Rental and income calculation method and device for rental business

Abstract

The invention discloses a rental and income calculation method and device for a rental service, which can be applied to the financial field, and comprises the following steps: determining a calculation mode of the rental and the interest rate of the rental service, and if the calculation mode is financing rental pricing calculation, determining the calculation mode; if the calculation mode is operational lease pricing calculation, a rent schedule and income information of the lease service product are calculated according to first machine account information of the lease service product, and the first machine account information comprises a rent payment mode, call information, delivery information, a rent payment scheme and financial and transaction clause information; if yes, a rent schedule and income information of the rental service product are calculated according to second machine account information of the rental service product, and the second machine account information comprises basic information, a rent payment mode and financial transaction clause information of the rental service product. Therefore, the rent schedule and the income information can be automatically calculated, manual calculation is not needed, errors of manual calculation are avoided, and the calculation efficiency is improved.

Description

Technical Field

[0001] This application relates to the financial field, and particularly to a method for calculating rent and income in a leasing business and related devices. Background Art

[0002] The leasing business is a common business model in modern economic activities, which involves a lessor leasing assets (such as equipment, real estate, vehicles, etc.) to a lessee to obtain rental income. In the leasing business, the calculation of rent and income is a key link, and its accuracy directly affects the financial situation and decision-making of enterprises.

[0003] Currently, the calculation methods of rent and income in leasing involve multiple factors, such as lease term, rent payment method, asset acquisition cost, residual value, etc. Traditional calculation methods rely on manual work, are prone to errors, and are difficult to meet the needs of different leasing businesses. Summary of the Invention

[0004] This application provides a method for calculating rent and income in a leasing business to avoid errors in manual calculation and improve calculation efficiency. This application also provides a device for calculating rent and income in a leasing business.

[0005] In a first aspect, this application provides a method for calculating rent and income in a leasing business, including:

[0006] Determine the calculation methods for the rent and interest rate of the leasing business, where the calculation methods are financial leasing pricing calculation or operating leasing pricing calculation;

[0007] If the calculation method is financial leasing pricing calculation, calculate the rent schedule and income information of the leasing business product according to the first ledger information of the leasing business product. The first ledger information includes: rent payment method, interest rate adjustment information, investment information, rent payment plan, and financial and transaction terms information. The rent schedule is used to represent the rent payment arrangement during the lease period, and the income information is used to record the income and expenditure and rate of return of the leasing business product during the lease process;

[0008] If the calculation method is operating leasing pricing calculation, calculate the rent schedule and income information of the leasing business product according to the second ledger information of the leasing business product. The second ledger information includes the basic information of the leasing business product, rent payment method, and financial transaction terms information.

[0009] Optionally, the leasing business product is an aviation product or a shipping product, the calculation method is financial leasing pricing calculation, and the first ledger information further includes pre-rental information and tax information.

[0010] Optionally, the leasing business product is an aviation product, the calculation method is operating lease pricing calculation, the second ledger information further includes: financing cost and loan payment information, and the basic information at least includes purchase price, rental VAT rate, rental VAT surcharge rate, and tax refund ratio.

[0011] Optionally, the method includes:

[0012] Present a rent and income calculation interface, which includes options for selecting the calculation methods of rent and interest rate for the leasing business, options for selecting the type of leasing business product, and controls for filling in ledger information. The calculation method selection option is used to determine the corresponding calculation methods of rent and interest rate for the leasing business according to the user's selection operation. The leasing business product type selection option is used to determine the corresponding type of leasing business product according to the user's selection operation. The ledger information filling control is used to determine the first ledger information or the second ledger information according to the user input information.

[0013] Optionally, the method further includes: displaying the rent schedule and income information;

[0014] When the calculation method is finance lease pricing calculation, the displayed rent schedule at least includes: rent payable, principal, interest, principal amount, number of periods, payment date, and interest rate for the period. When the calculation method is operating lease pricing calculation and the leasing business product is a general product or a shipping product, the displayed rent schedule at least includes: payment date for each period, number of periods, and rent amount. When the calculation method is operating lease pricing calculation and the leasing business product is an aviation product, the displayed rent schedule at least includes: payment date for each period, number of periods, rent amount excluding tax, rent amount including tax, and rent tax.

