Funds management method, system, electronic device and storage medium

Abstract

The present application provides a fund control method, system, electronic device and storage medium, which are used for the fund control system to control the fund issuer, and the fund users including the first-level fund users and the second-level fund users, wherein the first-level fund users are the superiors of the second-level fund users, including: binding the fund issuer, the first-level fund users and the second-level fund users so that the direction of fund flow is from the fund issuer to the first-level fund users, and then to the second-level fund users, wherein the first-level fund users and the second-level fund users are in a superior-subordinate relationship; planning, applying for and approving funds. The fund control method provided by the present application can realize accurate control of funds, reasonable allocation, and timely adjustment and allocation of quotas.

Description

Technical Field

[0001] The present application relates to the field of financial management, and specifically, to a fund management method, system, electronic device, and computer-readable storage medium. Background Art

[0002] Among financial activities, loan business is an important branch. With the increasingly stringent policies of regulatory agencies, it is particularly important to plan, apply for and approve the amount of loan funds. Most existing financial institutions use simple management systems to conduct rough management of loan business.

[0003] In the existing technical solutions, only basic issuance and allocation of funds can be achieved, and adjustments cannot be made to specific fund consumption or shortage situations. In addition, manual adjustments and interventions are often required when adjusting the issuance and allocation of funds, resulting in low processing efficiency. Summary of the invention

[0004] The purpose of the embodiments of the present application is to provide a fund management method to solve the technical problems of being unable to make adjustments according to specific fund consumption or shortage situations and having low processing efficiency.

[0005] In order to achieve the above purpose, the technical solutions provided in the embodiments of the present application are as follows:

[0006] In a first aspect, an embodiment of the present application provides a fund management method.

[0007] The embodiment of the first aspect of the present application provides a fund control method, which is applied to a fund control system, and the fund control system includes a fund issuer, and fund users including a first-level fund user and a second-level fund user. Wherein, the first-level fund user is the superior of the second-level fund user, and the method includes: binding the fund issuer, the first-level fund user, and the second-level fund user so that the direction of fund flow is from the fund issuer to the first-level fund user, and then to the second-level fund user, wherein the first-level fund user and the second-level fund user are in a superior-subordinate relationship; planning, applying for and approving funds; the fund issuer plans the fund issuance quota; the fund user applies for the fund usage quota; and according to the fund issuance quota, applying for and approving the fund usage quota.

[0008] In this embodiment, the fund control system mainly controls the fund flow and allocation of the fund issuer, the primary fund user and the secondary fund user. The primary fund user and the secondary fund user form a superior-subordinate relationship, and each primary fund user has several secondary fund users as its subordinates. The fund control method first binds the fund issuer, the primary fund user, and the secondary fund user. After the relationship binding, the flow direction of the funds is also determined. The funds flow from the fund issuer to the primary fund user, and then from the primary fund user to its subordinate secondary fund user. The fund control method will control the fund issuer to plan the amount of fund issuance in advance, and then the fund user will apply for the amount of funds that can be used by itself. Then the method will approve the application for the amount of funds issued by the fund user according to the amount of funds issued. This technical solution can realize the relationship binding and amount determination between the nodes involved in the fund control, so that the planning, application and approval of the amount of funds can be accurately executed to each fund issuer and secondary fund user outlet, forming a stable fund flow.

[0009] Furthermore, the application for the fund usage quota by the fund user includes: the secondary fund users applying for their respective fund usage quotas; and the primary fund user aggregating the quota requirements of the secondary fund users at its superior level and then making a unified application.

[0010] In this embodiment, there are two ways for fund users to apply for fund usage quotas. The first is that the second-level fund users can apply for them by themselves, that is, each second-level fund user applies for its own fund usage quota separately; the second is that the first-level fund user executes the quota application. The first-level fund user first summarizes and counts the quota requirements of the second-level fund users under each level, and then the first-level fund user uniformly applies for the fund usage quota for the second-level fund users under its level. This technical solution can realize diversified fund usage quota application methods and can cope with more complex fund usage quota application scenarios.

[0011] Furthermore, the method also includes: updating the fund consumption and backfill of the fund issuer and the fund user; wherein, the updating of the fund consumption and backfill of the fund issuer and the fund user includes: updating the fund issuance quota of the fund issuer according to the loan situation, and updating the remaining amount of the fund usage quota of the first-level fund user and the second-level fund user; updating the fund issuance quota of the fund issuer according to the repayment situation, and updating the remaining amount of the fund usage quota of the first-level fund user and the second-level fund user; and updating the fund issuance quota of the fund issuer and the remaining amount of the fund usage quota of the first-level fund user and the second-level fund user according to the policy cancellation situation.

[0012] In this embodiment, the actual business changes are relatively complex. There are generally three factors that affect the change of the fund amount in the business. The first is loan issuance. When the user receives the loan, the remaining amount of funds will decrease, and the remaining amount of the fund usage quota of the corresponding second-level fund user will decrease accordingly, and the remaining amount of the fund usage quota of the first-level fund user above the second-level fund user will also decrease accordingly, and the remaining amount of the fund issuer bound to the second-level fund user will decrease accordingly. The second is repayment. When the user repays, the remaining amount of funds will increase, and the remaining amount of the fund usage quota of the corresponding repayment second-level fund user will increase accordingly, and the remaining amount of the fund usage quota of the first-level fund user above the second-level fund user will also increase accordingly, and the remaining amount of the fund issuer bound to the second-level fund user will increase accordingly. The third is policy cancellation. When a policy is generated, policy cancellation will cause the order to be withdrawn, and the deducted funds usage quota will be returned, so that the remaining amount of funds will increase. The remaining amount of the corresponding repayment secondary fund user's funds usage quota will increase accordingly, and the remaining amount of the funds usage quota of the superior primary fund user of the secondary fund user will also increase accordingly, and the remaining amount of the fund issuer bound to the secondary fund user will increase accordingly. This technical solution can realize the real-time update of the remaining amount of funds according to the changes in actual business.

[0013] Furthermore, the method also includes: allocating the fund quotas of the fund issuers, first-level fund users, and second-level fund users; wherein, the allocating the fund quotas of the fund issuers, first-level fund users, and second-level fund users includes: if the remaining amount in the fund usage quota of a certain second-level fund user is insufficient, updating the fund issuance quota of the fund issuer bound to the second-level fund user; or querying other second-level fund users that belong to the common first-level fund user of the certain second-level fund user, wherein the other second-level fund users are bound to the same fund issuer as the certain second-level fund user, and judging whether the remaining amount in the fund usage quota of the other second-level fund users is sufficient, and if sufficient, allocating the fund usage quota of the certain second-level fund user by the other second-level fund users.

