TWI759607B - Branch of bank fund management system and method thereof - Google Patents

Abstract

A branch of bank fund management system and a method thereof are provided. Fund provision branch of bank or fund demand branch of bank are determined by a fund management server. Funds are provided to fund demand branch of bank from fund provision branch of bank are determined by the fund management server through weight. Therefore, the improving efficiency of branch of bank fund management conveniently may be achieved.

Description

Bank branch fund management system and method

A management system and a method thereof, in particular, a fund management server determines whether a bank branch is a fund supply bank or a fund demand bank, and the fund management server determines the bank branch funds for the fund supply bank to the fund demand bank through weights. Management system and method thereof.

The current inventory fund management of each bank branch is to apply for funds through the capital store. After collecting the fund information requested by each bank branch, the capital store will apply for funds to the Bank of Taiwan every week and then distribute it to each bank branch. However, at present, the bank branch's application for funds through the capital store fails to meet the actual usage of the bank branch, and the capital distribution efficiency of the capital store is ineffective, resulting in inflated operating costs.

To sum up, it can be seen that in the prior art, there has been a long-standing problem of inefficiency in the application and distribution of funds by bank branches through the capital store. Therefore, it is necessary to propose improved technical means to solve this problem.

In view of the problem of inefficient application and distribution of funds by bank branches through the capital store in the prior art, the present invention discloses a bank branch fund management system and method thereof, wherein:

The bank branch fund management system disclosed in the present invention includes: a bank branch server and a fund management server, and the fund management server further includes: a receiving module, an inquiry module, a judgment module, a weight calculation module, and an information generation module. Module and transmission module, the bank branch server provides the bank branch's inventory funds and estimated fund usage.

The receiving module of the fund management server is used to receive the bank branch's inventory funds and estimated fund usage from each bank branch server; the query module of the fund management server is used to query the corresponding bank branch. Safety stock amount; the judgment module of the fund management server is used to judge whether the bank branch is a fund supply bank or a fund demand bank based on the bank branch's inventory funds, safety stock amount and estimated fund usage; the fund management server The weight calculation module is to set the branch weight value of the fund demand line according to the inventory funds, safety stock amount and estimated capital usage of the fund demand line, and set the matching of the fund demand line according to the inventory funds and safety stock amount of the fund supply line. Weight value, set the delivery weight value of the capital demand row according to the delivery time from the capital demand row to the capital supply row, and then calculate the recommended value of the capital supply row according to the branch weight value, the matching weight value and the delivery weight value; the capital management server The information generation module of the information generation module is to prioritize the selection of capital demand lines according to the inventory funds, safety stock amount and estimated capital usage of the capital demand lines, so as to select the highest priority capital demand line and correspondingly select the recommendation of the fund supply line The fund supplying bank with the highest value is used to generate the fund distribution information; and the transmission module of the fund management server is used for transmitting the fund distribution information to the bank branch server of the corresponding fund demand bank and the bank branch server of the fund supply bank.

The bank branch fund management method disclosed by the present invention comprises the following steps:

First, the bank branch server provides the bank branch's inventory funds and the estimated amount of funds used to the fund management server; then, the fund management server queries the safety stock amount corresponding to the bank branch; The bank branch's inventory capital, safety stock amount and estimated capital usage determine whether the bank branch is a capital supply bank or a capital demand bank; then, the capital management server is based on the capital demand bank's inventory capital, safety stock amount, and estimated capital. Use amount to set the branch weight value of the fund demand line, set the matching weight value of the fund demand line according to the inventory funds and safety stock of the fund supply line, and set the delivery weight of the fund demand line according to the fund demand line to the fund supply line. value, and then calculate the recommended value of the fund supply line according to the branch weight value, the matching weight value and the shipping weight value; then, the fund management server calculates the fund based on the inventory fund, safety stock amount and estimated fund usage of the fund demand line. The demand lines are prioritized to select the highest priority fund demand line and correspondingly select the fund supply line with the highest recommended value of the fund supply line to generate the fund distribution information; finally, the fund management server sends the fund distribution information to the corresponding fund supply line. The bank branch server of the fund-demanding bank and the bank branch server of the fund-supplying bank.

