WO2020000633A1 - 资金监控方法、资金监控系统、终端及可读存储介质 - Google Patents

资金监控方法、资金监控系统、终端及可读存储介质 Download PDF

Info

Publication number
WO2020000633A1
WO2020000633A1 PCT/CN2018/103334 CN2018103334W WO2020000633A1 WO 2020000633 A1 WO2020000633 A1 WO 2020000633A1 CN 2018103334 W CN2018103334 W CN 2018103334W WO 2020000633 A1 WO2020000633 A1 WO 2020000633A1
Authority
WO
WIPO (PCT)
Prior art keywords
fund
preset
abnormal
funds
amount
Prior art date
Application number
PCT/CN2018/103334
Other languages
English (en)
French (fr)
Inventor
张欣宇
Original Assignee
平安科技（深圳）有限公司
Priority date (The priority date is an assumption and is not a legal conclusion. Google has not performed a legal analysis and makes no representation as to the accuracy of the date listed.)
Filing date
Publication date
Application filed by 平安科技（深圳）有限公司 filed Critical 平安科技（深圳）有限公司
Publication of WO2020000633A1 publication Critical patent/WO2020000633A1/zh

Links

Classifications

    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR 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
    • G06Q10/06—Resources, workflows, human or project management; Enterprise or organisation planning; Enterprise or organisation modelling
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR 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

