WO2019214015A1 - 资金自动估值核算方法、装置、计算机设备及存储介质 - Google Patents

资金自动估值核算方法、装置、计算机设备及存储介质 Download PDF

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WO2019214015A1
WO2019214015A1 PCT/CN2018/092582 CN2018092582W WO2019214015A1 WO 2019214015 A1 WO2019214015 A1 WO 2019214015A1 CN 2018092582 W CN2018092582 W CN 2018092582W WO 2019214015 A1 WO2019214015 A1 WO 2019214015A1
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data
equity
reset
state
status
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French (fr)
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蔡淑存
孔令建
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Ping An Technology Shenzhen Co Ltd
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Ping An Technology Shenzhen Co Ltd
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    • G—PHYSICS
    • G06—COMPUTING OR CALCULATING; COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q10/00—Administration; Management
    • G06Q10/10—Office automation; Time management
    • G06Q10/103—Workflow collaboration or project management
    • G—PHYSICS
    • G06—COMPUTING OR CALCULATING; COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q40/00—Finance; Insurance; Tax strategies; Processing of corporate or income taxes
    • G06Q40/04—Trading; Exchange, e.g. stocks, commodities, derivatives or currency exchange

Definitions

  • the present application relates to the field of computer technology, and in particular, to an automatic fund valuation method, device, computer device, and storage medium.
  • the process of valuation accounting is the four steps of equity reset, position calculation, clearing and business certification. These four steps need to be performed in order, and each step needs to be based on the results of the previous step.
  • the valuation accounting system according to the characteristics of the business process it performs, when the execution process needs to be performed separately, after one step is completed, the human resources are used to start the next step.
  • the valuation accounting system process will take more manpower and longer time, and each step must be manually started to execute the task when the process is executed.
  • the whole process is cumbersome. This method exists and the operation process is complicated.
  • the problem of wasting human resources, and human error also has a large error rate, which increases the operational risk.
  • the present application provides a method, an apparatus, a computer device and a storage medium for automatic valuation of funds, so as to solve the problem that the execution flow of the valuation accounting system in the prior art is complicated.
  • the present application provides an automatic valuation method for funds, including:
  • the basic data of the position is obtained from the to-be-calculated data, and the position calculation of the basic data of the position is performed based on the replacement interest rate to generate the equity of the current day. Data and monitoring the status of the position calculation;
  • the financial layer transaction data is obtained from the to-be-calculated data, and the financial layer transaction data and the current day's equity data are liquidated to generate transaction fund variation data. And monitoring the status of the liquidation;
  • the transaction fund change data is acquired, and the transaction fund change data is subjected to business certification to generate a certification voucher.
  • the present application provides an apparatus for automatic valuation of funds, comprising:
  • a data query module configured to query whether there is data to be verified in the financial database at a preset time point
  • an equity resetting module configured to acquire the to-be-calculated data when the to-be-accounted data exists in the financial database, and obtain the latest interest rate set from the to-be-calculated data, based on the latest interest rate The set performs an equity reset on the interest rate of the day before the day to generate a replacement interest rate, and monitors the state of the equity reset;
  • a position calculation module configured to: when the status of the equity reset is monitored as a success of the equity reset, obtain the basic data of the position from the to-be-calculated data, and perform a position calculation on the basic data of the position based on the replacement interest rate. To generate equity data for the day and monitor the status of the position calculation;
  • a clearing module configured to: when the status of the position calculation is monitored as a position calculation success, obtain financial layer transaction data from the to-be-calculated data, and perform liquidation on the financial layer transaction data and the current day equity data to Generating transaction fund change data and monitoring the status of the liquidation;
  • the business certification module is configured to acquire the transaction fund change data when the state of the liquidation is detected as the liquidation success, and perform business certification on the transaction fund change data to generate a certification certificate.
  • the present application provides a computer device comprising a memory, a processor, and computer readable instructions stored in the memory and executable on the processor, the processor executing the computer readable instructions The following steps are implemented:
  • the basic data of the position is obtained from the to-be-calculated data, and the position calculation of the basic data of the position is performed based on the replacement interest rate to generate the equity of the current day. Data and monitoring the status of the position calculation;
  • the financial layer transaction data is obtained from the to-be-calculated data, and the financial layer transaction data and the current day's equity data are liquidated to generate transaction fund variation data. And monitoring the status of the liquidation;
  • the transaction fund change data is acquired, and the transaction fund change data is subjected to business certification to generate a certification voucher.
  • the application provides one or more non-transitory readable storage media storing computer readable instructions, such as one or more, when executed by one or more processors
  • the processor performs the following steps:
  • the basic data of the position is obtained from the to-be-calculated data, and the position calculation of the basic data of the position is performed based on the replacement interest rate to generate the equity of the current day. Data and monitoring the status of the position calculation;
  • the financial layer transaction data is obtained from the to-be-calculated data, and the financial layer transaction data and the current day's equity data are liquidated to generate transaction fund variation data. And monitoring the status of the liquidation;
  • the transaction fund change data is acquired, and the transaction fund change data is subjected to business certification to generate a certification voucher.
  • Embodiment 1 is a flowchart of an implementation of an automatic fund valuation calculation method provided in Embodiment 1;
  • Embodiment 2 is a flowchart of another implementation of the automatic fund valuation calculation method provided in Embodiment 1;
  • Embodiment 3 is a flowchart showing still another implementation of the automatic fund valuation calculation method provided in Embodiment 1;
  • step S30 is a flowchart of an implementation of step S30 in the automatic fund valuation method provided in Embodiment 1;
  • FIG. 5 is a flowchart of another implementation of the automatic fund valuation calculation method provided in Embodiment 1;
  • FIG. 6 is a schematic diagram of an automatic fund valuation calculation device provided in Embodiment 2;
  • FIG. 7 is a schematic diagram of a computer device provided in Embodiment 4.
  • FIG. 1 is a flow chart showing a method for calculating an automatic fund valuation in the embodiment.
  • the automatic valuation method of funds is applied in financial services to automate the task process of performing valuation accounting in the system, so as to simplify the execution process and reduce the error rate.
  • the capital valuation calculation applied in the insurance financial industry is taken as an example for explanation. Details are as follows:
  • the automatic valuation method of funds includes the following steps:
  • S10 Query whether there is data to be verified in the financial database at a preset time point.
  • the preset time point is a specific time set by the user according to the actual situation and the specific time can be changed. For example, if the user sets the preset time point at 3 o'clock in the afternoon, the query is started at 3 pm.
  • the financial database stores all the data in the financial transaction process, for example, basic data, paid data, interest rate reset data, transaction layer transaction data and financial layer transaction data, transaction layer position data and financial layer position data, transaction related funds Change data and transaction-independent fund change data, MTM value-related change data, headless flow data and equity data.
  • the data to be accounted for refers to the corresponding data required when performing the capital valuation calculation.
  • the latest interest rate set of the bank required to perform the equity reset the financial layer transaction data required to perform the liquidation, and the like.
  • the query to the financial database is triggered at a preset time point, and whether the data to be verified exists in the financial database is queried.
  • the data to be verified may be a query for the type of the data to be verified in the financial database. For example, when the financial database has a data to be verified, it is determined whether the type of the data to be verified in the financial database reaches a preset type. When there is a preset kind of to-be-calculated data in the query financial database, there is data to be verified in the financial database.
  • the latest interest rate set refers to the latest interest rate of the day that the collected banks release in real time.
  • the replacement interest rate is the latest interest rate in the valuation calculation based on the latest interest rate of each bank, which is used to replace the interest rate of the day before the date in the valuation accounting system.
  • the status of the equity reset is attribute information indicating whether the equity reset task is successfully executed, and the status of the equity reset includes an unexecuted state, a task success state, and a task failure state.
  • the unexecuted state indicates that the equity reset task is not executed or is not completed;
  • the task success state indicates that the equity reset task has been executed and the execution is successful;
  • the task failure state indicates that the equity reset task has been executed but the execution failed.
  • an order of obtaining different kinds of data to be verified from the financial database may be set.
  • the process of valuation accounting is generally based on the logic of equity reset, position calculation, liquidation and certification.
  • the logic of the valuation calculation can be performed according to the system, and the data required for the execution of the equity reset can be obtained first, and then the data required for the execution of the position calculation is obtained, and then the data required for the liquidation and the final acquisition system are obtained.
  • the data required by the card is generally based on the logic of equity reset, position calculation, liquidation and certification.
  • detecting whether the system currently acquires all the data required for performing the equity reset may be detected according to the size of all data required for the currently acquired execution equity reset. For example, all the data required to perform the equity reset on the system is obtained from the financial database, and the ratio of the amount of data of all the data required for performing the reset of the executed equity to the amount of data of the data sent in the financial database is determined. When the obtained data volume ratio reaches a preset ratio, the corresponding task can be performed. For example, when the data size ratio of all the data required to perform the equity reset reaches 100%, it can be determined that all the data required to perform the equity reset has been acquired.
  • the data to be calculated may be the data to be verified when the query system continuously queries the preset type, or may be the data to be verified that has reached the preset type state after the manual intervention has not reached the preset type, both of which are The step of triggering an equity reset can be triggered.
  • the latest interest rate set of the corresponding bank is obtained, and the latest effective interest rate is obtained from the latest interest rate set, and the interest rate of the day before the day is obtained.
  • Perform an equity reset to get the replacement interest rate for the day.
  • the status of the equity reset is monitored.
  • an equity reset log may be formed and saved for later query.
  • the retention period can be changed.
  • the user sets the number of days to save for 30 days according to his own needs and the size of the memory.
  • the default number of days to save is 7 days.
  • positions refer to investors holding derivative financial instruments such as futures, stocks, funds and bonds.
  • the basic data of positions refers to the data needed to calculate the position cost or position income of derivative financials such as futures, stocks, funds, and bonds.