[0014] In this embodiment, when the remaining funds usage quota of a secondary fund user is insufficient, the problem can be solved by allocating funds. There are two ways to allocate funds. The first is to allocate directly by increasing the fund issuance quota of the fund issuer. When the remaining fund usage quota of a certain secondary fund user is insufficient, the fund issuance quota of the fund issuer bound to it is increased, and the increased amount is all used for the certain secondary fund user, so that the problem of insufficient remaining fund usage quota of the secondary fund user is solved; the second is to indirectly deal with the problem of insufficient remaining fund usage quota of a certain secondary fund user through mutual allocation between different secondary fund users. When the remaining fund usage quota of a certain secondary fund user is insufficient, the remaining fund usage quota of other secondary fund users belonging to the same primary fund user is queried. Here, the secondary fund user not only meets the requirement of being a subordinate of the same primary fund user as the certain secondary fund user, but also meets the requirement that the certain secondary fund user is bound to at least one of the same fund issuers. On this basis, if its remaining fund usage quota is sufficient, the other secondary fund users can allocate the quota to the certain secondary fund user. This technical solution can be used to respond to situations where the quota of a certain secondary fund user is insufficient, so that secondary fund user outlets with business needs are less likely to be unable to conduct business due to insufficient remaining quota.

[0015] Furthermore, the query is whether the remaining amount of the secondary fund user which is a subordinate of the same primary fund user as the certain secondary fund user and is bound to the same fund issuer as the certain secondary fund user is sufficient, and the remaining amount is the remaining usage amount of the queried secondary fund user corresponding to the fund issuer with which the queried secondary fund user has a common binding relationship.

[0016] In this embodiment, other secondary fund users who allocate quotas to the certain secondary fund user must not only meet the requirements of being subordinates of the same primary fund user as the certain secondary fund user and being bound to at least one of the same fund issuers as the certain fund user, but also the source of funds for allocation from other secondary fund users must be the same fund issuer. The quotas issued by the fund issuers of other secondary fund users that are not bound to the certain secondary fund user cannot be used as the source of funds to allocate to the certain secondary fund user.

[0017] Furthermore, the method further comprises: issuing a real-time warning on the remaining amount of funds including the remaining amount of funds issued by the fund issuer, the remaining amount of funds used by the first-level fund user and the second-level fund user; wherein the objects targeted by the real-time warning include the numerical value of the remaining amount of funds, and / or the percentage of the remaining amount of funds in the amount of funds; issuing a real-time warning on the remaining amount of funds including the remaining amount of funds issued by the fund issuer, the remaining amount of funds used by the first-level fund user and the second-level fund user comprises: setting a threshold value for the warning, including targeting A higher threshold and a lower threshold for the numerical value of the remaining funds, or a higher threshold and a lower threshold for the percentage of the remaining funds in the funds; the warning includes two levels, when the remaining funds reaches the higher threshold or the percentage of the remaining funds in the funds reaches the higher threshold, the first level warning is activated; and when the remaining funds reaches the lower threshold or the percentage of the remaining funds in the funds reaches the lower threshold, the second level warning is activated.

[0018] In this embodiment, real-time early warning for fund control refers to real-time early warning for the remaining amount of funds issued by the fund issuer, and the remaining amount of funds used by the first-level fund user and the second-level fund user. There are two objects monitored by real-time early warning, one is the value of the remaining amount of funds, and the other is the percentage of the remaining amount of funds in the amount of funds. One of the two monitoring objects can be selected for real-time early warning. When real-time early warning is performed on the object, it is first necessary to set the threshold of early warning. Usually, two thresholds need to be set, one of which is higher and the other is lower, that is, a higher threshold and a lower threshold for the value of the remaining amount of funds, or a higher threshold and a lower threshold for the percentage of the remaining amount of funds in the amount of funds. When the higher threshold is reached, the first level of early warning is activated, and when the lower threshold is reached, the second level of early warning is activated. This technical solution can realize real-time early warning of fund control and management, and realize more precise monitoring by grading the early warning level.

[0019] Furthermore, the method also includes: performing switch control on the fund control system, and the main switch of the switch can perform switch control on any secondary fund user, wherein the situations in which the switch control is triggered include: judging the start and start level of the warning, and when the second level warning is started, triggering switch control; judging whether the status of the fund issuer has changed, and the status change includes the change of the fund issuer's own status and the change of the fund issuer's amount, and when the status of the fund issuer changes, triggering switch control; judging whether the relationship binding status has changed, and when the relationship binding status has changed, triggering switch control.

[0020] In this embodiment, switch control is also introduced into the fund control system. The switch control has a main switch, which can control the switch of all secondary fund users. The triggering of switch control has certain conditions. One is that when the second level warning in the real-time warning is activated, the switch control will be triggered; the second is that when the status of the fund issuer changes, the switch control will be triggered. The change in the status of the fund issuer includes the change in the status of the fund issuer itself and the change in the fund amount of the fund issuer; the third is when the binding relationship changes, for example, the binding between a fund issuer and the secondary fund user with which it forms a binding relationship is released, the switch control will also be triggered. The embodiment of the present application can achieve the improvement of the response effect and efficiency of the fund control system when encountering special situations.

[0021] On the second aspect, an embodiment of the present application provides a fund management and control system, which is used to manage and control fund issuers and fund users including first-level fund users and second-level fund users, wherein the first-level fund users are the superiors of the second-level fund users, and is characterized in that the system includes: a binding module, which binds the fund issuers, first-level fund users, and second-level fund users so that the direction of fund flow is from the fund issuer to the first-level fund user, and then to the second-level fund user; a planning module, which is used by the fund issuer to plan the fund issuance amount; an application module, which is used by the fund user to apply for the fund usage amount; and an approval module, which is used to approve the application for the fund usage amount based on the fund issuance amount.

[0022] In the fund control system provided in this application, the fund control system mainly controls the fund flow and allocation of the fund issuer, the primary fund user and the secondary fund user. The primary fund user and the secondary fund user form a superior-subordinate relationship, and each primary fund user has several secondary fund users as its subordinates. The binding module of the fund control system first binds the fund issuer, the primary fund user, and the secondary fund user. After the relationship binding, the flow direction of the funds is also determined. The funds flow from the fund issuer to the primary fund user, and then from the primary fund user to its subordinate secondary fund user. The planning module of the fund control system will control the fund issuer to plan the amount of funds issued in advance, and then through the application module, the fund user applies for the amount of funds that can be used by itself, and then the approval module of the fund control system approves the application for the amount of funds issued by the fund user according to the amount of funds issued. The fund management and control system provided in this application can realize the relationship binding and quota determination between the nodes involved in fund management, so that the planning, application and approval of fund quotas can be accurately executed at each fund issuer and secondary fund user outlet, forming a stable fund flow.

[0023] Furthermore, the application module is used for the fund users to apply for the fund usage quota, including: the secondary fund users apply for their respective fund usage quotas; and the primary fund users summarize the quota requirements of the secondary fund users at their superior level and then make a unified application.

[0024] In this embodiment, there are two ways for the application module to execute the application of the fund user for the fund usage quota. The first is that the secondary fund user can apply for it by himself, that is, each secondary fund user applies for its own fund usage quota separately; the second is that the primary fund user executes the quota application. The primary fund user first summarizes and counts the quota requirements of the secondary fund users under each level, and then the primary fund user uniformly applies for the fund usage quota for the secondary fund users under its level. The fund management and control system provided by this application can realize diversified fund usage quota application methods through the application module, and can cope with more complex fund usage quota application scenarios.