[0015] In a second aspect, the present application also provides a device for calculating rent and income of a leasing business, and the device includes:

[0016] A determination unit, configured to determine the calculation methods of rent and interest rate for the leasing business, and the calculation methods are finance lease pricing calculation or operating lease pricing calculation;

[0017] A first calculation unit, configured to, if the calculation method is finance lease pricing calculation, calculate the rent schedule and income information of the leasing business product according to the first ledger information of the leasing business product. The first ledger information includes: rent payment method, interest rate adjustment information, investment information, rent payment plan, and financial and transaction terms information. The rent schedule is used to represent the rent payment arrangement during the lease period, and the income information is used to record the income and expenditure and rate of return of the leasing business product during the lease process;

[0018] A second calculation unit, configured to calculate a rental schedule and revenue information of the lease business product according to the second ledger information of the lease business product if the calculation method is operating lease pricing calculation, where the second ledger information includes basic information of the lease business product, a rent payment method, and financial transaction term information.

[0019] Optionally, the lease business product is an aviation product or a shipping product, the calculation method is finance lease pricing calculation, and the first ledger information further includes pre-rental information and tax information.

[0020] Optionally, the lease business product is an aviation product, the calculation method is operating lease pricing calculation, and the second ledger information further includes: financing cost and loan payment information, and the basic information at least includes purchase price, rent VAT rate, rent VAT surcharge rate, and tax refund ratio.

[0021] Optionally, the device further includes:

[0022] A presentation unit, configured to present a rent and revenue calculation interface, where the rent and revenue calculation interface includes options for selecting calculation methods of rent and interest rate of the lease business, an option for selecting the type of the lease business product, and controls for filling in ledger information. The option for selecting the calculation method is configured to determine the corresponding calculation method of rent and interest rate of the lease business according to the user's selection operation, the option for selecting the type of the lease business product is configured to determine the corresponding type of the lease business product according to the user's selection operation, and the controls for filling in ledger information are configured to determine the first ledger information or the second ledger information according to the user input information.

[0023] Optionally, the device further includes:

[0024] A display unit, configured to display the rental schedule and revenue information;

[0025] When the calculation method is finance lease pricing calculation, the displayed rental schedule at least includes: payable rent, principal, interest, principal amount, number of periods, payment date, and period interest rate; when the calculation method is operating lease pricing calculation and the lease business product is a general product or a shipping product, the displayed rental schedule at least includes: payment date of each period, number of periods, and rent amount; when the calculation method is operating lease pricing calculation and the lease business product is an aviation product, the displayed rental schedule at least includes: payment date of each period, number of periods, rent amount excluding tax, rent amount including tax, and rent tax.

[0026] In a third aspect, an embodiment of the present application provides a device, which includes a memory and a processor. The memory is used to store instructions or codes, and the processor is used to execute the instructions or codes so that the device executes the method described in the foregoing first aspect.

[0027] In a fourth aspect, an embodiment of the present application provides a computer storage medium, in which codes are stored. When the codes are run, the device running the codes implements the method described in the foregoing first aspect. Description of the Drawings

[0028] To more clearly illustrate the technical solutions in the embodiments or the prior art, the following will briefly introduce the drawings required for the description of the embodiments or the prior art. Obviously, the drawings in the following description are only some embodiments of the present application. For those of ordinary skill in the art, other drawings can be obtained based on these drawings without creative efforts.

[0029] Figure 1 It is a flowchart of a method for calculating rent and revenue of a leasing business provided by an embodiment of the present application;

[0030] Figure 2 It is a schematic structural diagram of a specific implementation manner of a device for calculating rent and revenue of a leasing business provided by the present application. Detailed Embodiments

[0031] The following will clearly and completely describe the technical solutions in the embodiments of the present application with reference to the drawings in the embodiments of the present application. Obviously, the described embodiments are only some embodiments of the present application, rather than all embodiments. Based on the embodiments in the present application, all other embodiments obtained by those of ordinary skill in the art without creative efforts belong to the protection scope of the present application.

[0032] It should be noted that a method and a device for calculating rent and revenue of a leasing business provided by the present application are used in the application scenario of calculating rent and revenue of a leasing business in the financial field. Other fields are any fields other than the financial field. The above is only an example and does not limit the application fields of the names of the method and the device provided by the present application.

