Reserve assessment amount forecasting method and device

Abstract

The present invention provides a method and device for predicting the reserve assessment amount, which obtains historical balance information under a deposit account; then determines the reserve assessment amount within the reserve period based on the historical balance information and the average balance information under each deposit account within a set period, thereby being able to predict the reserve assessment amount, greatly saving manpower and material resources.

Description

Technical Field

[0001] The present invention relates to the technical field of reserve fund assessment amount prediction, and more specifically, to a reserve fund assessment amount prediction method and device. Background Art

[0002] In the current systems of financial companies, some do not have an online deposit reserve management system and rely on offline manual calculation of data; some systems have implemented an online reserve management system, but only have realized the online production of reports required for deposit reserve assessment and calculation of the amount of reserves to be deposited, but have not realized the online deposit and withdrawal of deposit reserves, nor have they realized the automatic completion of deposit reserve accounting processing, nor have they had the function of predicting the reserve assessment amount. Summary of the invention

[0003] In order to solve at least one of the above problems, an embodiment of the present invention provides a method for predicting a reserve assessment amount, including:

[0004] Get the historical balance information under the deposit account;

[0005] The reserve assessment amount during the reserve period is determined based on the historical balance information and the average balance information under each deposit account during the set period.

[0006] In some embodiments, determining the reserve assessment amount during the reserve period according to the historical balance information and the average balance information of each deposit account during a set period includes:

[0007] Setting a preset ratio;

[0008] The reserve assessment amount during the reserve period is determined based on the preset ratio, the historical balance information, and the average balance information under each deposit account during a set period.

[0009] In some embodiments, the determining the reserve assessment amount within the reserve period according to the preset ratio, the historical balance information, and the average balance information under each deposit account within a set period includes:

[0010] The preset ratio and the historical balance information are input into a preset neural network model to obtain the reserve assessment amount during the preparation period; the neural network model is trained using the preset ratio and the historical balance information as a training set.

[0011] In some embodiments, it also includes:

[0012] Establishing the neural network model;

[0013] The neural network model is trained using the preset ratio and the historical balance information as a training set.

[0014] The present invention also provides a reserve assessment amount prediction device, comprising:

[0015] Acquisition module, to obtain historical balance information under the deposit account;

[0016] The prediction module determines the reserve assessment amount within the preparation period based on the historical balance information and the average balance information under each deposit account within a set period.

[0017] In some embodiments, the prediction module includes:

[0018] A ratio setting unit, for setting a preset ratio;

[0019] The prediction unit determines the reserve assessment amount within the preparation period according to the preset ratio, the historical balance information and the average balance information under each deposit account within a set period.

[0020] In some embodiments, the prediction module is specifically used to input the preset ratio and the historical balance information into a preset neural network model to obtain the reserve assessment amount during the preparation period; the neural network model is trained using the preset ratio and the historical balance information as a training set.

[0021] In some embodiments, it also includes:

[0022] A model building module, building the neural network model;

[0023] A training module is used to train the neural network model by using the preset ratio and the historical balance information as a training set.

[0024] The present invention also provides a deposit reserve management system, comprising:

[0025] Basic parameter module, setting basic parameters of deposit reserve system;

[0026] Assessment period module, generating deposit reserve assessment period;

[0027] Maintenance module, maintaining deposit reserve ratio;

[0028] End-of-ten-day balance sheet approval module, to approve the end-of-ten-day balance sheet;

[0029] Month-end daily meter approval module, to approve the month-end daily meter;

[0030] Report registration module, register report submission results;

[0031] Deposit reserve assessment period approval module, to approve changes in the deposit reserve assessment period;

[0032] Automatic accounting module, automatically records the payment and withdrawal of deposit reserves.

[0033] The present invention also provides a computer device, comprising a memory, a processor, and a computer program stored in the memory and executable on the processor, wherein the processor implements the steps of the above method when executing the program.

[0034] The present invention also provides a computer-readable storage medium on which a computer program is stored. When the computer program is executed by a processor, the steps of the method described above are implemented.

[0035] The present invention has the following beneficial effects:

[0036] The present invention provides a method and device for predicting the reserve assessment amount, which obtains historical balance information under a deposit account; then determines the reserve assessment amount within the reserve period based on the historical balance information and the average balance information under each deposit account within a set period, thereby being able to predict the reserve assessment amount, greatly saving manpower and material resources. BRIEF DESCRIPTION OF THE DRAWINGS

[0037] In order to more clearly illustrate the embodiments of the present invention or the technical solutions in the prior art, the drawings required for use in the embodiments or the description of the prior art will be briefly introduced below. Obviously, the drawings described below are only some embodiments of the present invention. For ordinary technicians in this field, other drawings can be obtained based on these drawings without paying creative work.