The system and method disclosed in the present invention are as above, and the difference between the system and the prior art is that the bank branch server provides the bank branch's inventory funds and estimated fund usage to the fund management server, and the fund management server determines that the bank branch is the bank branch. For a fund supply line or a fund demand line, the fund management server sets the branch weight value of the fund demand line, the matching weight value of the fund demand line, and the shipping weight value of the fund demand line to calculate the recommended value of the fund supply line, and select the highest value. Priority funding demand lines and funding supply lines with the highest recommended value for selecting funding supply lines to generate funding delivery information.

Through the above technical means, the present invention can achieve the technical effect of improving the convenience of bank branch fund management.

The embodiments of the present invention will be described in detail below with the drawings and examples, so as to fully understand and implement the implementation process of how the present invention applies technical means to solve technical problems and achieve technical effects.

The following first describes the bank branch fund management system disclosed in the present invention, and please refer to "Fig. 1", which is a system block diagram of the bank branch fund management system of the present invention.

The bank branch fund management system disclosed in the present invention includes: a bank branch server 10 and a fund management server 20, and the fund management server 20 further includes: a receiving module 21, an inquiry module 22, a judgment module 23, and a weighting module. A calculation module 24 , an information generation module 25 and a transmission module 26 .

The bank branch server 10 is respectively set in each bank branch. The bank branch server 10 provides the corresponding bank branch's inventory funds and estimated fund usage to the fund management server 20. Specifically, the first bank branch The bank branch server 10 can provide the first bank branch with an inventory fund of "10 million" and an estimated capital usage of the first bank branch as "5 million" to the fund management server 20; the second bank branch The bank branch server 10 of the second bank branch can provide the inventory funds of the second bank branch as "15 million" and the estimated capital usage of the second bank branch as "8 million" to the fund management server 20, which is only an example. To illustrate, this does not limit the scope of application of the present invention.

The receiving module 21 of the fund management server 20 can receive the bank branch server 10 of each bank branch to receive the corresponding bank branch's inventory funds and the estimated fund usage. Then, the query module 22 of the fund management server 20 is: The safety stock quantity pre-stored in the bank branch server 10 by the bank branch can be queried. If the safety stock quantity of the bank branch is lower than the safety stock quantity, the operation of the bank branch may be affected.

The judgment module 23 of the fund management server 20 is used for judging whether the bank branch is a fund supply bank or a fund demand bank according to the bank branch's inventory funds, safety stock and estimated fund usage. The judging module 23 is configured to set the bank branch as a fund supply bank when it is judged that the bank branch's inventory fund minus the bank branch's safety stock amount is greater than or equal to 1.5 times the bank branch's estimated capital usage; and when When it is judged that the bank branch's inventory capital minus the bank branch's safety stock is less than or equal to 0.5 times the bank's branch's estimated capital usage, the bank branch is set as the capital demand line.

Specifically, it is assumed that the bank branch's inventory fund received by the receiving module 21 of the fund management server 20 from the bank branch server 10 of the bank branch is "10 million" and the estimated capital usage of the bank branch is "200 10,000", the query module 22 of the fund management server 20 finds out that the safety stock amount is "5 million", and the bank branch's inventory capital is "10 million" minus the safety stock of the bank branch is "5 million" "5 million" can be obtained, and the estimated capital usage is 1.5 times of "2 million", which is "3 million". Since the bank branch's inventory capital is "10 million" minus the bank branch's safety stock amount is "5 million" That is, "5 million" will be greater than 1.5 times the estimated capital usage of "2 million" and "3 million", and the bank branch will be judged as a fund supply bank by the judgment module 23 of the fund management server 20. This is only for illustration, and does not limit the scope of application of the present invention.