[0025] Furthermore, the fund management and control system also includes: an update module, which is used to update the fund consumption and backfill of the fund issuer and the fund user; wherein, the updating of the fund consumption and backfill of the fund issuer and the fund user includes: updating the fund issuance quota of the fund issuer according to the loan situation, and updating the remaining amount of the fund usage quota of the first-level fund user and the second-level fund user; updating the fund issuance quota of the fund issuer according to the repayment situation, and updating the remaining amount of the fund usage quota of the first-level fund user and the second-level fund user; and updating the fund issuance quota of the fund issuer and the remaining amount of the fund usage quota of the first-level fund user and the second-level fund user according to the policy cancellation situation.

[0026] In this embodiment, the changes in actual business are more complicated. There are generally three factors that affect the change in the amount of funds in the business. The first is loan issuance. When a user receives a loan, the remaining amount of funds will decrease, and the remaining amount in the fund usage quota of the corresponding second-level fund user will decrease by a corresponding amount. The remaining amount in the fund usage quota of the first-level fund user who is the superior of the second-level fund user will also decrease by a corresponding amount, and the remaining amount of the fund issuer bound to the second-level fund user will decrease by a corresponding amount. The second is repayment. When a user repays, the remaining amount of funds will increase, and the remaining amount in the fund usage quota of the corresponding repaying second-level fund user will increase accordingly. The corresponding amount, the remaining amount in the fund usage quota of the superior first-level fund user of the secondary fund user also increases by a corresponding amount, and the remaining amount of the fund issuer bound to the secondary fund user increases accordingly; the third is policy cancellation. When the policy is generated, policy cancellation will cause the order to be withdrawn, and the deducted fund usage quota will also be returned, so that the remaining amount of funds increases, and the remaining amount in the fund usage quota of the corresponding repayment secondary fund user will increase accordingly, the remaining amount in the fund usage quota of the superior first-level fund user of the secondary fund user also increases by a corresponding amount, and the remaining amount of the fund issuer bound to the secondary fund user increases accordingly. The fund management and control system provided in this application can realize the real-time update of the remaining amount of funds according to the changes in actual business through the update module.

[0027] Furthermore, the fund management and control system also includes: an allocation module, which is used to allocate the fund quotas of the fund issuers, first-level fund users, and second-level fund users; wherein, the allocation of the fund quotas of the fund issuers, first-level fund users, and second-level fund users includes: if the remaining amount in the fund usage quota of a certain second-level fund user is insufficient, then updating the fund issuance quota of the fund issuer bound to the second-level fund user; or querying other second-level fund users that belong to the common first-level fund user of the certain second-level fund user, wherein the other second-level fund users are bound to the same fund issuer as the certain second-level fund user, and judging whether the remaining amount in the fund usage quota of the other second-level fund users is sufficient, and if sufficient, then allocating the fund usage quota of the certain second-level fund user by the other second-level fund users.

[0028] In this embodiment, when the remaining funds usage quota of a secondary fund user is insufficient, the problem can be solved through the allocation module. There are two working modes of allocation. The first is to allocate directly by increasing the fund issuance quota of the fund issuer. When the remaining fund usage quota of a certain secondary fund user is insufficient, the fund issuance quota of the fund issuer bound to it is increased, and the increased amount is all used for the said certain secondary fund user, so that the problem of insufficient remaining fund usage quota of the secondary fund user is solved; the second is to indirectly deal with the problem of insufficient remaining fund usage quota of a certain secondary fund user through mutual allocation between different secondary fund users. When the remaining fund usage quota of a certain secondary fund user is insufficient, the remaining fund usage quota of other secondary fund users belonging to the same primary fund user is queried. Here, the secondary fund user not only meets the requirement of being a subordinate of the same primary fund user as the said certain secondary fund user, but also meets the requirement that the said certain secondary fund user is bound to at least one of the same fund issuers. On this basis, if its remaining fund usage quota is sufficient, the quota can be allocated to the said certain secondary fund user by the other secondary fund users. The allocation module of the funds management and control system provided in this application can realize the response when the quota of a secondary fund user is insufficient, so that the secondary fund user outlets with business needs are less likely to be unable to carry out business due to insufficient remaining quota.

[0029] Furthermore, when the allocation module is operating, the query is made as to whether the remaining amount of the secondary fund user which is a subordinate of the same primary fund user as the certain secondary fund user and is bound to the same fund issuer as the certain secondary fund user is sufficient. The remaining amount is the remaining usage amount of the queried secondary fund user corresponding to the fund issuer with which the queried secondary fund user has a common binding relationship.

[0030] In this embodiment, other secondary fund users to whom the allocation module allocates quotas to the certain secondary fund user must, in addition to being subordinates of the same primary fund user as the certain secondary fund user and being bound to at least one of the same fund issuers as the certain fund user, also have their quotas allocated from other secondary fund users sourced from the same fund issuer. The quotas issued by the fund issuers of other secondary fund users that are not bound to the certain secondary fund user cannot be used as a source of quotas to allocate to the certain secondary fund user.

[0031] Furthermore, the fund management and control system further comprises: an early warning module, which is used to issue a real-time early warning of the remaining amount of funds including the remaining amount of funds issued by the fund issuer, the remaining amount of funds used by the first-level fund user and the second-level fund user; wherein the objects targeted by the real-time early warning include the value of the remaining amount of funds, and / or the percentage of the remaining amount of funds in the remaining amount of funds; the real-time early warning of the remaining amount of funds including the remaining amount of funds issued by the fund issuer, the remaining amount of funds used by the first-level fund user and the second-level fund user comprises: setting a threshold value for the early warning; The value comprises a higher threshold and a lower threshold for the numerical value of the remaining funds amount, or a higher threshold and a lower threshold for the percentage of the remaining funds amount in the funds amount; the warning comprises two levels, a first level warning is initiated when the remaining funds amount reaches the higher threshold or the percentage of the remaining funds amount in the funds amount reaches the higher threshold, and a second level warning is initiated when the remaining funds amount reaches the lower threshold or the percentage of the remaining funds amount in the funds amount reaches the lower threshold.

[0032] In this embodiment, the early warning module performs real-time early warning on fund control, which refers to the real-time early warning of the remaining amount of funds issued by the fund issuer, and the remaining amount of funds used by the first-level fund user and the second-level fund user. There are two objects monitored by the real-time early warning, one is the value of the remaining amount of funds, and the other is the percentage of the remaining amount of funds in the amount of funds. The above two monitoring objects can be selected for real-time early warning. When the object is given a real-time early warning, it is first necessary to set the threshold of the early warning. Usually, two thresholds need to be set, one of which is higher and the other is lower, that is, a higher threshold and a lower threshold for the value of the remaining amount of funds, or a higher threshold and a lower threshold for the percentage of the remaining amount of funds in the amount of funds. When the higher threshold is reached, the first level of early warning is activated, and when the lower threshold is reached, the second level of early warning is activated. The early warning module of the fund control system provided by the present application can realize the real-time early warning of fund control and control, and realize more precise monitoring by grading the early warning level.