[0033] Leasing business is a common business model in modern economic activities, which involves the lessor leasing assets (such as equipment, real estate, vehicles, etc.) to the lessee to obtain rental income. In the leasing business, the calculation of rent and income is a key link, and its accuracy directly affects the financial status and decision-making of the enterprise. Currently, the calculation methods of rent and income in leasing involve various factors, such as lease term, rent payment method, asset acquisition cost, residual value, etc. Traditional calculation methods rely on manual work, are prone to errors, and are difficult to meet the needs of different leasing businesses.

[0034] Through research, the technical solution of this application is proposed. In this application, the calculation methods of rent and interest rate for leasing business are determined. Among them, the calculation method is financial leasing pricing calculation or operating leasing pricing calculation. If the calculation method is financial leasing pricing calculation, the rent schedule and income information of the leasing business product are calculated according to the first ledger information of the leasing business product. The first ledger information includes: rent payment method, interest rate adjustment information, investment information, rent payment plan, and financial and transaction terms information. The rent schedule is used to represent the rent payment arrangement during the lease term, and the income information is used to record the income and expenditure and rate of return of the leasing business product during the lease process. If the calculation method is operating leasing pricing calculation, the rent schedule and income information of the leasing business product are calculated according to the second ledger information of the leasing business product. The second ledger information includes the basic information of the leasing business product, rent payment method, and financial transaction terms information. By clearly distinguishing the calculation methods of financial leasing and operating leasing and combining detailed ledger information, this application can automatically calculate the rent schedule and income information without manual calculation, thereby avoiding the errors of manual calculation and improving the calculation efficiency.

[0035] The method provided by the embodiment of this application can be executed by software on a terminal device. The terminal device can be, for example, a mobile phone, a tablet computer, a computer, etc. The software can be, for example, system software.

[0036] In order to enable people in the technical field to better understand the solution of this application, the following further detailed description of this application will be given in combination with the drawings and specific implementation manners. The following takes the method provided by the embodiment of this application being executed by the first device as an example for description.

[0037] Figure 1 It is a flowchart of a method for calculating rent and income of a leasing business provided by an embodiment of this application. As Figure 1 shown, the method includes:

[0038] S101: Determine the calculation methods of rent and interest rate for the leasing business.

[0039] The first device determines the calculation methods for the rent and interest rate of the leasing business. Among them, the calculation methods for the rent and interest rate of the leasing business can be financial leasing pricing calculation or operating leasing pricing calculation. Financial leasing pricing calculation is a leasing form that essentially transfers all risks and rewards related to the ownership of the asset. Operating leasing pricing calculation means that operating leasing is a leasing form that only transfers the right to use the asset, while the risks and rewards related to the ownership of the asset still belong to the lessor.

[0040] S102: If the calculation method is financial leasing pricing calculation, calculate the rent schedule and income information of the leasing business product according to the first ledger information of the leasing business product.

[0041] If it is determined that the calculation method is financial leasing pricing calculation, calculate the rent schedule and income information of the leasing business product according to the first ledger information of the leasing business product. Among them, the rent schedule can be used to represent the rent payment arrangement during the lease period, which can include the rent payable, principal, interest, and principal balance, as well as information such as the number of periods, payment date, whether the payment date is a holiday, and the current interest rate. The income information can be used to record the income and expenditure of the leasing business product during the lease process (which can include the income date, type of funds, cash flow. Among them, the type of funds can include rent collection, margin, investment amount, purchase price at the end of the lease, and branch service fee, etc.) and the rate of return (which can include four evaluation indicators: internal rate of return IRR (%), extended internal rate of return XIRR (%), IRR (%) after paying the service fee, and XIRR (%) after paying the service fee).

[0042] The first ledger information can specifically include: rent payment method, interest rate adjustment information, investment information, rent payment plan, and financial and transaction terms information, etc.

[0043] Among them, the rent payment method can include: annual calculation days (determine how many days in a year are used for rent calculation, commonly 360 days or 365 days), financing amount (the total amount of funds provided by the lessor to the lessee for purchasing the leased asset), repayment frequency (the frequency of rent payment, such as monthly, quarterly, annually, etc.), prepaid or postpaid (the time arrangement of rent payment, prepaid means paying the rent at the beginning of the lease period, and postpaid means paying the rent at the end of the lease period), purchase price at the end of the lease (the amount that the lessee needs to pay when purchasing the leased asset at the end of the lease), planned lease start date (the date when the lease contract officially comes into effect), end date (the date when the lease contract ends), and lease term (the total term of the lease contract, which can be in years or months, for example), etc.