  • Equity data refers to the profit from the derivative financial shares held by futures, stocks, funds, bonds, etc.
  • the status of the position calculation is attribute information indicating whether the position calculation task is successfully executed.
  • the status of the position calculation includes the unexecuted status, the task success status, and the task failure status.
  • the unexecuted state indicates that the position calculation task is not executed or is not completed;
  • the task success status indicates that the position calculation task has been executed and the execution is successful;
  • the task failure status indicates that the position calculation task has been executed but the execution has failed.
  • the state of the equity reset when the equity reset succeeds is changed from the unexecuted state to the task successful state. Specifically, whether the reset interest rate is generated by detecting the equity reset task, if the reset interest rate is generated after the equity reset task is executed, the equity reset is successful; otherwise, if the reset interest rate is not generated, the equity reset is unsuccessful.
  • the system triggers the position calculation task, and obtains the position data of the day before the current day and the transaction data of the current day from the data to be calculated, and generates the basic data of the position, based on the replacement interest rate for the current day.
  • the position data of the position is used to calculate the position and generate the equity data of the day.
  • the status of the position calculation is monitored.
  • the futures equity data refers to the difference between the position value of the futures trader's contract held at the closing of the transaction and the original position value calculated by the settlement price of the day.
  • the settlement price for the day is the weighted average price of the last hour of the contract based on the replacement interest rate.
  • a position calculation log may be formed and saved for later inquiry.
  • the specific implementation is the same as that of S20, and will not be described here.
  • liquidation refers to the summary accounting of all income and expenditure in a period.
  • valuation accounting system the balance of all funds in the valuation date is accounted for.
  • Financial layer transaction data refers to the actual capital data generated by transactions on the financial level.
  • the transaction fund change data refers to the embodiment of the income and expenditure situation relative to the previous calculation cycle in a period. For example, in a calculation cycle, after the fund is liquidated, it is a manifestation of loss or profit.
  • the status of the clearing is attribute information indicating whether the clearing task is successfully executed.
  • the status of the clearing includes the unexecuted state, the task success state, and the task failure state.
  • the unexecuted state indicates that the clearing task has not been executed or has not been completed;
  • the successful state of the task indicates that the clearing task has been executed and the execution is successful;
  • the task failed state indicates that the clearing task has been executed but the execution failed.
  • the state of the position calculation when the position calculation is successful is changed from the unexecuted state to the task successful state. Specifically, it can be determined whether the position calculation task generates the equity data of the current day. If the equity data of the current day is generated after the position calculation task is executed, the position calculation is successful; otherwise, if the equity data of the current day is not generated, the position calculation is unsuccessful.
  • the clearing task is triggered, and the system obtains the financial layer transaction data from the data to be verified, and after the financial layer transaction data is acquired, the financial layer transaction data and the equity data of the current day are liquidated. Generate trading fund change data. At the same time, the status of the position calculation is monitored.
  • the trading fund change data of the futures may refer to the position profit and loss of the futures trading.
  • Position profit and loss historical position profit and loss + open positions in the day.
  • a clearing log can be formed and saved for later inquiry.
  • the specific implementation is the same as that of S20, and will not be described here.
  • business certification refers to the preparation of accounting vouchers according to the corresponding financial specifications.
  • the certificate of proof refers to the bookkeeping certificate that survives after the certificate is made.
  • the state of liquidation when the liquidation succeeds is changed from the unexecuted state to the task successful state. Specifically, whether the clearing task generates the transaction fund change data, if the transaction fund change data is generated after the clearing task is executed, the liquidation is successful; otherwise, if the transaction fund change data is not generated, the liquidation is unsuccessful.
  • the business certification task When the state of liquidation becomes the state of successful task, the business certification task is triggered, the system obtains the change data of the transaction funds, and conducts the business certification to generate the certification certificate for the transaction fund change data.
  • a certification log can be formed and saved for later inquiry.
  • the automatic fund valuation method by periodically querying the financial database at a preset time point and then obtaining the data to be verified, the process of human operation is reduced, and the execution is more convenient; by obtaining the corresponding data to be verified Triggering the equity reset task, the valuation accounting process begins to be executed, and the execution efficiency of the system is improved; monitoring the equity reset task and position calculation by monitoring the status of the equity reset, the status of the position calculation, and the status information of the liquidation status.
  • the execution process of tasks and clearing tasks, and the triggering conditions for the next task make the valuation accounting process streamline and standardize, greatly simplifying the execution process and reducing manpower and time costs.
  • step S20 acquiring the data to be verified includes the following steps:
  • S201 Obtain a type of the valuation to be queried by the user and an accounting date.
  • the valuation type refers to the type of financial data to be accounted for.
  • the accounting date is the financial data used to determine which day of accounting.
  • the type of the value input by the user from the client and the date of the accounting are obtained, and the type and date of the financial data to be queried are determined.
  • the valuation type and accounting date can be obtained by the user selecting the corresponding option in the system interface.
  • S202 Acquire financial incremental data, and synchronize the financial incremental data into the financial database.
  • the financial incremental data refers to the part of the data update in the financial transaction process, that is, the updated accounting data between the last query of the financial database and the current query.
  • Financial incremental data can be obtained in incremental synchronization.
  • Incremental synchronization refers to synchronizing only the different parts of two databases.
  • the valuation accounting system obtains the updated basic data and the paid data from the two databases of CDMS and PCMS at 3 o'clock every day, and then obtains the transaction data required for the valuation calculation from the Mecury database, wherein the basic data and the paid data are obtained.
  • the part that is updated with the transaction data is financial incremental data.
  • the incremental data is synchronized to the financial database using incremental synchronization.
  • the incremental synchronization method can not only ensure the integrity, timeliness and up-to-dateness of the financial database, but also improve the efficiency of each update of data. Incremental synchronization only obtains the financial incremental data of the updated part, which improves the efficiency of updating the data.
  • the corresponding pending accounting data is then matched according to the type of valuation selected by the user and the valuation date.
  • the querying the financial database to obtain the to-be-calculated data may be queried according to the set frequency of the user, and the query is performed every preset time period, and the updated financial incremental data in the preset time period is synchronized to the financial database.
  • the financial data is queried once every 15 minutes, and the default query frequency is every 0.25h/time, and the updated portion of each queried data is synchronized to the financial database until the acquisition of the relevant pending accounting data is completed.
  • S203 Acquire corresponding to-be-calculated data from the financial database based on the type of the valuation to be queried and the date of the accounting.
  • the financial data is queried from the financial database according to the type of valuation and the date of accounting set by the user.
  • the financial database is incrementally synchronized every predetermined time period, so as to ensure the real-time and integrity of the obtained financial data, and the accuracy of the valuation calculation is guaranteed; the valuation type and accounting are adopted.
  • the date queries the financial database so that it can obtain the data needed for valuation calculation from a large amount of data, and improve system efficiency.
  • step S20 based on the latest interest rate set, the interest rate of the day before the current day is reset to generate a reset interest rate, and the state of the equity reset is monitored. Including the following steps:
  • the base interest rate refers to the interest rate that has a universal reference role in the financial market, and other interest rate levels or financial asset prices can be determined according to the base interest rate. For example, based on the deposit and loan interest rates stipulated by the People's Bank of China on national professional banks and other financial institutions.
  • the bank's latest interest rate set is obtained from the financial database, and a valid base interest rate is obtained from the latest interest rate set.
  • S22 Using a multi-threading method, based on the preset payment period, recalculating the interest rate of the day before the current day based on the base interest rate to generate a replacement interest rate.
  • the multi-threading method refers to the parallel operation of multiple threads to improve system efficiency.
  • the payment period refers to the period of time during which the payment settlement set in the financial transaction is completed.
  • the replacement interest rate refers to the market interest rate on the day of a financial asset, which is used to replace the market interest rate on the day before the day, which is a true reflection of the borrowing cost of financial assets.
  • the base interest rate is obtained from the latest interest rate set, and the floating rate of the corresponding market interest rate is obtained according to the change relationship between the supply and demand of the capital market in the preset payment period, and the method of using multiple threads in parallel is used to float based on the corresponding market interest rate.
  • the multiple calculates the base interest rate, calculates the interest rate on the previous day based on the base interest rate, generates a replacement interest rate, and replaces the calculated replacement interest rate with the market interest rate on the day before the day.
  • the reset interest rate is derived and stored, and a data query can be initiated to the database storing the reset interest rate to confirm the database store to derive the reset interest rate.
  • the data query may be performed through the data state stored in the database, or the data query may be performed according to the storage state of the database.
  • the SQL query is initiated to the database, and whether the derived reset interest rate is stored in the database is determined according to the query result.
  • first equity status refers to an unexecuted state of the equity reset
  • second equity status refers to the task success status of the equity reset
  • third equity status refers to the task failure status of the equity reset.
  • the first equity status, the second equity status, and the third equity status of the status of the equity reset may be represented by a code, for example, in the attribute information of the status of the equity reset, the first equity status is represented by 0010, represented by 0011
  • the second equity status, using 0012 to indicate the third equity status is more conducive to marking and differentiation.
  • the replacement interest rate is exported and stored, and the state of the equity reset is changed from the first equity state to the second equity state, then the code is changed from 0010 to 0011, when the current equity reset is detected.
  • the status is 0011, the position calculation task is triggered.
  • the state of the equity reset is changed from the first equity state to the third equity state, and the code is changed from 0010 to 0012, when it is detected.
  • the status of the equity reset is 0012, it automatically returns to the previous step and re-executes the equity reset task.
  • a prompt message is sent to prompt the relevant personnel to perform an error check.
  • the real-time and validity of the interest rate data is ensured by obtaining the basic interest rate from the bank's latest interest rate set; the multi-threaded method is used to calculate the reset interest rate, which greatly improves the efficiency of the system;
  • the different states of the status of the equity reset are convenient for grasping the process of the equity reset task; by initiating a query to the database to confirm whether the database stores the exported reset interest rate, providing guarantee for the smooth execution of the next task;
  • the status sends a prompt message to facilitate timely resolution of errors in the process.
