Sales distribution management method and device, electronic equipment and computer readable storage medium

Abstract

The invention provides an amortization management method and device, electronic equipment and a computer readable storage medium, and the method comprises the steps: obtaining repayment plan information, which comprises repayment plan details, a should-be-calculated type and a calculation identifier used for calculating an amortization initial value; according to the repayment plan details and the calculation identifier, obtaining a spreading initial value of the should-be-calculated type; and generating a corresponding sales sharing plan according to the sales sharing initial value and a preset sales sharing algorithm. According to the invention, the amortization plan can be quickly calculated, and the amortization management efficiency and the amortization cost calculation accuracy are improved.

Description

Technical Field

[0001] The present invention relates to the field of data processing technology, and in particular to an amortization management method, device, electronic device and computer-readable storage medium. Background Art

[0002] According to the Enterprise Accounting Standards, financial leasing companies follow the accrual basis for accounting, that is, interest, fees and other income are recognized as company income by amortization on a monthly basis to truly reflect the company's financial status and operating results. For example, the management fee is collected in one lump sum before delivery, and the management fee income is recognized by amortization each period during the lease term.

[0003] At present, some aspects of the amortization management of various expense items in the field of financial leasing require manual processing by staff, which is inefficient and prone to errors.

[0004] Therefore, there is an urgent need for an amortization management method, device, electronic device and computer-readable storage medium to solve the above problems. Summary of the invention

[0005] The technical problem solved by the present invention is to provide a depreciation management method, device, electronic device and computer-readable storage medium, which can automatically generate a depreciation plan, improve the depreciation management efficiency and the accuracy of amortization expense calculation.

[0006] The present invention solves the technical problem by adopting the following technical solutions:

[0007] An amortization management method includes: obtaining repayment plan information, the repayment plan information including repayment plan details, accrual type, and a calculation identifier for calculating an initial amortization value;

[0008] According to the repayment plan details and the calculation identifier, obtaining an initial amortization value of the accrual type;

[0009] A corresponding amortization plan is generated according to the amortization initial value and the preset amortization algorithm.

[0010] In a preferred embodiment of the present invention, after the step of generating the corresponding amortization plan according to the amortization initial value and the preset amortization algorithm, the method further comprises: when it is detected that the amortization plan needs to be posted, posting the amortization plan according to a preset posting date to obtain the corresponding posting amount of the amortization plan on the target financial account; and generating a posting voucher based on the corresponding posting amount on the target financial account.

[0011] In a preferred embodiment of the present invention, the above-mentioned step of posting the amortization plan according to the preset posting date to obtain the posting amount corresponding to the amortization plan on the target financial account includes: obtaining the target financial account corresponding to the accrual type; and determining the posting amount corresponding to the amortization plan on the target financial account according to the preset posting date and the target financial account corresponding to the accrual type.

[0012] In a preferred embodiment of the present invention, the above-mentioned repayment plan information also includes a change identifier for characterizing the status of the repayment plan; after the step of generating the corresponding amortization plan based on the amortization initial value and the preset amortization algorithm, it includes: when it is detected that the change identifier is a changed state, obtaining the changed repayment plan details; based on the changed repayment plan details, generating a changed amortization plan.

[0013] In a preferred embodiment of the present invention, the above-mentioned changed repayment plan details include a changed total repayment amount; generating a changed amortization plan based on the changed repayment plan details includes: obtaining the changed amortization initial value of the accrual type based on the changed total repayment amount and the calculation identifier; obtaining the changed amortization plan based on the changed amortization initial value and the amortization algorithm.

[0014] In a preferred embodiment of the present invention, after the amortization plan corresponding to the repayment plan is regenerated according to the repayment change information, it includes: invalidating the repayment plan details and the amortization plan corresponding to the change date.

[0015] An amortization management device includes: an accrual type confirmation module and an amortization calculation module; the accrual type confirmation module is used to obtain repayment plan information, the repayment plan information includes repayment plan details, accrual type and a calculation identifier for calculating an initial amortization value; the amortization calculation module is used to obtain an initial amortization value of the accrual type based on the repayment plan details and the calculation identifier; and a corresponding amortization plan is generated based on the initial amortization value and a preset amortization algorithm.

[0016] In a preferred embodiment of the present invention, the above-mentioned amortization management device also includes: a repayment plan calculation module, which is used to confirm the repayment plan according to the repayment calculation parameters and the contract period, and when the repayment plan changes, the change identifier and the changed repayment plan are sent to the accrual type confirmation module; a posting management module, which is used to post the amortization plan according to a preset posting date when receiving a posting request for the amortization plan, and obtain the corresponding posting amount of the amortization plan on the target financial account; a voucher generation module, which is used to generate a posting voucher according to the corresponding posting amount on the target financial account.