[0038] Figure 1 A schematic flow chart of a method for predicting a reserve assessment amount provided by the present invention is shown.

[0039] Figure 2 A structural schematic diagram of a reserve assessment amount prediction device provided by the present invention is shown.

[0040] Figure 3 A schematic diagram of a storage reserve system process provided by the present invention is shown.

[0041] Figure 4 A schematic diagram showing the structure of a computer device suitable for implementing an embodiment of the present invention is shown. DETAILED DESCRIPTION

[0042] The following will be combined with the drawings in the embodiments of the present invention to clearly and completely describe the technical solutions in the embodiments of the present invention. Obviously, the described embodiments are only part of the embodiments of the present invention, not all of the embodiments. Based on the embodiments of the present invention, all other embodiments obtained by ordinary technicians in this field without creative work are within the scope of protection of the present invention.

[0043] In the current systems of financial companies, some do not have an online deposit reserve management system and rely on offline manual calculation of data; some systems have implemented an online reserve management system, but only have realized the online production of reports required for deposit reserve assessment and calculation of the amount of reserves to be deposited, but have not realized the online deposit and withdrawal of deposit reserves, nor have they realized the automatic completion of deposit reserve accounting processing, nor have they had the function of predicting the reserve assessment amount.

[0044] In order to solve at least one of the above problems, an embodiment of the present invention provides a method for predicting the reserve assessment amount, such as Figure 1 As shown, including:

[0045] S1: Get the historical balance information under the deposit account;

[0046] S2: Determine the reserve assessment amount within the reserve period based on the historical balance information and the average balance information under each deposit account within the set period.

[0047] The present invention provides a method for predicting the reserve assessment amount, which obtains historical balance information under a deposit account; then determines the reserve assessment amount within the reserve period based on the historical balance information and the average balance information under each deposit account within a set period, thereby being able to predict the reserve assessment amount, greatly saving manpower and material resources.

[0048] In some embodiments, determining the reserve assessment amount during the reserve period according to the historical balance information and the average balance information of each deposit account during a set period includes:

[0049] Setting a preset ratio;

[0050] The reserve assessment amount during the reserve period is determined based on the preset ratio, the historical balance information, and the average balance information under each deposit account during a set period.

[0051] At present, the management of deposit reserves of enterprise group finance companies needs to be improved, and there is a lack of a complete and convenient management system. In particular, small finance companies currently do not have a dedicated online deposit reserve system and are still in the primary stage of manual calculation based on financial data. Large and medium-sized finance companies have already used online deposit reserve systems, but there are still problems such as the inability to deposit and withdraw deposit reserves online, the lack of online process for report data display approval, the inability to automatically complete the account processing involved in deposit reserves, and the inability to predict the amount of the next reserve assessment.

[0052] Based on the above problems, a deposit reserve management system was designed, which can realize the automatic generation of all deposit reserve report data, the full online approval process of deposit reserve reports, deposit reserve parameter settings, online deposit and withdrawal of deposit reserves, deposit reserve accounting processing and the prediction function of the next deposit reserve assessment amount. It provides great convenience for the deposit reserve management of financial companies, and the supervision data is clear and easy to standardize the reserve management of financial companies.

[0053] For example, the next period reserve forecast function has the following specific system implementation rules:

[0054] 1) The system contains the historical balances of all deposit accounts of the financial company. In the next period reserve forecast interface, the average balance of each account in each assessment period of all accounts included in the reserve assessment in the previous three months (the first 9 assessment periods) is brought out by default. The system will automatically calculate the average balance of each account in the first 9 assessment periods.

[0055] 2) Based on the average balance of each account in the previous 9 assessment periods, the financial company user can set a weighted ratio for each account based on experience. The system calculates the average deposit balance of the next assessment period by weighted average according to the set ratio, and then calculates the next deposit reserve assessment amount by multiplying the average deposit balance by the deposit reserve ratio.

[0056] 3) If no weighted ratio is set for the account, the system will automatically calculate the assessment amount of the next deposit reserve based on the average balance of the previous 9 assessment periods.

[0057] 4) The predicted amount of reserve assessment for the next period. The predicted value will be displayed in the application for change of deposit reserve assessment period.

[0058] In some embodiments, the determining the reserve assessment amount within the reserve period according to the preset ratio, the historical balance information, and the average balance information under each deposit account within a set period includes:

[0059] The preset ratio and the historical balance information are input into a preset neural network model to obtain the reserve assessment amount during the preparation period; the neural network model is trained using the preset ratio and the historical balance information as a training set.

[0060] In this embodiment, deep learning can be used for prediction, which can be continuously optimized to achieve higher prediction accuracy.