[0033] Furthermore, the fund control system also includes: a switch control module, which is used to perform switch control on the fund control system. The main switch of the switch can perform switch control on any secondary fund user, wherein the switch control is triggered in the following situations: judging the start and start level of the warning. When the first level warning is started, the switch control is triggered; judging whether the status of the fund issuer has changed. The status change includes the change of the fund issuer's own status and the change of the fund issuer's amount. When the status of the fund issuer changes, the switch control is triggered; judging whether the relationship binding status has changed. When the relationship binding status has changed, the switch control is triggered.

[0034] In this embodiment, the switch control module introduces switch control for the fund control system. The switch control has a main switch, which can perform switch control on all secondary fund users. The triggering of switch control has certain conditions. One is that when the second level warning in the real-time warning is activated, the switch control will be triggered; the second is that when the status of the fund issuer changes, the switch control will be triggered. The change in the status of the fund issuer includes the change in the status of the fund issuer itself and the change in the fund amount of the fund issuer; the third is when the binding relationship changes, for example, the binding between a fund issuer and the secondary fund user with which it forms a binding relationship is released, the switch control will also be triggered. The switch control module of the fund control system provided in this application can achieve the improvement of the response effect and efficiency of the fund control system when encountering special situations.

[0035] In a third aspect, an embodiment of the present application provides an electronic device, comprising: a processor, a memory and a bus; the processor and the memory communicate with each other through the bus; the memory stores program instructions that can be executed by the processor, and the processor calls the program instructions to execute the method in the first aspect.

[0036] In a fourth aspect, an embodiment of the present application provides a computer-readable storage medium, wherein the computer-readable storage medium stores computer instructions, and the computer instructions enable the computer to execute the method in the first aspect.

[0037] In order to make the above-mentioned objects, features and advantages of the present application more obvious and easy to understand, the following specifically cites the embodiments of the present application and describes them in detail with reference to the attached drawings. BRIEF DESCRIPTION OF THE DRAWINGS

[0038] In order to more clearly illustrate the technical solutions of the embodiments of the present application, the drawings required for use in the embodiments of the present application will be briefly introduced below. It should be understood that the following drawings only show certain embodiments of the present application and therefore should not be regarded as limiting the scope. For ordinary technicians in this field, other related drawings can be obtained based on these drawings without paying creative work.

[0039] Figure 1 A schematic diagram of the steps of the fund management and control method provided in the embodiment of the present application;

[0040] Figure 2 A schematic diagram of the relationship between a primary fund user and a secondary fund user provided in an embodiment of the present application;

[0041] Figure 3 A preferred relationship diagram between primary fund users and secondary fund users provided in an embodiment of the present application;

[0042] Figure 4 A schematic diagram of a preferred binding relationship provided in an embodiment of the present application;

[0043] Figure 5 A schematic diagram of a funding application and approval process provided for an embodiment of the present application;

[0044] Figure 6 A schematic diagram of a preferred quota allocation provided in an embodiment of the present application;

[0045] Figure 7 Another preferred quota allocation diagram provided for the embodiment of the present application;

[0046] Figure 8 A preferred warning effect diagram provided in the embodiment of the present application;

[0047] Fig. 9 An overall schematic diagram of the funds management and control system provided in the embodiment of the present application; and

[0048] Fig.10 A schematic diagram of the structure of an electronic device provided in an embodiment of the present application. DETAILED DESCRIPTION

[0049] The technical solutions in the embodiments of the present application will be described below in conjunction with the drawings in the embodiments of the present application.

[0050] Figure 1 A schematic diagram of the steps of the fund control method provided in the embodiment of this application. Figure 1 The specific execution steps of the method include:

[0051] Step 101: Bind the relationship between the fund issuer, the primary fund user, and the secondary fund user so that the fund flows from the fund issuer to the primary fund user, and then to the secondary fund user.

[0052] In the specific implementation process of step 101, it is necessary to complete the relationship binding of the fund issuer, the first-level fund user, and the second-level fund user. The fund issuer refers to the fund provider, mainly a bank. The fund users are divided into two levels. The first-level fund users mainly refer to the branches of the fund users in various regions, such as the Shandong branch of the ABCD Group Insurance Loan Outlet. The second-level fund users refer to the various stores under the branches in various regions, such as the No. 10 store of the Shandong branch of the ABCD Group Insurance Loan Outlet. In the process of relationship binding, the fund issuers, such as various banks, are bound to the branches of various fund users and the stores under each branch. In the process of fund issuance, the funds are issued by various banks to various local branches, and then distributed to each specific store.

[0053] Step 102: The fund disbursement party plans the fund disbursement amount.

[0054] During the specific implementation of step 102, each bank of the fund issuer plans the amount of funds to be issued. The amount refers to the total amount of each fund issuer, that is, the total amount of each bank, while the amount of each branch corresponding to each bank and the stores under each branch are not planned here.

[0055] Step 103: The fund user applies for the fund usage quota.

[0056] In the specific implementation process of step 103, the fund user applies for its own fund usage quota, and the content of the application is the fund usage quota of the corresponding fund user at the corresponding fund issuer in the next month.

[0057] Step 104: Approve the fund usage quota based on the fund disbursement quota.

[0058] In the specific implementation process of step 104, since in step 103, each fund user has applied for the fund usage quota of the fund issuer, the specific object of the application is the quota of each fund issuer to the fund user who made the application. Therefore, each fund user may make different fund usage quota applications to different fund issuers. In the fund approval process, approval is conducted based on the application requirements submitted by each fund user and the fund issuance quota of the corresponding fund issuer, and finally the quota of each fund user corresponding to different fund issuers and the total quota of each fund user are determined.

[0059] Figure 2 A schematic diagram of the relationship between a primary fund user and a secondary fund user provided in an embodiment of the present application.

[0060] See also Figure 2 The subordinates of the first-level fund user 1 include three second-level fund users, and the subordinates of the first-level fund user 2 include two second-level fund users. That is to say, each first-level fund user in the fund management and control method provided in this application includes several second-level fund users. Figure 2 Only three secondary fund users and secondary fund users are used for exemplary description. In a specific implementation method, the number of secondary fund users corresponding to each primary fund user can be adjusted according to actual conditions without being subject to specific restrictions.

[0061] Figure 3 A preferred relationship diagram between primary fund users and secondary fund users provided in an embodiment of the present application.

[0062] See also Figure 3 , Figure 3 The relationship diagram of some first-level fund users and second-level fund users is shown. For example, in the figure, there are Tianjin Provincial Branch 310, Dalian Branch, Ningxia Branch 320, Shandong Branch and other branches. The above branches are in parallel relationship. Under Shandong Branch, there are Yantai Branch 330, Jinan Branch 340, Zibo Branch, Linyi Branch, etc. All of the above branches belong to the first-level fund users. In the options of Jinan Branch, you can see Weifang Store 341, Shandong Installment Store 342, Jinan Mortgage Center 343, Liaocheng Mortgage Center 344, etc. The central stores and centers are all second-level fund users. Second-level fund users are subordinates of first-level fund users.