[0017] An electronic device comprises: a memory and a processor, wherein an amortization management program is stored in the memory, and when the amortization management program is executed by the processor, the steps of the amortization management method as described in any one of the above are implemented.

[0018] A computer-readable storage medium having a computer program stored thereon, wherein the computer program, when executed by a processor, implements the steps of any one of the above-mentioned amortization management methods.

[0019] The technical effect achieved by the present invention using the above technical solution is: an amortization plan for the corresponding accrual type in the repayment plan information can be automatically generated through the repayment plan information, thereby improving the efficiency of amortization management and the accuracy of amortization expense calculation.

[0020] The above description is only an overview of the technical solution of the present invention. In order to more clearly understand the technical means of the present invention, it can be implemented in accordance with the contents of the specification. In order to make the above and other purposes, features and advantages of the present invention more obvious and easy to understand, the following specifically cites a preferred embodiment and describes it in detail with the accompanying drawings. BRIEF DESCRIPTION OF THE DRAWINGS

[0021] Figure 1 A flowchart of a method for amortization management according to a first embodiment of the present invention;

[0022] Figure 2 This is a main flow chart of an amortization management method according to the first embodiment of the present invention;

[0023] Figure 3 This is a schematic diagram of the structure of an amortization management device according to the second embodiment of the present invention;

[0024] Figure 4 This is a framework diagram of an amortization management device according to the second embodiment of the present invention. DETAILED DESCRIPTION

[0025] In order to further explain the technical means and effects taken by the present invention to achieve the predetermined invention purpose, the embodiments of the present invention are described in detail below. Examples of the embodiments are shown in the accompanying drawings, wherein the same or similar reference numerals throughout represent the same or similar elements or elements with the same or similar functions. The embodiments described below are only some embodiments of the present invention, not all 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 embodiments of the present invention. Through the description of the specific implementation methods, the technical means and effects taken by the present invention to achieve the predetermined purpose can be more deeply and specifically understood, and the attached drawings are only for reference and explanation purposes, and are not used to limit the present invention.

[0026] Amortization, in English, refers to the accounting treatment method of allocating the cost of intangible assets such as operating assets that can be used for a long time, other than fixed assets, according to their useful life (monthly limit) every year (monthly limit), which is similar to the depreciation of fixed assets. Amortization expenses can be included in administrative expenses to reduce current profits, but have no impact on operating cash flow.

[0027] See also Figure 1 , Figure 1 FIG. 1 is a flow chart of an amortization management method according to the first embodiment of the present invention. Figure 1 As shown, the amortization management method provided in this embodiment includes the following steps:

[0028] S11: Obtain repayment plan information, which includes repayment plan details, accrual type, and calculation identifier for calculating the initial value of amortization.

[0029] Specifically, a repayment plan (including repayment details, such as receivable / repayment type, receivable / repayment date, rent per period / repayment amount per period, total repayment amount, principal, interest and remaining principal, etc.) is calculated based on the repayment calculation parameters selected by the target user, such as loan amount, interest, repayment method (equal principal, equal principal and interest, etc.), contract term, etc., and a change identifier such as a change code is generated to represent the status of the repayment plan. The status of the repayment plan (such as unchanged, changed, and settled, etc.) can be confirmed through the change identifier. The initial status of the change identifier is NEWL (starting version, indicating that the repayment plan has not changed).

[0030] The following is an explanation using interest as an example. As shown in Table 1, the repayment plan is as follows. The receivable type (41R2 represents interest) represents the repayment content of the current repayment plan.

[0031] Table 1

[0032] Receivable Type Receivable date Amount 41R2 20240320 2351.25 41R2 20240420 1964 41R2 20240520 1574.92 41R2 20240620 1183.98 41R2 20240720 791.19 41R2 20240820 396.53

[0033] It should be noted that a plurality of configuration tables between receivable types and calculation identifiers are preset, as shown in Table 2:

[0034] Table 2

[0035] Receivable Type Calculation ID 41R2 ZR0031

[0036] In the receivable type and calculation identifier configuration table, the association relationship between the receivable type and the calculation identifier is set. The corresponding calculation identifier can be obtained through the receivable type. The above table can be flexibly configured according to the repayment plan.

[0037] Table 2 only takes interest as an example. The receivable type and calculation identifier configuration table is configured with multiple receivable types and calculation identifiers, and each receivable type corresponds to a calculation identifier.