[0044] The interest rate adjustment information may include: interest rate adjustment frequency (the total term of the lease contract, for example, in years or months, etc.), interest rate adjustment periods (the number of interest rate adjustments, which may be related to the interest rate adjustment frequency) and interest rate adjustment date (the specific date of the interest rate adjustment), etc.

[0045] The placement information may include: the expected payment date (the date on which the lessor pays the supplier for the purchase of the leased property), the placement amount (the amount actually paid by the lessor), etc.

[0046] Financial and transaction terms information may include: fee type (various fees involved in the lease contract, such as handling fees, deposits, insurance premiums, etc.), pricing method (how the fees are calculated, such as a percentage of the financing amount, a fixed amount, etc.), ratio (the ratio of the fees to the financing amount), total amount payable (the total amount the lessee needs to pay, which may include rent, fees, etc.), collection / payment method (the method of collecting or paying fees, such as bank transfer, cash, etc.) and expected collection / payment date (the date the fees are collected or paid), etc.

[0047] The rent payment plan may include: starting period (the starting period of rent payment), ending period (the ending period of rent payment), interest rate type (the type of rent interest rate, such as fixed interest rate or floating interest rate) and interest rate floating method, etc. It should be noted that the interest rate type and floating value can be different between certain periods. The rent calculation of each period needs to be combined with the interest rate of that period. When the interest rate is different, the calculated rent value must be different, that is, the segmented interest rate leads to segmented rent.

[0048] In some possible implementations, the rent calculation methods can be divided into the following two basic categories: specified rent and specified principal, and each category can be flexibly adjusted according to user needs.

[0049] Designated rent: In the designated rent, the repayment amount of each period of the product is fixed, including the principal and interest. However, as time goes by, the ratio of principal to interest will gradually change. In each repayment period, the interest part will gradually decrease, while the principal part will gradually increase, so that the total repayment amount of each period remains unchanged. Therefore, the calculation core of this rent payment method is to reverse the principal, that is, to reverse the principal to be repaid in this period based on the designated rent and interest.

[0050] Depending on whether the fixed rent for each period is specified by the user, it can be divided into:

[0051] Equal rent = PMT (period interest rate, total number of periods, total principal to be repaid, balance, whether to pay in advance);

[0052] Customized rent: The rent for each repayment period is specified by the user, which does not need to be consistent throughout the whole process and can be divided into segments;

[0053] The determined rental amount is then split into principal and interest as follows:

[0054] Interest = current remaining principal * period interest rate;

[0055] Principal = rent - interest.

[0056] Specified principal: In equal principal repayment, the repayment amount for each period is not fixed, but the principal amount repaid for each period is the same, and the interest will gradually decrease over time. Depending on whether the fixed principal for each period is specified by the user, it can be divided into:

[0057] Equal principal = total amount invested / number of repayment periods;

[0058] Custom principal = the principal for each repayment period specified by the user, which does not need to be consistent throughout the entire process and can be divided into segments;

[0059] Interest = current remaining principal * daily interest rate * number of days in this period;

[0060] Rent = principal + interest.

[0061] In some possible implementation methods, when the leasing business product is an aviation product or a shipping product, the calculation method is the financial leasing pricing method, and the first ledger information also needs to include pre-lease information and tax information.

[0062] The pre-lease period usually refers to the preparation period before the lease contract takes effect. The calculation method of the pre-lease period may involve the purchase of the leased items, the delivery schedule, etc. For example, in aircraft leasing, the pre-lease period may be calculated from the signing of the contract to the delivery of the aircraft. The pre-lease period information may include the calculation method of the pre-lease period and the pre-lease period interest rate.

[0063] The calculation method of the pre-lease period may also be related to the delivery status of the leased object, such as whether it needs to be modified or debugged. The pre-lease interest rate may be related to the financing interest rate agreed in the lease contract. In aviation leasing, the pre-lease interest rate can be determined based on the market interest rate level and financing costs.

[0064] Tax information can include VAT information and tax refund information. Among them, VAT information can include principal VAT or interest VAT. In this case, the principal VAT or interest VAT needs to be added to the rental plan, and the rent will also become tax-inclusive rent accordingly. The specific calculation formula is as follows:

[0065] Principal VAT = principal * VAT rate * proportion of principal VAT borne;

[0066] Interest VAT = interest * VAT rate * proportion of interest VAT borne.