[0063] Figure 4 A schematic diagram of a preferred binding relationship provided for an embodiment of the present application.

[0064] See also Figure 4 , Figure 4 The binding relationship between the fund issuer and the fund user is shown. Figure 4 In the example, Hefei No. 1 Business Department is a property insurance credit insurance operation store and a secondary fund user. The cooperative financial institutions bound by Hefei No. 1 Business Department are Bank A, Bank B, Bank C, and Bank D. The specific financial institutions correspond to outlets of Bank C, a branch of Bank B, and Bank A. The above financial institutions and outlets are fund issuers. As a secondary fund user, Hefei No. 1 Business Department has a binding relationship with these fund issuers.

[0065] Furthermore, the application for the fund quota by the fund user includes: the second-level fund users apply for their respective fund quotas; and the first-level fund user summarizes the quota requirements of the second-level fund users that are its superiors, and then makes a unified application. In the actual fund quota application process, since the first-level fund user is the superior of the second-level fund user, the first-level fund user has some of the operating authority of the second-level fund user, including the fund quota application authority. Therefore, the application for the fund quota can be made by the second-level fund user, that is, each store, to apply for the fund quota to different fund issuers with which it has a binding relationship, or by the superior branch of each store, that is, each first-level fund user, to summarize the quota application demand information of the subordinate second-level fund users to the fund issuers with which they are bound, and then issue a unified application.

[0066] Figure 5 A schematic diagram of a funding application and approval process provided for an embodiment of the present application.

[0067] See also Figure 5 First, each branch store issues a fund application, which is then verified by the system to determine whether it has passed the verification. If the verification fails, it will enter the verification again. If it passes, it will start the approval process. Approve the batch or single fund usage amount to determine whether it has passed. If the approval fails, it will be approved again. If it passes, the data after fund approval will be generated to complete the approval process.

[0068] Furthermore, during the execution of specific business, the remaining amount of funds will change with the changes in the business, and correspondingly, the consumption and backfill of funds need to be updated. One case is loan disbursement, that is, after the customer handles the relevant loan business at the corresponding secondary fund user, that is, each branch, after the customer's qualifications are reviewed, the customer's loan request is approved, which constitutes the conditions for loan disbursement, and the corresponding remaining amount of funds used at the corresponding branch is reduced. The second case is repayment. In contrast to loan disbursement, after the customer handles the relevant loan business at the corresponding secondary fund user, that is, each branch, after a certain period of time, the customer goes to the branch to repay the loan. After the repayment information is updated by the system, it constitutes a successful repayment, and the corresponding remaining amount of funds used at the corresponding branch is increased. The third situation is policy cancellation. This is because after the customer applied for a loan, they went through some preliminary qualification review. Although the loan was not issued, the relevant amount has been deducted from the amount used by the fund user. However, due to the subsequent qualification review, it was found that there were problems with the customer's qualifications, or the customer canceled the relevant loan application for his own reasons. In this case, the above situation involves policy cancellation. After the cancellation is completed, the corresponding remaining amount of funds used by the secondary funds will increase. The increase in the remaining amount of funds used is considered as fund backfilling, and the decrease in the remaining amount of funds used is considered as fund consumption.

[0069] Furthermore, the method also includes: allocating the fund quotas of the fund issuers, the primary fund users, and the secondary fund users. In the actual working process, there will be a situation where the remaining fund quotas of some secondary fund users are insufficient. At this time, in order to carry out the business normally, the fund quotas will be allocated. The first situation of allocation is the allocation of the fund quota by the fund issuer. When the fund quota of a certain secondary fund user is insufficient, the fund issuer bound to the certain secondary fund user directly increases the fund issuance quota, thereby increasing the fund quota issued to the certain secondary fund user. In this way of fund quota allocation, the total fund issuance quota is increased. Another way is that when the fund quota of a certain secondary fund user is insufficient, the fund quotas of other secondary fund users belonging to the same primary fund user are queried, and the queried secondary fund users must also meet the condition that they are bound to the same fund issuer as the certain secondary fund user. The query result is judged. If the remaining fund usage quota of the queried secondary fund user is sufficient, the queried secondary fund user can allocate the fund usage quota of the certain secondary fund user.

[0070] Furthermore, the query is whether the remaining amount of the secondary fund user who is a subordinate of the same primary fund user as the certain secondary fund user and is bound to the same fund issuer as the certain secondary fund user is sufficient. The remaining amount is the remaining usage amount of the queried secondary fund user corresponding to the fund issuer with which the queried secondary fund user and the certain secondary fund user have a common binding relationship. Here, the source of funds for the queried secondary fund user when allocating the fund usage amount is limited. When the secondary fund user allocates the fund usage amount to the certain secondary fund user, the source of funds allocated needs to be the fund issuance amount of the fund issuer that the queried fund user and the certain secondary fund user are jointly bound. Therefore, in this case, the total amount of funds issued by the fund issuer will not change.

[0071] Figure 6 A schematic diagram of a preferred quota allocation provided for an embodiment of the present application.

[0072] See also Figure 6 , Figure 6 The first method of allocating funds is shown in the following example. Figure 6 In the , you can see the secondary fund user of the added funds during the fund quota allocation process, that is, the specific information of a store, including the store code and store name, as well as the year and month when the allocation occurred, for example Figure 6 The year and month shown in is August 2021. The store is the first business department of Zibo, which belongs to the Shandong branch. You can also see the information of the disbursement party of the allocated funds. Figure 6 In the middle is Bank A Co., Ltd. As well as the amount of funds issued is 5 million, the amount of funds used is 565,000, and the remaining amount of funds is 4.435 million. In the option box below, you can set the amount of funds for this time, and then click Submit to realize the allocation of funds.

[0073] Figure 7 Another preferred quota allocation diagram provided for an embodiment of the present application.

[0074] See also Figure 7 , Figure 7 The above-mentioned second method of fund allocation is demonstrated exemplarily. The interface is an internal transfer interface, which includes the transfer-out store, that is, the name of the secondary fund user, and the corresponding source of funds, that is, the name of the branch of the fund issuer. The transfer amount can be entered in the interface and the remaining funds after the transfer can be queried. Finally, the fund transfer object can be set, that is, the secondary fund user to whom the fund usage quota is transferred. Figure 7As can be seen in the internal transfer option, you can see that the name of the store to be transferred out is Yantai No. 1 Business Department, the name of the funding party is Bank A Co., Ltd., the business lines are credit and car loans, and you can also see that the remaining amount is 4.905 million, and the set yellow warning value is 1 million, and the red warning value is 0. You can also set the transfer amount and query the remaining amount after the transfer. Finally, there is an option for the transfer object, where you can select the recipient of the fund transfer. The recipient has a corresponding list to choose from. There is a detailed table below, where you can see the information of each store related to the internal transfer of funds, including store name, branch, funding party, business line, investment quota, and used quota.