Definitions

  • the present application relates to the technical field of fund monitoring, and in particular, to a fund monitoring method, a fund monitoring system, a fund monitoring terminal, and a computer-readable storage medium.
  • the capital plan refers to the overall management of funds by the enterprise, that is, how to rationally arrange and use funds to maximize the benefits of funds while ensuring the safety of the company's funds.
  • a company will manually monitor the progress of using the fund plan.
  • Fund monitoring involves enterprises in investment, financing, and commercial transactions, and plays an important role in the operation of enterprises.
  • the fund plan is manually developed and reviewed. Enterprises cannot monitor the fund plan completely and systematically. Instead, they must analyze and obtain the financial funds by reporting to the departments. At the same time, whether the fund plan is implemented according to the normal schedule also requires manual calculation and review, making it impossible for the enterprise to monitor the actual fund revenue and expenditure in real time, resulting in the lag in monitoring of the fund plan, resulting in low monitoring efficiency.
  • the main purpose of this application is to provide a method for monitoring funds, a system for monitoring funds, a terminal for monitoring funds, and a computer-readable storage medium, which are intended to solve the technical problem of inefficient monitoring of enterprises caused by the manual monitoring of funds plans.
  • an embodiment of the present application provides a method for monitoring funds.
  • the method for monitoring funds includes:
  • the actual income and expenditure amount is compared with the planned income and expenditure amount of the corresponding capital item in the preset capital plan. If the comparison is not consistent, the actual income and expenditure amount is set as an abnormal amount, and the funds to which the abnormal amount belongs The project is set as an abnormal fund project;
  • first alarm information of the abnormal fund item is generated based on the funding gap, and the first alarm information is sent to a docking with the abnormal fund item.
  • Preset department When it is detected that the funding gap is greater than a first preset value, first alarm information of the abnormal fund item is generated based on the funding gap, and the first alarm information is sent to a docking with the abnormal fund item.
  • the method further includes:
  • a second warning message is sent to a preset department that is docked with the abnormal fund item, and the expenditure amount is excessive.
  • the steps of the pre-set department of the abnormal fund project docking include:
  • a first alarm message of the abnormal fund item is generated based on the fund gap and the account reserve fund, and the first alert information is sent to the The preset department for the docking of abnormal fund projects is described.
  • the method for monitoring funds further includes:
  • the product recommendation reminder is sent to a preset approval mailbox for approval by the reviewer.
  • the funding gap is greater than a first preset value
  • generating first warning information of the abnormal fund item based on the funding gap and sending the first warning information to the After the steps of the preset department of the abnormal fund project docking, it also includes:
  • the request for the capital transaction is rejected.
  • the method for monitoring funds further includes:
  • a reserve risk early warning information and a reserve supplement request are sent to a preset approval mailbox.
  • the method for monitoring funds further includes:
  • the abnormal fund item occupies transaction funds of other fund items, obtaining a first occupation time and a first occupation amount of the transaction funds by the abnormal fund item;
  • This application also provides a fund monitoring system, which includes:
  • An acquisition module for acquiring the actual collection of income and expenditures of a preset corporate account in a preset bank
  • a comparison module configured to compare the actual revenue and expenditure with the planned revenue and expenditure of the corresponding capital project in the preset funding plan; if the comparison is inconsistent, set the actual revenue and expenditure as an abnormal amount, and set the The fund items to which the abnormal funds belong are set as abnormal fund items;
  • a statistics module configured to count the funding gap in the abnormal fund project
  • a sending module configured to generate first alarm information of the abnormal fund item based on the funding gap when it is detected that the funding gap is greater than a first preset value, and send the first alert information to the Default department for docking of abnormal fund projects.
  • the present application further provides a fund monitoring terminal, where the fund monitoring terminal includes: a memory, a processor, a communication bus, and computer-readable instructions stored on the memory, where the computer-readable When the instructions are executed by the processor, the steps of the method for monitoring funds are implemented as described above.
  • the present application also provides a computer-readable storage medium, where the computer-readable storage medium stores computer-readable instructions, and when the computer-readable instructions are executed by a processor, the implementation of Steps of the fund monitoring method.
  • the actual collection of income and expenditure funds of the preset corporate account in the preset bank is obtained.
  • the planned income and expenditure of the corresponding capital items in the capital plan are compared. If the comparison is not consistent, the actual income and expenditure is set as an abnormal amount, and the capital item to which the abnormal amount belongs is set as an abnormal fund item.
  • a funding gap in an abnormal funding item when the funding gap is detected to be greater than a first preset value, first alert information for the abnormal funding item is generated based on the funding gap, and the first alert information is sent to The preset department docked with the abnormal fund project.
  • This application uses the bank-enterprise direct connection method to electronically monitor the preset fund plan of the enterprise in electronic form, and judges whether the accurate receipts and payments are made according to the steps in the fund plan by mobilizing the funds of each fund item, and Alert the corresponding responsible department when there is a data error in the fund transfer data, solve the technical problem of the inefficient monitoring of the enterprise caused by the manual monitoring of the fund plan, maximize the guarantee of the timely return of funds and revenue expenditure, and realize the real-time funding plan Monitoring, improving the efficiency of financial monitoring.
  • FIG. 1 is a schematic flowchart of a first embodiment of a method for monitoring funds of this application
  • FIG. 2 is a schematic flowchart of a second embodiment of a method for monitoring funds of this application
  • FIG. 3 is a functional module diagram of the fund monitoring system of the present application.
  • FIG. 4 is a schematic diagram of a device structure of a hardware operating environment involved in the method according to the embodiment of the present application.
  • the method for monitoring funds includes:
  • Step S10 Obtain a collection of actual income and expenditures of a preset corporate account in a preset bank
  • the enterprise may open a preset corporate account in a preset bank to achieve the operational flow records of various capital projects.
  • the enterprise and the preset bank have achieved direct bank-enterprise connection, so the enterprise can obtain various funds data of the preset corporate account in the bank, so as to monitor the dispatch of corporate funds, that is, when the enterprise operates various capital projects, it will Query the schedule of various income and expenditure through preset corporate accounts.
  • the actual collection of income and expenditure funds refers to a data set of all the funds flowing into the company directly connected to the preset bank, and the enterprise can read the actual collection of income and expenditure funds from the preset corporate account and perform payment analysis.
  • step S20 the actual income and expenditure amount is compared with the planned income and expenditure amount of the corresponding capital item in the preset fund plan. If the comparison is not consistent, the actual income and expenditure amount is set as an abnormal amount, and the abnormal amount is set.
  • the subordinate capital project is set as the abnormal capital project;
  • the actual income and expenditure collection includes various actual income and expenditure collection, and the actual income and expenditure collection refers to data records of various assets and liabilities of the enterprise in the preset enterprise account in the actual income and expenditure collection.
  • the actual income and expenditure amount can be: "Use of funds: Fund item A, the actual expenditure item on January 5 is 30,000, the actual repayment amount on January 15 is 50,000, and all remaining receivables in the project are 2 10,000, the remaining available funds in the current fund project A is 70,000 "and so on.
  • the enterprise sets a preset capital plan, which includes various capital projects executed by the enterprise, and specifies various planned income and expenditures of the capital project at different stages.
  • the planned income and expenditure of the designated capital project A in the preset capital plan is: "The planned expenditure on January 5 is 30,000, and the planned return on January 15 is 60,000. All remaining receivables in the project The item is 30,000, and the remaining available capital item in current fund item A is 60,000 "and so on.
  • the system will sort out the actual income and expenditures with "use of funds" as "funded item A" from the actual collection of income and expenditures, and after obtaining the actual income and expenditures of funded item A and the planned income and expenditures of said funded items , You can compare the two.
  • the system has obtained the actual income and expenditure of the capital project A and the planned revenue and expenditure. By comparing the data of the two, it can be obtained that the capital project A is on January 15th.
  • the actual repayment was 10,000 less than the planned repayment, resulting in an increase of 10,000 in the current remaining receivables and a decrease of 10,000 in the current remaining available funds.
  • the comparison results of actual income and expenditures and planned income and expenditures are inconsistent, and if an abnormal phenomenon occurs that the funds are not synchronized, it proves that the current capital project A does not follow the preset capital plan during the operation.
  • the execution of the preset steps results in the occurrence of an abnormal amount, and the system extracts and locates the inconsistent actual income and expenditure amount.
  • the system will determine the fund item described in the abnormal amount as an abnormal fund item. For example, in the capital item A in the above example, the planned return funds are not consistent with the actual return funds, the planned remaining collection funds are not consistent with the actual remaining collection funds, and the planned remaining available funds and the actual remaining available funds are also inconsistent. It is an abnormal fund, and the corresponding fund item A is an abnormal fund item.
  • Step S30 Count the funding gap in the abnormal funding project
  • the abnormal fund may cause a chain reaction of absent funds, that is, the funding gap in the abnormal fund project due to the abnormal fund.
  • fund projects can be divided into multi-phase funds scheduling, such as the remaining 100,000 available funds in the project after the first phase of scheduling, and the second phase of scheduling needs to be applied to the 100,000 available funds for other investments.
  • the abnormal fund project there may be only 80,000 available funds after the first phase of scheduling, and the second phase of scheduling requires 100,000, which will cause a funding gap of 20,000, which will cause the abnormal fund projects to fail to perform the second phase of scheduling and trigger subsequent operations.
  • the policy did not execute properly.
  • the amount of funding gap is related to the implementation progress of abnormal fund projects. Therefore, it is necessary to calculate the funding gap in abnormal fund projects.
  • the statistical method is to calculate the remaining funds available for the current project and the current planned funds to obtain the current funds of the project. gap.
  • step S40 when it is detected that the funding gap is greater than a first preset value, a first warning message of the abnormal fund item is generated based on the funding gap, and the first warning information is sent to the abnormal fund.
  • the preset department for project docking is used to determine whether the funding gap is greater than a first preset value.
  • This embodiment sets a first preset value.
  • the fund gap is detected to be greater than the first preset value, it indicates that the current fund gap of the abnormal fund project exceeds the warning line, which will make other subsequent planning steps of the abnormal fund project impossible.
  • the system will generate the first alarm information of the abnormal fund item according to the funding gap, and the first alarm information will be sent to the preset department docked with the abnormal fund to inform the preset department to adjust as soon as possible.
  • the step S40 includes:
  • Step S41 when it is detected that the funding gap is greater than a first preset value, obtain the balance funds and planned income amounts corresponding to the preset corporate account, and calculate an account reserve based on the balance funds and planned income amounts;
  • the system will obtain the balance funds and planned income amounts in the preset corporate account.
  • the preset corporate account includes multiple fund items, and different fund items will have certain idle funds as the balance funds of the account for temporary call.
  • there may be some funds in the account and some of the planned income in the income and expenditures were not recovered in a timely manner.
  • the balance funds and receivables are used as the unused funds in the preset corporate account, which can provide mobile call funds for abnormal capital projects, that is, the balance funds and receivables can be counted as account reserve funds for temporary use. transfer.
  • Step S42 When it is detected that the account reserve is smaller than the fund gap, generate first alert information of the abnormal fund item based on the fund gap and the account reserve, and send the first alert information To the preset department docked with the abnormal fund project.
  • the system will generate the first alarm information of the abnormal fund item according to the fund gap and the account reserve, and will send the first alarm information to the preset department to report the actual situation of the abnormal fund item as reference information.
  • the actual collection of income and expenditure funds of the preset corporate account in the preset bank is obtained.
  • the planned income and expenditure of the corresponding capital items in the capital plan are compared. If the comparison is not consistent, the actual income and expenditure is set as an abnormal amount, and the capital item to which the abnormal amount belongs is set as an abnormal fund item.
  • a funding gap in an abnormal funding item when the funding gap is detected to be greater than a first preset value, first alert information for the abnormal funding item is generated based on the funding gap, and the first alert information is sent to The preset department docked with the abnormal fund project.
  • This application uses the bank-enterprise direct connection method to electronically monitor the preset fund plan of the enterprise in electronic form, and judges whether the accurate receipts and payments are made according to the steps in the fund plan by mobilizing the funds of each fund item, and Alert the corresponding responsible department when there is a data error in the fund transfer data, solve the technical problem of the inefficient monitoring of the enterprise caused by the manual monitoring of the fund plan, maximize the guarantee of the timely return of funds and revenue expenditure, and realize the real-time funding plan Monitoring, improving the efficiency of financial monitoring.
  • a second embodiment of the fund monitoring method of the present application is proposed, which is different from the foregoing embodiment in that the sending of the first alarm information to the After the steps of the preset department of the abnormal fund project docking, it also includes:
  • Step S50 When it is detected that the ratio of the planned expenditure amount to the actual expenditure amount of the abnormal fund item is greater than the first percentage, a second alert message is sent to a preset department that is docked with the abnormal fund item to exceed the expenditure amount. .
  • the funding gap in abnormal capital projects is usually because the actual expenditure amount is larger than the planned expenditure amount in the preset funding plan.