[0038] The configuration table between the change code (i.e., change identifier, which is described below using the change code as an example), accrual type, amortization algorithm, and calculation identifier is pre-set, as shown in Table 3:

[0039] Table 3

[0040] Change Code Accrual Type Amortized Algorithm Calculation ID NEWL ZR21 INTEREST ZR0031 RESC ZR21 INTEREST ZR0031

[0041] Through Table 3, first obtain the change code, and then confirm the target accrual type through the change code, as well as the calculation identifier and amortization algorithm used when calculating the amortization plan.

[0042] It should be noted that the repayment plan and the change flag exist at the same time (that is, when the repayment plan is generated, a change flag is automatically set), and the corresponding repayment plan is different depending on the status of the change flag. The change flag is adjusted according to the repayment plan, but the original repayment plan still exists after the repayment plan is changed. Therefore, after the repayment plan is changed, it is necessary to obtain the repayment plan based on the change flag, as well as the accrual type, amortization algorithm, and calculation flag information to be used.

[0043] The concept of accrual is very important in accounting. It involves how to correctly record and reflect the financial status of an enterprise. When using the accrual basis for accounting, all income that should be obtained in the current period, regardless of whether the payment is received, is treated as income of the current period; all expenses that should be borne in the current period, regardless of whether the payment is paid, are treated as expenses of the current period. This treatment method helps to more accurately reflect the financial status and operating results of the enterprise.

[0044] It should be noted that the accrual type is pre-configured and related to the repayment plan. The accrual type may include: interest excluding tax, interest tax, management fee and installment management fee, etc., which are not restricted here.

[0045] The calculation mark is obtained through formula configuration and is mainly used to calculate the initial value of amortization. The configuration table of the calculation mark is shown in Table 4:

[0046] Table 4

[0047]

[0048] Among them, the calculation type is used to describe the type of calculation identification (such as ZR0028, fixed value, 0.06, etc.). When the corresponding calculation type is a method, different logical processing is performed according to the method parameters. The parameters in Table 4 can be flexibly configured, such as the method parameter. When the accrual type "principal" needs to be amortized, the corresponding method parameter is 41R3 (41R3 is the principal number / code).

[0049] Table 4 above is explained by taking calculation identifier ZR0031 as an example. From Table 3 and Table 4, it can be seen that the calculation identifier ZR0031 corresponding to the accrual type ZR21 is: SUMINT / (1+0.06). Among them, the method parameter of SUMINT in Table 4 is 41R2, that is, the total interest; and 41R2 can be obtained through the repayment plan shown in Table 1 (if 41R2, that is, the total interest, exists in the database, 41R2 can be directly obtained).

[0050] S12: Get the initial amortization value of the accrual type based on the repayment plan details and calculation identifier.

[0051] Specifically, the total repayment amount (such as the total interest and total management fees, etc.) can be confirmed through the repayment plan details, and the calculation mark can be used to obtain the initial value of the accrual type amortization.

[0052] For example, the total repayment amount (i.e., total interest) of the repayment plan shown in Table 1 is 8261.87. Through Table 2 and / or Table 3, it can be confirmed that the corresponding calculation identifier is ZR0031, and the accrual type is ZR21 (interest excluding tax). Then, through Table 4, the calculation identifier ZR0031 can be obtained: 41R2 / (1+0.06). By replacing 41R2 with the total repayment amount in Table 1, the initial amortization value of the accrual type ZR21 (interest excluding tax) can be calculated as: 8261.87 / (1+0.06)=7794.22.

[0053] In other implementations, if a repayment plan has multiple accrual types, it is necessary to calculate the initial amortization value of each accrual type (if there are multiple accrual types), and then calculate the amortization plan of each accrual type according to the corresponding amortization algorithm based on the initial amortization value.

[0054] It should be noted that the initial amortization value of the accrual type is related to the repayment plan and calculation flag. Generally speaking, if the calculation flag does not change, the higher the total repayment amount of the repayment plan (which is determined by the number of repayment periods and interest rate, etc.), the higher the initial amortization value.

[0055] S13: Generate a corresponding amortization plan according to the initial amortization value and the preset amortization algorithm.

[0056] The amortization plan includes: amortization details corresponding to the accrual type. The amortization algorithm generally uses the interest ratio method and the actual interest rate method. In other implementations, a special amortization algorithm can also be set through the provided custom enhancement entry.

[0057] Among them, the calculation logic of the proportion method is: the amortization amount of the Nth period = the interest of the Nth period / Σ total interest * the initial value of the accrual type amortization. The actual interest rate method: The actual interest rate method requires the principal of each period of the repayment plan to be regarded as the cash inflow, and the fee amount (after tax) - the loan amount to be regarded as the cash outflow, and calculates the actual internal rate of return (IRR). Then calculate the amortization amount according to the following formula:

[0058] Amortization amount per period = remaining principal of the previous period * IRR;

[0059] Principal of each period = current rent - current amortization amount;

[0060] Remaining principal = remaining principal of previous period - current principal.