  • the data to be verified includes the position data of the day before the current day and the transaction data of the current day; when the state of the equity reset is detected as the equity reset is successful, The basic data of the position is obtained in the accounting data, and the position calculation of the position basic data is performed based on the replacement interest rate to generate the equity data of the current day, and the state of the position calculation is monitored, which includes the following steps:
  • the status of the equity reset is the second equity status, it indicates that the equity reset task is successfully executed, and the position calculation task is triggered.
  • the system first obtains the position data of the day before the current day and the transaction data of the day from the data to be calculated, and generates the basic data of the position of the day.
  • the reset interest rate is exported and stored in the database, and the system obtains the reset interest rate from the database, calculates the position of the current position based on the replacement interest rate, and generates the equity data of the current day.
  • the equity data of the current day is derived and stored, and the data query may be initiated to the database storing the equity data of the current day to confirm the equity data of the current day that the database stores and exports.
  • the data query can be performed through the data state stored in the database, or the data query can be performed according to the storage state of the database.
  • the SQL query is initiated to the database, and whether the exported equity data of the day is stored in the database is determined according to the query result.
  • the first position status refers to the unexecuted state of the position calculation
  • the second position status refers to the task completion status calculated by the position
  • the third position status refers to the task failure status calculated by the position.
  • the code may be used to indicate the first position state, the second position state, and the third position state of the state of the position calculation.
  • the first position status is represented by 0020
  • the second position is represented by 0021.
  • Position status with 0022 indicating the third position status.
  • the equity data of the current day is exported and stored, and the status of the position calculation is changed from the first position status to the second position status, then the code is changed from 0020 to 0021, and when the current position calculation state is detected as At 0021, the clearing task is triggered.
  • the state of the position calculation is changed from the first position status to the third position status, and the code is changed from 0020 to 0022, when the position is detected.
  • the calculated state is 0022, it automatically returns to the previous step and re-executes the position calculation task.
  • a prompt message is sent to prompt the relevant personnel to perform an error check.
  • the task process can be displayed in real time, which is convenient for management and monitoring; by initiating a query to the database to confirm whether the database stores the exported equity data of the day, for the next time
  • the smooth execution of the task provides protection; the prompt information is sent to the status of the task failure, so that the errors in the process can be solved in time.
  • step S40 that is, when the state of the position calculation is monitored as the position calculation is successful, the financial layer transaction data is obtained from the to-be-calculated data, and the financial layer transaction data and the current day's equity data are cleared to generate Transaction funds change data, and monitor the status of liquidation, specifically:
  • the system obtains the financial layer transaction data from the data to be verified, and clears the financial layer transaction data and the equity data of the current day to generate transaction fund fluctuation data.
  • the transaction fund change data When the transaction fund change data is generated, the transaction fund change data is derived and stored and the state of the liquidation is changed from the first clearing state to the second clearing state.
  • the first clearing state is used to indicate the unexecution state of the clearing
  • the second clearing state is used to indicate the clearing task success state
  • the third clearing state is used to indicate the clearing task failure state.
  • the code may be used to indicate the first clearing state, the second clearing state, and the third clearing state of the cleared state. For example, in the attribute information of the state of the clearing, the first clearing state is indicated by 0030, the second clearing state is indicated by 0031, and the third clearing state is represented by 0032.
  • step S50 that is, performing business certification on the transaction fund change data, and generating a certification voucher, specifically includes the following steps:
  • S51 Monitor the account details of the transaction fund change data, and judge whether the account details are balanced; when determining the account balance is unbalanced, save the existing uneven account data and issue an alarm message; when determining the account balance balance, The transaction fund change data is used for business certification, and a certificate of certification is generated.
  • the account details of the transaction fund change data are monitored according to the corresponding financial entry rules. When it is determined that the account details are not fair, the existing uneven account data is saved and an alarm message is issued. If it is determined that the account balance is balanced, the business certification is performed on the transaction fund change data.
  • the relevant personnel when the account details are not uniform, by saving the unfair data of the account and simultaneously issuing the alarm information to the relevant personnel, the relevant personnel can timely and accurately understand the location of the unbalanced data, and can also make up for the shortage of the liquidation by using the manual. To ensure the correctness of the liquidation results.
  • FIG. 6 is a schematic block diagram showing an automatic capital estimation and accounting device corresponding to the automatic fund valuation method in the first embodiment.
  • the automatic fund valuation device includes a data query module 10, an equity reset module 20, a position calculation module 30, a clearing module 40, and a business certification module 50.
  • the data query module 10 is configured to query whether there is data to be verified in the financial database at a preset time point.
  • the equity resetting module 20 is configured to: when the data to be verified exists in the financial database, obtain the data to be verified, and obtain the latest interest rate set from the data to be verified, and use the latest interest rate set to interest the interest rate of the day before the current day. Reset to generate a reset interest rate and monitor the status of the equity reset.
  • the position calculation module 30 is configured to: when the status of the equity reset is monitored as the equity reset success, obtain the basic data of the position from the to-be-calculated data, and perform position calculation on the basic data of the position based on the replacement interest rate to generate the equity data of the current day. And monitor the status of the position calculation.
  • the clearing module 40 is configured to: when the status of the position calculation is monitored as the position calculation success, obtain the financial layer transaction data from the to-be-calculated data, and clear the financial layer transaction data and the current day equity data to generate the transaction fund change data, and Monitor the status of the clearing.
  • the business certification module 50 is configured to obtain the transaction fund change data when the state of the liquidation is detected as the liquidation success, and perform business certification on the transaction fund change data to generate a certification certificate.
  • the equity reset module 20 includes an evaluation type acquisition unit 201, a data synchronization unit 202, and a data query unit 203.
  • the valuation type obtaining unit 201 is configured to obtain a type of the value to be queried by the user and an accounting date.
  • the data synchronization unit 202 is configured to acquire financial incremental data and synchronize the financial incremental data into the financial database.
  • the data query unit 203 is configured to obtain corresponding to-be-calculated data from the financial database based on the type of the identifier to be queried and the date of the calculation.
  • the equity reset module 20 further includes: a base rate acquisition unit 21, a reset interest rate generation unit 22, and an equity status monitoring unit 23.
  • the base interest rate obtaining unit 21 is configured to obtain the base interest rate based on the bank's latest interest rate set.
  • the reset interest rate generating unit 22 is configured to recalculate the interest rate of the day before the current day based on the base interest rate according to the preset payment period in a multi-threaded manner to generate a reset interest rate.
  • the equity status monitoring unit 23 is configured to: when the reset interest rate is generated, derive and store the reset interest rate and reset the state of the equity from the first equity state to the second equity state; when the replacement interest rate is not generated, the equity is The state of the reset is changed from the first equity state to the third equity state; wherein the first equity state is used to indicate an unexecuted state of the equity reset, the second equity state is used to indicate a mission success state of the equity reset, and the third The equity status is used to indicate the task failure status of the equity reset.
  • the position calculation module 30 includes a position basic data generation unit 31, an equity data generation unit 32, and a position status monitoring unit 33.
  • the position basic data generating unit 31 is configured to generate the current position data of the current day based on the position data of the day before the current day and the transaction data of the current day when the state in which the equity reset is monitored is the second equity status.
  • the equity data generating unit 32 is configured to perform a position calculation on the current position data of the current day based on the replacement interest rate to generate the equity data of the current day.
  • the position status monitoring unit 33 is configured to: when generating the equity data of the current day, export and store the equity data of the current day and change the state of the position calculation from the first position status to the second position status; when the equity data of the current day is not generated The state of the equity reset is changed from the first position state to the third position state; wherein, the first position status is used to indicate the unexecuted state of the position calculation, and the second position status is used to indicate the task success status calculated by the position; The three position status is used to indicate the status of the task failure calculated by the position.
  • the business certification module 50 includes: a reconciliation unit 51.
  • the reconciliation unit 51 is configured to monitor the account details of the transaction fund change data, and determine whether the account details are balanced; when the account details are unbalanced, the existing uneven account data is saved, and an alarm message is issued; when the account is determined When the balance is balanced, the transaction fund change data is verified by business and a certificate of certification is generated.
  • the implementation functions of the modules in the automatic fund valuation device are in one-to-one correspondence with the steps corresponding to the automatic fund valuation method in the embodiment.
  • the present embodiment will not be described in detail.
  • This embodiment provides one or more non-volatile readable storage media having computer readable instructions stored thereon.
  • the one or more processors are configured to perform the automatic capital valuation accounting method as in Embodiment 1. To avoid repetition, details are not described herein again.
  • the computer readable instructions when executed by one or more processors, the one or more processors implement the functions of the modules/units in the automatic capital valuation calculation in Embodiment 2, in order to avoid duplication, no longer here. Narration.
  • the one or more non-volatile readable storage media storing computer readable instructions may comprise: any entity or device capable of carrying the computer readable instructions, a recording medium, a USB flash drive, a mobile hard disk , disk, optical disk, computer memory, read-only memory (ROM, Read-Only Memory), random access memory (RAM, Random Access Memory), electrical carrier signals and telecommunications signals.
  • FIG. 7 is a schematic diagram of a computer device according to an embodiment of the present application.
  • computer device 70 of this embodiment includes a processor 71, a memory 72, and computer readable instructions 73 stored in memory 72 and executable on processor 71.
  • the processor 71 executes the computer readable instructions 73, the steps of the automatic fund valuation calculation method in the above-described Embodiment 1 are implemented, such as steps S10 to S50 shown in FIG.
  • the processor 71 implements the functions of the modules/units in the various apparatus embodiments described above when the computer readable instructions 73 are executed, such as the functions of the modules 10 through 50 shown in FIG.