  • this situation is predictable, such as the occurrence of procedures fees, deposit fees and other plans.
  • the amount of expenditure outside this plan is smaller than the actual amount of expenditure, which is within the controllable range.
  • it is out of control that is, the scale of the actual expenditure amount in the abnormal fund project is very large, far exceeding the planned expenditure amount, which is a very special case.
  • this embodiment sets a first percentage early warning threshold. If the ratio of the planned expenditure amount to the actual expenditure amount in the abnormal fund item is less than the first percentage, it means that the expenditure amount is seriously excessive. For example, assuming that the first percentage is 97%, the actual expenditure amount is 1 million, and the planned expenditure amount is 900,000, it can be concluded that the ratio of the planned expenditure amount to the actual expenditure amount reaches 90%. And 90% is less than 97% of the first percentage, which also proves that in the process of capital scheduling, there is a serious problem of capital flow, causing a large loss of funds.
  • the fund monitoring method further includes:
  • Step S60 when it is detected that the account reserve is greater than a second preset value, set a second percentage of the account reserve as a vacant fund;
  • the second preset value is set as the reference value of the account reserve.
  • the account reserve is greater than the second preset value, it proves that the current account reserve is large, and the account reserve will become the standing fund. It is vacant.
  • the system will effectively use the fund of the account reserve fund and extract the second percentage of the fund as vacant fund.
  • the account reserve other than the second percentage will be used as a mobile fund to supplement the funding gap.
  • Step S70 Obtain a corresponding short-term financial product from a preset database according to the fund size of the vacant fund, and generate a product recommendation prompt based on the vacant fund and the short-term financial product;
  • the system After obtaining vacant funds, the system will use vacant funds as financial management funds.
  • the size of the vacant funds will affect the use strategy of the system, that is, the system will obtain the corresponding short-term financial products from a preset database according to the vacant funds' scale, and generate product recommendations based on the vacant funds and short-term financial products. prompt. For example, if the system detects that the size of the vacant funds is only 50,000, it will only obtain the reverse repurchase of short-term financial product treasury bonds from the preset database, and only select the reverse repurchase of three-day treasury bonds. If the capital scale reaches 200,000, the system can obtain 7-day P2P wealth management products.
  • the recommended range may also be limited by setting the type of short-term financial management product in advance, such as limiting only the money funds with whom they deposit. After determining short-term financial products, the system will generate product recommendation tips based on vacant funds.
  • step S80 the product recommendation prompt is sent to a preset approval mailbox for approval by the reviewer.
  • the system will send product recommendation tips to the preset approval mailbox, and the reviewer will evaluate and approve according to the actual situation of the short-term financial products in the product recommendation tips to determine whether to invest the vacant funds, so as to effectively use the vacant funds to avoid standing guards. Greatly improve the efficiency of the use of funds.
  • a fourth embodiment of the fund monitoring method of the present application is proposed, which is different from the foregoing embodiment in that when the fund gap is detected to be greater than the first preset When the value is, generating the first alarm information of the abnormal fund item based on the funding gap, and sending the first alarm information to a preset department that interfaces with the abnormal fund item further includes:
  • Step S90 when a fund transaction request based on the account reserve is detected, obtaining a single transaction amount in the fund transaction request;
  • the difference between this embodiment and the technical solution of sending the second alarm information in the first embodiment is that the alarm information in the first embodiment is inferred based on the transaction data in a preset bank, while in this embodiment, Tiger Head Cliff Fund trading requests for account reserves are monitored during real-time operations. If the system detects an account reserve fund-based fund transaction request, it indicates that there is currently a fund dispatch operation for the account reserve fund. In order to ensure the safety of the account reserve fund and avoid being mistakenly traded or causing unreasonable occupation of funds, this embodiment Determine the single transaction amount from the fund transaction request.
  • the single transaction amount refers to a transaction amount when a fund transaction request is initiated, for example, a fund item A in the system needs to call 100,000, and the 100,000 is a single transaction amount.
  • step S100 when it is detected that the amount of the single transaction is greater than the preset single transaction amount, the request for the capital transaction is rejected.
  • the system After obtaining the single transaction amount, the system will compare the single transaction amount with the preset single transaction amount.
  • the preset single transaction amount refers to a reference value of the single transaction amount, and the preset single transaction amount can be used as a threshold value for preventing systemic risk of the transaction.
  • a single transaction may be too large. For example, the account reserve amounted to 250,000, and the single transaction amount in the fund transaction request reached 200,000 at one time. This took up a relatively large amount of account reserve Big part. Therefore, in order to avoid misoperation, this embodiment sets a preset single transaction amount as the funding limit for a single transaction. If the single transaction amount is greater than the preset single transaction amount, the fund transaction request described in this time is rejected.
  • the fund monitoring method further includes:
  • a reserve risk early warning information and a reserve supplement request are sent to a preset approval mailbox.
  • the account reserve fund needs to ensure that all fund items in the entire preset corporate account can be called at any time to reduce the risk of funds. Therefore, the fund amount of the account reserve must be guaranteed to be available at any time.
  • the system sets a third preset value.
  • the third preset value is a minimum threshold value of the account reserve amount. Only when the account reserve is greater than the early warning line, can it exert its risk prevention effect. Assuming that the account reserve is only a few hundred yuan, it is completely unable to play a role in preventing risks. Therefore, when it is detected that the account reserve is less than the third preset value, it means that the current account reserve of the preset corporate account is too small, there is a certain risk of liquidity of funds, and fund replenishment is required.
  • the fund transfer needs to be manually approved, so the system will send reserve risk early warning information and reserve replenishment requests to the preset approval mailbox.
  • the reserve risk early warning information is a warning reminder of the account reserve balance, and the reserve replenishment request is to submit fund replenishment to the reviewer to avoid the risk of shortage of account reserve.
  • the fund monitoring method further includes:
  • Step a when it is detected that the abnormal fund item occupies transaction funds of other fund items, obtain a first occupation time and a first occupation amount of the transaction funds by the abnormal fund item;
  • the reason that the abnormal fund item may be abnormal is that the transaction funds of other fund items are occupied.
  • the use of funds of other funds may cause abnormal funds in other projects.
  • the system In order to determine the extent of the impact of abnormal funds on the transaction funds of other funds, the system will obtain the first occupation time of the funds for the transaction funds. And the first occupancy amount.
  • the first occupancy time refers to the length of time that the abnormal capital project occupies the transaction funds.
  • the first occupancy amount refers to the amount of occupancy of the transaction funds by the abnormal funds.
  • Step b determining an original capital item of the transaction funds in a preset capital plan, and obtaining a second occupation time and a second occupation amount of the transaction funds by the original capital items;
  • the transaction funds are called by the original fund project in the preset fund plan, and now are called by the abnormal fund project, then the system needs to obtain the second occupation time and the second occupation amount of the transaction fund by the original fund project.
  • the second occupancy time refers to the length of time that the original capital project occupies the transaction funds
  • the second occupancy amount refers to how much the original capital project occupies the transaction funds. It should be noted that the transaction amount may not be equal to the second occupied amount.
  • capital project A occupies transaction funds of capital project B
  • capital project A occupies 800,000 funds for 4 days
  • all 800,000 funds are in capital project B.
  • Funding Project B originally planned to use 400,000 of the 800,000 within 6 days.
  • the first occupation time is 4 days
  • the first occupation amount is 400,000
  • the second occupation time is 6 days
  • the second occupation amount is 800,000.
  • Step c calculating a time occupation ratio based on the first occupation time and the second occupation time, and calculating an amount occupation ratio based on the first occupation amount and the second occupation amount;
  • Step d Perform an average calculation on the time occupancy ratio and the amount occupancy ratio to obtain the occupancy impact value
  • the system After obtaining the time occupancy ratio and the amount occupancy ratio, the system will calculate the average of the two. Because the two are reflected from the time dimension and the amount of influence, respectively, the fusion calculation of the two can comprehensively reflect the combined impact of time and amount.
  • the average calculation method is used to calculate the time occupancy ratio and the amount occupancy ratio to obtain the value of the impact of the current abnormal fund project on the occupation of the original fund project under the conditions of the occupied fund and occupied time. For example, the time occupancy ratio is 67%, the amount occupancy ratio is 50%, and the average calculation value is
  • the current occupation impact value is 58.2%.
  • step e when it is detected that the occupation impact value is greater than a fourth preset value, a third alarm message that the fund occupation is unreasonable is sent to the preset department.
  • a fourth preset value is set, and the fourth preset value is a minimum threshold value of the occupation influence value. If the occupation impact value exceeds the fourth preset value, it means that the current capital occupation of the original capital project by the abnormal capital project will seriously affect the normal operation of the original capital project. For example, the fourth preset value is 25%, and the occupancy impact value calculated by the above example reaches 58.2%, which exceeds the fourth preset value.
  • the abnormal fund project has greatly affected the normal operation of the original fund project.
  • the system will generate a third alarm message, which includes the current capital occupancy status of the abnormal capital project and the original capital project, the occupancy impact value, and the prompt information that the current project occupancy is unreasonable.
  • the system will send a third alarm message to the preset department. As the docking department, the preset department can perform emergency processing based on the third alarm information, such as changing the original preset fund plan or solving the current abnormal fund project funds through other solutions. Abnormal occupancy. .
  • the fund monitoring system includes:
  • An acquisition module for acquiring the actual collection of income and expenditures of a preset corporate account in a preset bank
  • a comparison module configured to compare the actual revenue and expenditure with the planned revenue and expenditure of the corresponding capital project in the preset funding plan; if the comparison is inconsistent, set the actual revenue and expenditure as an abnormal amount, and set the The fund items to which the abnormal funds belong are set as abnormal fund items;
  • a statistics module configured to count the funding gap in the abnormal fund project
  • a sending module configured to generate first alarm information of the abnormal fund item based on the funding gap when it is detected that the funding gap is greater than a first preset value, and send the first alert information to the Default department for docking of abnormal fund projects.
  • FIG. 4 is a schematic diagram of a device structure of a hardware operating environment involved in the method according to the embodiment of the present application.
  • the terminal may be a PC, or may be a smart phone, a tablet computer, an e-book reader, or MP3 (Moving Picture). Experts Group Audio Layer III, standard audio layer 3) player, MP4 (Moving Picture Experts Group Audio Layer IV, compression standard audio layer for motion picture experts 4) Terminal equipment such as players, portable computers.
  • MP3 Moving Picture
  • Experts Group Audio Layer III standard audio layer 3
  • MP4 Moving Picture Experts Group Audio Layer IV, compression standard audio layer for motion picture experts 4
  • Terminal equipment such as players, portable computers.
  • the fund monitoring terminal may include: a processor 1001, such as a CPU, a memory 1005, and a communication bus 1002.
  • the communication bus 1002 is used to implement connection and communication between the processor 1001 and the memory 1005.
  • the memory 1005 may be a high-speed RAM memory or a non-volatile memory. memory), such as disk storage.
  • the memory 1005 may optionally be a storage device independent of the foregoing processor 1001.
  • the fund monitoring terminal may further include a user interface, a network interface, a camera, an RF (Radio Frequency) circuits, sensors, audio circuits, WiFi modules, etc.
  • the user interface may include a display, an input unit such as a keyboard, and the optional user interface may also include a standard wired interface and a wireless interface.
  • the network interface can optionally include a standard wired interface and a wireless interface (such as a WI-FI interface).
  • the structure of the fund monitoring terminal shown in FIG. 4 does not constitute a limitation on the fund monitoring terminal, and may include more or fewer components than shown in the figure, or combine some components, or different components. Layout.
  • the memory 1005 as a computer storage medium may include an operating system, a network communication module, and computer-readable instructions.
  • the operating system is readable instructions for managing and controlling the hardware and software resources of the fund monitoring terminal, and supports the operation of computer-readable instructions and other software and / or readable instructions.
  • the network communication module is used to implement communication between components in the memory 1005 and to communicate with other hardware and software in the fund monitoring terminal.
  • the processor 1001 is configured to execute computer-readable instructions stored in the memory 1005 to implement the steps of each embodiment of the above-mentioned fund monitoring method.
  • the present application also provides a computer-readable storage medium, and the computer-readable storage medium may be a non-volatile readable storage medium.
  • the computer-readable storage medium stores one or more readable instructions, and the one or more readable instructions may also be executed by one or more processors to implement the steps of the above embodiments of the method for monitoring funds.
  • the methods in the above embodiments can be implemented by means of software plus a necessary universal hardware platform, and of course, also by hardware, but in many cases the former is better.
  • Implementation Based on such an understanding, the technical solution of this application that is essentially or contributes to the existing technology can be embodied in the form of a software product, which is stored in a storage medium (such as ROM / RAM, magnetic disk, The optical disc) includes several instructions for causing a terminal device (which may be a mobile phone, a computer, a server, an air conditioner, or a network device, etc.) to execute the methods described in the embodiments of the present application.
  • a terminal device which may be a mobile phone, a computer, a server, an air conditioner, or a network device, etc.