[0061] Through the above method, the corresponding amortization plan can be automatically generated according to the repayment plan, change identification and other information, thereby improving the efficiency of amortization management and the accuracy of amortization expense calculation.

[0062] Optionally, after the step of generating a corresponding amortization plan according to the amortization initial value and the preset amortization algorithm, the method includes: when it is detected that the amortization plan needs to be posted, posting the amortization plan according to a preset posting date to obtain the corresponding posting amount of the amortization plan on the target financial account; and generating a posting voucher based on the corresponding posting amount on the target financial account.

[0063] Posting refers to the process of recording economic transactions in the accounts after preparing accounting entries. Specifically, posting is to record the data in the journal into the corresponding financial accounting account items, and record them in the debit or credit side of the detailed classification account respectively.

[0064] The need to post the amortization plan may be detected when a posting request is received or when a preset posting period (such as setting the 28th of each month as the posting date) is reached.

[0065] Optionally, the amortization plan is posted according to a preset posting date to obtain the posting amount corresponding to the amortization plan on the target financial account, including: obtaining the target financial account corresponding to the accrual type; and determining the posting amount corresponding to the amortization plan on the target financial account based on the preset posting date and the target financial account corresponding to the accrual type.

[0066] The preset posting date can be set by the system preset, such as one month before the posting date, or three months before the posting date, etc.; you can also manually enter a date range when posting.

[0067] For example, posting can be performed at the end of each month, obtaining the amortization plan that needs to be posted, presetting the posting date (e.g., January to March, which is a time range in the amortization plan), and automatically determining the financial account and posting amount corresponding to the amortization plan when posting. Among them, the posting amount = the accumulated amount up to the current period - the posted amount.

[0068] Specifically, according to Table 5, the feature combination can be determined by the accrual type (using the accrual type, ZR21, interest (excluding tax price) as an example), and then combined with Table 6, the financial account can be determined by the feature combination, and finally the purpose of obtaining the financial account corresponding to the accrual type in the amortization plan is achieved. As shown in the following two tables:

[0069] Table 5

[0070] Accrual Type Accrual Type Name Feature combination ZR21 Interest (excluding tax) Z312

[0071] Table 6

[0072]

[0073]

[0074] Specifically, after confirming the financial account and posting amount corresponding to the accrual type in the amortization plan, the financial account and posting amount and other information are sent to the financial system (such as UFIDA, Kingdee and SAP), and a voucher is generated, and then the voucher number sent back by the financial system is received. At the same time, a log record management function is provided to record the posting information and a failure compensation mechanism (for example, the financial system processes the received financial account and posting amount data, and if the processing fails, it needs to be reprocessed).

[0075] Optionally, the step of obtaining the corresponding accrual type and amortization plan according to the repayment plan information for posting to automatically determine the relevant financial accounts and amounts of the amortization plan includes: obtaining the quantity information of the amortization plan; when the quantity of the amortization plan exceeds a preset quantity, using a parallel calculation method to determine the relevant financial accounts and amounts of each amortization plan according to the repayment plan information and the corresponding accrual type and amortization plan.

[0076] Specifically, in order to improve the efficiency of posting in big data scenarios, for example, if there are too many amortization plans, reaching hundreds of thousands, the processing speed will be slow if parallel computing is not introduced for processing. Therefore, when the amount of data to be processed is too large, parallel computing needs to be used to improve processing efficiency in order to quickly obtain the financial accounts and amounts in each amortization plan.

[0077] Optionally, the repayment plan information also includes a change identifier for characterizing the status of the repayment plan; after the step of generating a corresponding amortization plan based on the initial amortization value and the preset amortization algorithm, it includes: when it is detected that the change identifier is in a changed state, obtaining the changed repayment plan details; and generating a changed amortization plan based on the changed repayment plan details.

[0078] Among them; the change identification includes: lease start status, change status and settlement status.

[0079] Specifically, if the repayment plan changes, the corresponding amortization plan also needs to be changed. Therefore, after confirming that the repayment plan has changed through the change mark, obtain the changed repayment plan details, and then generate the changed amortization plan based on it.

[0080] Change code: Before the change version (starting version), it is called NEWL, after the change, it is called RESC, and after the settlement, it is called TERM. That is, the start status, change status, and settlement (completion) status all have change codes. The change status means that the repayment plan has changed, but it is not settled. The settlement status means that the repayment plan is completed.