Specifically, it is assumed that the bank branch's inventory fund received by the receiving module 21 of the fund management server 20 from the bank branch server 10 of the bank branch is "10 million" and the estimated capital usage of the bank branch is "400 10,000", the query module 22 of the fund management server 20 finds out that the safety stock amount is "8 million", and the bank branch's inventory capital is "10 million" minus the safety stock of the bank branch is "8 million" "2 million" can be obtained, and the estimated capital usage is 0.5 times of "4 million" as "2 million", since the bank branch's inventory capital is "10 million" minus the bank branch's safety stock amount is "8 million" That is, "2 million" will be less than or equal to 0.5 times the estimated capital usage of "4 million", which is "2 million", and the bank branch will be judged by the judgment module 23 of the fund management server 20 as a bank in need of funds. This is only for illustration, and does not limit the scope of application of the present invention.

It is worth noting that when the bank branch's inventory funds minus the bank branch's safety stock amount is greater than or equal to 1.5 times the bank's branch's estimated capital usage, the bank branch's fund status is the fund security status; in the bank When the bank's bank branch's stock capital minus the bank's branch's safety stock is greater than or equal to 1.1 times the bank's branch's estimated capital usage, the bank's branch's capital status is moderate capital; the bank's branch's stock capital minus the bank's branch's capital status When the safety stock of the branch is greater than or equal to 0.5 times the estimated capital usage of the bank branch, the fund status of the bank branch is insufficient funds; and the stock funds in the bank branch minus the safety stock of the bank branch is less than 0.5 When the estimated fund usage of the bank branch is doubled, the fund status of the bank branch is a lack of funds.

After the judging module 23 of the fund management server 20 is used for judging whether the bank branch is a fund supply bank or a fund demand bank according to the bank branch's inventory funds, safety stock and estimated fund usage, the fund management server The weight calculation module 24 of 20 can set the branch weight value of the fund demand line according to the inventory funds, safety stock amount and estimated fund usage of the fund demand line, and set the fund demand line according to the inventory funds and safety stock amount of the fund supply line. According to the matching weight value of the fund demand line to the fund supply line, the delivery weight value of the fund demand line is set according to the delivery time of the fund demand line, and then the recommended value of the fund supply line is calculated according to the branch weight value, the matching weight value and the shipping weight value.

The weight calculation module 24 of the fund management server 20 is to set the fund demand line according to the fund status of the fund demand line (ie, the fund status calculated according to the inventory funds, safety stock amount and estimated fund usage amount of the fund demand line). The branch weight value.

Specifically, it is assumed that the fund status of the fund demand line is "lack of funds", the weight calculation module 24 of the fund management server 20 sets the branch weight value of the fund demand line to "1.5"; and the fund status of the fund demand line is assumed to be "1.5". In the "insufficient fund state", the weight calculation module 24 of the fund management server 20 sets the branch weight value of the fund demand row as "1", which is only for illustration and does not limit the application scope of the present invention.

The weight calculation module 24 of the fund management server 20 is to calculate by dividing the inventory funds of the fund supply line minus the safety stock amount of the fund supply line by the inventory funds of the fund demand line minus the safety stock amount of the fund demand line. The fit weight value for the funding requirement row.

Specifically, it is assumed that the inventory capital of the capital supply line is "10 million" and the safety stock of the capital supply line is "5 million", and the inventory capital of the capital demand line is assumed to be "8 million" and the safety stock of the capital demand line. It is "6 million", the inventory capital of the capital supply line is "10 million" minus the safety stock of the capital supply line is "5 million" to get "5 million", and the inventory capital of the capital demand line is "8 million" minus Go to the safety stock amount of the capital demand line is "6 million" and get "2 million", divide "5 million" by "2 million" to get "2.5", the weight calculation module 24 of the fund management server 20 can be The adaptation weight value of the capital requirement row is set to "1" (ie, the value exceeding 1 is set to 1 successively), which is only for illustration, and does not limit the application scope of the present invention.

The weight calculation module 24 of the fund management server 20 sets the delivery weight value of the fund demand line according to the fund demand line to the fund supply line delivery time.