Landscapes

  • Engineering & Computer Science (AREA)
  • Business, Economics & Management (AREA)
  • Strategic Management (AREA)
  • Economics (AREA)
  • General Physics & Mathematics (AREA)
  • Physics & Mathematics (AREA)
  • Theoretical Computer Science (AREA)
  • Human Resources & Organizations (AREA)
  • Development Economics (AREA)
  • Marketing (AREA)
  • General Business, Economics & Management (AREA)
  • Entrepreneurship & Innovation (AREA)
  • Tourism & Hospitality (AREA)
  • Quality & Reliability (AREA)
  • Operations Research (AREA)
  • Educational Administration (AREA)
  • Game Theory and Decision Science (AREA)
  • Accounting & Taxation (AREA)
  • Finance (AREA)
  • Technology Law (AREA)
  • Financial Or Insurance-Related Operations Such As Payment And Settlement (AREA)

Abstract

本申请公开了一种资金监控方法、资金监控系统、资金监控终端及计算机可读存储介质，所述资金监控方法包括：获取预设银行中预设企业账户的实际收支款项集合；针对所述实际收支款项集合的每一项实际收支款项，执行如下步骤：将实际收支款项与预设资金计划中对应的资金项目的计划收支款项进行对比，若对比不一致，则将所述实际收支款项设为异常款项，将异常款项所属的资金项目设为异常资金项目；统计所述异常资金项目中的资金缺口；当检测到所述资金缺口大于第一预设值时，基于所述资金缺口生成所述异常资金项目的第一告警信息，并将所述第一告警信息发送至与所述异常资金项目对接的预设部门。本申请实现对资金计划的实时监控，提升了财务监控效率。