[0081] Optionally, generating a changed amortization plan based on the changed repayment plan details includes: obtaining the initial amortization value after the change of the accrual type based on the changed total repayment amount and the calculation identifier; obtaining the changed amortization plan based on the changed initial amortization value and the preset amortization algorithm.

[0082] Among them, the details of the repayment plan after the change include: the changed total repayment amount.

[0083] According to the changed repayment plan details and change identifier, the corresponding accrual type and calculation identifier can be obtained, so as to obtain the changed amortization initial value of the accrual type according to the changed repayment plan details and calculation identifier. Then, according to the changed amortization initial value and the preset amortization algorithm, the changed amortization plan is obtained.

[0084] Specifically, the changed initial value of amortization is obtained through the total repayment amount of the changed repayment plan and the calculation identifier.

[0085] It should be noted that the calculation identifiers corresponding to different accrual types may be different, so even if the total repayment amount is the same, the initial amortization values ​​of different accrual types may be different.

[0086] Optionally, after regenerating the amortization plan corresponding to the repayment plan according to the repayment change information, the process includes: invalidating the repayment plan details and the amortization plan corresponding to the change date.

[0087] Specifically, before the repayment plan is changed, the corresponding original amortization plan is generated based on the original repayment plan. Therefore, after the repayment plan is changed, the change date of the repayment plan (the state change date of the change indicator) is determined by the change indicator, and the original repayment plan and the original amortization plan after the change date are invalidated.

[0088] The original amortization plan is the amortization plan obtained based on the original repayment plan. After the repayment plan changes, the accrual type amortization plan also needs to be changed. Among them, the repayment plan changes include: the customer cannot pay the money and needs to extend the period, the contract period is extended, and some periods do not need to be repaid, etc.

[0089] Specifically, obtain the details of the changed repayment plan (including the repayment plan), and invalidate the amortization plan after the change date of the original version. The new version of the repayment plan takes the residual value of the accrued type according to the change date of the previous version (that is, the changed initial amortization value, which is used as the initial amortization value of the new amortization plan), and then amortizes the new version of the repayment plan based on the residual value, the preset amortization method and the new version of the repayment plan to obtain the new version of the amortization plan.

[0090] It should be noted that the original amortization plan is invalidated, which only means the amortization plan after the repayment plan change date. The amortization plan before the change date is still valid and can still be reviewed.

[0091] Through the above method, when the repayment plan changes, the change record can be reflected (the corresponding original amortization plan is still saved, but part of the amortization plan will be invalidated), and after the repayment plan changes, the new amortization plan can be automatically recalculated, and the financial account and account amount corresponding to the accrual type can be automatically determined during posting, and sent to the financial system for posting, realizing the integration of business and finance. At the same time, the parallel computing module is introduced to speed up the determination of financial accounts and amounts, as well as the speed of generating posting vouchers.

[0092] See also Figure 2 , Figure 2 FIG. 2 is a flow chart showing the main body of an amortization management method according to the second embodiment of the present invention. Figure 2As shown, the main process of an amortization management method shown in this embodiment is: first, according to the change code and the repayment plan, determine the accrual type and the corresponding calculation identifier of the accrual type. If the change code is NEWL, it means that it is the lease version, and the first version and the corresponding amortization plan are generated at this time. If it is not the change code NEWL (it is the change version RESC), a change version is generated according to the change date, and the amortization plan after the change date of the first version is invalidated; in the new version, the residual value of the accrual type is taken according to the change date of the previous version, and then amortized according to the repayment plan of the new version to obtain the amortization plan of the new version. When amortization is posted, the financial account and amount are determined according to the effective repayment plan (that is, the changed repayment plan), and the posted amount is sent to the corresponding financial system for posting through the parallel computing module, and the corresponding log and the corresponding relationship between the corresponding period and voucher number are recorded.

[0093] Amortization Management Example:

[0094] Due to space limitations and the complexity of the related amortization, this example only shows the pro rata amortization of non-taxable interest.

[0095] Assuming the initial transmission repayment plan, change code NEWL, line item number 100, the repayment plan is as follows (due to space limitations, only interest is shown, and other intangible assets such as management fees can also be shown), 41R2 identifies interest (the table contains information such as the total repayment amount, contract term / number of repayment periods, and repayment amount per period), please refer to Tables 1 to 3 above.

[0096] Based on the above configuration tables (Tables 1 to 3), the corresponding calculation identifier is obtained from the repayment plan through the configuration tables between the receivable type and the calculation identifier. The configuration tables between the change code, accrual type, amortization algorithm, and calculation identifier set the two scenarios of starting lease (change code NEWL) and change (change code RESC), ZR21 (interest excluding tax) is amortized using the proportional method (INTEREST), and the initial amortization value of its accrual type can be determined by the calculation identifier ZR0031.