[0075] Furthermore, the method also includes: real-time warning of the remaining amount of funds, including the remaining amount of funds issued by the fund issuer, the remaining amount of funds used by the first-level fund user and the second-level fund user. Here, warning is set for the remaining amount of funds, including the amount of funds used and the amount of funds issued. There are usually two objects of warning, which can be set during the operation, one is the value of the remaining amount of funds, and the other is the percentage of the remaining amount of funds in the total amount of funds. For the above two objects, corresponding real-time warnings can be made, and thresholds need to be set before warnings, because for the remaining amount of funds, or for the percentage of the remaining amount of funds in the total amount of funds, the lower the value, the more it represents insufficient funds, which is easy to affect the normal business development. Usually, two thresholds are set for each object, one of which is lower and the other is higher. The status of the warning follows the status of the set value. When the remaining amount of funds reaches a higher threshold value or the percentage of the remaining amount of funds to the funds reaches a higher threshold value, the first level warning is activated. The first level warning here can be a yellow warning. When the remaining amount of funds reaches a lower threshold value or the percentage of the remaining amount of funds to the funds reaches a lower threshold value, the second level warning is activated. The second level warning here can be a red warning.

[0076] Figure 8 A preferred warning effect diagram provided in an embodiment of the present application.

[0077] See also Figure 8 , Figure 8 The early warning effect diagram is shown in the figure. In different years and months, you can see the stores under different distributions, as well as the names of the funding parties corresponding to the stores. It can also clearly and quantitatively show the amount of funds invested and the amount used, as well as the remaining amount and the percentage of the remaining amount. Figure 8It also displays the yellow warning value, red warning value and percentage of yellow warning and red warning for each store, and displays whether the corresponding store is in yellow warning or red warning status. Figure 8 It can be seen that, for example, Zhengzhou No. 1 Business Department belongs to the Henan Branch, and the funding party is Bank B Co., Ltd. Its investment quota is 670,000, the amount used is 703,000, the remaining quota is -33,000, and the remaining quota accounts for 4.93%. The yellow warning value is 130,000, the red warning value is 0, the yellow warning percentage is 20%, and the red warning percentage is 0. Therefore, in this state, Zhengzhou No. 1 Business Department is in both yellow warning and red warning.

[0078] Furthermore, the method further includes: performing switch control on the fund control system, and the master switch of the switch can perform switch control on any secondary fund user. Switch control refers to the intervention of the switch in fund control to change the corresponding status. The triggering of switch control requires certain conditions, one of which is to trigger switch control when the warning reaches a certain level, for example, when the second level warning, that is, the red warning level, is reached, the corresponding switch control is triggered. The second situation is that the status of the fund issuer has changed, and the types of changes include the status change of the fund issuer itself and the fund amount of the fund issuer has changed to a certain extent, such as the suspension of service by the fund issuer, which will trigger switch control. The third situation is that the binding relationship has changed, for example, a fund issuer originally had a binding relationship with a secondary fund user, but this binding relationship was later released, then this situation will also trigger switch control.

[0079] Furthermore, the present application provides a fund management and control system, which is used to manage and control fund issuers and fund users including first-level fund users and second-level fund users, wherein the first-level fund users are the superiors of the second-level fund users.

[0080] Fig. 9 For the overall schematic diagram of the funds control system provided in this application embodiment, please refer to Fig. 9 ,exist Fig. 9 In the embodiment, the fund control system 900 includes: a binding module 901 , a planning module 902 , an application module 903 , and an approval module 904 .

[0081] The binding module 901 is used to complete the relationship binding of the fund issuer, the first-level fund user, and the second-level fund user. The fund issuer refers to the provider of funds, mainly banks. The fund users are divided into two levels. The first-level fund users mainly refer to the branches of fund users in various regions, such as the Shandong branch of a certain insurance loan outlet. The second-level fund users refer to the various stores under the branches in various regions, such as the No. 10 store of the Shandong branch of a certain insurance loan outlet. In the process of relationship binding, the fund issuers, such as various banks, are bound to the branches of various fund users and the stores under each branch. In the process of fund issuance, funds are issued by various banks to various local branches, and then distributed to various specific stores.

[0082] The planning module 902 is used to control the various banks that issue funds to plan the amount of funds to be issued. The amount refers to the total amount of each fund issuer, that is, the total amount of each bank, while the amount of each bank's corresponding branch and the stores under each branch are not planned here.

[0083] The application module 903 is used to control the fund user to apply for its own fund usage quota, and the content of the application is the fund usage quota of the corresponding fund user at the corresponding fund issuer in the next month.

[0084] Approval module 904 is used. Since in application module 903, each fund user has applied for the fund usage quota of the fund issuer, the specific object of the application is the quota of each fund issuer to the fund user who made the application. Therefore, each fund user may make different fund usage quota applications to different fund issuers. In the fund approval process, approval is conducted based on the application requirements submitted by each fund user and the fund issuance quota of the corresponding fund issuer, and finally the quota of each fund user corresponding to different fund issuers and the total quota of each fund user are determined.

[0085] Furthermore, in the working process of the application module 903, the application for the fund usage quota by the fund user includes: the second-level fund users apply for their respective fund usage quotas; and the first-level fund users summarize the quota requirements of the second-level fund users of which they are superiors, and then make a unified application. In the actual fund quota application process, since the first-level fund user is the superior of the second-level fund user, the first-level fund user has some operating authority of the second-level fund user, including the fund usage quota application authority. Therefore, the application for the fund usage quota can be made by the second-level fund user, that is, each store, to apply for the fund quota to different fund issuers with which it has a binding relationship, or by the superior branch of each store, that is, each first-level fund user, to summarize the quota application demand information of the subordinate second-level fund users to the fund issuers with which they are bound, and then issue a unified application.

[0086] Furthermore, the fund management and control system also includes an update module. During the execution of a specific business, the remaining amount of the fund quota will change with the changes in the business, and correspondingly, the consumption and backfill of funds need to be updated. One situation is loan disbursement, that is, after the customer handles the relevant loan business at the corresponding secondary fund user, that is, each branch, after the customer's qualifications are reviewed, the customer's loan request is approved, which constitutes the loan disbursement conditions, and the corresponding remaining amount of funds used at the corresponding branch is reduced. The second situation is repayment. In contrast to loan disbursement, after the customer handles the relevant loan business at the corresponding secondary fund user, that is, each branch, after a certain period of time, the customer goes to the branch to perform the repayment operation. After the repayment information is updated by the system, it constitutes a successful repayment, and the corresponding remaining amount of funds used at the corresponding branch is increased. The third situation is policy cancellation. This is because after the customer applied for a loan, they went through some preliminary qualification review. Although the loan was not issued, the relevant amount has been deducted from the amount used by the fund user. However, due to the subsequent qualification review, it was found that there were problems with the customer's qualifications, or the customer canceled the relevant loan application for his own reasons. In this case, the above situation involves policy cancellation. After the cancellation is completed, the corresponding remaining amount of funds used by the secondary funds will increase. The increase in the remaining amount of funds used is considered as fund backfilling, and the decrease in the remaining amount of funds used is considered as fund consumption.