Description

资金监控方法、资金监控系统、终端及可读存储介质
本申请要求于2018年6月26日提交中国专利局、申请号为201810675578.5、发明名称为“资金监控方法、资金监控系统、资金监控终端及计算机可读存储介质”的中国专利申请的优先权，其全部内容通过引用结合在申请中。
技术领域
本申请涉及资金监控技术领域，尤其涉及一种资金监控方法、资金监控系统、资金监控终端及计算机可读存储介质。
背景技术
资金计划指的是企业对资金的统筹管理，即如何合理安排和运用资金，在确保公司资金安全的前提下，实现资金效益的最大化。通常地，企业会在制定好一周、一月或一年度的资金计划之后，会人工监督资金计划的使用进度。资金监控涉及到企业在投资、融资和商业交易，在企业运营过程中占据着重要的地位。
但是在大多数情况下，资金计划是通过人工制定审核的，企业无法对资金计划进行完全系统的监控，而是要通过各部门上报财务资金情况来分析获取。同时，资金计划是否按照正常进度执行，也需要人工计算审核，使得企业无法实时监控实际的资金收支情况，导致对资金计划的监控滞后，造成监控效率低下。
发明内容
本申请的主要目的在于提供一种资金监控方法、资金监控系统、资金监控终端及计算机可读存储介质，旨在解决人工监控资金计划导致企业监控效率低下的技术问题。
为实现上述目的，本申请实施例提供一种资金监控方法，所述资金监控方法包括：
获取预设银行中预设企业账户的实际收支款项集合；
针对所述实际收支款项集合的每一项实际收支款项，执行如下步骤：
将所述实际收支款项与预设资金计划中对应的资金项目的计划收支款项进行对比，若对比不一致，则将所述实际收支款项设为异常款项，将所述异常款项所属的资金项目设为异常资金项目；
统计所述异常资金项目中的资金缺口；
当检测到所述资金缺口大于第一预设值时，基于所述资金缺口生成所述异常资金项目的第一告警信息，并将所述第一告警信息发送至与所述异常资金项目对接的预设部门。
优选地，所述将所述第一告警信息发送至与所述异常资金项目对接的预设部门的步骤之后还包括：
当检测到所述异常资金项目的计划支出金额与实际支出金额的比值大于第一百分比时，向与所述异常资金项目对接的预设部门发出支出金额超额的第二告警信息。
优选地，所述当检测到所述资金缺口大于第一预设值时，基于所述资金缺口生成所述异常资金项目的第一告警信息，并将所述第一告警信息发送至与所述异常资金项目对接的预设部门的步骤包括：
当检测到所述资金缺口大于第一预设值时，获取所述预设企业账户对应的余额资金和计划收入金额，并根据所述余额资金和计划收入金额计算账户备用金；
当检测到所述账户备用金小于所述资金缺口时，基于所述资金缺口和所述账户备用金生成所述异常资金项目的第一告警信息，并将所述第一告警信息发送至与所述异常资金项目对接的预设部门。
优选地，所述资金监控方法还包括：
当检测到所述账户备用金大于第二预设值时，将第二百分比的账户备用金设为空置资金；
根据所述空置资金的资金规模从预设数据库中获取对应的短期理财产品，并基于所述空置资金和所述短期理财产品生成产品推荐提示；
将所述产品推荐提示发送至预设审批邮箱，以供审核人员审批。
优选地，所述当检测到所述资金缺口大于第一预设值时，基于所述资金缺口生成所述异常资金项目的第一告警信息，并将所述第一告警信息发送至与所述异常资金项目对接的预设部门的步骤之后还包括：
当检测到基于所述账户备用金的资金交易请求时，获取资金交易请求中的单次交易金额；
当检测到所述单次交易金额大于预设单次交易额度时，拒绝本次资金交易请求。
优选地，所述资金监控方法还包括:
当检测到所述账户备用金小于第三预设值时，向预设审批邮箱发送备用金风险预警信息和备用金补充请求。
优选地，所述资金监控方法还包括：
当检测到所述异常资金项目占用其他资金项目的交易资金时，获取所述异常资金项目对交易资金的第一占用时间和第一占用金额；
确定所述交易资金在预设资金计划中的原资金项目，并获取原资金项目对所述交易资金的第二占用时间和第二占用金额；
根据所述第一占用时间和所述第二占用时间计算时间占用比值，并根据所述第一占用金额和所述第二占用金额计算金额占用比值；
对所述时间占用比值和所述金额占用比值进行均值计算，以获得占用影响数值；
当检测到所述占用影响数值大于第四预设值时，向所述预设部门发送资金占用不合理的第三告警信息。
本申请还提供一种资金监控系统，所述资金监控系统包括：
获取模块，用于获取预设银行中预设企业账户的实际收支款项集合；
对比模块，用于将所述实际收支款项与预设资金计划中对应的资金项目的计划收支款项进行对比，若对比不一致，则将所述实际收支款项设为异常款项，将所述异常款项所属的资金项目设为异常资金项目；
统计模块，用于统计所述异常资金项目中的资金缺口；
发送模块，用于当检测到所述资金缺口大于第一预设值时，基于所述资金缺口生成所述异常资金项目的第一告警信息，并将所述第一告警信息发送至与所述异常资金项目对接的预设部门。
此外，为实现上述目的，本申请还提供一种资金监控终端，所述资金监控终端包括：存储器、处理器、通信总线以及存储在所述存储器上的计算机可读指令，其中所述计算机可读指令被所述处理器执行时，实现如上述的资金监控方法的步骤。
此外，为实现上述目的，本申请还提供一种计算机可读存储介质，所述计算机可读存储介质存储有计算机可读指令，其中所述计算机可读指令被处理器执行时，实现如上述的资金监控方法的步骤。
本申请通过获取预设银行中预设企业账户的实际收支款项集合；针对所述实际收支款项集合的每一项实际收支款项，执行如下步骤：将所述实际收支款项与预设资金计划中对应的资金项目的计划收支款项进行对比，若对比不一致，则将所述实际收支款项设为异常款项，将所述异常款项所属的资金项目设为异常资金项目；统计所述异常资金项目中的资金缺口；当检测到所述资金缺口大于第一预设值时，基于所述资金缺口生成所述异常资金项目的第一告警信息，并将所述第一告警信息发送至与所述异常资金项目对接的预设部门。本申请通过银企直连的方式对企业的预设资金计划以电子化的形式进行财务监控，通过对各资金项目的资金调动来判断是否按照资金计划中的步骤进行准确的收支款项，并在资金调动数据出现数据差错时向对应的负责部门进行警戒通知，解决了人工监控资金计划导致企业监控效率低下的技术问题，最大化保障资金的及时回笼和营收支出，实现对资金计划的实时监控，提升了财务监控效率。
附图说明
图1为本申请资金监控方法第一实施例的流程示意图；
图2为本申请资金监控方法第二实施例的流程示意图；
图3为本申请资金监控系统的功能模块示意图；
图4为本申请实施例方法涉及的硬件运行环境的设备结构示意图。
本申请目的的实现、功能特点及优点将结合实施例，参照附图做进一步说明。
具体实施方式
应当理解，此处所描述的具体实施例仅仅用以解释本申请，并不用于限定本申请。
本申请提供一种资金监控方法，在资金监控方法第一实施例中，参照图1，所述资金监控方法包括：
步骤S10，获取预设银行中预设企业账户的实际收支款项集合；
在本实施例中，企业可在预设银行中开通预设企业账户，以实现各种资金项目的运营流水记录。企业与预设银行实现了银企直联，因此企业可调取银行中预设企业账户的各种资金数据，从而对企业资金的调度进行监控，即企业在运营各种资金项目的时候，会通过预设企业账户查询各种收支款项的调度情况。所述实际收支款项集合是指预设银行中直联的该企业所有资金流水款项的数据集，企业可从预设企业账户中读取到实际收支款项集合，并进行款项分析。
针对所述实际收支款项集合的每一项实际收支款项，执行如下步骤：
步骤S20，将所述实际收支款项与预设资金计划中对应的资金项目的计划收支款项进行对比，若对比不一致，则将所述实际收支款项设为异常款项，将所述异常款项所属的资金项目设为异常资金项目；
实际收支款项集合中包括各种实际收支款项，所述实际收支款项指的是实际收支款项集合中企业在预设企业账户中的各种资产负债情况的数据记录。例如实际收支款项可为：“款项用途：资金项目A，1月5号实际支出项为3万，1月15号实际回款项为5万，所述项目中所有剩余应收款项为2万，当前资金项目A中剩余可用资金项为7万”等等。
本实施例中，企业设置了预设资金计划，所述预设资金计划中包括企业所执行的各种资金项目，并指定了资金项目在不同阶段的各种计划收支款项。例如预设资金计划中指定了资金项目A的计划收支款项为：“1月5号计划支出项为3万，1月15号计划回款项为6万，所述项目中所有剩余应收款项为3万，当前资金项目A中剩余可用资金项为6万”等等。系统将从实际收支款项集合中整理出“款项用途”为“资金项目A”的实际收支款项，并在获取到资金项目A的实际收支款项以及所述资金项目的计划收支款项后，可对二者进行比对。例如由上所述的资金项目A，系统已获取到资金项目A的实际收支款项和计划收支款项，通过将二者的数据进行比对可得出，资金项目A在1月15号的实际回款项比计划回款项少了1万，造成当前剩余应收款项增加了1万，当前剩余可用资金项减少了1万。
也就是说，实际收支款项和计划收支款项的对比结果不一致，而若是二者出现了资金调度情况不同步的异常现象发生，证明当前资金项目A在运营过程中没有按照预设资金计划中的预设步骤执行，导致出现异常款项发生，而系统将定位提取到所述不一致的实际收支款项。系统将把所述异常款项所述的资金项目确定为异常资金项目。比如，上述例子中的资金项目A中，计划回款资金跟实际回款资金不一致，计划剩余收款资金跟实际剩余收款资金不一致，计划剩余可用资金和实际剩余可用资金也不一致，三者皆为异常款项，对应的资金项目A即为异常资金项目。
步骤S30，统计所述异常资金项目中的资金缺口；
由于在异常资金项目中，异常款项可能会引发资金缺席的连锁反应，即异常资金项目中由于异常款项而出现资金缺口。通常地，资金项目中可分为多期资金调度，如一期调度后项目中剩余10万可用资金，而二期调度需要应用到所述10万可用资金进行其他投资。但是异常资金项目中，可能一期调度后仅剩余8万可用资金，而二期调度需要10万，这将会造成2万的资金缺口，导致异常资金项目无法正常进行二期调度，引发后续运营策略无法正常执行。而资金缺口的多少关系到异常资金项目的执行进度，因此需要统计异常资金项目中的资金缺口，统计方法为将当前项目剩余可用资金和当前计划使用资金进行计算，以得到所述项目当前的资金缺口。
步骤S40，当检测到所述资金缺口大于第一预设值时，基于所述资金缺口生成所述异常资金项目的第一告警信息，并将所述第一告警信息发送至与所述异常资金项目对接的预设部门。
本实施例设置了第一预设值，当检测到资金缺口大于第一预设值时，说明当前异常资金项目的资金缺口超过了警戒线，将使得所述异常资金项目后续的其他计划步骤无法正常实施。此时，系统将根据资金缺口生成异常资金项目的第一告警信息，所述第一告警信息将发送至与异常资金对接的预设部门，以告知预设部门尽快进行调整。
具体地，参照图2，所述步骤S40包括：
步骤S41，当检测到所述资金缺口大于第一预设值时，获取所述预设企业账户对应的余额资金和计划收入金额，并根据所述余额资金和计划收入金额计算账户备用金；
若资金缺口大于第一预设值，系统将获取预设企业账户中的余额资金和计划收入金额。本实施例中，预设企业账户中包括了多个资金项目，而不同资金项目会有一定的闲置资金作为账户的余额资金，以作临时调用。同时，账户中可能存在一部分资金项目，其收支款项中存在部分计划收入金额未及时收回。而所述余额资金和应收金额作为预设企业账户中未被调用的资金，可为异常资金项目提供机动调用资金，也就是说余额资金和应收金额可统计为账户备用金，以供临时调用。
步骤S42，当检测到所述账户备用金小于所述资金缺口时，基于所述资金缺口和所述账户备用金生成所述异常资金项目的第一告警信息，并将所述第一告警信息发送至与所述异常资金项目对接的预设部门。
假设账户备用金依旧小于资金缺口，则资金缺口无法根据预设企业账户中进行自行调控，需要企业人员进行人工调控。系统将根据资金缺口和账户备用金生成异常资金项目的第一告警信息，并将把第一告警信息发送至预设部门，以将异常资金项目的实际情况上报作为参考信息。
本申请通过获取预设银行中预设企业账户的实际收支款项集合；针对所述实际收支款项集合的每一项实际收支款项，执行如下步骤：将所述实际收支款项与预设资金计划中对应的资金项目的计划收支款项进行对比，若对比不一致，则将所述实际收支款项设为异常款项，将所述异常款项所属的资金项目设为异常资金项目；统计所述异常资金项目中的资金缺口；当检测到所述资金缺口大于第一预设值时，基于所述资金缺口生成所述异常资金项目的第一告警信息，并将所述第一告警信息发送至与所述异常资金项目对接的预设部门。本申请通过银企直连的方式对企业的预设资金计划以电子化的形式进行财务监控，通过对各资金项目的资金调动来判断是否按照资金计划中的步骤进行准确的收支款项，并在资金调动数据出现数据差错时向对应的负责部门进行警戒通知，解决了人工监控资金计划导致企业监控效率低下的技术问题，最大化保障资金的及时回笼和营收支出，实现对资金计划的实时监控，提升了财务监控效率。
进一步地，在本申请资金监控方法第一实施例的基础上，提出本申请资金监控方法第二实施例，与前述实施例的区别在于，所述将所述第一告警信息发送至与所述异常资金项目对接的预设部门的步骤之后还包括：
步骤S50，当检测到所述异常资金项目的计划支出金额与实际支出金额的比值大于第一百分比时，向与所述异常资金项目对接的预设部门发出支出金额超额的第二告警信息。
在现实生活中，异常资金项目中出现资金缺口通常是因为实际支出金额较大，超过预设资金计划中的计划支出金额，通常这种情况是可预料的，例如出现手续费用，押金费用等计划之外的支出金额。而实际上这种计划之外的支出金额相较于实际支出金额较小，属于可控范围。但是可能存在一种情况，属于不可控范围，即异常资金项目中的实际支出金额的规模非常大，远远超出了计划支出金额，属于非常特殊的情况。
