Urban village project fund automatic supervision system and management method

Abstract

The invention discloses a village-in-city project fund automatic supervision system and a management method, and the system carries out the closed-loop management of use application, fund use examination and approval, use transfer and supervision of bank specialized households on the three aspects of borrowing, using and returning around a fund pool formed by the borrowing of a village-in-city project specialized item. The system comprises a village-in-city fund monitoring module which is used for monitoring the whole life cycle of the village-in-city fund, and carrying out the statistical analysis of fund classification, early warning indexes and project progress; the government affair terminal is used for managing project services and approving and paying project funds; and the bank end performs data real-time interaction with the bank characteristic end and the village-in-city fund monitoring module through an interface bus, and performs account checking and management on fund and account data. According to the scheme, closed management of urban village project funds is realized.

Description

Technical Field

[0001] The present invention relates to the field of code development technology, and in particular to an automated supervision system and management method for urban village project funds. Background Art

[0003] In order to ensure the rational, standardized and safe use of project funds, strengthen the use of special loan funds for special purposes, especially in the process of using funds, to review and approve the withdrawal purposes of various types of funds, and to grasp the core elements such as the inflow and outflow information, balance information, transaction information, business approval nodes, etc. of all funds in the fund supervision account, it is necessary to establish a sound fund management mechanism. Summary of the invention

[0004] The present invention proposes an automated supervision system and management method for urban village project funds, which implements closed management of project funds, and integrates the entire fund process including comprehensive management and control of projects, application for fund use, approval for fund use, fund classification management and control, fund allocation, supervision, flow management and control, account management and control, statistics, early warning, indicator monitoring and analysis, etc. The specific technical scheme is as follows.

[0005] First, an automated supervision system for urban village project funds, focusing on the fund pool formed by special loans for urban village projects, conducts closed-loop management of borrowing, use and repayment, including application for use, approval of fund use, allocation of funds, and supervision of bank special accounts, including: Urban Village Fund Monitoring Module: monitors the entire life cycle of urban village funds, and conducts statistical analysis of fund classification, early warning indicators, and project progress; Government affairs: manage project business, approve and allocate project funds; Bank side: Real-time interaction with the bank’s feature side and the urban village fund monitoring module data through the interface bus to reconcile and manage funds and account data.

[0006] Specifically, the government affairs management content includes: project management, fund application, fund allocation, project progress management, account management, fund recovery, fund reconciliation, supervision agreement management, abnormal warning, statistical analysis, cash flow management and bank directory management.

[0007] Specifically, the bank-side management content includes: cash flow management, fund collection, fund withdrawal management, land acquisition and demolition business management, fund reconciliation and account management.

[0008] Specifically, the government end and the bank end share data, handle and approve business online through interface interaction to prevent idle funds and misappropriation of funds.

[0009] Specifically, the online processing of the business includes: providing online application for the use of special loan funds of the project company, uploading usage details and requirements data, establishing an online approval mechanism for approval, connecting with the bank interface, completing cross-system element sharing, timely data communication, and real-time query of regulatory account balances, transfer details and transaction details.

[0010] Specifically, the online application for the use of special loan funds automatically generates a corresponding withdrawal notice based on the type of funds and the direction of funds flow, which is then pushed to the policy bank for review. The loan is then disbursed after the review is passed; after the project company's special account receives the funds, it is disbursed one by one.

[0011] Specifically, the online approval mechanism includes: the project company initiates an application for the use of special loan funds, and after the business is created, it is subject to internal audit by the project company, review by the command office, and approval by the command leader; if a street is involved, the public-to-private business street initiates an application for the use of funds, fills in the application information through the interface, uploads the corresponding list of required elements and the declared amount, the collection account and the payment account content information according to the purpose of the funds, and generates the corresponding use business according to the flow of funds.

[0012] On the other hand, a method for managing an automated supervision system for urban village project funds is provided, which is used to manage an automated supervision system for urban village project funds, and includes the following steps: The bank obtains the special loan fund use and allocation business information according to the instructions pushed by the government affairs interface, conducts a secondary information review through the bank's internal audit mechanism, and pushes the review results to the government affairs side simultaneously; After the review is passed, the bank will redeem and push the data information of the pending transfer business to the bank's internal system for subsequent fund transfer; After the transfer, the transaction information generated by the business will be pushed to the bank's special terminal, and then the bank's special terminal will push the transaction information to the government terminal, forming a closed business loop; Allocation will be made gradually according to the business fund usage categories.

[0013] Specifically, the use of the special loan funds adopts the reimbursement system, and the project borrowing company, urban village streets, policy banks and regulated commercial banks are constrained through the online signing of a four-party supervision agreement.

[0014] Specifically, the business fund usage categories include: resettlement housing construction and initial construction costs, expropriation compensation costs and working capital costs, and the business categories are divided into public-to-public and public-to-private.