[0067] Tax refund information can include additional tax refund and value-added tax refund. The specific calculation formula is as follows:

[0068] Additional tax = VAT * Additional tax rate;

[0069] VAT refund = VAT * VAT refund ratio;

[0070] Additional tax refund = VAT * Refundable additional tax rate * Additional tax refund ratio.

[0071] S103: If the calculation method is for operating lease pricing calculation, calculate the rental schedule and revenue information of the lease business product according to the second ledger information of the lease business product.

[0072] If the calculation method is for operating lease pricing calculation, calculate the rental schedule and revenue information of the lease business product according to the second ledger information of the lease business product. Among them, the rental schedule can be used to represent the rental payment arrangement during the lease period. For general and shipping leases, the rental schedule of the product can include the payment date, number of periods, and rental amount for each period. For aircraft leases, the rental schedule of the product can include the number of periods, payment date, group amount (excluding tax), rental tax, and rental amount (including tax). The revenue information can be used to record the income and expenses of the lease business product during the lease process (which can include serial number date, cash flow (settlement currency), and type of funds, where the type of funds can include rental income, deposit, investment amount, etc.) and the rate of return (similar to the content included in the revenue information obtained by the financial lease pricing calculation method, and no redundant description is made here). In addition, the rate of return here can also include indicators such as rental coverage ratio, financing cost, total rental amount, accounting profit, and cash flow for each period, etc., to more conveniently and comprehensively evaluate the revenue situation.

[0073] Among them, the second ledger information can include the basic information of the lease business product, rental payment method, and financial transaction terms information. The basic information of the lease business product can include the ledger name, lessor information, and the generation method of the rental schedule, etc. The ledger name is the name used to identify and manage the lease project, usually including information such as the type, use, and number of the leased item. For example: XX Company's 2024 XX Equipment Operating Lease Ledger. The lessor information is an important part of the lease contract, and the following content needs to be filled in detail: Lessor name: The full name of the lessor, which must be consistent with the business license or legal person registration certificate. Address: The registered address or main business place of the lessor. Contact information: Contact phone number, email, etc., used for communication during the execution of the contract. Legal representative: The name of the legal representative of the lessor. Unified social credit code: The unified social credit code of the lessor, used for legal and financial identification. Generation method of the rental schedule. The rental schedule is an important attachment to the lease contract, used to clarify details such as the time and amount of rental payment. The generation method of the rental schedule can include the following content:

[0074] The calculation formula for rent, for example: Rent = Number of lease periods × Cost of leased item + Operating cost + Expected profit. Payment frequency: The frequency of rent payment, such as monthly, quarterly, annually, etc. Payment date: The specific payment date for each rent period, which can be a fixed date of each month. Rent adjustment mechanism: If the rent will be adjusted according to market conditions or contract terms, it is necessary to clarify the adjustment conditions and methods. Prepayment / Postpayment: The time arrangement of rent payment. Prepayment means paying the rent at the beginning of the lease period, and postpayment means paying the rent at the end of the lease period.

[0075] The rent payment methods here can include: Annual calculation days, Lease term, Repayment frequency, Period number, Interest calculation method, Residual value (The residual value of a leased asset refers to the estimated value of the leased asset after the end of the lease period), Rent VAT rate, Lease commencement date, and First repayment date, etc.

[0076] The financial transaction terms information involved in this step is similar to that in step S102 and will not be elaborated here.

[0077] In some possible implementation manners, when the leasing business product is an aviation product and the calculation method is operating lease pricing calculation, the second ledger information further needs to include: Financing cost and loan payment information. The basic information at least includes purchase price (The purchase price refers to the amount paid by the leasing company for purchasing the leased product), Rent VAT rate, Rent VAT surcharge rate, and Tax refund ratio.

[0078] Among them, the financing cost refers to the various costs incurred by the leasing company in carrying out the financial leasing business for raising funds, which can include short-term financing interest rate (The short-term financing ratio refers to the proportion of funds raised by the leasing company through short-term financing methods (such as bank short-term loans, commercial paper, etc.) in the total financing amount), long-term financing ratio (The long-term financing ratio refers to the proportion of funds raised by the leasing company through long-term financing methods (such as bank long-term loans, bond issuance, etc.) in the total financing amount), long-term financing balance (The long-term financing balance refers to the last payment that the leasing company needs to repay when the long-term financing expires), and Whether it takes effect (Whether it takes effect refers to whether the financing contract has been formally effective and whether the funds have been in place), etc.