Specifically, it is assumed that the time between the fund demand line and the fund supply line is less than or equal to 30 minutes, and the weight calculation module 24 of the fund management server 20 sets the delivery weight value of the fund demand line to "1"; assuming that the fund demand line arrives at the fund If the delivery time of the supply bank is greater than 30 minutes and less than or equal to 60 minutes, the weight calculation module 24 of the capital management server 20 sets the delivery weight value of the capital demand row as "0.85". For 60 minutes and less than or equal to 90 minutes, the weight calculation module 24 of the fund management server 20 sets the delivery weight value of the fund demand line to "0.7"; and it is assumed that the fund delivery time from the fund demand line to the fund supply line is greater than 90 minutes and less than or equal to 90 minutes. In 120 minutes, the weight calculation module 24 of the fund management server 20 sets the delivery weight value of the fund demand line as "0.55", which is only for illustration and does not limit the application scope of the present invention.

Please refer to "Fig. 2A", "Fig. 2A" is a diagram showing the weight value setting of the first fund demand row in the fund management of the bank branch of the present invention.

The fund status of the first fund demand line is "lack of funds", the demand fund of the first fund demand line is "5 million", the funds available for the first fund supply line are "2 million", and the second fund supply line is available. The funds supplied are "4 million", the funds available for the third funding bank are "6 million", and the funds available for the fourth funding bank are "8 million".

The delivery time of funds from the first fund supply line to the first fund demand line is "30 minutes", the delivery time of the second fund supply line to the first fund demand line is "60 minutes", and the third fund supply line to the first fund supply line The fund delivery time for the fund demand line is "90 minutes", and the fund delivery time from the fourth fund supply line to the first fund demand line is "120 minutes".

The weight value chart 31 of the first fund demand line is shown in "Fig. 2A". Since the fund status of the first fund demand line is "lack of funds", the weight calculation module 24 of the fund management server 20 sets the first fund The branch weights of the supply row to the fourth fund supply row corresponding to the first fund demand row are all "1.5".

The weight calculation module 24 of the fund management server 20 calculates that the weights of the first fund supply line to the fourth fund supply line corresponding to the first fund demand line are respectively “0.4” (that is, 2 million divided by 5 million ), "0.8" (that is, 4 million divided by 5 million), "1" (that is, 6 million divided by 5 million, and the value exceeding 1 is set to 1), and "1" (that is, 8 million divided by 5 million, more than The value of 1 is then set to 1).

The weight calculation module 24 of the fund management server 20 sets the delivery weight value of the first fund supply line to the fourth fund supply line corresponding to the first fund demand line as “1”, “0.85”, and “0.7” respectively. and "0.55".

The weight calculation module 24 of the fund management server 20 finally calculates that the recommended values of the first fund supply line to the fourth fund supply line corresponding to the fund demand line are respectively “0.6” (ie, 1.5 times 0.4 times 1, in order are the branch weight value, the fitting weight value and the shipping weight value, respectively), "1.02" (that is, 1.5 times 0.8 times 0.85, respectively the branch weight value, the fitting weight value and the shipping weight value), "1.05" (that is, 1.5 times 1 times 0.7, which are the branch weight value, the fitting weight value, and the shipping weight value, respectively) and "0.825" (that is, 1.5 times 1 times 0.55, which are the branch weight value, the matching weight value, and the delivery weight value, respectively. weights and shipping weights).

Please refer to "Fig. 2B", "Fig. 2B" is a diagram showing the weight value setting of the second fund demand line in the fund management of the bank branch of the present invention.

The fund status of the second fund demand line is "insufficient funds", the demand capital of the second fund demand line is "3 million", the funds available for the first fund supply line are "2 million", and the second fund supply line is available. The funds supplied are "4 million", the funds available for the third funding bank are "6 million", and the funds available for the fourth funding bank are "8 million".

Fund delivery time from the first fund supply line to the second fund demand line is "100 minutes", the second fund supply line to the second fund demand line is "80 minutes", and the third fund supply line to the second fund supply line The fund delivery time for the fund demand line is "50 minutes", and the fund delivery time from the fourth fund supply line to the second fund demand line is "20 minutes".