为加强对以上现象的监督，本实施例设定了第一百分比的预警门限值。若异常资金项目中的计划支出金额与实际支出金额的比值小于第一百分比，则说明支出金额严重超额。例如，假设第一百分比为97%，实际支出金额为100万，而计划支出金额为90万，可以得出，计划支出金额与实际支出金额的比值达到了90%。而90%小于第一百分比97%，这也就证明了在资金调度过程当中，存在了严重的资金流动问题，造成了较大了资金损失。而这种损失是违背预设资金计划的，可能是计划制定的问题，也可能是资金私人挪用操作的问题。因此，在得到计划支出金额与实际支出金额的比值小于第一百分比时，系统应向与所述异常资金项目对接的预设部门发出第二告警信息，提示预设部门支出金额超额，以供预设部门进行调查分析。
进一步地，在本申请资金监控方法第二实施例的基础上，提出本申请资金监控方法第三实施例，与前述实施例的区别在于，所述资金监控方法还包括：
步骤S60，当检测到所述账户备用金大于第二预设值时，将第二百分比的账户备用金设为空置资金；
本实施例设置了第二预设值作为账户备用金的参考值，当检测到账户备用金大于第二预设值时，即证明当前的账户备用金数额较大，账户备用金将成为站岗资金被空置，为使账户备用金不空置，系统将有效利用账户备用金的资金，从中提取出占第二百分比的资金量作为空置资金。而除开第二百分比之外的账户备用金将作为机动资金而用于补充资金缺口。
步骤S70，根据所述空置资金的资金规模从预设数据库中获取对应的短期理财产品，并基于所述空置资金和所述短期理财产品生成产品推荐提示；
在得到空置资金之后，系统将使用空置资金作为理财资金。在本实施例中，空置资金的规模会影响到系统的使用策略，即系统将根据空置资金的资金规模从预设数据库中获取对应的短期理财产品，并基于空置资金和短期理财产品生成产品推荐提示。例如，若系统检测到空置资金的资金规模只有5万时，则只从预设数据库中得到短期理财产品国债逆回购，并只选择3天期的国债逆回购。若资金规模达到20万，则系统可获取到7天期的P2P理财产品。由于空置资金属于闲置资金，因此相对于账户备用金，空置资金的理财选取范围较广。资金规模越大，可供选取的理财产品的选择也越大。因此资金规模越大，可博取收益率越大的理财产品。本实施例中，也可通过预先设定短期理财产品的类型而限定推荐范围，如只限定随存谁取的货币基金。而确定短期理财产品之后，系统将根据空置基金生成产品推荐提示。
步骤S80，将所述产品推荐提示发送至预设审批邮箱，以供审核人员审批。
系统将把产品推荐提示发送至预设审批邮箱，由审核人员根据产品推荐提示中的短期理财产品的实际情况进行评估审批，以确定是否将空置资金进行投资，从而有效利用空置资金避免资金站岗，极大地提升资金的使用效率。
进一步地，在本申请资金监控方法第三实施例的基础上，提出本申请资金监控方法第四实施例，与前述实施例的区别在于，所述当检测到所述资金缺口大于第一预设值时，基于所述资金缺口生成所述异常资金项目的第一告警信息，并将所述第一告警信息发送至与所述异常资金项目对接的预设部门的步骤之后还包括：
步骤S90，当检测到基于所述账户备用金的资金交易请求时，获取资金交易请求中的单次交易金额；
本实施例与第一实施例中发送第二告警信息的技术方案的区别在于，第一实施例中的告警信息是基于预设银行中的交易数据进行推测的，而本实施例中虎头崖账户备用金的资金交易请求是实时操作过程中监控的。若系统检测到基于账户备用金的资金交易请求时，说明当前有对账户备用金的资金调度操作，为保障账户备用金的安全，避免被错误交易或者造成资金被不合理占用，本实施例将从资金交易请求中确定单次交易金额。所述单次交易金额指发起资金交易请求时的交易金额，例如系统中资金项目A需要调用10万，这所述10万为单次交易金额。
步骤S100，当检测到所述单次交易金额大于预设单次交易额度时，拒绝本次资金交易请求。
在得到单次交易金额之后，系统将把单次交易金额与预设单次交易金额进行比对。所述预设单次交易金额指的是单次交易金额的参考数值，预设单次交易金额可作为防范交易系统性风险的门限值。在现实场景中，可能出现单次交易额度过大的现象发生，如，账户备用金一共25万，而资金交易请求中的单次交易金额一次性达到20万，这占用了账户备用金中较大一部分。因此为避免误操作，本实施例设定预设单次交易额度作为单次交易的资金限额。若单次交易金额大于预设单次交易额度时，拒绝本次所述资金交易请求。
进一步地，在本申请资金监控方法第四实施例的基础上，提出本申请资金监控方法第五实施例，与前述实施例的区别在于，所述资金监控方法还包括:
当检测到所述账户备用金小于第三预设值时，向预设审批邮箱发送备用金风险预警信息和备用金补充请求。
账户备用金作为紧急机动资金，需要保障整个预设企业账户中所有资金项目可随时进行资金调用，以降低资金风险。因此账户备用金的资金额度需保障能够随时调用。在本实施例中，系统设置了第三预设值。所述第三预设值是账户备用金金额的最低门限值。账户备用金只有大于预警线时，才能够发挥其风险防范效用。假设账户备用金只有几百元，则完全无法起到防范风险的功能。因此当检测到账户备用金小于第三预设值时，说明当前预设企业账户的账户备用金太少，有一定的资金流动性风险，需要进行资金补充。
由于预设企业账户内没有其他可用资金，因此需要从其他渠道补充资金。而资金调用情况都需要通过人工审批，因此系统将向预设审批邮箱发送备用金风险预警信息和备用金补充请求。所述备用金风险预警信息是对账户备用金余额的警告提示，而备用金补充请求是向审核人员提出资金补充，以避免账户备用金短缺的风险。
进一步地，在本申请资金监控方法第五实施例的基础上，提出本申请资金监控方法第六实施例，与前述实施例的区别在于，所述资金监控方法还包括：
步骤a，当检测到所述异常资金项目占用其他资金项目的交易资金时，获取所述异常资金项目对交易资金的第一占用时间和第一占用金额；
本实施例中，异常资金项目可能出现异常的原因是占用了其他资金项目的交易资金。通常地，占用其他资金项目的资金可能会造成其他项目发生资金异常，为判断异常资金项目占用其他资金项目的交易资金所造成的影响程度，系统将获取出资金项目对交易资金的第一占用时间和第一占用金额。第一占用时间指的是异常资金项目对交易资金的占用时间的长短，第一占用金额指的是异常资金对交易资金的占用额度的多少。
步骤b，确定所述交易资金在预设资金计划中的原资金项目，并获取原资金项目对所述交易资金的第二占用时间和第二占用金额；
本实施例中，交易资金在预设资金计划中是由原资金项目所调用的，现在被异常资金项目调用，那么系统需要获取原资金项目对交易资金的第二占用时间和第二占用金额。所述第二占用时间指的是原资金项目对交易资金的占用时间的长短，第二占用金额指的是原资金项目对交易资金的占用额度的多少。需要说明的是交易金额可以不等同于第二占用金额。
例如，资金项目A占用了资金项目B的交易资金，资金项目A占用了80万资金4天，80万资金全部是资金项目B中的。而资金项目B原先计划6天内使用80万中的40万。也就是说，当前资金项目B在6天中的前4天中，40万资金将无法准时到位，而是被资金项目A所占用。因此，资金项目A为异常资金项目，资金项目B为原资金项目，第一占用时间为4天，第一占用金额为40万，第二占用时间为6天，第二占用金额为80万。
步骤c，根据所述第一占用时间和所述第二占用时间计算时间占用比值，并根据所述第一占用金额和所述第二占用金额计算金额占用比值；
本实施例中，第一占用时间和第二占用时间分别为4天，6天，其时间占用比值为4/6=0.67；而第一占用金额和第二占用金额分别为40万，80万，其金额占用比值为40/80=50%。可以理解的是，时间占用比值和金额占用比值分别代表了当前异常资金项目的异常调用对原资金项目的资金调用造成的硬性程度。系统通过时间维度，和金额维度两个维度对资金占用的影响程度进行量化。
步骤d，对所述时间占用比值和所述金额占用比值进行均值计算，以获得占用影响数值；
在获取到时间占用比值和金额占用比值之后，系统将对二者进行均值计算。由于二者分别是从时间维度和金额维度反映的影响程度，而二者的融合计算则能综合体现时间和金额共同的综合影响程度。本实施例采用均值计算法，对时间占用比值和金额占用比值进行计算，以获得当前异常资金项目在占用资金和占用时间确定的条件下对原资金项目的占用影响数值。例如，时间占用比值为67%，金额占用比值为50%，取平均计算值为
（67%+50%）/2=58.2%
即当前的占用影响数值为58.2%。
步骤e，当检测到所述占用影响数值大于第四预设值时，向所述预设部门发送资金占用不合理的第三告警信息。
本实施例设置了第四预设值，所述第四预设值为占用影响数值的最低门限值。若占用影响数值超过了第四预设值，说明当前异常资金项目对原资金项目的资金占用会严重影响到原资金项目的正常运营。例如第四预设值为25%，而由上述例子计算获得的占用影响数值达到了58.2%，超过了第四预设值，异常资金项目对原资金项目的正常运营造成了极大的影响。此时，系统将生成第三告警信息，所述第三告警信息中包括了当前异常资金项目和原资金项目的资金占用情况，以及占用影响数值，以及当前项目资金占用不合理的提示信息。系统将向预设部门发送第三告警信息，预设部门作为对接部门，可根据第三告警信息进行紧急处理，如对原预设资金计划进行变更或者通过其他解决方案解决当前异常资金项目的资金异常占用情况。。
参照图3，本申请提供了一种资金监控系统，所述资金监控系统包括：
获取模块，用于获取预设银行中预设企业账户的实际收支款项集合；
对比模块，用于将所述实际收支款项与预设资金计划中对应的资金项目的计划收支款项进行对比，若对比不一致，则将所述实际收支款项设为异常款项，将所述异常款项所属的资金项目设为异常资金项目；
统计模块，用于统计所述异常资金项目中的资金缺口；
发送模块，用于当检测到所述资金缺口大于第一预设值时，基于所述资金缺口生成所述异常资金项目的第一告警信息，并将所述第一告警信息发送至与所述异常资金项目对接的预设部门。
参照图4，图4是本申请实施例方法涉及的硬件运行环境的设备结构示意图。
本申请实施例终端可以是PC，也可以是智能手机、平板电脑、电子书阅读器、MP3（Moving Picture Experts Group Audio Layer III，动态影像专家压缩标准音频层面3）播放器、MP4（Moving Picture Experts Group Audio Layer IV，动态影像专家压缩标准音频层面4）播放器、便携计算机等终端设备。
如图4所示，所述资金监控终端可以包括：处理器1001，例如CPU，存储器1005，通信总线1002。其中，通信总线1002用于实现处理器1001和存储器1005之间的连接通信。存储器1005可以是高速RAM存储器，也可以是稳定的存储器（non-volatile memory），例如磁盘存储器。存储器1005可选的还可以是独立于前述处理器1001的存储装置。
可选地，所述资金监控终端还可以包括用户接口、网络接口、摄像头、RF（Radio Frequency，射频）电路，传感器、音频电路、WiFi模块等等。用户接口可以包括显示屏（Display）、输入单元比如键盘（Keyboard），可选用户接口还可以包括标准的有线接口、无线接口。网络接口可选的可以包括标准的有线接口、无线接口（如WI-FI接口）。
本领域技术人员可以理解，图4中示出的资金监控终端结构并不构成对资金监控终端的限定，可以包括比图示更多或更少的部件，或者组合某些部件，或者不同的部件布置。
如图4所示，作为一种计算机存储介质的存储器1005中可以包括操作系统、网络通信模块以及计算机可读指令。操作系统是管理和控制资金监控终端硬件和软件资源的可读指令，支持计算机可读指令以及其它软件和/或可读指令的运行。网络通信模块用于实现存储器1005内部各组件之间的通信，以及与资金监控终端中其它硬件和软件之间通信。
在图4所示的资金监控终端中，处理器1001用于执行存储器1005中存储的计算机可读指令，实现上述资金监控方法各个实施例的步骤。
本申请资金监控终端的具体实施方式与上述资金监控方法各实施例基本相同，在此不再赘述。
本申请还提供了一种计算机可读存储介质，所述计算机可读存储介质可以为非易失性可读存储介质。计算机可读存储介质存储有一个或者一个以上可读指令，所述一个或者一个以上可读指令还可被一个或者一个以上的处理器执行以实现上述资金监控方法各个实施例的步骤。
本申请计算机可读存储介质具体实施方式与上述资金监控方法各实施例基本相同，在此不再赘述。
需要说明的是，在本文中，术语“包括”、“包含”或者其任何其他变体意在涵盖非排他性的包含，从而使得包括一系列要素的过程、方法、物品或者装置不仅包括那些要素，而且还包括没有明确列出的其他要素，或者是还包括为这种过程、方法、物品或者装置所固有的要素。在没有更多限制的情况下，由语句“包括一个……”限定的要素，并不排除在包括该要素的过程、方法、物品或者装置中还存在另外的相同要素。
上述本申请实施例序号仅仅为了描述，不代表实施例的优劣。
通过以上的实施方式的描述，本领域的技术人员可以清楚地了解到上述实施例方法可借助软件加必需的通用硬件平台的方式来实现，当然也可以通过硬件，但很多情况下前者是更佳的实施方式。基于这样的理解，本申请的技术方案本质上或者说对现有技术做出贡献的部分可以以软件产品的形式体现出来，该计算机软件产品存储在一个存储介质（如ROM/RAM、磁碟、光盘）中，包括若干指令用以使得一台终端设备（可以是手机，计算机，服务器，空调器，或者网络设备等）执行本申请各个实施例所述的方法。
以上仅为本申请的优选实施例，并非因此限制本申请的专利范围，凡是利用本申请说明书及附图内容所作的等效结构或等效流程变换，或直接或间接运用在其他相关的技术领域，均同理包括在本申请的专利保护范围内。