[0079] The loan payment information can include payment date (The payment date refers to the specific date when the leasing company pays the purchase price of the leased item to the supplier), payment currency (The payment currency refers to the type of currency used by the leasing company to pay the purchase price of the leased item.), price (The price refers to the purchase amount of the leased item paid by the leasing company to the supplier), and exchange rate for settlement currency (The exchange rate for settlement currency refers to the exchange rate between the currency used for payment and the settlement currency).

[0080] In some possible implementations, the present application can also present a rent and revenue calculation interface. The rent and revenue calculation interface includes options for selecting the calculation methods of rent and interest rate for the leasing business, options for selecting the product types of the leasing business, and ledger information filling controls. The calculation method selection option is used to determine the calculation methods of rent and interest rate for the corresponding leasing business according to the user's selection operation. The leasing business product type selection option is used to determine the corresponding leasing business product type according to the user's selection operation. The ledger information filling control is used to determine the first ledger information or the second ledger information according to the user input information.

[0081] The present application can also display a rent schedule and revenue information. When the calculation method is financial leasing pricing calculation, the displayed rent schedule at least includes: rent payable, principal, interest, principal amount, number of periods, payment date, and interest rate for each period. When the calculation method is operating leasing pricing calculation and the leasing business product is a general product or a shipping product, the displayed rent schedule at least includes: payment date for each period, number of periods, and rent amount. When the calculation method is operating leasing pricing calculation and the leasing business product is an aviation product, the displayed rent schedule at least includes: payment date for each period, number of periods, rent amount excluding tax, rent amount including tax, and rent tax. Through clear options and filling controls, users can quickly find the required functions and perform operations without complex calculations or memorizing complex formulas, reducing the usage threshold. Secondly, users can select different calculation methods and product types according to their specific business needs to meet diverse business scenarios, reducing the time and error rate of manual calculation and reducing the manual operation links, reducing labor costs and improving work efficiency. In addition, users can quickly view the rent and revenue situations under different calculation methods and product types, providing immediate support for the decision-making of the leasing business and helping users quickly evaluate the feasibility and profitability of the business. Displaying a detailed rent schedule according to different calculation methods and product types helps users better plan the cash flow and reasonably arrange rent payments and revenue distributions.

[0082] In this application, the calculation methods for the rent and interest rate of the leasing business are determined. Among them, the calculation method is either the financial leasing pricing calculation or the operating leasing pricing calculation. If the calculation method is the financial leasing pricing calculation, the rent schedule and income information of the leasing business product are calculated according to the first ledger information of the leasing business product. The first ledger information includes: rent payment method, interest rate adjustment information, investment information, rent payment plan, and financial and transaction terms information. The rent schedule is used to represent the rent payment arrangement during the lease period, and the income information is used to record the income and expenses and the rate of return of the leasing business product during the lease process. If the calculation method is the operating leasing pricing calculation, the rent schedule and income information of the leasing business product are calculated according to the second ledger information of the leasing business product. The second ledger information includes the basic information of the leasing business product, the rent payment method, and the financial transaction terms information. By clearly distinguishing the calculation methods for financial leasing and operating leasing and combining detailed ledger information, this application can automatically calculate the rent schedule and income information without manual calculation, thereby avoiding the errors of manual calculation and improving the calculation efficiency.

[0083] The above are some specific implementation manners of the method for calculating the rent and income of the leasing business provided by the embodiments of this application. Based on this, this application also provides a corresponding device. The device provided by the embodiments of this application will be introduced from the perspective of functional modularization below, and this device can be correspondingly referred to the method for calculating the rent and income of the leasing business described above.

[0084] Figure 2 It is the structural block diagram of the device for calculating the rent and income of the leasing business provided by the embodiments of the present invention, which is called the second specific implementation manner. Refer to Figure 2 The device may include:

[0085] A determination unit 200, configured to determine the calculation method for the rent and interest rate of the leasing business, and the calculation method is either the financial leasing pricing calculation or the operating leasing pricing calculation;

[0086] A first calculation unit 210, configured to, if the calculation method is the financial leasing pricing calculation, calculate the rent schedule and income information of the leasing business product according to the first ledger information of the leasing business product. The first ledger information includes: rent payment method, interest rate adjustment information, investment information, rent payment plan, and financial and transaction terms information. The rent schedule is used to represent the rent payment arrangement during the lease period, and the income information is used to record the income and expenses and the rate of return of the leasing business product during the lease process;

[0087] A second calculation unit 220, configured to calculate a rent schedule and revenue information of the leasing business product according to second ledger information of the leasing business product if the calculation method is operating lease pricing calculation, where the second ledger information includes basic information of the leasing business product, a rent payment method, and financial transaction term information.