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Abstract

一种资金自动估值核算方法、装置、计算机设备及存储介质，所述方法包括在预设时间点查询待核算数据；获取待核算数据，基于最新的利率集合对当日前一天的利率进行权益重置以生成重置利率，并对权益重置的状态进行监测；当权益重置成功时，对持仓基础数据进行持仓计算，以生成当日的权益数据，并对持仓计算的状态进行监测；当持仓计算成功时，对财务层交易数据和当日的权益数据进行清算以生成交易资金变动数据，并对清算的状态进行监测；当清算成功时，对交易资金变动数据进行业务制证，生成制证凭证。所述方法通过自动执行估值核算的进程，简化了执行过程，减少了出错率，从而有效提高估值核算的效率。

Description

资金自动估值核算方法、装置、计算机设备及存储介质
本专利申请以2018年5月11日提交的申请号为201810447484.2，名称为“资金自动估值核算方法、装置、计算机设备及存储介质”的中国发明专利申请为基础，并要求其优先权。
技术领域
本申请涉及计算机技术领域，尤其涉及资金自动估值核算方法、装置、计算机设备及存储介质。
背景技术
在估值核算系统中，估值核算的过程为权益重置、持仓计算、清算和业务制证四个步骤。这四个步骤需要按顺序进行，每一个步骤都需要以前一个步骤的结果为依据。
在现有技术中，估值核算系统按照其执行的业务流程特点，执行流程的时候需要单独执行完成一个步骤之后，再由人力去启动执行下一个步骤。这样估值核算系统流程将花费比较多的人力和比较长的时间，且在执行流程的时候必须每一个步骤都需人为启动执行任务，整个流程比较繁琐，这种方式存在着，操作流程复杂，浪费人力资源的问题，且人为操作也存在着大的失误率，增大了操作风险。
发明内容
本申请提供资金自动估值核算方法、装置、计算机设备及存储介质，以解决现有技术中估值核算系统的执行流程操作复杂的问题。
第一方面，本申请提供资金自动估值核算方法，包括：
在预设时间点查询金融数据库中是否存在待核算数据；
当监测到所述金融数据库中存在所述待核算数据时，获取所述待核算数据，并从所述待核算数据中获取最新的利率集合，基于所述最新的利率集合对当日前一天的利率进行权益重置以生成重置利率，并对所述权益重置的状态进行监测；
当监测到所述权益重置的状态为权益重置成功时，从所述待核算数据中获取持仓基础数据，基于所述重置利率对所述持仓基础数据进行持仓计算，以生成当日的权益数据，并对所述持仓计算的状态进行监测；
当监测到所述持仓计算的状态为持仓计算成功时，从所述待核算数据中获取财务层交易数据，对所述财务层交易数据和所述当日的权益数据进行清算以生成交易资金变动数据，并对所述清算的状态进行监测；
当监测到所述清算的状态为清算成功时，获取所述交易资金变动数据，对所述交易资金变动数据进行业务制证，生成制证凭证。
第二方面，本申请提供一种资金自动估值核算方法装置，包括：
数据查询模块，用于在预设时间点查询金融数据库中是否存在待核算数据；
权益重置模块，用于当监测到所述金融数据库中存在所述待核算数据时，获取所述待核算数据，并从所述待核算数据中获取最新的利率集合，基于所述最新的利率集合对当日前一天的利率进行权益重置以生成重置利率，并对所述权益重置的状态进行监测；
持仓计算模块，用于当监测到所述权益重置的状态为权益重置成功时，从所述待核算数据中获取持仓基础数据，基于所述重置利率对所述持仓基础数据进行持仓计算，以生成当日的权益数据，并对所述持仓计算的状态进行监测；
清算模块，用于当监测到所述持仓计算的状态为持仓计算成功时，从所述待核算数据中获取财务层交易数据，对所述财务层交易数据和所述当日的权益数据进行清算以生成交易资金变动数据，并对所述清算的状态进行监测；
业务制证模块，用于当监测到所述清算的状态为清算成功时，获取所述交易资金变动数据，对所述交易资金变动数据进行业务制证，生成制证凭证。
第三方面，本申请提供一种计算机设备，包括存储器、处理器以及存储在所述存储器中并可在所述处理器上运行的计算机可读指令，所述处理器执行所述计算机可读指令时实现如下步骤：
在预设时间点查询金融数据库中是否存在待核算数据；
当监测到所述金融数据库中存在所述待核算数据时，获取所述待核算数据，并从所述待核算数据中获取最新的利率集合，基于所述最新的利率集合对当日前一天的利率进行权益重置以生成重置利率，并对所述权益重置的状态进行监测；
当监测到所述权益重置的状态为权益重置成功时，从所述待核算数据中获取持仓基础数据，基于所述重置利率对所述持仓基础数据进行持仓计算，以生成当日的权益数据，并对所述持仓计算的状态进行监测；
当监测到所述持仓计算的状态为持仓计算成功时，从所述待核算数据中获取财务层交易数据，对所述财务层交易数据和所述当日的权益数据进行清算以生成交易资金变动数据，并对所述清算的状态进行监测；
当监测到所述清算的状态为清算成功时，获取所述交易资金变动数据，对所述交易资金变动数据进行业务制证，生成制证凭证。
第四方面，本申请提供一个或多个存储有计算机可读指令的非易失性可读存储介质，所述计算机可读指令被一个或多个处理器执行时，使得所述一个或多个处理器执行如下步骤：
在预设时间点查询金融数据库中是否存在待核算数据；
当监测到所述金融数据库中存在所述待核算数据时，获取所述待核算数据，并从所述待核算数据中获取最新的利率集合，基于所述最新的利率集合对当日前一天的利率进行权益重置以生成重置利率，并对所述权益重置的状态进行监测；
当监测到所述权益重置的状态为权益重置成功时，从所述待核算数据中获取持仓基础数据，基于所述重置利率对所述持仓基础数据进行持仓计算，以生成当日的权益数据，并对所述持仓计算的状态进行监测；
当监测到所述持仓计算的状态为持仓计算成功时，从所述待核算数据中获取财务层交易数据，对所述财务层交易数据和所述当日的权益数据进行清算以生成交易资金变动数据，并对所述清算的状态进行监测；
当监测到所述清算的状态为清算成功时，获取所述交易资金变动数据，对所述交易资金变动数据进行业务制证，生成制证凭证。
本申请的一个或多个实施例的细节在下面的附图和描述中提出，本申请的其他特征和优点将从说明书、附图以及权利要求变得明显。
附图说明
为了更清楚地说明本申请的技术方案，下面将对实施例的描述中所需要使用的附图作简单地介绍，显而易见地，下面描述中的附图仅仅是本申请的一些实施例，对于本领域普通技术人员来讲，在不付出创造性劳动的前提下，还可以根据这些附图获得其他的附图。
图1是实施例1提供的资金自动估值核算方法的一实现流程图；
图2是实施例1中提供的资金自动估值核算方法的另一实现流程图；
图3是实施例1中提供的资金自动估值核算方法的又一实现流程图；
图4是实施例1中提供的资金自动估值核算方法中步骤S30的一实现流程图；
图5是实施例1中提供的资金自动估值核算方法的另一实现流程图；
图6是实施例2中提供的资金自动估值核算装置的一示意图；
图7是实施例4中提供的计算机设备的一示意图。
具体实施方式
下面将结合本申请中的附图，对本申请中的技术方案进行清楚、完整地描述，显然，所描述的实施例是本申请一部分实施例，而不是全部的实施例。基于本申请中的实施例， 本领域普通技术人员在没有作出创造性劳动前提下所获得的所有其他实施例，都属于本申请保护的范围。
实施例1
图1示出本实施例中资金自动估值核算方法的流程图。该资金自动估值核算方法应用在金融服务中，用于在系统中自动化执行估值核算的任务进程，以便简化执行过程，减少出错率。本实施例中，以应用在保险金融行业的资金估值核算为例进行说明。详述如下：
如图1所示，该资金自动估值核算方法包括如下步骤：
S10:在预设时间点查询金融数据库中是否存在待核算数据。
其中，预设时间点为用户根据实际情况设定的具体时间并且该具体时间可以更改，例如，用户把预设时间点设定在下午3点钟，则到达下午3点开始查询。
金融数据库中存储着金融交易过程中的所有数据，例如，基本数据，实收数据，利率重置数据，交易层交易数据和财务层交易数据，交易层持仓数据和财务层持仓数据，交易相关资金变动数据和交易无关资金变动数据，MTM值相关变动数据，无头流水数据和权益数据等。
待核算数据是指执行资金估值核算时，所需要的相应的数据。例如执行权益重置需要的银行最新的利率集合、执行清算需要的财务层交易数据等。
具体地，在预设时间点触发对金融数据库的查询，查询金融数据库中是否存在待核算数据。
进一步地，对于金融数据库中是否存在待核算数据的具体查询方式，可选地，可以为对金融数据库中待核算数据的种类的查询。例如，当查询到金融数据库存在待核算数据时，判断金融数据库中待核算数据的种类是否达到预设种类。当查询金融数据库中存在预设种类的待核算数据时，即金融数据库中存在待核算数据。
S20:当监测到金融数据库中存在待核算数据时，获取待核算数据，并从待核算数据中获取最新的利率集合，基于最新的利率集合对当日前一天的利率进行权益重置以生成重置利率，并对权益重置的状态进行监测。
其中，最新的利率集合是指采集的各银行实时发布的当日最新利率。
重置利率是根据各银行的最新利率计算得到的该估值核算中相应的最新利率，用以替换估值核算系统中当日前一天的利率。
权益重置的状态是标明该权益重置任务是否执行成功的属性信息，权益重置的状态包括未执行状态、任务成功状态和任务失败状态。未执行状态表示权益重置任务未执行或者未执行完成；任务成功状态表示权益重置任务已经执行并且执行成功；任务失败状态表示权益重置任务已经执行但是执行失败。通过对权益重置的状态的监测，可以实时掌握资金估值权益重置的进程，并以作为触发持仓计算的条件。