[0087] Furthermore, the fund management and control system also includes an allocation module. In the actual working process, there will be a situation where the remaining funds of some secondary fund users are insufficient. At this time, in order to carry out the business normally, it will involve the allocation of funds. The first situation of allocation is the allocation of funds by the fund issuer. When the funds of a certain secondary fund user are insufficient, the fund issuer bound to the certain secondary fund user directly increases the funds issuance quota, thereby increasing the funds issued to the certain secondary fund user. Under this method of funds allocation, the total funds issuance amount is increased. Another way is that when the funds of a certain secondary fund user are insufficient, the funds of other secondary fund users belonging to the same primary fund user are queried, and the queried secondary fund users must also meet the condition that they are bound to the same fund issuer as the certain secondary fund user. The query result is judged. If the remaining fund usage quota of the queried secondary fund user is sufficient, the queried secondary fund user can allocate the fund usage quota of the certain secondary fund user.

[0088] Furthermore, when the allocation module is working, the query is to check whether the remaining amount of the secondary fund user who is a subordinate of the same primary fund user as the certain secondary fund user and is bound to the same fund issuer as the certain secondary fund user is sufficient. The remaining amount is the remaining usage amount of the queried secondary fund user corresponding to the fund issuer with which the queried secondary fund user and the certain secondary fund user have a common binding relationship. Here, the source of funds for the queried secondary fund user to allocate the fund usage amount is limited. When the secondary fund user allocates the fund usage amount to the certain secondary fund user, the source of funds allocated needs to be the fund issuance amount of the fund issuer bound to the queried fund user and the certain secondary fund user. Therefore, in this case, the total amount of funds issued by the fund issuer will not change.

[0089] Furthermore, the fund control system also includes: an early warning module, which provides real-time early warning for the remaining amount of funds, including the remaining amount of funds issued by the fund issuer, the remaining amount of funds used by the first-level fund user and the second-level fund user. Here, early warning is set for the remaining amount of funds, including the amount of funds used and the amount of funds issued. There are usually two objects of early warning, which can be set during the operation process, one is the value of the remaining amount of funds, and the other is the percentage of the remaining amount of funds in the total amount of funds. For the above two objects, corresponding real-time early warnings can be made, and thresholds need to be set before early warning, because for the remaining amount of funds, or for the percentage of the remaining amount of funds in the total amount of funds, the lower the value, the more it represents insufficient funds, which is easy to affect the normal business development. Usually, two thresholds are set for each object, one of which is lower and the other is higher. The status of the warning follows the status of the set value. When the remaining amount of funds reaches a higher threshold value or the percentage of the remaining amount of funds to the funds reaches a higher threshold value, the first level warning is activated. The first level warning here can be a yellow warning. When the remaining amount of funds reaches a lower threshold value or the percentage of the remaining amount of funds to the funds reaches a lower threshold value, the second level warning is activated. The second level warning here can be a red warning.

[0090] Further, the fund control system also includes: a switch control module, which performs switch control on the fund control system, and the master switch of the switch can perform switch control on any secondary fund user. Switch control refers to the intervention of the switch in fund control to change the corresponding state. The triggering of switch control requires certain conditions, one of which is to trigger switch control when the warning reaches a certain level, for example, when the second level warning, that is, the red warning level, is reached, the corresponding switch control is triggered. The second situation is that the status of the fund issuer has changed, and the types of changes include the status change of the fund issuer itself and the fund amount of the fund issuer has changed to a certain extent, such as the suspension of service by the fund issuer, which will trigger switch control. The third situation is that the binding relationship has changed, for example, a fund issuer originally had a binding relationship with a secondary fund user, but this binding relationship was later released, then this situation will also trigger switch control.

[0091] See also Fig.10 , Fig.10The electronic device 1000 provided in the embodiment of the present application includes: a processor 1001 and a memory 1002, wherein the memory 1002 stores machine-readable instructions executable by the processor 1001, and when the machine-readable instructions are executed by the processor 1001, the above method is executed.

[0092] For example, the processor 1001 of the embodiment of the present application reads a computer program from the memory 1002 through a communication bus and executes the computer program to implement the following method: a data management method. In some examples, the processor 1001 can also update the configuration item, that is, the following steps can be performed: receiving input log data, storing the log data in a high-speed access module, and marking the storage time when storing the log data; determining whether the time length between the current time and the storage time of the log data is greater than a preset threshold, if greater, migrating the log data to a normal-speed access module; and querying the stored existing log data, wherein the existing log data includes log data stored in a high-speed access module and a normal-speed access module.

[0093] The processor 1001 can be an integrated circuit chip with signal processing capabilities. The above-mentioned processor 1001 can be a general-purpose processor, including a central processing unit (CPU), a network processor (NP), etc.; it can also be a digital signal processor (DSP), an application-specific integrated circuit (ASIC), a field-programmable gate array (FPGA) or other programmable logic devices, discrete gates or transistor logic devices, discrete hardware components. It can implement or execute various methods, steps and logic block diagrams disclosed in the embodiments of the present application. The general-purpose processor can be a microprocessor or the processor can also be any conventional processor, etc.

[0094] The memory 1002 may include but is not limited to random access memory (RAM), read only memory (ROM), programmable read-only memory (PROM), erasable programmable read-only memory (EPROM), electrically erasable read-only memory (EEPROM), etc.

[0095] Understandably, Fig.10 The structure shown is for illustration only. The electronic device 1000 may also include Fig.10 More or fewer components as shown, or with Fig.10 Different configurations are shown. Fig.10 Each component shown in can be implemented by hardware, software or a combination thereof. In the embodiment of the present application, the electronic device 1000 can be, but is not limited to, a physical device such as a desktop computer, a laptop computer, a smart phone, a smart wearable device, a vehicle-mounted device, etc., and can also be a virtual device such as a virtual machine. In addition, the electronic device 1000 is not necessarily a single device, but can also be a combination of multiple devices, such as a server cluster, etc. In the embodiment of the present application, a server in a method for photographing a vehicle can be implemented by Fig.10 The electronic device 1000 shown is implemented.

[0096] An embodiment of the present application also provides a computer-readable storage medium, including a computer program stored on the computer-readable storage medium, the computer program including program instructions, and when the program instructions are executed by a computer, the computer can execute the steps of a data management method in the above embodiment, for example including: receiving input log data, storing the log data in a high-rate access module, and marking the storage time when storing the log data; determining whether the time length between the current time and the storage time of the log data is greater than a preset threshold, and if greater, migrating the log data and storing it in a normal-rate access module; and querying the existing stored log data, wherein the existing log data includes log data stored in the high-rate access module and the normal-rate access module.