[0061] In some embodiments, it also includes:

[0062] Establishing the neural network model;

[0063] The neural network model is trained using the preset ratio and the historical balance information as a training set.

[0064] Based on the same inventive concept, the present invention also provides a reserve assessment amount prediction device, such as Figure 2 As shown, including:

[0065] Acquisition module 1, obtains historical balance information under the deposit account;

[0066] Prediction module 2 determines the reserve assessment amount within the reserve period based on the historical balance information and the average balance information under each deposit account within a set period.

[0067] The present invention provides a reserve assessment amount prediction device, which obtains historical balance information under a deposit account; then determines the reserve assessment amount within the reserve period based on the historical balance information and the average balance information under each deposit account within a set period, thereby being able to predict the reserve assessment amount, greatly saving manpower and material resources.

[0068] Based on the same inventive concept, in some embodiments, the prediction module includes:

[0069] A ratio setting unit, for setting a preset ratio;

[0070] The prediction unit determines the reserve assessment amount within the preparation period according to the preset ratio, the historical balance information and the average balance information under each deposit account within a set period.

[0071] Based on the same inventive concept, in some embodiments, the prediction module is specifically used to input the preset ratio and the historical balance information into a preset neural network model to obtain the reserve assessment amount during the preparation period; the neural network model is trained using the preset ratio and the historical balance information as a training set.

[0072] Based on the same inventive concept, in some embodiments, it further includes:

[0073] A model building module, building the neural network model;

[0074] A training module is used to train the neural network model by using the preset ratio and the historical balance information as a training set.

[0075] Furthermore, the above prediction method of the present invention can be loaded into a storage reserve fund management system in the form of a plug-in. The storage reserve fund management system is described below.

[0076] The present invention also provides a deposit reserve management system, including: a basic parameter module, which sets the basic parameters of the deposit reserve system; an assessment period module, which generates a deposit reserve assessment period; a maintenance module, which maintains the deposit reserve ratio; a ten-day balance sheet approval module, which approves the ten-day balance sheet; a month-end daily accounting sheet approval module, which approves the month-end daily accounting sheet; a report registration module, which registers report submission results; a deposit reserve assessment period approval module, which approves changes in the deposit reserve assessment period; and an automatic accounting module, which automatically records and surrenders and withdraws deposit reserves.

[0077] Explanations of terminology of the present invention are shown below.

[0078] Deposit reserves refer to the deposits that financial institutions prepare at the central bank to ensure that customers can withdraw deposits and clear funds. The central bank requires financial institutions to pay deposit reserves in proportion to their total deposits.

[0079] During the assessment period, the People's Bank of China adopts the averaging method and divides each month into three assessment periods, which start on the 5th, 15th and 25th of each month. The end date of the assessment period defaults to the 14th, 24th and 4th of each month. In case of holidays, the end date will be the nearest previous working day. The start date of the next assessment period will be the day after the end date of the previous assessment period.

[0080]

[0081] The assessment amount is the average deposit balance corresponding to the assessment period multiplied by the deposit reserve ratio.

[0082] The ten-day balance table is divided into three decades each month, and a report is issued for each decade. The report reflects the daily account balances of all deposit items included in the deposit reserve assessment in the ten-day period and the arithmetic average balance within the ten-day period.

[0083] The average balance table is divided into three decades each month, and a report is issued for each decade. The report reflects the arithmetic average balance of all deposit items included in the deposit reserve assessment within the decade.

[0084] A report is produced every month, which shows the account balances at the end of the previous month, the cumulative amounts of the current month and the account balances at the end of the current month for all deposit items included in the deposit reserve assessment.

[0085] like Figure 3 As shown in the figure, the deposit reserve system function is introduced.

[0086] First, set the basic parameters of the deposit reserve system, including the information related to the financial company's reserve deposit account at the People's Bank of China (including account number, account name, bank, and payment address), the deposit reserve transfer account, the statutory deposit reserve account and excess deposit reserve account in the system, and the deposit items included in the assessment.

[0087] Automatic generation of deposit reserve assessment period. On the last day of each year, the system automatically generates all assessment period data for the following year based on the work calendar of the following year, with 3 items for the first, middle and last month, and a total of 36 items for a year. Deposit reserve assessment start date, deposit reserve assessment end date, and the latest operation day for this assessment period: The rules are as follows: Deposit reserve assessment start date: The initial default is the 5th, 15th and 25th of each month; Deposit reserve assessment end date: The initial default is the 14th, 24th and 4th of the next month. If it is a holiday, the system automatically defaults to the nearest previous working day, which cannot be modified. The start date of the next assessment period is the day after the end date of the previous assessment period; The latest operation day for this assessment period: The same as the deposit reserve assessment end date. Period number and period name: automatically generated by the system. The period number is “R+year+month+assessment period number”, where R stands for RMB, and the assessment period numbers 01, 02, and 03 represent the first half of the month, the middle half of the month, and the last half of the month respectively; the period name is the name of the deposit reserve assessment period where the deposit reserve assessment date falls, which is “first half / middle half / last half of the month of YYYY year MM month”.