进一步地，可以设置从金融数据库中获取不同种类的待核算数据的顺序。例如，估值核算的过程一般按照权益重置、持仓计算、清算和制证的逻辑来进行。在获取待核算数据时，可以按照系统进行估值核算的逻辑，设置先获取执行权益重置所需要的数据，再获取执行持仓计算所需要的数据，然后获取清算所需要的数据以及最后获取制证所需要的数据。
例如，当接收完执行权益重置需要的所有数据后，则可以开始对该数据执行权益重置，而不必等待所有待核算数据都接受完毕再开始执行权益重置任务。
进一步地，检测系统当前是否获取完执行权益重置所需要的所有数据，可以根据当前获取的执行权益重置所需要的所有数据的大小来检测。例如，系统上执行权益重置所需要的所有数据是从金融数据库获取的，判断获取到的执行权益重置所需要的所有数据的数据量大小占金融数据库中发送的该数据的数据量的比例，当获取到的数据量大小比例达到预设比例时，即可以执行相应的任务。例如，当获取执行权益重置所需要的所有数据的数据量大小比例达到100％时，则可以确定执行权益重置所需要的所有数据已获取完毕。
其中，待核算数据可以是在经查询系统不断查询到达预设种类时的待核算数据，也可以是未达到预设种类而经人工干预后达到预设种类状态的待核算数据，这两者都可以触发权益重置的步骤。
进一步地，监测到估值核算系统上的待核算数据的种类达到预设种类时，获取相应银行最新的利率集合，从最新的利率集合中获取最新的一条有效的利率，对当日前一天的利率执行权益重置，得到当日的重置利率。同时，对权益重置的状态进行监测。
优选地，对权益重置的状态进行监测的过程中，可以形成权益重置日志并予以保存，以供后期查询。保存期限可以更改，例如，用户根据自己的需要和内存的大小，设置保存天数为30天，默认的保存天数为7天。
S30:当监测到权益重置的状态为权益重置成功时，从待核算数据中获取持仓基础数据，基于重置利率对持仓基础数据进行持仓计算，以生成当日的权益数据，并对持仓计算的状态进行监测。
其中，持仓是指投资者持有期货、股票、基金、债券等衍生金融工具。
持仓基础数据是指对期货、股票、基金、债券等衍生金融进行计算持仓成本或持仓收益等所需要的数据。
权益数据是指持有的期货、股票、基金、债券等衍生金融份额产生的收益利润。
持仓计算的状态是标明该持仓计算任务是否执行成功的属性信息，持仓计算的状态包括未执行状态、任务成功状态和任务失败状态。未执行状态表示持仓计算任务未执行或者未执行完成；任务成功状态表示持仓计算任务已经执行并且执行成功；任务失败状态表示持仓计算任务已经执行但是执行失败。通过对持仓计算的状态的监测，可以实时掌握资金持仓计算的进程，并以作为触发清算的条件。
具体地，权益重置成功时权益重置的状态由未执行状态变成任务成功状态。具体可以通过检测权益重置任务是否生成了重置利率，若执行权益重置任务后生成了重置利率，则权益重置成功；反之，没有生成重置利率，则权益重置不成功。
当权益重置的状态变为任务成功的状态时，系统触发持仓计算任务，从待核算数据中获取当日前一天的持仓数据和当日的交易数据，生成持仓基础数据，基于重置利率对当日的持仓基础数据进行持仓计算生成当日的权益数据。同时，对持仓计算的状态进行监测。
例如，期货的权益数据是指期货交易者在交易闭市时所持有合约按当日结算价计算的持仓值与原持仓值的价差。期货的权益数据计算公式为：当日开仓持仓盈亏＝∑[(卖出开仓价-当日结算价)×卖出开仓量]+∑[(当日结算价-买入开仓价)×买入开仓量]。其中当日结算价为合约最后一小时成交价格根据重置利率按照成交量的加权平均价。
优选地，对持仓计算的状态进行监测的过程中，可以形成持仓计算日志并予以保存，以供后期查询。其具体实现方式同S20一样，此处不再赘述。
S40:当监测到持仓计算的状态为持仓计算成功时，从待核算数据中获取财务层交易数据，对财务层交易数据和当日的权益数据进行清算以生成交易资金变动数据，并对清算的状态进行监测。
其中，清算是指把一时期内的所有收支情况进行总结核算。在估值核算系统中为核算估值日期内所有资金的收支情况。
财务层交易数据是指财务层面上进行交易所产生的实际的资金数据。
交易资金变动数据是指一时期内相对于上一个计算周期的收支情况的体现。例如，在一个计算周期内，基金进行清算之后是亏损还是盈利的体现。
清算的状态是标明该清算任务是否执行成功的属性信息，清算的状态包括未执行状态、任务成功状态和任务失败状态。未执行状态表示清算任务未执行或者未执行完成；任务成功状态表示清算任务已经执行并且执行成功；任务失败状态表示清算任务已经执行但是执行失败。通过对清算的状态的监测，可以实时掌握资金的清算进程，并以作为业务制证的触发条件。
具体地，持仓计算成功时持仓计算的状态由未执行状态变成任务成功状态。具体可以通过检测持仓计算任务是否生成了当日的权益数据，若执行持仓计算任务后生成了当日的权益数据，则持仓计算成功；反之，没有生成当日的权益数据，则持仓计算不成功。
当持仓计算的状态变为任务成功的状态时，触发清算任务，系统从待核算数据中获取出财务层交易数据，财务层交易数据获取完毕，则对财务层交易数据和当日的权益数据进行清算生成交易资金变动数据。同时，对持仓计算的状态进行监测。
例如，期货的交易资金变动数据可以是指期货交易的持仓盈亏。持仓盈亏＝历史持仓盈亏+当日开仓持仓盈亏。其中，历史持仓盈亏＝(当日结算价-上一日结算价)×持仓量；所以，持仓盈亏＝(当日结算价-上一日结算价)×持仓量+当日开仓持仓盈亏。
优选地，对清算的状态进行监测的过程中，可以形成清算日志并予以保存，以供后期查询。其具体实现方式同S20一样，此处不再赘述。
S50:当监测到清算的状态为清算成功时，获取交易资金变动数据，对交易资金变动数据进行业务制证，生成制证凭证。
其中，业务制证是指按照相应的财务规范编制记账凭证。
制证凭证就是指制证之后生存的记账凭证。
具体地，清算成功时清算的状态由未执行状态变成任务成功状态。具体可以通过检测清算任务是否生成了交易资金变动数据，若执行清算任务后生成了交易资金变动数据，则清算成功；反之，没有生成交易资金变动数据，则清算不成功。
当清算的状态变为任务成功的状态时，触发业务制证任务，系统获取交易资金变动数据，对交易资金变动数据进行业务制证生成制证凭证。
优选地，完成制证任务之后，可以形成制证日志并予以保存，以供后期查询。
本申请所提供的资金自动估值核算方法中，通过在预设时间点定时查询金融数据库，然后获取待核算数据，减少了人为操作的过程，执行更方便；通过获取到相应的待核算数据以触发权益重置任务，使得估值核算流程开始执行，提高了系统的执行效率；通过监测权益重置的状态、持仓计算的状态、清算的状态的状态信息，以监测权益重置任务、持仓计算任务、清算任务的执行进程，并作为下一任务的触发条件，使得估值核算过程流程化、标准化，极大地简化了执行过程，减少了人力和时间成本。
在一具体实施方式中，如图2所示，步骤S20中，获取所述待核算数据，具体包括如下步骤：
S201:获取用户输入的待查询的估值类型以及核算日期。
其中，估值类型是指要进行核算金融数据的类型。核算日期是用于确定核算哪一天的金融数据。
具体地，获取用户从客户端输入的估值类型和核算日期，确定要查询的金融数据的类型和日期。估值类型和核算日期可以通过用户在系统界面选择相应的选项以获得。
S202:获取金融增量数据，将金融增量数据同步至金融数据库中。
其中，金融增量数据是指金融交易过程中数据更新的部分，即在上次查询金融数据库至本次查询之间，更新的待核算数据。金融增量数据可以采用增量同步的方式获得。增量同步是指只同步两个数据库不同的部分。
具体地，估值核算系统每天3点，从CDMS和PCMS两个数据库中获取更新的基本数据和实收数据，然后从Mecury数据库获取估值核算需要的交易数据，其中，基本数据、实收数据和交易数据更新的部分为金融增量数据。采用增量同步的方法，将金融增量数据同步至金融数据库中。采用增量同步的方法，可以既保证了金融数据库的完整性、时效性 和最新性，也提高了每次更新数据的效率。增量同步只获取更新部分的金融增量数据，提高了更新数据的效率。
当金融增量数据同步至金融数据库之后，然后按照用户选择的估值类型和估值日期，去匹配相应的待核算数据。
进一步地，查询金融数据库获取待核算数据可以根据用户的设定频率进行查询，以每隔预设时间段进行查询，将预设时间段内更新的金融增量数据同步至金融数据库。例如，每隔15分钟对金融数据查询一次，默认查询频率为每0.25h/次，将每次查询到的数据更新的部分同步至金融数据库，直至完成相关待核算数据的获取。
S203:基于待查询的估值类型以及核算日期，从金融数据库获取对应的待核算数据。
其中，基于要执行估值核算的估值类型以及核算日期，按照用户所设定的估值类型和核算日期为过滤条件，从金融数据库中查询相应的金融数据。
在本实施方式中，通过设定每隔预设时间段对金融数据库进行增量同步，以便能够保证获取金融数据的实时性和完整性，保障估值核算的准确性；通过估值类型和核算日期对金融数据库进行查询，以便能够从数量庞大的数据中获取出估值核算所需要的数据，提高系统效率。
在一具体实施方式中，如图3所示，步骤S20中，即基于最新的利率集合对当日前一天的利率进行权益重置以生成重置利率，并对权益重置的状态进行监测，具体包括如下步骤：