[0097] In the embodiments provided in the present application, it should be understood that the disclosed systems and methods can be implemented in other ways. The device embodiments described above are merely schematic. For example, the division of the units is only a logical function division. There may be other division methods in actual implementation. For example, multiple units or components can be combined or integrated into another system, or some features can be ignored or not executed. Another point is that the mutual coupling or direct coupling or communication connection shown or discussed can be through some communication interfaces, indirect coupling or communication connection of devices or units, which can be electrical, mechanical or other forms.

[0098] In addition, the units described as separate components may or may not be physically separated, and the components shown as units may or may not be physical units, that is, they may be located in one place or distributed on multiple network units. Some or all of the units may be selected according to actual needs to achieve the purpose of the solution of this embodiment.

[0099] Furthermore, the functional modules in the various embodiments of the present application may be integrated together to form an independent part, or each module may exist separately, or two or more modules may be integrated to form an independent part.

[0100] In this document, relational terms such as first and second, etc. are used merely to distinguish one entity or operation from another entity or operation, but do not necessarily require or imply any such actual relationship or order between these entities or operations.

[0101] The above description is only an embodiment of the present application and is not intended to limit the protection scope of the present application. For those skilled in the art, the present application may have various modifications and variations. Any modification, equivalent replacement, improvement, etc. made within the spirit and principle of the present application shall be included in the protection scope of the present application.

Claims

1. A fund control method, characterized in that: The method is applied to a fund control system, which includes: a fund issuer, and fund users including a primary fund user and a secondary fund user; wherein the primary fund user is a superior of the secondary fund user, and the method includes: Binding the fund issuer, the primary fund user, and the secondary fund user so that the funds flow from the fund issuer to the primary fund user, and then to the secondary fund user; The fund disbursement party plans the amount of funds to be disbursed; The fund user applies for the fund usage quota; and According to the fund issuance quota, the fund usage quota is approved; The method further includes: allocating the fund quotas of the fund issuer, the primary fund user, and the secondary fund user; The allocation of the fund quotas of the fund issuer, the primary fund user, and the secondary fund user includes: If the remaining amount of the fund usage quota of a certain secondary fund user is insufficient, the fund issuance quota of the fund issuer bound to the secondary fund user is updated; or Querying other secondary fund users of the secondary fund user that are common primary fund users, wherein the other secondary fund users are bound to the same fund issuer as the secondary fund user, and determining whether the remaining amount of the fund usage amount of the other secondary fund users is sufficient; If it is sufficient, the other secondary fund users will allocate the fund usage quota to the certain secondary fund user.

2. The method according to claim 1, characterized in that: The application for the fund usage quota by the fund user includes: The secondary fund users apply for their respective fund usage quotas; and The first-level fund user shall summarize the quota requirements of the second-level fund users at its superior level and then make a unified application.

3. The method according to claim 1, characterized in that The method further includes: updating the fund consumption and backfill of the fund issuer and the fund user; Wherein, the updating of the fund consumption and backfill of the fund issuer and the fund user includes: Update the fund disbursement quota of the fund disburser according to the loan situation, and update the remaining quota of the fund usage quota of the first-level fund user and the second-level fund user; updating the fund disbursement quota of the fund disburser according to the repayment situation, and updating the remaining quota of the fund usage quota of the primary fund user and the secondary fund user; and According to the policy cancellation situation, the fund disbursement quota of the fund disburser and the remaining amount of the fund usage quota of the first-level fund user and the second-level fund user are updated.

4. The method according to claim 1, characterized in that: in, The query is whether the remaining amount of the secondary fund user which is a subordinate of the same primary fund user as the certain secondary fund user and is bound to the same fund issuer as the certain secondary fund user is sufficient, and the remaining amount is the remaining usage amount of the queried secondary fund user corresponding to the fund issuer with which the queried secondary fund user has a common binding relationship.

5. The method according to claim 1, characterized in that The method further includes: providing a real-time early warning for the remaining amount of funds including the remaining amount of funds issued by the fund issuer, the remaining amount of funds used by the first-level fund user and the second-level fund user; The object targeted by the real-time warning includes the value of the remaining amount of funds and / or the percentage of the remaining amount of funds to the amount of funds; The real-time early warning of the remaining amount of funds including the remaining amount of funds issued by the fund issuer, the remaining amount of funds used by the first-level fund user and the second-level fund user includes: Setting the threshold of the warning, including a higher threshold and a lower threshold for the numerical value of the remaining amount of funds, or a higher threshold and a lower threshold for the percentage of the remaining amount of funds to the amount of funds; The warning includes two levels. When the remaining amount of funds reaches the higher threshold or the percentage of the remaining amount of funds to the amount of funds reaches the higher threshold, the first level warning is activated; and When the remaining amount of funds reaches the lower threshold or the percentage of the remaining amount of funds to the amount of funds reaches the lower threshold, the second level warning is initiated.

6. The method according to claim 5, characterized in that The method further includes: performing on-off control on the fund control system, wherein the master switch of the switch can perform on-off control on any secondary fund user, The switch control triggering situations include: Determine the activation and activation level of the warning, and when the second level warning is activated, trigger switch control; Determine whether the status of the fund issuer has changed. The status change includes the change of the fund issuer's own status and the change of the fund issuer's amount. When the status of the fund issuer changes, the switch control is triggered; It is determined whether the relationship binding state has changed, and when the relationship binding state has changed, switch control is triggered.

7. A fund management and control system is used to manage and control fund issuers and fund users including primary fund users and secondary fund users, wherein: The first-level fund user is the superior of the second-level fund user, and is characterized in that the system includes: A binding module binds the fund issuer, the primary fund user, and the secondary fund user so that the funds flow from the fund issuer to the primary fund user and then to the secondary fund user; A planning module, used for the fund disbursement party to plan the fund disbursement amount; An application module, used for the fund user to apply for a fund usage quota; and An approval module is used to approve the application for the fund usage quota according to the fund issuance quota; An allocation module, used to allocate the fund quotas of the fund issuer, the primary fund user, and the secondary fund user; The allocation of the fund quotas of the fund issuer, the primary fund user, and the secondary fund user includes: If the remaining amount of the fund usage quota of a certain secondary fund user is insufficient, the fund issuance quota of the fund issuer bound to the secondary fund user is updated; or Querying other secondary fund users of the said secondary fund user that are common primary fund users, wherein the said other secondary fund users are bound to the same fund issuer as the said secondary fund user, and determining whether the remaining amount of the fund usage amount of the said other secondary fund users is sufficient, If it is sufficient, the other secondary fund users will allocate the fund usage quota to the certain secondary fund user.

8. An electronic device, characterized in that: include: processor, memory, and bus; The processor and the memory communicate with each other via the bus; The memory stores program instructions executable by the processor, and the processor can execute the method according to any one of claims 1 to 6 by calling the program instructions.

9. A computer-readable storage medium, characterized in that: The computer-readable storage medium stores computer instructions, and when the computer instructions are executed by a computer, the computer is caused to execute the method according to any one of claims 1 to 6.

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