The weight value chart 31 of the second fund demand line is shown in "Fig. 2B". Since the fund status of the second fund demand line is "insufficient funds", the weight calculation module 24 of the fund management server 20 sets the first fund The branch weights from the supply row to the fourth fund supply row corresponding to the second fund demand row are all "1".

The weight calculation module 24 of the fund management server 20 calculates that the matching weight values of the first fund supply line to the fourth fund supply line corresponding to the second fund demand line are respectively “0.66” (that is, 2 million divided by 3 million ), "1" (that is, 4 million divided by 3 million, and the value exceeding 1 is set to 1), "1" (that is, 6 million divided by 3 million, and the value exceeding 1 is set to 1), and "1" ( That is, 8 million is divided by 3 million, and the value exceeding 1 is set to 1).

The weight calculation module 24 of the fund management server 20 sets the delivery weight value of the first fund supply line to the fourth fund supply line corresponding to the second fund demand line as “0.55”, “0.7”, and “0.85” respectively. and "1".

The weight calculation module 24 of the fund management server 20 finally calculates that the recommended values of the first fund supply line to the fourth fund supply line corresponding to the fund demand line are respectively “0.363” (ie, 1 times 0.66 times 0.55, in order respectively the branch weight value, the fitting weight value and the shipping weight value), "0.7" (i.e. 1 times 1 times 0.7, respectively the branch weight value, the fitting weight value and the shipping weight value), "0.85" (i.e. 1 times 1 times 0.85, in order, respectively, branch weight value, matching weight value, and shipping weight value) and "1" (i.e., 1 times 1 times 1, in order, respectively, branch weight value, distribution weight value, distribution weight value, etc.) weights and shipping weights).

The information generation module 25 of the fund management server 20 is to prioritize the fund demand lines according to the inventory funds, safety stock and estimated capital usage of the fund demand lines, so as to select the fund demand line with the highest priority and correspond to the fund demand line. The fund supply line with the highest recommended value of the fund supply line is selected to generate the fund delivery information. The information generation module 25 of the fund management server 20 is calculated by subtracting the safety stock amount of the fund demand line from the inventory fund of the fund demand line The capital stock difference, the smaller the capital stock difference value of the capital demand row, the higher the priority of the capital demand row.

According to the above-mentioned embodiment, the capital status of the first fund demand line is "lack of funds" (calculated from the inventory funds, safety stock and estimated capital usage of the first fund demand line) and the first fund demand line The capital stock difference is "2 million", the capital status of the second capital demand line is "Insufficient Funds" (calculated from the inventory funds, safety stock and estimated capital usage in the second capital demand line) and the second The capital stock difference of the capital demand row is "5 million", and the information generation module 25 of the capital management server 20 can prioritize the first capital demand row and the second capital demand row as "the first capital demand row". ” and “Second Funding Requirement Row”.

The information generation module 25 of the fund management server 20 can select the first fund demand line (ie, the fund demand line with the highest priority) and select the fund supply line corresponding to the fund supply line with the highest recommended value of "1.05". "Three capital supply lines" to generate capital distribution information, for example, the capital distribution information is: the third capital supply line distributes 5 million funds to the first capital demand line, which is only for illustration, and does not limit the application of the present invention. category.

Then, the transmission module 26 of the fund management server 20 can transmit the fund distribution information to the bank branch server 10 of the corresponding fund demand bank and the bank branch server 10 of the fund supply bank, so that the third fund supply bank can It is learned that 5 million funds need to be distributed to the first fund demand line, and the first fund demand line will know that the third fund supply line will distribute 5 million funds to the first fund demand line.

Please refer to "Fig. 3", "Fig. 3" shows the weight value setting diagram of the second fund demand line in the fund management of the bank branch of the present invention.

After the information generation module 25 of the fund management server 20 generates the fund distribution information of the first fund demand bank, the judgment module 23 of the fund management server 20 will perform the determination of whether the bank branch is a fund supply bank or a fund demand bank again. judge.