[0097] Calculation identifier configuration table (the main function of the calculation identifier is to determine the initial value of amortization of the corresponding accrual type), please refer to Table 4.

[0098] From Table 4, we can know that the calculation identifier ZR0031: SUMINT / (1+0.06) can be used to calculate the initial amortization value of the accrual type ZR21 (interest excluding tax), which is the total value (i.e., total repayment amount, total interest in the table) of the corresponding version (e.g., the repayment plan of line item number 100) corresponding to the repayment plan 41R2: 8261.87 / (1+0.06) = 7794.22. If the repayment plan is changed, the initial amortization value of the changed version is still calculated according to the above formula, but the value obtained by the SUMINT calculation identifier is the total interest of the changed version (i.e., the repayment plan after the change, such as the repayment plan of line item number 200 below) (i.e., the total repayment amount; it is different from the amount of the original version of the repayment plan, but can be the same in special cases). The value of other expenses (other expenses that need to be amortized other than interest, such as management fees) depends on the specific configuration, and the calculation engine determines the relevant initial amortization value. Based on the above, the first version of the amortization details of the accrual type ZR21 (interest excluding tax) is calculated by the proportional method (compared with the repayment plan shown in Table 1, the tax in each period amount is removed) as shown in Table 7:

[0099] Table 7

[0100]

[0101] Assume that the repayment plan is changed from the second period in the first version 100, the line item number after the change is 200, the change code is RESC, and the interest repayment plan for each period (total repayment amount: 6562.51) is shown in Table 8:

[0102] Table 8

[0103] Receivable Type Receivable date Amount 41R2 2024-04-20 2001 41R2 2024-05-20 1998 41R2 2024-06-20 1183.98 41R2 2024-07-20 983 41R2 2024-08-20 396.53

[0104] According to the previous configuration, the accrual type, calculation flag, and amortization algorithm of the repayment plan are obtained to recalculate the amortization details / amortization amount per period / amortization plan. The amortization algorithm is still the proportional method. The amortization details / amortization plan of version 200 are shown in Table 9:

[0105] Table 9

[0106]

[0107] The amortization plans after the version 100 change date are marked as invalid (they can still be viewed), as shown in Table 10:

[0108] Table 10

[0109]

[0110] Automatic account determination configuration: You can use Table 5 to use the accrual type in the repayment plan to first determine the feature combination, and then use Table 6 to use the feature combination to determine the financial account / accounting account.

[0111] If the amortization plan is changed, for the changed amortization plan, assuming that the amortization plan is run on 2024-05-31, and concurrent execution is not considered, for the above example, the cumulative amount up to the current period minus the cumulative posted amount of ZR21 is used to obtain the current posted amount according to the formula.

[0112] Posting amount = cumulative amount up to the current period - ΣZR21 posted amount

[0113] Assuming that no posting has been run before 2024-05-31, the posting amount is the sum of the accrued amounts of the effective amortization details of the two versions (the amortization plans corresponding to repayment plans 100 and 200) with an end date less than or equal to 2024-05-31. That is, the effective accrued amount of 2,218.16 in the first version plus the effective accrued amount of 1887.74+1884.91 in the second version, a total of 5990.81. Assuming that no posting has been run before, the posted amount of ΣZR21 is 0, so the posting amount calculated by the above formula is 5990.81.

[0114] The final generated voucher details are shown in Table 11:

[0115] Table 11

[0116] Lender suject Amount borrow 15130102 5990.81 loan 60010335 -5990.81

[0117] For the display of multi-version amortization plans and repayment plans, this can be achieved through the linkage of the three-level menu. Select the corresponding version (line item, repayment plan) to display all accrual types of this version. Select one of the accrual types, such as ZR21, to display the amortization details / amortization plan and posting details of this accrual type. If you add related expense items (accrual types) that need to be amortized, such as management fees, interest (tax amount), etc., you can implement amortization by making relevant configurations according to the above configurations, which flexibly supports actual business changes.

[0118] In this implementation mode, the relevant amortization details can be automatically calculated through the transfer plan to generate an amortization plan and the financial accounting subjects can be automatically determined, and then sent to the financial system for automatic posting to generate posting vouchers, thereby realizing the integration of business and finance.

[0119] See also Figure 3 and Figure 4 , Figure 3 This is a schematic diagram of the structure of an amortization management device according to the second embodiment of the present invention. Figure 4 This is a framework diagram of an amortization management device according to the second embodiment of the present invention.