[0088] Maintain the deposit reserve ratio. The system queries the historical deposit reserve ratio maintenance records by default. You can add or modify a record. The maintenance parameters include the deposit reserve ratio, effective date, currency, etc. When adding or modifying a record, you need to verify that the effective date of the record must be greater than the effective date of the most recent deposit reserve ratio record of the same currency.

[0089] Confirmation and approval of the ten-day end balance sheet.

[0090] On the first day after the end of each decade, the system automatically generates this report according to the assessment subjects set in the system data, showing the balance of each subject on each day of the decade and calculating the arithmetic mean of the decade (equal to the sum of the daily subject balances of the decade / number of days). After the operator confirms that the data is correct, it can be submitted. After submission, it will be approved according to the set workflow template. The end-of-decade balance sheet can be configured with multi-level approval according to business needs. If the approver has objections to the report data, he can reject the application, and the applicant can resubmit it after modification. After the end-of-decade balance sheet is confirmed and approved, the ten-day balance sheet and the average balance sheet can be printed. The confirmation of the end-of-decade balance sheet can only be completed after the end of the decade and before the start of the next assessment period. If it expires, it can no longer be operated.

[0091] The system synchronizes the account balances of the assessment subjects from the financial general ledger system every day for the generation of reserve fund reports.

[0092] Confirm and approve the daily time sheet at the end of the month.

[0093] The system automatically generates this report on the first day of each month according to the assessment subjects set in the system data, showing the balance data of each subject in the previous month, including the balance at the end of the previous period, the amount of this period, and the balance at the end of this period. Balance at the end of the previous period: The system automatically counts the debit / credit balance of each subject at the end of the previous month, which can be adjusted manually.

[0094] Amount of this period: The system automatically calculates the debit / credit amount of each account this month, which can be adjusted manually.

[0095] Balance at the end of this period: The system automatically counts the debit balance / credit balance of each account as of the end of the current month, which can be adjusted manually. After the operator confirms that the data is correct, it can be submitted. After submission, it will be approved according to the set workflow template. The end-of-ten-day balance table can be configured for multi-level approval according to business needs. If the approver has objections to the report data, he can reject the application, and the applicant can resubmit it after modification. After the end-of-month daily statement is approved, the end-of-month daily statement can be printed. The confirmation of the end-of-month daily statement can only be completed after the end of this month and before the start of the next assessment period. If it expires, it can no longer be operated. The system synchronizes the account balances of the assessment accounts from the financial general ledger system every day for the generation of reserve reports.

[0096] Report printing. The system enables online printing of the ten-day balance sheet, average balance sheet and end-of-month daily balance sheet. The printed report contains the information of the person who approved the report. The online printed report can be directly used for submission to the People's Bank of China without any other modification.

[0097] Registration of report submission results. After the business personnel have submitted the corresponding reports to the People's Bank of China, they can register the reports that have been submitted during the assessment period in the system, so that the business personnel in relevant positions can check and check whether the required reports have been submitted in accordance with regulatory requirements during each assessment period.

[0098] Application and approval for changes in deposit reserve assessment period (surrender or withdrawal).

[0099] Deposit reserve ratio during assessment period: drop-down box, value, <deposit reserve ratio>-1%, average <deposit reserve ratio>, default is average <deposit reserve ratio>.

[0100] Get the deposit reserve rate whose effective date is closest to the current date (less than or equal to) as set in the deposit reserve rate setting;

[0101] The effective date is the last day of the assessment period. The default value can only be the average <deposit reserve ratio>;

[0102] Click to query and calculate the relevant assessment data for the day based on the selected deposit reserve ratio. Initiate an application for assessment period change (surrender or withdrawal) based on the calculated data.

[0103] Period number and period name: The system confirms the assessment period based on the current date, and retrieves the period number and name corresponding to the assessment period, which cannot be modified.

[0104] Deposit reserve assessment day type: automatically generated by the system task, cannot be modified, the value is start date, period date, end date [the first day of each period is the start date, the last day is the end date, and the rest are period dates].

[0105] Deposit reserve assessment day: The default is the current day and cannot be edited.

[0106] Assessment base: read the base in the average balance table during the assessment period and cannot be edited.

[0107] Deposit reserve assessment amount: that is, the statutory deposit reserve, calculated by the following formula:

[0108] When the assessment date = [assessment period start date, assessment period end date), the assessment reserve ratio can be selected as <legal reserve ratio - 1%> or <legal reserve ratio>, and the deposit reserve assessment amount = (arithmetic mean of the balance of general deposit accounts within the corresponding ten-day period) * assessment reserve ratio, where the assessment reserve ratio = <legal reserve ratio - 1%> or <legal reserve ratio>.