S21:基于银行最新的利率集合，获取基础利率。
其中，基础利率是指是金融市场上具有普遍参照作用的利率，其他利率水平或金融资产价格均可根据基础利率来确定。例如，以中国人民银行对国家专业银行和其他金融机构规定的存贷款利率为基础利率。
具体地，从金融数据库中获取银行最新的利率集合，从最新的利率集合中获取出有效的基础利率。
S22:采用多线程方式，依据预设支付周期，基于基础利率对当日前一天的利率进行重新计算以生成重置利率。
其中，多线程方式是指多个线程的工作并行进行，以提高系统效率。
支付周期是指金融交易中设定的支付结算完成一个循环的时间段。
重置利率是指某一金融资产当天的市场利率，用于置换当日前一天的市场利率，是金融资产资金借贷成本的真实反映。
具体地，从最新的利率集合中获取到基础利率，根据预设支付周期内资金市场的供求变化关系得到相应市场利率的浮动倍额，采用多个线程并行进行的方式，基于相应市场利率的浮动倍额对基础利率进行计算，基于基础利率对当日前一天的利率进行计算，生成重置利率，将计算出来的重置利率，置换掉当日前一天的市场利率。
S23:当生成重置利率时，导出并存储重置利率并将权益重置的状态由第一权益状态变成第二权益状态。
具体地，导出并存储重置利率，可以向存储重置利率的数据库发起数据查询以确认数据库存储导出的重置利率。其中，可以通过数据库存储的数据状态进行数据查询，也可以根据数据库的存储状态进行数据查询，优选地，向数据库发起SQL查询，根据查询结果判断数据库中是否存储有导出的重置利率。
进一步地，第一权益状态是指权益重置的未执行状态，第二权益状态是指权益重置的任务成功状态，第三权益状态是指权益重置的任务失败状态。可以用代码来表示权益重置的状态的第一权益状态、第二权益状态和第三权益状态，例如，在权益重置的状态的属性信息中，用0010表示第一权益状态，用0011表示第二权益状态，用0012表示第三权益状态，更利于标记和区分。
若当前数据权益重置成功之后，导出并存储重置利率，权益重置的状态由第一权益状态变为第二权益状态，则其代码由0010变为0011，当检测到当前权益重置的状态为0011时，触发持仓计算任务。
S24:当未生成重置利率时，将权益重置的状态由第一权益状态变成第三权益状态。
具体地，若当前数据执行权益重置任务不成功，未生成重置利率，则权益重置的状态由第一权益状态变为第三权益状态，则其代码由0010变为0012，当检测到权益重置的状态为0012时，自动返回上一步骤，并重新执行权益重置任务。同时发出提示信息，以提示相关人员进行错误核查。
在本实施方式中，通过从银行最新的利率集合中获取基础利率，保障了利率数据的实时性和有效性；通过采用多线程方式计算重置利率，大大提高了系统的效率；采用代码来表示权益重置的状态的不同状态，便于掌握权益重置任务的进程；通过对数据库发起查询，以确认数据库是否存储导出的重置利率，为一下个任务的顺利执行提供了保障；对任务失败的状态发出提示信息，便于及时解决进程中的错误。
在一具体实施方式中，如图4所示，步骤S30中，即待核算数据包括当日前一天的持仓数据和当日的交易数据；当监测到权益重置的状态为权益重置成功时，从待核算数据中获取持仓基础数据，基于重置利率对持仓基础数据进行持仓计算，以生成当日的权益数据，并对持仓计算的状态进行监测，具体包括如下步骤：
S31:当监测到权益重置的状态为第二权益状态时，基于当日前一天的持仓数据和当日的交易数据生成当日的持仓基础数据。
具体地，权益重置的状态为第二权益状态时，则表示权益重置任务执行成功，触发持仓计算任务。系统首先从待核算数据中获取当日前一天的持仓数据和当日的交易数据，生成当日的持仓基础数据。
S32:基于重置利率，对当日的持仓基础数据进行持仓计算以生成当日的权益数据。
具体地，权益重置任务执行成功后，重置利率导出并存储在数据库中，系统从数据库中获取重置利率，基于重置利率对当日的持仓基础数据进行持仓计算，生成当日的权益数据。
S33:当生成当日的权益数据时，导出并存储当日的权益数据并将持仓计算的状态由第一持仓状态变成第二持仓状态。
具体地，导出并存储当日的权益数据，可以向存储当日的权益数据的数据库发起数据查询以确认数据库存储导出的该当日的权益数据。其中，可以通过数据库存储的数据状态进行数据查询，也可以根据数据库的存储状态进行数据查询，优选地，向数据库发起SQL查询，根据查询结果判断数据库中是否存储导出的当日的权益数据。
进一步地，第一持仓状态是指持仓计算的未执行状态，第二持仓状态是指持仓计算的任务完成状态，第三持仓状态是指持仓计算的任务失败状态。可以用代码来表示持仓计算的状态的第一持仓状态、第二持仓状态和第三持仓状态，例如，在持仓计算的状态的属性信息中，用0020表示第一持仓状态，用0021表示第二持仓状态，用0022表示第三持仓状态。
若当前数据持仓计算成功之后，导出并存储当日的权益数据，持仓计算的状态由第一持仓状态变为第二持仓状态，则其代码由0020变为0021，当检测到当前持仓计算的状态为0021时，触发清算任务。
S34:当未生成当日的权益数据时，将权益重置的状态由第一持仓状态变成第三持仓状态。
具体地，若当前数据执行持仓计算任务不成功，未生成当日的权益数据，则持仓计算的状态由第一持仓状态变为第三持仓状态，则其代码由0020变为0022，当检测到持仓计算的状态为0022时，自动返回上一步骤，并重新执行持仓计算任务。同时发出提示信息，以提示相关人员进行错误核查。
在本实施方式中，通过采用代码来表示持仓计算进程的不同状态，可以实时显示任务进程，便于管理和监控；通过对数据库发起查询，以确认数据库是否存储导出的当日的权益数据，为一下个任务的顺利执行提供了保障；对任务失败的状态发出提示信息，便于及时解决进程中的错误。
在一具体实施方式中，步骤S40中，即当监测到持仓计算的状态为持仓计算成功时，从待核算数据中获取财务层交易数据，对财务层交易数据和当日的权益数据进行清算以生成交易资金变动数据，并对清算的状态进行监测，具体为：
当检测到持仓计算的状态为第二持仓状态时，则表示持仓计算任务执行成功，触发清算任务。系统从待核算数据中获取财务层交易数据，对财务层交易数据和当日的权益数据进行清算，生成交易资金变动数据。
当生成交易资金变动数据时，导出并存储交易资金变动数据并将清算的状态由第一清算状态变为第二清算状态。
当未生成交易资金变动数据时，将清算的状态由第一清算状态变成第三清算状态。
其中，第一清算状态用于指示清算的未执行状态，第二清算状态用于指示清算的任务成功状态；第三清算状态用于指示清算的任务失败状态。可以用代码来表示清算的状态的第一清算状态、第二清算状态和第三清算状态。例如，在清算的状态的属性信息中，用0030表示第一清算状态，用0031表示第二清算状态，用0032表示第三清算状态。
在一具体实施方式中，如图5所示，步骤S50，即对交易资金变动数据进行业务制证，生成制证凭证，具体包括如下步骤：
S51:对交易资金变动数据的账目明细进行监测，并判断账目明细是否平衡；当判定账目明细不平衡时，对存在的不平账目数据进行保存，并发出警报信息；当判定账目明细平衡时，对交易资金变动数据进行业务制证，生成制证凭证。
具体地，清算完成后，根据相应的财务分录规则，对交易资金变动数据的账目明细进行监测。当判定账目明细不平时，对存在的不平账目数据进行保存，并发出报警信息。若判定账目明细平衡，则对交易资金变动数据执行业务制证。
在本实施方式中，存在账目明细不平时，通过保存账目不平的数据，同时发出报警信息给相关人员，可以使相关人员及时准确的了解对账不平数据位置，同时也可以利用人工弥补清算的不足，保证清算结果的正确。
应理解，上述实施例中各步骤的序号的大小并不意味着执行顺序的先后，各过程的执行顺序应以其功能和内在逻辑确定，而不应对本申请的实施过程构成任何限定。
实施例2
图6示出与实施例1中资金自动估值核算方法一一对应的资金自动估值核算装置的原理框图。如图6所示，该资金自动估值核算装置包括数据查询模块10、权益重置模块20、持仓计算模块30、清算模块40和业务制证模块50。
数据查询模块10，用于在预设时间点查询金融数据库中是否存在待核算数据。
权益重置模块20，用于当监测到金融数据库中存在待核算数据时，获取待核算数据，并从待核算数据中获取最新的利率集合，基于最新的利率集合对当日前一天的利率进行权益重置以生成重置利率，并对权益重置的状态进行监测。
持仓计算模块30，用于当监测到权益重置的状态为权益重置成功时，从待核算数据中获取持仓基础数据，基于重置利率对持仓基础数据进行持仓计算，以生成当日的权益数据，并对持仓计算的状态进行监测。
清算模块40，用于当监测到持仓计算的状态为持仓计算成功时，从待核算数据中获取财务层交易数据，对财务层交易数据和当日的权益数据进行清算以生成交易资金变动数据，并对清算的状态进行监测。
业务制证模块50，用于当监测到清算的状态为清算成功时，获取交易资金变动数据，对交易资金变动数据进行业务制证，生成制证凭证。
优选地，权益重置模块20，包括：估值类型获取单元201、数据同步单元202和数据查询单元203。
估值类型获取单元201，用于获取用户输入的待查询的估值类型以及核算日期。
数据同步单元202，用于获取金融增量数据，将金融增量数据同步至金融数据库中。
数据查询单元203，用于基于待查询的估值类型以及核算日期，从金融数据库获取对应的待核算数据。
