;
step two, the fund expenditure classifying and summarizing module analyzes the fund expenditure of the corresponding enterprises in the fund monitoring period to judge whether the total expenditure amount of the corresponding enterprises is abnormal, obtains abnormal expenditure categories through classifying and tracing analysis when judging that the total expenditure amount of the corresponding enterprises is abnormal, and sends corresponding analysis information to the server;
and thirdly, the enterprise profit monitoring analysis module analyzes the enterprise profit of the corresponding enterprise in the enterprise profit monitoring period, generates a profit steady increase signal, a profit continuous decrease signal or a profit steady signal through enterprise profit analysis and sends the profit steady increase signal, the profit continuous decrease signal or the profit steady signal to the server.
The working principle of the invention is as follows: when the system is used, the fund expenditure classifying and summarizing module analyzes the fund expenditure of the corresponding enterprises to judge whether the total expenditure amount of the corresponding enterprises is abnormal, when the total expenditure amount of the corresponding enterprises is judged to be abnormal, the abnormal expenditure category is obtained through classifying and tracing analysis, whether the reinforced financial supervision signal is generated or not is judged, the manager at the fund early-warning end of the enterprises performs expenditure inquiry and correction of the corresponding abnormal expenditure category, and the supervision on the relevant financial staff is reinforced when the reinforced financial supervision signal is received, so that the system is beneficial to guaranteeing the reasonable and safe expenditure of funds; the transaction objects of the corresponding enterprises are subjected to grade analysis marking through the fund transaction exchange risk analysis module, transaction risk analysis of the corresponding transactions is carried out based on grade analysis marking information, corresponding early warning is sent out when the enterprise fund early warning receives a transaction risk signal, so that corresponding management staff is reminded to carry out transaction detail inquiry and whether corresponding transactions are approved or not is determined, and the fund expenditure safety of the enterprises is further guaranteed; and the enterprise profit supervision analysis module analyzes the enterprise profit corresponding to the enterprise and generates a profit steady increase signal, a profit continuous decrease signal or a profit steady signal, and the profit steady increase signal, the profit continuous decrease signal or the profit steady signal is sent to an enterprise fund early warning end through the server, so that corresponding management personnel can timely and accurately know the enterprise operating condition and reasonably make follow-up enterprise planning.
The preferred embodiments of the invention disclosed above are intended only to assist in the explanation of the invention. The preferred embodiments are not intended to be exhaustive or to limit the invention to the precise form disclosed. Obviously, many modifications and variations are possible in light of the above teaching. The embodiments were chosen and described in order to best explain the principles of the invention and the practical application, to thereby enable others skilled in the art to best understand and utilize the invention. The invention is limited only by the claims and the full scope and equivalents thereof.
Claims (10)
1. The financial fund management system is characterized by comprising an enterprise financial fund management platform, wherein the enterprise financial fund management platform comprises a server, a data storage module, a fund expenditure classification and summarization module, a fund transaction business trip risk analysis module and an enterprise profit supervision analysis module, and the server is in communication connection with the data storage module, the fund expenditure classification and summarization module, the fund transaction business trip risk analysis module and the enterprise profit supervision analysis module; the fund expenditure classifying and summarizing module is used for carrying out fund expenditure analysis on the corresponding enterprises in the fund monitoring period to judge whether the total expenditure amount of the corresponding enterprises is abnormal, acquiring abnormal expenditure categories through classifying and tracing analysis when judging that the total expenditure amount of the corresponding enterprises is abnormal, and sending corresponding analysis information to the server;
the fund transaction exchange risk analysis module is used for carrying out grade analysis marking on a transaction object of a corresponding enterprise, generating a transaction security signal or a transaction risk signal of the current transaction through transaction risk analysis based on grade analysis marking information when carrying out transaction with the corresponding transaction object, and sending the transaction security signal or the transaction risk signal to the server; and the enterprise profit supervision analysis module is used for carrying out enterprise profit analysis on the corresponding enterprise in the enterprise profit supervision period, generating a profit steady increase signal, a profit continuous decrease signal or a profit steady signal through enterprise profit analysis, and sending the profit steady increase signal, the profit continuous decrease signal or the profit steady signal to the server.
2. The financial funds management system for an enterprise of claim 1, wherein the specific operation of the funds expenditure categorization and summarization module comprises:
acquiring the expenditure fund number of an enterprise corresponding to the fund monitoring period, marking the expenditure fund number as an enterprise total expense coefficient, calling a preset enterprise total expense coefficient threshold value through a data storage module, carrying out numerical comparison on the enterprise total expense coefficient and the preset enterprise total expense coefficient threshold value, judging that the enterprise total expense amount is normal if the enterprise total expense coefficient does not exceed the preset enterprise total expense coefficient threshold value, and judging that the enterprise total expense amount is abnormal if the enterprise total expense coefficient exceeds the preset enterprise total expense coefficient threshold value; and when judging that the total expenditure amount of the enterprise is abnormal, carrying out classification traceability analysis on the enterprise corresponding to the fund monitoring period.