The fund status of the second fund demand line is "insufficient funds", the demand capital of the second fund demand line is "3 million", the funds available for the first fund supply line are "2 million", and the second fund supply line is available. The funds supplied are "4 million", and the funds that can be supplied by the third capital supply bank are "1 million" (the third capital supply bank should distribute 5 million funds to the first capital demand bank, so the third capital supply bank can supply Adjustment of funds), the funds available for the fourth fund supply line are "8 million".

Fund delivery time from the first fund supply line to the second fund demand line is "100 minutes", the second fund supply line to the second fund demand line is "80 minutes", and the third fund supply line to the second fund supply line The fund delivery time for the fund demand line is "50 minutes", and the fund delivery time from the fourth fund supply line to the second fund demand line is "20 minutes".

The adjusted weight value chart 31 of the second fund demand line is shown in "Figure 3". Since the fund status of the second fund demand line is "insufficient funds", the weight calculation module 24 of the fund management server 20 sets The branch weight values of the first funding supply row to the fourth funding supply row corresponding to the second funding demand row are all "1".

The weight calculation module 24 of the fund management server 20 calculates that the matching weight values of the first fund supply line to the fourth fund supply line corresponding to the second fund demand line are respectively “0.66” (that is, 2 million divided by 3 million ), "1" (that is, 4 million divided by 3 million, and the value exceeding 1 is set to 1), "0.33" (that is, 1 million divided by 3 million), and "1" (that is, 8 million divided by 3 million, more than 1 million The value of 1 is then set to 1).

The weight calculation module 24 of the fund management server 20 sets the delivery weight value of the first fund supply line to the fourth fund supply line corresponding to the second fund demand line as “0.55”, “0.7”, and “0.85” respectively. and "1".

The weight calculation module 24 of the fund management server 20 finally calculates that the recommended values of the first fund supply line to the fourth fund supply line corresponding to the fund demand line are respectively “0.363” (ie, 1 times 0.66 times 0.55, in order are the branch weight value, the fitting weight value and the shipping weight value respectively), "0.7" (that is, 1 times 1 times 0.7, respectively the branch weight value, the fitting weight value and the shipping weight value), "0.2805" (i.e. 1 times 0.33 times 0.85, in order, respectively, branch weight value, matching weight value, and shipping weight value) and "1" (i.e., 1 times 1 times 1, in order, respectively, branch weight value, distribution weight value, distribution weight value, etc.) weights and shipping weights).

The information generation module 25 of the fund management server 20 can select the second fund demand line (the only fund demand line) and correspondingly select the fund supply line with the highest recommended value of “1” for the fund supply line “fourth fund supply line”. Line" to generate fund distribution information, for example, the fourth fund supply line distributes 3,000,000 funds to the second fund demand line, which is only for illustration, and does not limit the application scope of the present invention.

Then, the transmission module 26 of the fund management server 20 can transmit the fund distribution information to the bank branch server 10 of the corresponding fund demand bank and the bank branch server 10 of the fund supply bank, so that the fourth fund supply bank can It is learned that 3 million funds need to be distributed to the second fund demand line, and the second fund demand line will know that the fourth fund supply line will distribute 5 million funds to the first fund demand line.

Please refer to "Fig. 4". "Fig. 4" shows a flow chart of the method for managing funds in a bank branch of the present invention.

First, the bank branch server provides the bank branch's inventory funds and estimated fund usage to the fund management server (step 101 ); then, the fund management server queries the bank branch's corresponding safety stock (step 102 ); Next, the fund management server determines whether the bank branch is a fund supply bank or a fund demand bank according to the bank branch's inventory funds, safety stock and estimated fund usage (step 103 ); then, the fund management server determines the bank branch according to the fund demand The bank's inventory funds, safety stock and estimated capital usage are used to set the branch weight value of the fund demand line, and the matching weight value of the fund demand line is set according to the inventory fund and safety stock amount of the fund supply line. The supply bank's delivery time of funds sets the shipping weight value of the fund demand line, and then calculates the recommended value of the fund supply line according to the branch weight value, the matching weight value and the shipping weight value (step 104 ); then, the fund management server is based on the fund demand. Inventory funds, safety stock quantities and estimated fund usage of the row are used to prioritize the selection of the funding demand rows to select the funding demand row with the highest priority and correspondingly select the funding supply row with the highest recommended value of the funding supply row to generate funds. Distribution information (step 105 ); finally, the fund management server transmits the fund distribution information to the bank branch server of the corresponding fund demand bank and the bank branch server of the fund supply bank (step 106 ).