Claims (20)

  1. 一种资金监控方法，其特征在于，所述资金监控方法包括：
    获取预设银行中预设企业账户的实际收支款项集合；
    针对所述实际收支款项集合的每一项实际收支款项，执行如下步骤：
    将所述实际收支款项与预设资金计划中对应的资金项目的计划收支款项进行对比，若对比不一致，则将所述实际收支款项设为异常款项，将所述异常款项所属的资金项目设为异常资金项目；
    统计所述异常资金项目中的资金缺口；
    当检测到所述资金缺口大于第一预设值时，基于所述资金缺口生成所述异常资金项目的第一告警信息，并将所述第一告警信息发送至与所述异常资金项目对接的预设部门。
  2. 如权利要求1所述的资金监控方法，其特征在于，
    所述将所述第一告警信息发送至与所述异常资金项目对接的预设部门的步骤之后还包括：
    当检测到所述异常资金项目的计划支出金额与实际支出金额的比值大于第一百分比时，向与所述异常资金项目对接的预设部门发出支出金额超额的第二告警信息。
  3. 如权利要求1所述的资金监控方法，其特征在于，
    所述当检测到所述资金缺口大于第一预设值时，基于所述资金缺口生成所述异常资金项目的第一告警信息，并将所述第一告警信息发送至与所述异常资金项目对接的预设部门的步骤包括：
    当检测到所述资金缺口大于第一预设值时，获取所述预设企业账户对应的余额资金和计划收入金额，并根据所述余额资金和计划收入金额计算账户备用金；
    当检测到所述账户备用金小于所述资金缺口时，基于所述资金缺口和所述账户备用金生成所述异常资金项目的第一告警信息，并将所述第一告警信息发送至与所述异常资金项目对接的预设部门。
  4. 如权利要求3所述的资金监控方法，其特征在于，所述资金监控方法还包括：
    当检测到所述账户备用金大于第二预设值时，将第二百分比的账户备用金设为空置资金；
    根据所述空置资金的资金规模从预设数据库中获取对应的短期理财产品，并基于所述空置资金和所述短期理财产品生成产品推荐提示；
    将所述产品推荐提示发送至预设审批邮箱，以供审核人员审批。
  5. 如权利要求3所述的资金监控方法，其特征在于，
    所述当检测到所述资金缺口大于第一预设值时，基于所述资金缺口生成所述异常资金项目的第一告警信息，并将所述第一告警信息发送至与所述异常资金项目对接的预设部门的步骤之后还包括：
    当检测到基于所述账户备用金的资金交易请求时，获取资金交易请求中的单次交易金额；
    当检测到所述单次交易金额大于预设单次交易额度时，拒绝本次资金交易请求。
  6. 如权利要求5所述的资金监控方法，其特征在于，所述资金监控方法还包括:
    当检测到所述账户备用金小于第三预设值时，向预设审批邮箱发送备用金风险预警信息和备用金补充请求。
  7. 如权利要求1所述的资金监控方法，其特征在于，所述资金监控方法还包括：
    当检测到所述异常资金项目占用其他资金项目的交易资金时，获取所述异常资金项目对交易资金的第一占用时间和第一占用金额；
    确定所述交易资金在预设资金计划中的原资金项目，并获取原资金项目对所述交易资金的第二占用时间和第二占用金额；
    根据所述第一占用时间和所述第二占用时间计算时间占用比值，并根据所述第一占用金额和所述第二占用金额计算金额占用比值；
    对所述时间占用比值和所述金额占用比值进行均值计算，以获得占用影响数值；
    当检测到所述占用影响数值大于第四预设值时，向所述预设部门发送资金占用不合理的第三告警信息。
  8. 如权利要求2所述的资金监控方法，其特征在于，所述资金监控方法还包括：
    当检测到所述异常资金项目占用其他资金项目的交易资金时，获取所述异常资金项目对交易资金的第一占用时间和第一占用金额；
    确定所述交易资金在预设资金计划中的原资金项目，并获取原资金项目对所述交易资金的第二占用时间和第二占用金额；
    根据所述第一占用时间和所述第二占用时间计算时间占用比值，并根据所述第一占用金额和所述第二占用金额计算金额占用比值；
    对所述时间占用比值和所述金额占用比值进行均值计算，以获得占用影响数值；
    当检测到所述占用影响数值大于第四预设值时，向所述预设部门发送资金占用不合理的第三告警信息。
  9. 一种资金监控系统，其特征在于，所述资金监控系统包括：
    获取模块，用于获取预设银行中预设企业账户的实际收支款项集合；
    对比模块，用于将所述实际收支款项与预设资金计划中对应的资金项目的计划收支款项进行对比，若对比不一致，则将所述实际收支款项设为异常款项，将所述异常款项所属的资金项目设为异常资金项目；
    统计模块，用于统计所述异常资金项目中的资金缺口；
    发送模块，用于当检测到所述资金缺口大于第一预设值时，基于所述资金缺口生成所述异常资金项目的第一告警信息，并将所述第一告警信息发送至与所述异常资金项目对接的预设部门。
  10. 一种资金监控终端，其特征在于，所述资金监控终端包括：存储器、处理器、通信总线以及存储在所述存储器上的计算机可读指令，所述处理器用于执行所述计算机可读指令，以实现以下步骤：
    获取预设银行中预设企业账户的实际收支款项集合；
    针对所述实际收支款项集合的每一项实际收支款项，执行如下步骤：
    将所述实际收支款项与预设资金计划中对应的资金项目的计划收支款项进行对比，若对比不一致，则将所述实际收支款项设为异常款项，将所述异常款项所属的资金项目设为异常资金项目；
    统计所述异常资金项目中的资金缺口；
    当检测到所述资金缺口大于第一预设值时，基于所述资金缺口生成所述异常资金项目的第一告警信息，并将所述第一告警信息发送至与所述异常资金项目对接的预设部门。
  11. 如权利要求10所述的资金监控终端，其特征在于，执行所述将所述第一告警信息发送至与所述异常资金项目对接的预设部门的步骤之后还实现以下步骤：
    当检测到所述异常资金项目的计划支出金额与实际支出金额的比值大于第一百分比时，向与所述异常资金项目对接的预设部门发出支出金额超额的第二告警信息。
  12. 如权利要求10所述的资金监控终端，其特征在于，所述当检测到所述资金缺口大于第一预设值时，基于所述资金缺口生成所述异常资金项目的第一告警信息，并将所述第一告警信息发送至与所述异常资金项目对接的预设部门的步骤包括：
    当检测到所述资金缺口大于第一预设值时，获取所述预设企业账户对应的余额资金和计划收入金额，并根据所述余额资金和计划收入金额计算账户备用金；
    当检测到所述账户备用金小于所述资金缺口时，基于所述资金缺口和所述账户备用金生成所述异常资金项目的第一告警信息，并将所述第一告警信息发送至与所述异常资金项目对接的预设部门。
  13. 如权利要求12所述的资金监控终端，其特征在于，所述处理器执行所述计算机可读指令，还实现以下步骤：
    当检测到所述账户备用金大于第二预设值时，将第二百分比的账户备用金设为空置资金；
    根据所述空置资金的资金规模从预设数据库中获取对应的短期理财产品，并基于所述空置资金和所述短期理财产品生成产品推荐提示；
    将所述产品推荐提示发送至预设审批邮箱，以供审核人员审批。
  14. 如权利要求12所述的资金监控终端，其特征在于，所述处理器执行所述计算机可读指令，还实现以下步骤：
    当检测到基于所述账户备用金的资金交易请求时，获取资金交易请求中的单次交易金额；
    当检测到所述单次交易金额大于预设单次交易额度时，拒绝本次资金交易请求。
  15. 如权利要求14所述的资金监控终端，其特征在于，所述处理器执行所述计算机可读指令，还实现以下步骤：
    当检测到所述账户备用金小于第三预设值时，向预设审批邮箱发送备用金风险预警信息和备用金补充请求。
  16. 如权利要求10所述的资金监控终端，其特征在于，所述处理器执行所述计算机可读指令，还实现以下步骤：
    当检测到所述异常资金项目占用其他资金项目的交易资金时，获取所述异常资金项目对交易资金的第一占用时间和第一占用金额；
    确定所述交易资金在预设资金计划中的原资金项目，并获取原资金项目对所述交易资金的第二占用时间和第二占用金额；
    根据所述第一占用时间和所述第二占用时间计算时间占用比值，并根据所述第一占用金额和所述第二占用金额计算金额占用比值；
    对所述时间占用比值和所述金额占用比值进行均值计算，以获得占用影响数值；
    当检测到所述占用影响数值大于第四预设值时，向所述预设部门发送资金占用不合理的第三告警信息。
  17. 一种计算机可读存储介质，其特征在于，所述计算机可读存储介质上存储有计算机可读指令，所述计算机可读指令被处理器执行时实现以下步骤：
    获取预设银行中预设企业账户的实际收支款项集合；
    针对所述实际收支款项集合的每一项实际收支款项，执行如下步骤：
    将所述实际收支款项与预设资金计划中对应的资金项目的计划收支款项进行对比，若对比不一致，则将所述实际收支款项设为异常款项，将所述异常款项所属的资金项目设为异常资金项目；
    统计所述异常资金项目中的资金缺口；
    当检测到所述资金缺口大于第一预设值时，基于所述资金缺口生成所述异常资金项目的第一告警信息，并将所述第一告警信息发送至与所述异常资金项目对接的预设部门。
  18. 如权利要求17所述的计算机可读存储介质，其特征在于，执行所述将所述第一告警信息发送至与所述异常资金项目对接的预设部门的步骤之后还实现以下步骤：
    当检测到所述异常资金项目的计划支出金额与实际支出金额的比值大于第一百分比时，向与所述异常资金项目对接的预设部门发出支出金额超额的第二告警信息。
  19. 如权利要求17所述的计算机可读存储介质，其特征在于，所述当检测到所述资金缺口大于第一预设值时，基于所述资金缺口生成所述异常资金项目的第一告警信息，并将所述第一告警信息发送至与所述异常资金项目对接的预设部门的步骤包括：
    当检测到所述资金缺口大于第一预设值时，获取所述预设企业账户对应的余额资金和计划收入金额，并根据所述余额资金和计划收入金额计算账户备用金；
    当检测到所述账户备用金小于所述资金缺口时，基于所述资金缺口和所述账户备用金生成所述异常资金项目的第一告警信息，并将所述第一告警信息发送至与所述异常资金项目对接的预设部门。
  20. 如权利要求19所述的计算机可读存储介质，其特征在于，所述处理器执行所述计算机可读指令，还实现以下步骤：
    当检测到所述账户备用金大于第二预设值时，将第二百分比的账户备用金设为空置资金；
    根据所述空置资金的资金规模从预设数据库中获取对应的短期理财产品，并基于所述空置资金和所述短期理财产品生成产品推荐提示；
    将所述产品推荐提示发送至预设审批邮箱，以供审核人员审批。
PCT/CN2018/103334 2018-06-26 2018-08-30 资金监控方法、资金监控系统、终端及可读存储介质 WO2020000633A1 (zh)