3. A financial funds management system for an enterprise as claimed in claim 2, wherein the specific analysis process of the categorical retrospective analysis is as follows:
acquiring all branch items of an enterprise corresponding to a fund monitoring period, classifying all branch items to acquire a plurality of groups of expenditure categories, marking the expenditure categories as u, u=1, 2, …, n, n representing the number of expenditure categories and n being a positive integer greater than 1; acquiring the total amount of expenditure of the corresponding expenditure category u in the corresponding fund monitoring period, calling a preset total amount of expenditure threshold value of the corresponding expenditure category u through a data storage module, performing numerical comparison on the total amount of expenditure of the expenditure category u and the corresponding preset total amount of expenditure threshold value, and marking the corresponding expenditure category u as an abnormal expenditure category if the total amount of expenditure of the corresponding expenditure category u exceeds the corresponding preset total amount of expenditure threshold value;
if the total amount of expenditure of the corresponding expenditure category u does not exceed the corresponding preset total amount of expenditure threshold, calculating the difference value between the preset total amount of expenditure threshold and the total amount of expenditure to obtain the expenditure limit difference coefficient of the corresponding expenditure category u, obtaining the expenditure frequency of the corresponding expenditure category u of the enterprise corresponding to the fund monitoring period, and calculating the value of the expenditure frequency and the expenditure limit difference coefficient to obtain the category traceability value; and calling a preset class tracing threshold value of the corresponding expenditure class u through the data storage module, comparing the class tracing value with the corresponding preset class tracing threshold value, marking the corresponding expenditure class u as an abnormal expenditure class if the class tracing value exceeds the corresponding class tracing threshold value, and marking the corresponding expenditure class u as a normal expenditure class if the class tracing value exceeds the corresponding class tracing threshold value.
4. The financial funds management system for enterprises according to claim 3, wherein after marking the corresponding expenditure category u as an abnormal expenditure category or a normal expenditure category, the abnormal expenditure category number and the normal expenditure category number of the enterprise corresponding to the corresponding funds monitoring period are obtained, the abnormal expenditure category number and the normal expenditure category number are subjected to ratio calculation to obtain a category abnormal occupation value, and the category abnormal occupation value and the abnormal expenditure category number are subjected to numerical calculation to obtain an expenditure abnormal coefficient; and a data storage module is used for calling a preset expenditure abnormal coefficient threshold value, the expenditure abnormal coefficient is compared with the preset expenditure abnormal coefficient threshold value in a numerical mode, if the expenditure abnormal coefficient exceeds the preset expenditure abnormal coefficient threshold value, a reinforced financial supervision signal is generated, and otherwise, the reinforced financial supervision signal is not generated.
5. A financial funds management system for an enterprise as claimed in claim 1, wherein the specific operation of the funds transaction risk analysis module comprises:
acquiring transaction objects of corresponding enterprises, marking the transaction objects as i, i=1, 2, …, n, n being the number of the transaction objects of the corresponding enterprises and n being a positive integer greater than 1; acquiring a first cooperation date of a corresponding enterprise and a corresponding transaction object i, and performing difference calculation on the current date and the first cooperation date to acquire a cooperation duration value; the cooperation total amount, the cooperation frequency and the single transaction maximum amount value of the corresponding enterprise and the corresponding transaction object i are obtained, and the cooperation duration value, the cooperation total amount, the cooperation frequency and the single transaction maximum amount value of the corresponding transaction object i are subjected to numerical calculation to obtain the transaction safety coefficient of the corresponding transaction object i;
the method comprises the steps of calling a preset transaction safety coefficient range through a data storage module, comparing the transaction safety coefficient of a corresponding transaction object i with the preset transaction safety coefficient range in a numerical mode, marking the corresponding transaction object i as a low-risk partner if the transaction safety coefficient exceeds the maximum value of the preset transaction safety coefficient range, marking the corresponding transaction object i as a medium-risk partner if the transaction safety coefficient is within the preset transaction safety coefficient range, and marking the corresponding transaction object i as a high-risk partner if the transaction safety coefficient does not exceed the minimum value of the preset transaction safety coefficient range.