[0120] like Figure 3 As shown, the amortization management device includes: an accrual type confirmation module and an amortization calculation module; the accrual type confirmation module is used to obtain repayment plan information, the repayment plan information includes repayment plan details, accrual type and a calculation identifier for calculating the initial amortization value; the amortization calculation module is used to obtain the initial amortization value of the accrual type according to the repayment plan details and the calculation identifier; and generate a corresponding amortization plan according to the initial amortization value and a preset amortization algorithm.

[0121] Optionally, the amortization management device also includes: a repayment plan calculation module, which is used to confirm the repayment plan according to the repayment calculation parameters and the contract period, and when the repayment plan changes, the change identifier and the changed repayment plan are sent to the accrual type confirmation module; a posting management module, which is used to post the amortization plan according to a preset posting date when receiving a posting request for the amortization plan, and obtain the corresponding posting amount of the amortization plan on the target financial account; a voucher generation module, which is used to generate a posting voucher according to the corresponding posting amount on the target financial account.

[0122] Specifically, the repayment plan calculation module calculates a repayment plan (including repayment date, rent per period, principal, interest, and remaining principal) based on calculation parameters such as loan amount, interest rate, repayment method (equal principal, equal principal and interest, etc.), and contract term. After the repayment plan is changed, the change code and the changed repayment plan are transmitted to the subsequent accrual type confirmation module.

[0123] Specifically, the accrual type confirmation module performs version management according to the change identifier, and confirms the accrual type, the corresponding calculation identifier, and the amortization algorithm according to the change identifier. The calculation identifier is configured through a formula and calls the calculation engine to obtain the initial value of amortization.

[0124] Specifically, the amortization calculation module generates the amortization details of the corresponding accrual type based on the initial amortization value and the specific amortization algorithm. It mainly supports the interest ratio method and the actual interest rate method. At the same time, it provides a custom enhancement entry to support special amortization algorithms.

[0125] Proportional method calculation logic: Nth period amortization amount = Nth period interest / Σ total interest * accrual type amortization initial value.

[0126] The actual interest rate method: The actual interest rate method requires that the principal of each repayment period be regarded as cash inflow, and the fee amount (after tax) - loan amount be regarded as cash outflow to calculate the actual internal rate of return (IRR). Then the amortization amount is calculated according to the following formula.

[0127] Amortization amount per period = remaining principal of the previous period * IRR

[0128] Principal of each period = current rent - current amortization amount

[0129] Remaining principal = Remaining principal of the previous period - Current principal

[0130] Specifically, the posting management module can post the amortization details in the corresponding accrual type amortization plan at the end of each month by inputting the corresponding repayment plan identifier and presetting the posting date, and automatically determine the financial account and posting amount.

[0131] Specifically, the voucher automatic generation module mainly transmits the automatically determined financial subjects and posting amounts to the financial system (such as UFIDA, Kingdee, SAP) to generate posting vouchers, and accepts the voucher number written back by the financial system. At the same time, it provides log record management functions and failure compensation mechanisms.

[0132] Optionally, the amortization management device further includes: a parallel processing module and a system configuration module.

[0133] Specifically, the parallel processing module is mainly used to improve the efficiency of posting in big data scenarios. For example, there may be hundreds of thousands of amortization plans. If the parallel processing module is not introduced, the speed will be slow.

[0134] Specifically, the system configuration module mainly maintains configuration information such as accrual type, calculation identifier, account, amortization algorithm, etc. to adapt to complex business changes.

[0135] This implementation method manages the amortization plan based on multiple versions. When the repayment plan changes, the change record can be reflected, and the amortization plan is automatically recalculated after the change, and the account and account amount are automatically determined, realizing the integration of business and finance. At the same time, the parallel calculation module is introduced to speed up the generation of month-end vouchers.

[0136] The present invention also provides an electronic device, comprising: a memory and a processor, wherein an amortization management program is stored in the memory, and when the amortization management program is executed by the processor, the steps of the amortization management method as described in any one of the above are implemented.

[0137] 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 amortization management method as described in any one of the above are implemented.

[0138] It should be understood that, although the steps in the flowchart of the accompanying drawings are displayed in sequence as indicated by the arrows, these steps are not necessarily executed in sequence in the order indicated by the arrows. Unless otherwise specified herein, there is no strict order restriction on the execution of these steps, and they can be executed in other orders. Moreover, at least a portion of the steps in the accompanying drawings may include multiple sub-steps or multiple stages, and these sub-steps or stages are not necessarily executed at the same time, but can be executed at different times, and their execution order is not necessarily sequential, but can be executed in turn or alternately with other steps or at least a portion of the sub-steps or stages of other steps.