To sum up, it can be seen that the difference between the present invention and the prior art is that the bank branch server provides the bank branch's inventory funds and the estimated amount of funds used to the fund management server, and the fund management server determines that the bank branch is the supply of funds. line or fund demand line, the fund management server sets the branch weight value of the fund demand line, the matching weight value of the fund demand line, and the shipping weight value of the fund demand line to calculate the recommended value of the fund supply line, and select the highest priority. and select the funding supply line with the highest recommended value of the funding supply line to generate the funding delivery information.

This technical means can solve the problem of inefficient application and distribution of funds by bank branches through the capital store in the prior art, thereby achieving the technical effect of improving the convenience of fund management in bank branches.

Although the embodiments disclosed in the present invention are as above, the above-mentioned contents are not used to directly limit the scope of the patent protection of the present invention. Anyone with ordinary knowledge in the technical field to which the present invention pertains can make some changes in the form and details of the implementation without departing from the spirit and scope of the present invention. The scope of patent protection of the present invention shall still be defined by the scope of the appended patent application.

10: Bank branch server 20: Money Management Server 21: Receive module 22: Query module 23: Judgment Module 24: Weight calculation module 25: Information generation module 26: Teleportation Module 31: Weight Value Chart Step 101: The bank branch server provides the bank branch's inventory funds and estimated fund usage to the fund management server Step 102: The fund management server queries the safety stock quantity corresponding to the bank branch Step 103: The fund management server judges that the bank branch is a fund supply bank or a fund demand bank according to the bank branch's inventory fund, safety stock amount and estimated fund usage amount Step 104: The fund management server sets the branch weight value of the fund demand line according to the inventory fund, safety stock amount and estimated fund usage amount of the fund demand line, and sets the allocation of the fund demand line according to the inventory fund and safety stock amount of the fund supply line. Appropriate weight value, set the delivery weight value of the capital demand row according to the time of delivery of funds from the capital demand row to the capital supply row, and then calculate the recommended value of the capital supply row according to the branch weight value, the matching weight value and the delivery weight value. Step 105: The capital management server prioritizes the capital demand rows according to the inventory funds, safety stock and estimated capital usage of the capital demand rows, so as to select the highest priority capital demand row and correspondingly select the capital supply row. Recommend the highest value funding row to generate funding delivery information Step 106: The fund management server transmits the fund distribution information to the bank branch server of the corresponding fund demand bank and the bank branch server of the fund supply bank

FIG. 1 is a system block diagram of the bank branch fund management system of the present invention. FIG. 2A is a diagram showing the weight value setting of the first fund demand line in the fund management of the bank branch of the present invention. FIG. 2B is a diagram showing the weight value setting of the second fund demand line in the fund management of the bank branch of the present invention. FIG. 3 is a diagram showing the weight value setting of the second fund demand line in the fund management of the bank branch of the present invention. FIG. 4 is a flow chart of a method for managing funds in a bank branch according to the present invention.

10: Bank branch server

20: Money Management Server

21: Receive module

22: Query module

23: Judgment Module

24: Weight calculation module

25: Information generation module

26: Teleportation Module

Claims (4)