[0109] When the assessment date = the end date of the assessment period, the assessment reserve ratio can only be <Legal Reserve Ratio>, and the deposit reserve assessment amount = (arithmetic average of the balance of general deposit items within the corresponding ten-day period) * Legal Reserve Ratio * Assessment Days (including the assessment day) - Total reserve account balance during the assessment period (excluding the assessment day)

[0110] When the interest rate of the statutory deposit reserve ratio changes during the assessment period, the deposit reserve assessment amount is: the statutory deposit reserve, calculated using the formula:

[0111] When the effective date of the change in the statutory reserve ratio = the start date of the assessment period, and there is no second interest rate change during the entire assessment period, the algorithm is the same as above;

[0112] When the effective date of the change in the statutory reserve ratio = (the start date of the assessment period, the end date of the assessment period), and the assessment date = [the start date of the assessment period, the end date of the assessment period), the assessment reserve ratio before (excluding) the effective date of the change can be selected as <statutory reserve ratio - 1%> or <statutory reserve ratio>, and the assessment reserve ratio after (including) the effective date of the change can be selected as <changed statutory reserve ratio - 1%> or <changed statutory reserve ratio>, and the deposit reserve assessment amount = (arithmetic average of the balance of general deposit items within the corresponding ten-day period) * assessment reserve ratio

[0113] Before (excluding) the effective date of the change, the assessment reserve ratio = <legal reserve ratio - 1%> or <legal reserve ratio>;

[0114] After the effective date of the change (inclusive), the assessment reserve ratio is equal to <the legal reserve ratio changed - 1%> or <the legal reserve ratio changed>

[0115] When the effective date of the change in the statutory reserve ratio = (the start date of the assessment period, the end date of the assessment period), and the assessment date = the end date of the assessment period, the assessment reserve ratio can only be <Change in statutory reserve ratio>: Deposit reserve assessment amount = (arithmetic average of the balance of general deposit accounts within the corresponding ten-day period) * statutory reserve ratio * (effective date of change - start date of the assessment period) + (arithmetic average of the balance of general deposit accounts within the corresponding ten-day period) * change in statutory reserve ratio * (end date of the assessment period - effective date of change + 1) - total balance of reserve accounts during the assessment period (excluding the assessment day)

[0116] When the effective date of the change in the statutory reserve ratio = the end date of the assessment period, and the assessment date = [the start date of the assessment period, the end date of the assessment period), the assessment reserve ratio can be <statutory reserve ratio - 1%> or <statutory reserve ratio>, and the deposit reserve assessment amount = (arithmetic mean of the balance of general deposit items within the corresponding ten-day period) * assessment reserve ratio, and the assessment reserve ratio = <statutory reserve ratio - 1%> or <statutory reserve ratio>

[0117] When the effective date of the change in the statutory reserve ratio = the assessment date = the end date of the assessment period, the deposit reserve assessment amount = (arithmetic average of the balance of general deposit items in the corresponding ten-day period) * statutory reserve ratio * (end date of the assessment period - start date of the assessment period) + (arithmetic average of the balance of general deposit items in the corresponding ten-day period) * change in statutory reserve ratio * 1 - total reserve account balance during the assessment period (excluding the assessment date)

[0118] Current balance of deposit reserve: By default, the latest statistical data updated in real time by the system is displayed. Current balance of deposit reserve = current balance of deposit reserve account + current balance of excess deposit reserve account. (If there is no excess reserve account in the internal account, just delete it)

[0119] Amount to be transferred: Displays the latest statistical results of the system. Amount to be transferred = Deposit reserve assessment amount - current balance of deposit reserve; when the amount available for transfer > 0, deposit reserve needs to be paid; when the amount available for transfer = 0, no processing is required; when the amount available for transfer < 0, the deposit reserve can be withdrawn;

[0120] Operation type: drop-down box, value: Surrender, Retrieve, Do Not Process. When the amount to be transferred is positive, the default option is "Surrender", and only "Retrieve" and "Do Not Process" can be selected. When the amount to be transferred is negative, the drop-down box can select "Surrender", "Retrieve" and "Do Not Process", and the default display is "Retrieve". When the amount to be transferred is 0, the drop-down box can select "Surrender" and "Do Not Process", and the default display is "Do Not Process".