优选地，权益重置模块20，还包括：基础利率获取单元21、重置利率生成单元22和权益状态监控单元23。
基础利率获取单元21，用于基于银行最新的利率集合，获取基础利率。
重置利率生成单元22，用于采用多线程方式，依据预设支付周期，基于基础利率对当日前一天的利率进行重新计算以生成重置利率。
权益状态监控单元23，用于当生成重置利率时，导出并存储重置利率并将权益重置的状态由第一权益状态变成第二权益状态；当未生成重置利率时，将权益重置的状态由第一权益状态变成第三权益状态；其中，第一权益状态用于指示权益重置的未执行状态，第二权益状态用于指示权益重置的任务成功状态，第三权益状态用于指示权益重置的任务失败状态。
优选地，持仓计算模块30，包括：持仓基础数据生成单元31、权益数据生成单元32和持仓状态监控单元33。
持仓基础数据生成单元31，用于当监测到权益重置的状态为第二权益状态时，基于当日前一天的持仓数据和当日的交易数据生成当日的持仓基础数据。
权益数据生成单元32，用于基于重置利率，对当日的持仓基础数据进行持仓计算以生成当日的权益数据。
持仓状态监控单元33，用于当生成当日的权益数据时，导出并存储当日的权益数据并将持仓计算的状态由第一持仓状态变成第二持仓状态；当未生成生成当日的权益数据时，将权益重置的状态由第一持仓状态变成第三持仓状态；其中，第一持仓状态用于指示持仓计算的未执行状态，第二持仓状态用于指示持仓计算的任务成功状态；第三持仓状态用于指示持仓计算的任务失败状态。
优选地，业务制证模块50，包括：对账单元51。
对账单元51，用于对交易资金变动数据的账目明细进行监测，并判断账目明细是否平衡；当判定账目明细不平衡时，对存在的不平账目数据进行保存，并发出警报信息；当判定账目明细平衡时，对交易资金变动数据进行业务制证，生成制证凭证。
本实施例资金自动估值核算装置中各模块的实现功能与实施例中资金自动估值核算方法对应的步骤一一对应，为避免赘述，本实施例不一一详述。各模块实现各自功能的过程，具体可参考前述实施例的描述，此处不再赘述。
实施例3
本实施例提供一个或多个存储有计算机可读指令的非易失性可读存储介质。该计算机可读指令被一个或多个处理器执行时，使得该一个或多个处理器执行如实施例1中的资金自动估值核算方法，为避免重复，这里不再赘述。或者，该计算机可读指令被一个或多个处理器执行时，使得该一个或多个处理器实现实施例2中资金自动估值核算中各模块/单元的功能，为避免重复，这里不再赘述。
可以理解地，所述一个或多个存储有计算机可读指令的非易失性可读存储介质可以包括：能够携带所述计算机可读指令的任何实体或装置、记录介质、U盘、移动硬盘、磁碟、光盘、计算机存储器、只读存储器(ROM，Read-Only Memory)、随机存取存储器(RAM，Random Access Memory)、电载波信号和电信信号等。
实施例4
图7是本申请一实施例提供的计算机设备的示意图。如图7所示，该实施例的计算机设备70包括：处理器71、存储器72以及存储在存储器72中并可在处理器71上运行的计算机可读指令73。处理器71执行计算机可读指令73时实现上述实施例1中资金自动估值核算方法的步骤，例如图1所示的步骤S10至S50。或者，处理器71执行计算机可读指令73时实现上述各装置实施例中各模块/单元的功能，例如图6所示模块10至50的功能。
所属领域的技术人员可以清楚地了解到，为了描述的方便和简洁，仅以上述各功能单元、模块的划分进行举例说明，实际应用中，可以根据需要而将上述功能分配由不同的功能单元、模块完成，即将所述装置的内部结构划分成不同的功能单元或模块，以完成以上描述的全部或者部分功能。
以上所述实施例仅用以说明本申请的技术方案，而非对其限制；尽管参照前述实施例对本申请进行了详细的说明，本领域的普通技术人员应当理解：其依然可以对前述各实施例所记载的技术方案进行修改，或者对其中部分技术特征进行等同替换；而这些修改或者替换，并不使相应技术方案的本质脱离本申请各实施例技术方案的精神和范围，均应包含在本申请的保护范围之内。

Claims (20)

  1. 一种资金自动估值核算方法，其特征在于，所述资金自动估值核算方法包括：
    在预设时间点查询金融数据库中是否存在待核算数据；
    当监测到所述金融数据库中存在所述待核算数据时，获取所述待核算数据，并从所述待核算数据中获取最新的利率集合，基于所述最新的利率集合对当日前一天的利率进行权益重置以生成重置利率，并对所述权益重置的状态进行监测；
    当监测到所述权益重置的状态为权益重置成功时，从所述待核算数据中获取持仓基础数据，基于所述重置利率对所述持仓基础数据进行持仓计算，以生成当日的权益数据，并对所述持仓计算的状态进行监测；
    当监测到所述持仓计算的状态为持仓计算成功时，从所述待核算数据中获取财务层交易数据，对所述财务层交易数据和所述当日的权益数据进行清算以生成交易资金变动数据，并对所述清算的状态进行监测；
    当监测到所述清算的状态为清算成功时，获取所述交易资金变动数据，对所述交易资金变动数据进行业务制证，生成制证凭证。
  2. 如权利要求1所述的资金自动估值核算方法，其特征在于，所述获取所述待核算数据，包括：
    获取用户输入的待查询的估值类型以及核算日期；
    获取金融增量数据，将所述金融增量数据同步至所述金融数据库中；
    基于所述待查询的估值类型以及所述核算日期，从所述金融数据库获取对应的所述待核算数据。
  3. 如权利要求1所述的资金自动估值核算方法，其特征在于，所述基于所述最新的利率集合对当日前一天的利率进行权益重置以生成重置利率，并对所述权益重置的状态进行监测，包括：
    基于银行最新的利率集合，获取基础利率；
    采用多线程方式，依据预设支付周期，基于所述基础利率对当日前一天的利率进行重新计算以生成重置利率；
    当生成所述重置利率时，导出并存储所述重置利率并将所述权益重置的状态由第一权益状态变成第二权益状态；
    当未生成所述重置利率时，将所述权益重置的状态由所述第一权益状态变成第三权益状态；
    其中，所述第一权益状态用于指示权益重置的未执行状态，所述第二权益状态用于指示权益重置的任务成功状态；所述第三权益状态用于指示权益重置的任务失败状态。
  4. 如权利要求3所述的资金自动估值核算方法，其特征在于，所述待核算数据包括当日前一天的持仓数据和当日的交易数据；所述当监测到所述权益重置的状态为权益重置成功时，从所述待核算数据中获取持仓基础数据，基于所述重置利率对所述持仓基础数据进行持仓计算，以生成当日的权益数据，并对所述持仓计算的状态进行监测，包括：
    当监测到所述权益重置的状态为所述第二权益状态时，基于当日前一天的持仓数据和当日的交易数据生成当日的持仓基础数据；
    基于所述重置利率，对所述当日的持仓基础数据进行持仓计算以生成当日的权益数据；
    当生成所述当日的权益数据时，导出并存储所述当日的权益数据并将所述持仓计算的状态由第一持仓状态变成第二持仓状态；
    当未生成所述当日的权益数据时，将所述权益重置的状态由所述第一持仓状态变成第三持仓状态；
    其中，所述第一持仓状态用于指示持仓计算的未执行状态，所述第二持仓状态用于指示持仓计算的任务成功状态，所述第三持仓状态用于指示持仓计算的任务失败状态。
  5. 如权利要求1所述的资金自动估值核算方法，其特征在于，对所述交易资金变动数据进行业务制证，生成制证凭证，包括：
    对所述交易资金变动数据的账目明细进行监测，并判断账目明细是否平衡；当判定账目明细不平衡时，对存在的不平账目数据进行保存，并发出警报信息；当判定账目明细平衡时，对所述交易资金变动数据进行业务制证，生成制证凭证。
  6. 一种资金自动估值核算装置，其特征在于，所述资金自动估值核算装置包括：
    数据查询模块，用于在预设时间点查询金融数据库中是否存在待核算数据；
    权益重置模块，用于当监测到所述金融数据库中存在所述待核算数据时，获取所述待核算数据，并从所述待核算数据中获取最新的利率集合，基于所述最新的利率集合对当日前一天的利率进行权益重置以生成重置利率，并对所述权益重置的状态进行监测；
    持仓计算模块，用于当监测到所述权益重置的状态为权益重置成功时，从所述待核算数据中获取持仓基础数据，基于所述重置利率对所述持仓基础数据进行持仓计算，以生成当日的权益数据，并对所述持仓计算的状态进行监测；
    清算模块，用于当监测到所述持仓计算的状态为持仓计算成功时，从所述待核算数据中获取财务层交易数据，对所述财务层交易数据和所述当日的权益数据进行清算以生成交易资金变动数据，并对所述清算的状态进行监测；
    业务制证模块，用于当监测到所述清算的状态为清算成功时，获取所述交易资金变动数据，对所述交易资金变动数据进行业务制证，生成制证凭证。
  7. 如权利要求6所述的资金自动估值核算装置，其特征在于，所述权益重置模块包括：
    估值类型获取单元，用于获取用户输入的待查询的估值类型以及核算日期；
    数据同步单元，用于获取金融增量数据，将所述金融增量数据同步至所述金融数据库中；
    数据查询单元，用于基于所述待查询的估值类型以及所述核算日期，从所述金融数据库获取对应的所述待核算数据。
  8. 如权利要求6所述的资金自动估值核算装置，其特征在于，所述权益重置模块还包括：
    基础利率获取单元，用于基于银行最新的利率集合，获取基础利率；