[0139] Through the description of the above implementation methods, those skilled in the art can clearly understand that the embodiments of the present invention can be implemented by hardware, or by means of software plus a necessary general hardware platform. Based on such an understanding, the technical solution of the embodiments of the present invention can be embodied in the form of a software product, which can be stored in a non-volatile storage medium (which can be a CD-ROM, a USB flash drive, a mobile hard disk, etc.), including a number of instructions for enabling a computer device (which can be a personal computer, a server, or a network device, etc.) to execute the methods described in each implementation scenario of the embodiments of the present invention.

[0140] The preferred embodiments of the present invention are described in detail above in conjunction with the accompanying drawings, but the present invention is not limited to the specific details in the above embodiments. The above embodiments and drawings are exemplary. The modules or processes in the drawings are not necessarily required to implement the embodiments of the present invention and cannot be understood as limitations on the present invention. Within the technical concept of the present invention, the technical scheme of the present invention can be subjected to a variety of simple modifications and combinations, and these simple modifications and combinations all belong to the protection scope of the present invention.

Claims

1. A method for amortization management, characterized in that: include: Obtaining repayment plan information, the repayment plan information including repayment plan details, accrual type, and calculation identifier for calculating initial amortization value; According to the repayment plan details and the calculation identifier, obtaining an initial amortization value of the accrual type; A corresponding amortization plan is generated according to the amortization initial value and the preset amortization algorithm.

2. The amortization management method according to claim 1, characterized in that: After the step of generating a corresponding amortization plan according to the amortization initial value and the preset amortization algorithm, the method further comprises: When it is detected that the amortization plan needs to be posted, the amortization plan is posted according to a preset posting date to obtain a posting amount corresponding to the amortization plan on a target financial account; Generate a posting voucher based on the corresponding posting amount on the target financial account.

3. The amortization management method according to claim 2, characterized in that: The step of performing posting processing on the amortization plan according to the preset posting date to obtain the posting amount corresponding to the amortization plan on the target financial account includes: Obtain the target financial account corresponding to the accrual type; According to the preset posting date and the target financial account corresponding to the accrual type, the posting amount corresponding to the amortization plan on the target financial account is determined.

4. The amortization management method according to claim 1, characterized in that: The repayment plan information also includes a change indicator for representing the repayment plan status; After the step of generating a corresponding amortization plan according to the amortization initial value and the preset amortization algorithm, the method further comprises: When it is detected that the change indicator is in a changed state, obtaining the changed repayment plan details; Generate a changed amortization plan based on the changed repayment plan details.

5. The amortization management method according to claim 4, characterized in that: The details of the repayment plan after the change include the changed total repayment amount; The modified amortization plan is generated according to the modified repayment plan details, including: According to the changed total repayment amount and the calculation identifier, obtaining the initial amortization value after the accrual type is changed; According to the changed amortization initial value and the preset amortization algorithm, a changed amortization plan is obtained.

6. The amortization management method according to claim 4, characterized in that: After the amortization plan corresponding to the repayment plan is regenerated according to the repayment change information, the method includes: The repayment plan details and the amortization plan corresponding to the change date will be invalidated.

7. An amortization management device, characterized in that: include: Accrual type confirmation module and amortization calculation module; The accrual type confirmation module is used to obtain repayment plan information, which includes repayment plan details, accrual type, and calculation identifier for calculating the initial value of amortization; The amortization calculation module is used to obtain the initial amortization value of the accrual type according to the repayment plan details and the calculation identifier; and generate a corresponding amortization plan according to the initial amortization value and a preset amortization algorithm.

8. The amortization management device according to claim 7, characterized in that: The amortization management device further comprises: A repayment plan calculation module, used to confirm the repayment plan according to the repayment calculation parameters and the contract period, and when the repayment plan changes, send the change identifier and the changed repayment plan to the accrual type confirmation module; A posting management module, configured to, upon receiving a posting request for the amortization plan, perform posting processing on the amortization plan according to a preset posting date, and obtain a posting amount corresponding to the amortization plan on a target financial account; The voucher generation module is used to generate a posting voucher according to the corresponding posting amount on the target financial account.

9. An electronic device, characterized in that: The electronic device comprises: a memory and a processor, wherein an amortization management program is stored in the memory, and when the amortization management program is executed by the processor, the steps of the amortization management method according to any one of claims 1 to 6 are implemented.

10. A computer-readable storage medium, characterized in that: The computer-readable storage medium stores a computer program, and when the computer program is executed by a processor, the steps of the amortization management method according to any one of claims 1 to 6 are implemented.

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