[0121] Fund transfer order: Read-only. According to the actual situation, three types of information are displayed: not generated, linked to the fund transfer order serial number, and no link mark. When the operation type is "submit" or "retrieve", the fund transfer order has two situations: not generated and linked to the fund transfer order serial number. If there is no fund transfer order, the "not generated" link is displayed. Click the link to enter the page of submitting the fund transfer order / retrieving the fund transfer order to submit the fund transfer; if the fund transfer order has been generated, the fund transfer order serial number is displayed. There is an [Discard] icon button next to the fund transfer order serial number. The user can choose to discard it. When discarding, the system prompts, "Are you sure you want to discard the XXX fund transfer order?"; After the fund transfer order is discarded, it can be re-initiated; click the link to enter the page of submitting the fund transfer order / retrieving the fund transfer order. The page is read-only and cannot be edited, just like the page of the fund transfer order. When the operation type is "Do not process", there is no link mark for the fund transfer order.

[0122] Actual Transfer Amount: The system automatically displays the actual amount and cannot be modified. If there is no fund transfer order, the default display is 0.00; if a fund transfer order has been generated, the application deposit amount or application withdrawal amount in the fund transfer order will be displayed;

[0123] Reports submitted to the People's Bank of China: Displays relevant reports generated for the current period. You can click the link to export the report for viewing.

[0124] After checking the generated assessment period change application record, you can submit it. The approval level of the application can be configured according to the business approval requirements. If the approver has any objection to the application information, the application can be rejected. The applicant can resubmit it for approval after modification. After approval, the deposit reserve can be paid online through the bank-enterprise direct connection interface according to the fund transfer order. The withdrawal of deposit reserves can be done online, and the results can be registered online.

[0125] The deposit reserve fund is automatically recorded in the account. After the deposit reserve fund is paid in or withdrawn, the system automatically completes the accounting process. The accounting rules are as follows:

[0126] When there is only a statutory deposit reserve account and no excess deposit reserve account

[0127] Debit: Legal deposit reserve account Credit: Deposit in interbank account

[0128] Retrieve. After the deposit reserve retrieval processing date is registered in the system and saved successfully, it will be automatically recorded.

[0129] Debit: interbank deposit account Credit: legal deposit reserve account

[0130] When there is both a statutory deposit reserve account and an excess deposit reserve account

[0131] After the status of the fund transfer instruction returns successfully, it will be recorded in the account.

[0132] Deposit reserve amount on the assessment date - legal deposit reserve account < amount to be paid

[0133] Debit: Legal deposit reserve account Debit: Excess deposit reserve account

[0134] Credit: Deposit in interbank account Credit: Legal deposit reserve account

[0135] Deposit reserve amount on the assessment date - legal deposit reserve account = amount to be paid

[0136] Debit: Legal deposit reserve account Credit: Deposit in interbank account

[0137] Deposit reserve amount on the assessment date - legal deposit reserve account > amount paid

[0138] Debit: Legal deposit reserve account Debit: Legal deposit reserve account

[0139] Credit: Deposit in interbank account Credit: Excess deposit reserve account

[0140] Retrieve. After the deposit reserve retrieval processing date is registered in the system and saved successfully, the account will be recorded.

[0141] Legal deposit reserve account-deposit reserve amount on the assessment date < withdrawal amount

[0142] Debit: interbank deposit account Debit: legal deposit reserve account

[0143] Credit: Legal deposit reserve account Credit: Excess deposit reserve account

[0144] Legal deposit reserve account - deposit reserve amount on the assessment date = withdrawal amount

[0145] Debit: interbank deposit account Credit: legal deposit reserve account

[0146] Legal deposit reserve account-deposit reserve amount on the assessment date > withdrawn amount

[0147] Debit: Interbank deposit account Debit: Excess deposit reserve account

[0148] Credit: Legal deposit reserve account Credit: Legal deposit reserve account

[0149] It can be seen that the above system 1. realizes the online automatic payment of deposit reserves without offline operation. 2. realizes the automatic accounting of the payment and withdrawal of deposit reserves, and the account changes caused by the payment and withdrawal do not need to be manually recorded. 3. realizes the online integration of the generation and approval of deposit reserve statements, and the system calculates the report data and assessment amount data required for deposit reserves in real time. 4. realizes the online registration and reporting result function after the reserve statement is submitted to the People's Bank of China, which is convenient for operators to view and check the submission status. 5. realizes the function of predicting the assessment amount of the next reserve.

[0150] The systems, devices, modules or units described in the above embodiments may be implemented by computer chips or entities, or by products with certain functions. A typical implementation device is a computer device, and specifically, the computer device may be, for example, a personal computer, a laptop computer, a cellular phone, a camera phone, a smart phone, a personal digital assistant, a media player, a navigation device, an email device, a game console, a tablet computer, a wearable device, or a combination of any of these devices.

[0151] In a typical example, the computer device specifically includes a memory, a processor, and a computer program stored in the memory and executable on the processor. When the processor executes the program, the method executed by the client as described above is implemented; or, when the processor executes the program, the method executed by the server as described above is implemented.