[0088] Optionally, the leasing business product is an aviation product or a shipping product, the calculation method is finance lease pricing calculation, and the first ledger information further includes pre-rental information and tax information.

[0089] Optionally, the leasing business product is an aviation product, the calculation method is operating lease pricing calculation, and the second ledger information further includes: financing cost and loan payment information, and the basic information at least includes purchase price, rent VAT rate, rent VAT surcharge rate, and tax refund ratio.

[0090] Optionally, the device further includes:

[0091] A presentation unit, configured to present a rent and revenue calculation interface, where the rent and revenue calculation interface includes options for selecting calculation methods of rent and interest rate of the leasing business, an option for selecting a leasing business product type, and a ledger information filling control. The calculation method selection option is configured to determine a corresponding calculation method of rent and interest rate of the leasing business according to a user's selection operation, the leasing business product type selection option is configured to determine a corresponding leasing business product type according to a user's selection operation, and the ledger information filling control is configured to determine first ledger information or second ledger information according to user input information.

[0092] Optionally, the device further includes:

[0093] A display unit, configured to display the rent schedule and revenue information;

[0094] When the calculation method is finance lease pricing calculation, the displayed rent schedule at least includes: rent payable, principal, interest, principal amount, number of periods, payment date, and period interest rate; when the calculation method is operating lease pricing calculation and the leasing business product is a general product or a shipping product, the displayed rent schedule at least includes: payment date of each period, number of periods, and rent amount; when the calculation method is operating lease pricing calculation and the leasing business product is an aviation product, the displayed rent schedule at least includes: payment date of each period, number of periods, rent amount excluding tax, rent amount including tax, and rent tax.

[0095] The embodiments of the present application further provide corresponding devices and computer storage media for implementing the solutions provided by the embodiments of the present application.

[0096] Among them, the device includes a memory and a processor. The memory is used to store instructions or code, and the processor is used to execute the instructions or code so that the device executes the method described in any embodiment of the present application.

[0097] Code is stored in the computer storage medium. When the code is run, the device running the code implements the method described in any embodiment of the present application.

[0098] In the embodiments of the present application, the "first", "second" (if any) in names such as "first" and "second" are only used as name identifiers and do not represent the first and second in order.

[0099] From the description of the above embodiments, those skilled in the art can clearly understand that all or part of the steps in the above embodiment methods can be implemented by means of software plus a general hardware platform. Based on such an understanding, the technical solution of the present application can be embodied in the form of a software product. The computer software product can be stored in a storage medium, such as read-only memory (ROM) / RAM, magnetic disk, optical disk, etc., and includes several instructions for causing a computer device (which can be a personal computer, a server, or a network communication device such as a router) to execute the methods described in each embodiment or some parts of the embodiments of the present application.

[0100] Each embodiment in this specification is described in a progressive manner. The same or similar parts between each embodiment can be referred to each other, and the key point of each embodiment is to illustrate the differences from other embodiments. In particular, for the device embodiment, since it is basically similar to the method embodiment, the description is relatively simple, and the relevant parts can be referred to the partial description of the method embodiment. One can choose some or all of the modules according to actual needs to achieve the purpose of the solution of this embodiment. Those of ordinary skill in the art can understand and implement it without creative work.

[0101] The above is only an exemplary embodiment of the present application and is not used to limit the protection scope of the present application.

Claims

1. A method for calculating rent and income of a leasing business, characterized in that: include: Determine the calculation method of the rent and interest rate of the leasing business, which is the pricing calculation of the financial lease or the pricing calculation of the operating lease; If the calculation method is a financial lease pricing calculation, the rent schedule and income information of the leasing business product are calculated according to the first account information of the leasing business product, wherein the first account information includes: rent payment method, interest rate adjustment information, investment information, rent payment plan, and financial and transaction terms information. The rent schedule is used to represent the rent payment arrangement during the lease period, and the income information is used to record the income, expenditure and yield of the leasing business product during the leasing process; If the calculation method is operating lease pricing calculation, the rental schedule and revenue information of the leasing business product are calculated based on the second ledger information of the leasing business product, and the second ledger information includes the basic information of the leasing business product, the rent payment method and the financial transaction terms information.