    重置利率生成单元，用于采用多线程方式，依据预设支付周期，基于所述基础利率对当日前一天的利率进行重新计算以生成重置利率；
    权益状态监控单元，用于当生成所述重置利率时，导出并存储所述重置利率并将所述权益重置的状态由第一权益状态变成第二权益状态；当未生成所述重置利率时，将所述权益重置的状态由所述第一权益状态变成第三权益状态；其中，所述第一权益状态用于指示权益重置的未执行状态，所述第二权益状态用于指示权益重置的任务成功状态；所述第三权益状态用于指示权益重置的任务失败状态。
  9. 如权利要求8所述的资金自动估值核算装置，其特征在于，所述持仓计算模块包括：
    持仓基础数据生成单元，用于当监测到所述权益重置的状态为所述第二权益状态时，基于当日前一天的持仓数据和当日的交易数据生成当日的持仓基础数据；
    权益数据生成单元，用于基于所述重置利率，对所述当日的持仓基础数据进行持仓计算以生成当日的权益数据；
    持仓状态监控单元，用于当生成所述当日的权益数据时，导出并存储所述当日的权益数据并将所述持仓计算的状态由第一持仓状态变成第二持仓状态；当未生成所述当日的权益数据时，将所述权益重置的状态由所述第一持仓状态变成第三持仓状态；其中，所述第一持仓状态用于指示持仓计算的未执行状态，所述第二持仓状态用于指示持仓计算的任务成功状态，所述第三持仓状态用于指示持仓计算的任务失败状态。
  10. 如权利要求6所述的资金自动估值核算装置，其特征在于，所述业务制证模块包括：
    对账单元，用于对所述交易资金变动数据的账目明细进行监测，并判断账目明细是否平衡；当判定账目明细不平衡时，对存在的不平账目数据进行保存，并发出警报信息；当判定账目明细平衡时，对所述交易资金变动数据进行业务制证，生成制证凭证。
  11. 一种计算机设备，包括存储器、处理器以及存储在所述存储器中并可在所述处理器上运行的计算机可读指令，其特征在于，所述处理器执行所述计算机可读指令时实现如下步骤：
    在预设时间点查询金融数据库中是否存在待核算数据；
    当监测到所述金融数据库中存在所述待核算数据时，获取所述待核算数据，并从所述待核算数据中获取最新的利率集合，基于所述最新的利率集合对当日前一天的利率进行权益重置以生成重置利率，并对所述权益重置的状态进行监测；
    当监测到所述权益重置的状态为权益重置成功时，从所述待核算数据中获取持仓基础数据，基于所述重置利率对所述持仓基础数据进行持仓计算，以生成当日的权益数据，并对所述持仓计算的状态进行监测；
    当监测到所述持仓计算的状态为持仓计算成功时，从所述待核算数据中获取财务层交易数据，对所述财务层交易数据和所述当日的权益数据进行清算以生成交易资金变动数据，并对所述清算的状态进行监测；
    当监测到所述清算的状态为清算成功时，获取所述交易资金变动数据，对所述交易资金变动数据进行业务制证，生成制证凭证。
  12. 如权利要求11所述的计算机设备，其特征在于，所述获取所述待核算数据，包括：
    获取用户输入的待查询的估值类型以及核算日期；
    获取金融增量数据，将所述金融增量数据同步至所述金融数据库中；
    基于所述待查询的估值类型以及所述核算日期，从所述金融数据库获取对应的所述待核算数据。
  13. 如权利要求11所述的计算机设备，其特征在于，所述基于所述最新的利率集合对当日前一天的利率进行权益重置以生成重置利率，并对所述权益重置的状态进行监测，包括：
    基于银行最新的利率集合，获取基础利率；
    采用多线程方式，依据预设支付周期，基于所述基础利率对当日前一天的利率进行重新计算以生成重置利率；
    当生成所述重置利率时，导出并存储所述重置利率并将所述权益重置的状态由第一权益状态变成第二权益状态；
    当未生成所述重置利率时，将所述权益重置的状态由所述第一权益状态变成第三权益状态；
    其中，所述第一权益状态用于指示权益重置的未执行状态，所述第二权益状态用于指示权益重置的任务成功状态；所述第三权益状态用于指示权益重置的任务失败状态。
  14. 如权利要求13所述的计算机设备，其特征在于，所述待核算数据包括当日前一天的持仓数据和当日的交易数据；所述当监测到所述权益重置的状态为权益重置成功时，从所述待核算数据中获取持仓基础数据，基于所述重置利率对所述持仓基础数据进行持仓计算，以生成当日的权益数据，并对所述持仓计算的状态进行监测，包括：
    当监测到所述权益重置的状态为所述第二权益状态时，基于当日前一天的持仓数据和当日的交易数据生成当日的持仓基础数据；
    基于所述重置利率，对所述当日的持仓基础数据进行持仓计算以生成当日的权益数据；
    当生成所述当日的权益数据时，导出并存储所述当日的权益数据并将所述持仓计算的状态由第一持仓状态变成第二持仓状态；
    当未生成所述当日的权益数据时，将所述权益重置的状态由所述第一持仓状态变成第三持仓状态；
    其中，所述第一持仓状态用于指示持仓计算的未执行状态，所述第二持仓状态用于指示持仓计算的任务成功状态，所述第三持仓状态用于指示持仓计算的任务失败状态。
  15. 如权利要求11所述的计算机设备，其特征在于，对所述交易资金变动数据进行业务制证，生成制证凭证，包括：
    对所述交易资金变动数据的账目明细进行监测，并判断账目明细是否平衡；当判定账目明细不平衡时，对存在的不平账目数据进行保存，并发出警报信息；当判定账目明细平衡时，对所述交易资金变动数据进行业务制证，生成制证凭证。
  16. 一个或多个存储有计算机可读指令的非易失性可读存储介质，其特征在于，所述计算机可读指令被一个或多个处理器执行时，使得所述一个或多个处理器执行如下步骤：
    在预设时间点查询金融数据库中是否存在待核算数据；
    当监测到所述金融数据库中存在所述待核算数据时，获取所述待核算数据，并从所述待核算数据中获取最新的利率集合，基于所述最新的利率集合对当日前一天的利率进行权益重置以生成重置利率，并对所述权益重置的状态进行监测；
    当监测到所述权益重置的状态为权益重置成功时，从所述待核算数据中获取持仓基础数据，基于所述重置利率对所述持仓基础数据进行持仓计算，以生成当日的权益数据，并对所述持仓计算的状态进行监测；
    当监测到所述持仓计算的状态为持仓计算成功时，从所述待核算数据中获取财务层交易数据，对所述财务层交易数据和所述当日的权益数据进行清算以生成交易资金变动数据，并对所述清算的状态进行监测；
    当监测到所述清算的状态为清算成功时，获取所述交易资金变动数据，对所述交易资金变动数据进行业务制证，生成制证凭证。
  17. 如权利要求16所述的非易失性可读存储介质，其特征在于，所述获取所述待核算数据，包括：
    获取用户输入的待查询的估值类型以及核算日期；
    获取金融增量数据，将所述金融增量数据同步至所述金融数据库中；
    基于所述待查询的估值类型以及所述核算日期，从所述金融数据库获取对应的所述待核算数据。
  18. 如权利要求16所述的非易失性可读存储介质，其特征在于，所述基于所述最新的利率集合对当日前一天的利率进行权益重置以生成重置利率，并对所述权益重置的状态进行监测，包括：
    基于银行最新的利率集合，获取基础利率；
    采用多线程方式，依据预设支付周期，基于所述基础利率对当日前一天的利率进行重新计算以生成重置利率；
    当生成所述重置利率时，导出并存储所述重置利率并将所述权益重置的状态由第一权益状态变成第二权益状态；
    当未生成所述重置利率时，将所述权益重置的状态由所述第一权益状态变成第三权益状态；
    其中，所述第一权益状态用于指示权益重置的未执行状态，所述第二权益状态用于指示权益重置的任务成功状态；所述第三权益状态用于指示权益重置的任务失败状态。
  19. 如权利要求18所述的非易失性可读存储介质，其特征在于，所述待核算数据包括当日前一天的持仓数据和当日的交易数据；所述当监测到所述权益重置的状态为权益重置成功时，从所述待核算数据中获取持仓基础数据，基于所述重置利率对所述持仓基础数据进行持仓计算，以生成当日的权益数据，并对所述持仓计算的状态进行监测，包括：
    当监测到所述权益重置的状态为所述第二权益状态时，基于当日前一天的持仓数据和当日的交易数据生成当日的持仓基础数据；
    基于所述重置利率，对所述当日的持仓基础数据进行持仓计算以生成当日的权益数据；
    当生成所述当日的权益数据时，导出并存储所述当日的权益数据并将所述持仓计算的状态由第一持仓状态变成第二持仓状态；
    当未生成所述当日的权益数据时，将所述权益重置的状态由所述第一持仓状态变成第三持仓状态；
    其中，所述第一持仓状态用于指示持仓计算的未执行状态，所述第二持仓状态用于指示持仓计算的任务成功状态，所述第三持仓状态用于指示持仓计算的任务失败状态。
  20. 如权利要求16所述的非易失性可读存储介质，其特征在于，对所述交易资金变动数据进行业务制证，生成制证凭证，包括：
    对所述交易资金变动数据的账目明细进行监测，并判断账目明细是否平衡；当判定账目明细不平衡时，对存在的不平账目数据进行保存，并发出警报信息；当判定账目明细平衡时，对所述交易资金变动数据进行业务制证，生成制证凭证。
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