[0152] Reference below Figure 4 , which shows a schematic diagram of the structure of a computer device 600 suitable for implementing an embodiment of the present invention.

[0153] like Figure 4 As shown, the computer device includes a central processing unit (CPU) 601, which can perform various appropriate operations and processes according to a program stored in a read-only memory (ROM) 602 or a program loaded from a storage part 608 to a random access memory (RAM) 603. In the RAM 603, various programs and data required for system operation are also stored. The CPU 601, the ROM 602, and the RAM 603 are connected to each other via a bus 604. An input / output (I / O) interface 605 is also connected to the bus 604.

[0154] The following components are connected to the I / O interface 605: an input section 606 including a keyboard, a mouse, etc.; an output section 607 including a cathode ray tube (CRT), a liquid crystal display (LCD), etc., and a speaker, etc.; a storage section 608 including a hard disk, etc.; and a communication section 609 including a network interface card such as a LAN card, a modem, etc. The communication section 609 performs communication processing via a network such as the Internet. A drive 610 is also connected to the I / O interface 605 as needed. A removable medium 611, such as a magnetic disk, an optical disk, a magneto-optical disk, a semiconductor memory, etc., is installed on the drive 610 as needed, so that a computer program read therefrom is installed as needed as the storage section 608.

[0155] In particular, according to an embodiment of the present invention, the process described above with reference to the flowchart can be implemented as a computer software program. For example, an embodiment of the present invention includes a computer program product, which includes a computer program tangibly contained on a machine-readable medium, and the computer program includes program code for executing the method shown in the flowchart. In such an embodiment, the computer program can be downloaded and installed from a network through the communication part 609, and / or installed from the removable medium 611.

[0156] Computer readable media include permanent and non-permanent, removable and non-removable media that can be implemented by any method or technology to store information. Information can be computer readable instructions, data structures, modules or other data. Examples of computer storage media include, but are not limited to, phase change memory (PRAM), static random access memory (SRAM), dynamic random access memory (DRAM), other types of random access memory (RAM), read-only memory (ROM), electrically erasable programmable read-only memory (EEPROM), flash memory or other memory technology, compact disk read-only memory (CD-ROM), digital versatile disk (DVD) or other optical storage, magnetic cassettes, magnetic tape magnetic disk storage or other magnetic storage devices or any other non-transmission media that can be used to store information that can be accessed by a computing device. As defined herein, computer readable media does not include temporary computer readable media (transitory media), such as modulated data signals and carrier waves.

[0157] For the convenience of description, the above device is described as being divided into various units according to their functions. Of course, when implementing the present invention, the functions of each unit can be implemented in the same or multiple software and / or hardware.

[0158] The present invention is described with reference to flowcharts and / or block diagrams of methods, devices (systems), and computer program products according to embodiments of the present invention. It should be understood that each process and / or block in the flowchart and / or block diagram, as well as the combination of processes and / or blocks in the flowchart and / or block diagram, can be implemented by computer program instructions. These computer program instructions can be provided to a processor of a general-purpose computer, a special-purpose computer, an embedded processor, or other programmable data processing device to produce a machine, so that the instructions executed by the processor of the computer or other programmable data processing device generate instructions for implementing the processes in the flowchart and / or block diagram. Figure 1 A process or multiple processes and / or boxes Figure 1 A device that provides the functions specified in a block or multiple blocks.

[0159] These computer program instructions may also be stored in a computer-readable memory capable of directing a computer or other programmable data processing device to operate in a specific manner, so that the instructions stored in the computer-readable memory produce an article of manufacture comprising an instruction device, which implements the process Figure 1 A process or multiple processes and / or boxes Figure 1 A function specified in one or more boxes.

[0160] These computer program instructions can also be loaded onto a computer or other programmable data processing device so that a series of operating steps are executed on the computer or other programmable device to produce a computer-implemented process, thereby providing instructions for implementing the process. Figure 1 A process or multiple processes and / or boxes Figure 1 The steps for the functions specified in one or more boxes.

[0161] It should also be noted that the terms "include", "comprises" or any other variations thereof are intended to cover non-exclusive inclusion, so that a process, method, commodity or device including a series of elements includes not only those elements, but also other elements not explicitly listed, or also includes elements inherent to such process, method, commodity or device. In the absence of more restrictions, the elements defined by the sentence "comprises a ..." do not exclude the existence of other identical elements in the process, method, commodity or device including the elements.