6. The financial funds management system according to claim 5, wherein the corresponding business obtains the current transaction amount value when performing funds transaction with the corresponding transaction object i, and the data storage module retrieves the corresponding predetermined transaction amount threshold value JY, if the transaction object i is a low risk partner, the corresponding predetermined transaction amount threshold value JY=T1, if the transaction object i is a medium risk partner, the corresponding predetermined transaction amount threshold value JY=T2, and if the transaction object i is a high risk partner, the corresponding predetermined transaction amount threshold value JY=T3, T1 > T2 > T3 > 0; and comparing the current transaction amount value with a corresponding preset transaction amount threshold value JY in a numerical mode, generating a transaction risk signal if the current transaction amount value exceeds the corresponding preset transaction amount threshold value JY, and generating a transaction safety signal if the current transaction amount value does not exceed the corresponding preset transaction amount threshold value JY.
7. The financial funds management system for an enterprise of claim 1, wherein the specific operation of the enterprise profit regulatory analysis module comprises:
acquiring the revenue fund number and the expenditure fund number of an enterprise corresponding to the enterprise profit supervision period, performing difference calculation on the revenue fund number and the expenditure fund number to acquire enterprise profit coefficients, calling enterprise profit coefficients of adjacent f groups of enterprise profit supervision periods through a data storage module, establishing a profit rectangular coordinate system by taking time as an X axis and the enterprise profit coefficients as a Y axis, marking the enterprise profit coefficients of the f groups of enterprise profit supervision periods into the profit rectangular coordinate system according to a time sequence to generate f enterprise profit coordinate points, and connecting the two adjacent enterprise profit coordinate points one by one through line segments to form an enterprise profit curve; if the enterprise profit curve is in an ascending trend, generating a profit steady increasing signal, and if the enterprise profit curve is in a descending trend, generating a profit continuous descending signal.
8. The financial funds management system for enterprises according to claim 7, wherein if one or more sets of peak points or trough points exist in the enterprise profit curve, the f sets of enterprise profit coefficients are averaged to obtain the enterprise profit comprehensive judgment value, and the (0, W1) is taken as an endpoint in the profit rectangular coordinate system as the profit comprehensive judgment line parallel to the X-axis, and W1 represents the value of the enterprise profit comprehensive judgment value; taking each enterprise profit coordinate point as an endpoint as a profit margin line segment perpendicular to the profit comprehensive judgment line, calculating the distance value of each group of profit margin line segments, obtaining the distance value of all the profit margin line segments, and calculating the variance to obtain a profit stability coefficient; and calling a preset profit stability threshold through the data storage module, and generating a profit stability signal if the profit stability coefficient is smaller than the preset profit stability threshold.
9. The financial funds management system for enterprises according to claim 1, wherein the server is in communication connection with the enterprise funds early warning terminal, the server transmits the enterprise total expenditure amount judgment information, the judgment mark information corresponding to the expenditure category u and the enhanced financial supervision signal to the enterprise funds early warning terminal, and a manager of the enterprise funds early warning terminal performs expenditure inquiry and correction corresponding to the abnormal expenditure category when receiving the related information and enhances supervision of the related financial personnel when receiving the enhanced financial supervision signal; the server sends a transaction security signal or a transaction risk signal to an enterprise funds early warning end, and the enterprise funds early warning end sends a corresponding early warning when receiving the transaction risk signal so as to remind a corresponding manager to inquire transaction details and determine whether to approve corresponding transaction; the server sends the profit steady increase signal, the profit continuous decrease signal or the profit steady signal to the enterprise funds early warning end, which is helpful for corresponding management personnel to accurately know the enterprise operating condition in time and reasonably make follow-up enterprise planning.
10. A financial funds management method for an enterprise, comprising the steps of:
step one, a fund transaction exchange risk analysis module generates a transaction security signal or a transaction risk signal of the current transaction through transaction risk analysis based on grade analysis marking information when performing transaction, and sends the transaction security signal or the transaction risk signal to a server;
step two, the fund expenditure classifying and summarizing module analyzes the fund expenditure of the corresponding enterprises in the fund monitoring period to judge whether the total expenditure amount of the corresponding enterprises is abnormal, obtains abnormal expenditure categories through classifying and tracing analysis when judging that the total expenditure amount of the corresponding enterprises is abnormal, and sends corresponding analysis information to the server;
and thirdly, the enterprise profit monitoring analysis module analyzes the enterprise profit of the corresponding enterprise in the enterprise profit monitoring period, generates a profit steady increase signal, a profit continuous decrease signal or a profit steady signal through enterprise profit analysis and sends the profit steady increase signal, the profit continuous decrease signal or the profit steady signal to the server.
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