Predicting method of reserve fund and device

A forecasting method and fund technology, which is applied in the field of spare fund forecasting of auto financial service business, and can solve problems such as inaccurate fund forecasting

Inactive Publication Date: 2010-03-03
BEIJING NINE STAR TECH CORP
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  • Summary
  • Abstract
  • Description
  • Claims
  • Application Information

AI Technical Summary

Problems solved by technology

[0004] The purpose of the present invention is to provide a method and device for forecasting spare funds to solve

Method used

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  • Predicting method of reserve fund and device
  • Predicting method of reserve fund and device
  • Predicting method of reserve fund and device

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Embodiment Construction

[0018] The technical solutions of the present invention will be described in further detail below with reference to the accompanying drawings and embodiments.

[0019] The spare fund prediction method and device of the present invention are applied to the spare fund forecasting method and device of the automobile financial service business. The auto finance company needs to predict tomorrow's spare funds on the working day, so as to avoid excessive spare fund preparation or spare fund preparation. The unreasonable allocation of funds caused by too little, and the prediction method of the reserve fund in the present invention are all completed according to the historical data accumulated by the auto finance company for a long time.

[0020] figure 1 It is a flow chart of the spare fund forecasting method of the present invention. Such as figure 1 As shown, the spare fund prediction method of the present embodiment includes:

[0021] Step 101. Predict the amount of inventory ...

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Abstract

The invention discloses a predicting method of reserve fund and a device, wherein the method comprises the following steps of: predicting the loan amount of inventory business of each subsidiary autodealer of an auto financing company, and acquiring the fund predicting amount of the inventory business of the auto financing company by statistics of the predicted loan amount of inventory business needed by each subsidiary auto dealer; predicting the loan amount of retail business needed by each auto dealer, and acquiring the fund predicting amount of the retail business of the auto financing company by statistics of the predicted loan amount of retail business needed by each subsidiary auto dealer; and acquiring the reserve fund predicting amount of the auto financing company according to the fund predicting amount of the inventory business and the fund predicting amount of the retail business of the auto financing company. The technical scheme solves the problem that the predication ofreserve fund in the prior art is not accurate, and realizes the purpose of carrying out prediction to the reserve fund so as to lead the fund to be allocated reasonably by taking reliable and large amount of historical data as a basis.

Description

technical field [0001] The invention relates to computer software technology, in particular to a spare fund prediction method and device applied to automobile financial service business. Background technique [0002] With the rapid development of market finance business, auto finance companies play an important role in the auto finance service business, and their main function is to provide capital loans to auto dealers and individual auto buyers. Further, its main business can be divided into two categories: one is called "inventory business", which is mainly aimed at providing financial support to auto dealers when auto dealers purchase cars from auto manufacturers in batches, that is, inventory loans The other type is called "retail business", which is mainly aimed at individual consumers. When individual consumers buy cars from car dealers, they provide financial support to individual consumers, that is, retail loan business. In practice, auto finance companies need to ...

Claims

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Application Information

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IPC IPC(8): G06Q30/00G06Q50/00
Inventor 解洪波郭超群朱中铭
Owner BEIJING NINE STAR TECH CORP
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