A bank branch fund management system, comprising: a bank branch server, the bank branch server providing the bank branch's inventory funds and estimated fund usage; and a fund management server, the fund management server More Including: a receiving module for receiving the bank branch's inventory funds and estimated capital usage from each of the bank branch servers; an inquiry module for inquiring about the safety stock corresponding to the bank branch; A judgment module, when the bank branch's inventory fund minus the bank branch's safety stock is greater than or equal to 1.5 times the bank branch's estimated fund usage, the bank branch is judged as a fund supply bank, and the bank branch is judged as a bank branch. When the amount of inventory funds minus the safety stock of the bank branch is less than or equal to 0.5 times the estimated capital usage of the bank branch, the bank branch is judged to be a bank in need of funds; Capital, safety stock and estimated capital usage Set the branch weight value of the capital demand line, subtract the safety stock amount of the capital supply line from the inventory capital of the capital supply line, and divide it by the inventory capital of the capital demand line minus the inventory capital of the capital demand line. Go to the safety stock quantity of the fund demand line to calculate the matching weight value, set the delivery weight value of the fund demand line according to the fund demand line to the fund supply line delivery time, and then set the delivery weight value of the fund demand line. Multiplying the branch weight value, the matching weight value and the shipping weight value to calculate the recommended value of the fund supply line; an information generation module, based on the inventory fund, safety stock amount and estimated fund usage amount of the fund demand line Priority selection is performed on the fund demand line to select the fund demand line with the highest priority and correspondingly select the fund supply line with the highest recommended value of the fund supply line to generate a fund distribution information, and send the corresponding fund to the fund supply line. After the demand line is excluded and the corresponding inventory fund of the fund supply line is adjusted according to the fund distribution information, it is returned to the judgment module to generate through the judgment module, the weight calculation module and the information The module judges, calculates and generates again until the judgment module fails to judge that the bank branch is the fund demand behavior; and a transmission module is used to transmit the fund distribution information to the corresponding fund demand bank and the bank branch server of the funding bank. The bank branch fund management system according to item 1 of the scope of the application, wherein the information generation module is the capital stock difference calculated by subtracting the safety stock amount of the fund demand line from the inventory fund of the fund demand line, The smaller the value of the capital stock difference of the capital demand row, the higher the priority of the capital demand row. A method for managing funds of a bank branch, comprising: a bank branch server providing inventory funds of the bank branch and an estimated amount of funds used to a fund management server; the fund management server inquiring about the safety stock corresponding to the bank branch quantity; When the fund management server deducts the bank branch's safety stock from the bank branch's safety stock is greater than or equal to 1.5 times the bank branch's estimated capital usage, the bank branch determines that it is a fund supply bank, and the bank When the bank's inventory funds minus the bank's branch's safety stock is less than or equal to 0.5 times the bank's branch's estimated capital usage, the bank's branch is determined to be a bank in need of funds; Inventory capital, safety stock amount, and estimated capital usage set the branch weight value of the capital demand line, subtract the safety stock amount of the capital supply line from the stock capital of the capital supply line and divide it by the stock capital of the capital demand line Subtract the safety stock amount of the fund demand line to calculate the matching weight value, set the delivery weight value of the fund demand line according to the fund demand line to the fund supply line delivery time, and then calculate the branch weight value and the matching weight value. value and shipping weight value are multiplied to calculate the recommended value of the fund supply line; the fund management server prioritizes the fund demand line according to the inventory funds, safety stock amount and estimated fund usage of the fund demand line order to select the fund demand row with the highest priority and correspondingly select the fund supply row with the highest recommended value of the fund supply row to generate a fund distribution information; the fund management server excludes the corresponding fund demand row And after adjusting the corresponding inventory funds of the fund supply bank according to the fund distribution information, return to the fund management server to judge the bank branch according to the bank branch's inventory funds, safety stock and estimated fund usage. the steps of performing the fund supply bank or the fund demand bank until the fund management server cannot determine that the bank branch is the fund demand bank; and The fund management server transmits the fund distribution information to the corresponding bank branch server of the fund demand bank and the bank branch server of the fund supply bank. The bank branch fund management method as described in item 3 of the scope of application, wherein the fund management server preferentially selects the fund demand line according to the inventory fund, safety stock amount and estimated fund usage amount of the fund demand line The sorting step is to subtract the safety stock amount of the fund demand line from the inventory funds of the fund demand line to calculate the fund stock difference. The smaller the fund stock difference value of the fund demand line, the better the priority of the fund demand line. high.

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