2. The method according to claim 1, characterized in that The leasing business product is an aviation product or a shipping product, the calculation method is a financial leasing pricing calculation, and the first ledger information also includes pre-lease information and tax information.

3. The method according to claim 1, characterized in that The leasing business product is an aviation product, the calculation method is an operating lease pricing calculation, and the second ledger information also includes: financing costs and loan payment information. The basic information at least includes the purchase price, rental value-added tax rate, rental value-added tax surcharge rate and tax refund ratio.

4. The method according to claim 1, characterized in that: The method comprises: A rent and income calculation interface is presented, which includes a calculation method selection option for the rent and interest rate of the leasing business, a leasing business product type selection option, and a ledger information filling control. The calculation method selection option is used to determine the calculation method of the rent and interest rate of the corresponding leasing business according to the user's selection operation, the leasing business product type selection option is used to determine the corresponding leasing business product type according to the user's selection operation, and the ledger information filling control is used to determine the first ledger information or the second ledger information according to the user input information.

5. The method according to claim 4, characterized in that The method further includes: displaying the rental schedule and revenue information; When the calculation method is financial lease pricing calculation, the displayed rental schedule includes at least: payable rent, principal, interest, principal amount, number of periods, payment date and period interest rate; when the calculation method is operating lease pricing calculation and the leasing business product is a general product or a shipping product, the displayed rental schedule includes at least: the payment date, number of periods and rental amount of each period; when the calculation method is operating lease pricing calculation and the leasing business product is an aviation product, the displayed rental schedule includes at least: the payment date, number of periods, rental amount excluding tax, rental amount including tax and rental tax of each period.

6. A rental and income calculation device for a leasing business, characterized in that: include: A determination unit, used to determine a calculation method for rent and interest rate of a leasing business, wherein the calculation method is a financing lease pricing calculation or an operating lease pricing calculation; A first calculation unit, for calculating a rent schedule and income information of the leasing business product according to first account information of the leasing business product if the calculation method is a financing lease pricing calculation, wherein the first account information includes: rent payment method, interest adjustment information, placement information, rent payment plan, and financial and transaction terms information, the rent schedule is used to represent the rent payment arrangement during the lease period, and the income information is used to record the income, expenditure, and yield of the leasing business product during the leasing process; The second calculation unit is used to calculate the rental schedule and income information of the leasing business product according to the second ledger information of the leasing business product if the calculation method is operating lease pricing calculation, and the second ledger information includes the basic information of the leasing business product, the rental payment method and the financial transaction terms information.

7. The device according to claim 6, characterized in that The leasing business product is an aviation product or a shipping product, the calculation method is a financial leasing pricing calculation, and the first ledger information also includes pre-lease information and tax information.

8. The device according to claim 6, characterized in that The leasing business product is an aviation product, the calculation method is an operating lease pricing calculation, and the second ledger information also includes: financing costs and loan payment information. The basic information at least includes the purchase price, rental value-added tax rate, rental value-added tax surcharge rate and tax refund ratio.

9. The device according to claim 6, characterized in that The device also includes: A presentation unit is used to present a rent and income calculation interface, wherein the rent and income calculation interface includes a calculation method selection option for the rent and interest rate of the leasing business, a leasing business product type selection option, and a ledger information filling control. The calculation method selection option is used to determine the calculation method of the rent and interest rate of the corresponding leasing business according to the user's selection operation, the leasing business product type selection option is used to determine the corresponding leasing business product type according to the user's selection operation, and the ledger information filling control is used to determine the first ledger information or the second ledger information according to the user input information.

10. The device according to claim 9, characterized in that The device also includes: A display unit, used to display the rental schedule and revenue information; When the calculation method is financial lease pricing calculation, the displayed rental schedule includes at least: payable rent, principal, interest, principal amount, number of periods, payment date and period interest rate; when the calculation method is operating lease pricing calculation and the leasing business product is a general product or a shipping product, the displayed rental schedule includes at least: the payment date, number of periods and rental amount of each period; when the calculation method is operating lease pricing calculation and the leasing business product is an aviation product, the displayed rental schedule includes at least: the payment date, number of periods, rental amount excluding tax, rental amount including tax and rental tax of each period.

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