[0162] It will be appreciated by those skilled in the art that embodiments of the present invention may be provided as methods, systems or computer program products. Therefore, the present invention may take the form of a complete hardware embodiment, a complete software embodiment or an embodiment combining software and hardware. Moreover, the present invention may take the form of a computer program product implemented on one or more computer-usable storage media (including but not limited to disk storage, CD-ROM, optical storage, etc.) containing computer-usable program codes.

[0163] The present invention may be described in the general context of computer-executable instructions executed by a computer, such as program modules. Generally, program modules include routines, programs, objects, components, data structures, etc. that perform specific tasks or implement specific abstract data types. The present invention may also be practiced in distributed computing environments where tasks are performed by remote processing devices connected through a communication network. In a distributed computing environment, program modules may be located in local and remote computer storage media, including storage devices.

[0164] Each embodiment in this specification is described in a progressive manner, and the same or similar parts between the embodiments can be referred to each other, and each embodiment focuses on the differences from other embodiments. In particular, for the system 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.

[0165] The above description is only an embodiment of the present invention and is not intended to limit the present invention. For those skilled in the art, the present invention may have various modifications and variations. Any modification, equivalent substitution, improvement, etc. made within the spirit and principle of the present invention should be included in the scope of the claims of the present invention.

Claims

1. A method for predicting the reserve assessment amount, characterized in that: include: Get the historical balance information under the deposit account; Determine the reserve assessment amount within the reserve period based on the historical balance information and the average balance information under each deposit account within the set period; Automatic deposit reserve accounting is realized based on the deposit reserve system, including: Set basic parameters of the deposit reserve system; The deposit reserve assessment period is automatically generated; Maintaining the reserve requirement ratio; Confirmation and approval of the balance sheet at the end of the ten-day period; Month-end daily meter confirmation and approval; If there is no need to adjust the deposit reserve, print the report; Report submission result registration; If the deposit reserve needs to be adjusted, an application for change of the deposit reserve assessment period and approval will be initiated; After checking the generated assessment period change application record, you can submit it; The surrender and withdrawal of deposit reserves are automatically recorded.

2. The method for predicting the reserve assessment amount according to claim 1, characterized in that: The reserve assessment amount during the reserve period is determined based on the historical balance information and the average balance information of each deposit account during the set period, including: Setting a preset ratio; The reserve assessment amount during the reserve period is determined based on the preset ratio, the historical balance information, and the average balance information under each deposit account during a set period.

3. The method for predicting the reserve assessment amount according to claim 2, characterized in that: The step of determining the reserve assessment amount within the reserve period according to the preset ratio, the historical balance information, and the average balance information of each deposit account within a set period includes: The preset ratio and the historical balance information are input into a preset neural network model to obtain the reserve assessment amount during the preparation period; the neural network model is trained using the preset ratio and the historical balance information as a training set.

4. The method for predicting the reserve assessment amount according to claim 3, characterized in that: Also includes: Establishing the neural network model; The neural network model is trained using the preset ratio and the historical balance information as a training set.

5. A reserve assessment amount prediction device, characterized in that: include: Acquisition module, to obtain historical balance information under the deposit account; A prediction module determines the reserve assessment amount within the reserve period based on the historical balance information and the average balance information of each deposit account within a set period; Automatic deposit reserve accounting is realized based on the deposit reserve system, including: Set basic parameters of the deposit reserve system; The deposit reserve assessment period is automatically generated; Maintaining the reserve requirement ratio; Confirmation and approval of the balance sheet at the end of the ten-day period; Month-end daily meter confirmation and approval; If there is no need to adjust the deposit reserve, print the report; Report submission result registration; If the deposit reserve needs to be adjusted, an application for change of the deposit reserve assessment period and approval will be initiated; After checking the generated assessment period change application record, you can submit it; The surrender and withdrawal of deposit reserves are automatically recorded.

6. The reserve assessment amount prediction device according to claim 5, characterized in that: Prediction module, including: A ratio setting unit, for setting a preset ratio; The prediction unit determines the reserve assessment amount within the preparation period according to the preset ratio, the historical balance information and the average balance information under each deposit account within a set period.

7. The reserve assessment amount prediction device according to claim 6, characterized in that: The prediction module is specifically used to input the preset ratio and the historical balance information into a preset neural network model to obtain the reserve assessment amount during the preparation period; the neural network model is trained using the preset ratio and the historical balance information as a training set.

8. The reserve assessment amount prediction device according to claim 7, characterized in that: Also includes: A model building module, building the neural network model; A training module is used to train the neural network model by using the preset ratio and the historical balance information as a training set.

9. A computer device comprising a memory, a processor and a computer program stored in the memory and executable on the processor, characterized in that: When the processor executes the program, the method according to any one of claims 1 to 4 is implemented.

10. A computer-readable storage medium having a computer program stored thereon, characterized in that: When the computer program is executed by a processor, the method according to any one of claims 1 to 4 is implemented.

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