Applications Claiming Priority (2)

Application Number Priority Date Filing Date Title
CN201810675578.5A CN109741160B (zh) 2018-06-26 2018-06-26 资金监控方法、资金监控系统、终端及可读存储介质
CN201810675578.5 2018-06-26

Publications (1)

Publication Number Publication Date
WO2020000633A1 true WO2020000633A1 (zh) 2020-01-02

Family

ID=66354250

Family Applications (1)

Application Number Title Priority Date Filing Date
PCT/CN2018/103334 WO2020000633A1 (zh) 2018-06-26 2018-08-30 资金监控方法、资金监控系统、终端及可读存储介质

Country Status (2)

Country Link
CN (1) CN109741160B (zh)
WO (1) WO2020000633A1 (zh)

Cited By (2)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
CN116523646A (zh) * 2023-04-21 2023-08-01 浙江物芯数科信息产业有限公司 一种应用于企业的金融资金管理系统和方法
CN117520441A (zh) * 2024-01-03 2024-02-06 国网浙江省电力有限公司金华供电公司 资金流数据的异常检测方法、装置及设备

Families Citing this family (1)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
CN111815238B (zh) * 2020-07-14 2023-08-08 上海燕汐软件信息科技有限公司 一种物流利润监管方法、装置及系统

Citations (4)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
WO2011106529A2 (en) * 2010-02-24 2011-09-01 Wherepro, Llc Data packet generator and implementations of same
CN105989419A (zh) * 2015-01-27 2016-10-05 国家电网公司 一种智能配电网工程项目投资纠偏与优化方法
CN106503959A (zh) * 2016-09-29 2017-03-15 中工国际工程股份有限公司 项目信息的监控预警系统
CN106570055A (zh) * 2016-09-27 2017-04-19 山东浪潮云服务信息科技有限公司 一种基于财政大数据的信息预警平台

Family Cites Families (4)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
CN101464976A (zh) * 2009-01-06 2009-06-24 中国建设银行股份有限公司 一种资金管理的监控方法和系统
CN105389657A (zh) * 2015-11-10 2016-03-09 中国建设银行股份有限公司 一种账户资金监管方法和系统
CN105894376A (zh) * 2016-03-07 2016-08-24 浙江爱贷金融服务外包股份有限公司 一种金融账户资金管理系统及方法
CN108154428B (zh) * 2018-01-22 2022-01-04 河南农业职业学院 一种财务管理系统和方法

Patent Citations (4)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
WO2011106529A2 (en) * 2010-02-24 2011-09-01 Wherepro, Llc Data packet generator and implementations of same
CN105989419A (zh) * 2015-01-27 2016-10-05 国家电网公司 一种智能配电网工程项目投资纠偏与优化方法
CN106570055A (zh) * 2016-09-27 2017-04-19 山东浪潮云服务信息科技有限公司 一种基于财政大数据的信息预警平台
CN106503959A (zh) * 2016-09-29 2017-03-15 中工国际工程股份有限公司 项目信息的监控预警系统

Cited By (3)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
CN116523646A (zh) * 2023-04-21 2023-08-01 浙江物芯数科信息产业有限公司 一种应用于企业的金融资金管理系统和方法
CN117520441A (zh) * 2024-01-03 2024-02-06 国网浙江省电力有限公司金华供电公司 资金流数据的异常检测方法、装置及设备
CN117520441B (zh) * 2024-01-03 2024-03-15 国网浙江省电力有限公司金华供电公司 资金流数据的异常检测方法、装置及设备

Also Published As

Publication number Publication date
CN109741160A (zh) 2019-05-10
CN109741160B (zh) 2023-05-26

Similar Documents

Publication Publication Date Title
WO2020006852A1 (zh) 差旅费自助核销处理方法、装置、设备和计算机存储介质
WO2020000633A1 (zh) 资金监控方法、资金监控系统、终端及可读存储介质
TWI267008B (en) Method, device and system for intelligent right data search management as well as the storage medium storing and executing computer program of this method
CN105427091A (zh) 一种电力营销高压业扩报装全过程管控系统
WO2020000632A1 (zh) 发票开具方法、装置、设备及计算机可读存储介质
WO2020087978A1 (zh) 风控审核模型的生成方法、装置、设备及存储介质
WO2019076007A1 (zh) 一种客户反馈信息的处理方法及终端
WO2019037196A1 (zh) 任务分配方法、装置及计算机可读存储介质
CN105787787A (zh) 物资采购数据传输网络系统及其采购数据预警方法
WO2020119115A1 (zh) 数据审核方法、装置、设备及存储介质
WO2020119384A1 (zh) 基于大数据分析的医保异常检测方法、装置、设备和介质
WO2020077837A1 (zh) 业务数据核算方法、装置、设备及计算机可读存储介质
WO2015106619A1 (zh) 商品调价管理跟踪系统及其跟踪方法
CN114254846A (zh) 一种工程项目信息管理系统
WO2018008835A1 (ko) 증권 포트폴리오를 위한 리스크 관리 방법 및 이를 위한 리스크 관리 장치.
TW200421139A (en) System and method for employee performance assessing
WO2020237858A1 (zh) 断点数据传输方法、装置、设备及非易失性存储介质
WO2022010217A1 (ko) 미래 소득 예측을 통한 안정 급여 제공 시스템
CN109032690A (zh) 一种动态处理营销数据的方法和装置
JP6174098B2 (ja) 計画支援装置、サプライチェーン管理システム及び計画支援プログラム
WO2020119120A1 (zh) 异常购药的识别方法、装置、终端及计算机可读存储介质
CN113570083A (zh) 设备的运维流程确定方法、装置、电子设备以及存储介质
JP2001331619A (ja) 人材管理システム及び人材管理方法
WO2020119104A1 (zh) 医疗机构的药品监控管理方法、装置、设备和存储介质
JP2008065790A (ja) プロジェクトリスク管理システムの運用と方法並びにプロジェクトリスク管理プログラム

Legal Events

Date Code Title Description
121 Ep: the epo has been informed by wipo that ep was designated in this application

Ref document number: 18924577

Country of ref document: EP

Kind code of ref document: A1

NENP Non-entry into the national phase

Ref country code: DE

122 Ep: pct application non-entry in european phase

Ref document number: 18924577

Country of ref document: EP

Kind code of ref document: A1