[0015] Beneficial effects of the invention: The invention proposes an automated supervision system and management method for urban village project funds. Through a series of processes such as the collection of project information, application for the use of special loan funds, withdrawal, bank fund lending, transfer, and generated cash flow, a complete business processing mechanism, an online approval mechanism, application for the use of different fund use categories, a use transfer mechanism, and an account management mechanism are constructed. By establishing a sound fund management mechanism, the rational, standardized, and safe use of project funds is guaranteed, closed operation and special funds are used for special purposes. A set of management methods are formed, which are strictly issued, used, returned, and managed in accordance with standardized processes, and it is strictly prohibited to intercept, squeeze or misappropriate, or call in violation of regulations. BRIEF DESCRIPTION OF THE DRAWINGS

[0016] Figure 1 This is an architecture diagram of an automated supervision system for urban village project funds of the present invention; Figure 2 This is a schematic diagram of online business processing in an embodiment of the present invention; Figure 3 This is a schematic diagram of a fund use application in an embodiment of the present invention; Figure 4 It is a schematic diagram of the online approval flow mechanism in an embodiment of the present invention. DETAILED DESCRIPTION

[0017] In order to have a clearer understanding of the technical features, purposes and effects of the present invention, specific embodiments of the present invention are now described with reference to the accompanying drawings.

[0018] The present invention proposes an automated supervision system and management method for urban village project funds. In the first aspect, an automated supervision system for urban village project funds is provided. The structure of the system is as follows: Figure 1 As shown in the figure, the fund pool formed by the special loan for the urban village project conducts closed-loop management of application for use, approval for use of funds, allocation of use, and supervision of special bank accounts in terms of borrowing, use, and repayment, including: Urban Village Fund Monitoring Module: monitors the entire life cycle of urban village funds, and conducts statistical analysis of fund classification, early warning indicators, and project progress; Government affairs: manage project business, approve and allocate project funds; Bank side: Real-time interaction with the bank’s feature side and the urban village fund monitoring module data through the interface bus to reconcile and manage funds and account data.

[0019] In this embodiment, the management content of the government affairs end includes: project management, fund application, fund allocation, project progress management, account management, fund recovery, fund reconciliation, supervision agreement management, abnormal warning, statistical analysis, cash flow management and bank directory management.

[0020] In this embodiment, the bank-side management content includes: cash flow management, fund collection, fund withdrawal management, land acquisition and demolition business management, fund reconciliation and account management.

[0021] In this embodiment, the government end and the bank end share data, handle and approve business online through interface interaction, and prevent idle funds and misappropriation of funds.

[0022] In this embodiment, online business processing includes: providing online application for the use of special loan funds of the project company, uploading usage details and requirements data, establishing an online approval mechanism for approval, connecting with the bank interface, completing cross-system element sharing, timely data communication, and real-time query of regulatory account balances, transfer details and transaction details.

[0023] In this embodiment, the online application for special loan funds automatically generates a corresponding withdrawal notice based on the fund type and fund flow, and pushes it to the policy bank for review. The loan is released after the review is passed; after the project company's special account receives the funds, it will be disbursed one by one.

[0024] In this embodiment, the online approval mechanism specifically includes: the project company initiates an application for the use of special loan funds, and after the business is created, it is subject to internal audit by the project company, review by the command office, and approval by the command leader; if a street is involved, the public-to-private business street initiates an application for the use of funds, fills in the application information through the interface, uploads the corresponding list of required elements and the declared amount, the collection account and the payment account content information according to the purpose of the funds, and generates the corresponding use business according to the flow of funds.

[0025] The present invention also proposes a management method for an automated supervision system for urban village project funds, comprising the following steps: The bank obtains the special loan fund use and allocation business information according to the instructions pushed by the government affairs interface, conducts a secondary information review through the bank's internal audit mechanism, and pushes the review results to the government affairs side simultaneously; After the review is passed, the bank will redeem and push the data information of the pending transfer business to the bank's internal system for subsequent fund transfer; After the transfer, the transaction information generated by the business will be pushed to the bank's special terminal, and then the bank's special terminal will push the transaction information to the government terminal, forming a closed business loop; Allocation will be made gradually according to the business fund usage categories.

[0026] In this embodiment, the use of special loan funds adopts the reimbursement system, and the project loan company, urban village streets, policy banks and regulatory commercial banks are constrained by signing a four-party supervision agreement online.

[0027] In this embodiment, the business fund usage categories include: resettlement housing construction and initial construction period costs, expropriation compensation costs and working capital costs, and the business categories are divided into public-to-public and public-to-private.

[0028] In one embodiment, the overall planning of the system is constructed around the interaction between the government terminal, the bank feature terminal, the urban village fund monitoring platform and the bank. The specific design is as follows: Figure 1 As shown in the figure; the system monitoring scenario mainly focuses on the fund pool formed by special loans, and conducts application for use, approval for fund use, allocation of use, and closed-loop management of special accounts of supervisory banks in three aspects: borrowing, using, and repaying. One project of urban village fund supervision corresponds to one supervisory account. As the borrowing subject, policy banks allocate funds to policy bank project company special accounts according to the purpose of various funds to form a fund pool. Public-to-public business: transfer from company special accounts to other accounts of other banks. Public-to-private business: transfer from company special accounts to supervisory commercial banks, and then from commercial banks to personal accounts. Project company repayment: repayment to fiscal expenditure funds through land listing transaction funds, and then repayment to policy banks.

[0029] The system management method for automated supervision of funds for urban village projects adopts the following management means for supervision: the use of funds adopts the reimbursement system through the online signing of a four-party supervision agreement to constrain the project borrowing company, the street, the policy bank, and the regulatory commercial bank through account management and control, and the use of funds is applied through online application, online collection of relevant elements and information, and the proportion of funds. The online process review mechanism is used to interact with the government and bank systems and share data to prevent idle funds and misappropriation of funds.

[0030] Account reporting system: Establish a complete functional interaction design process for the system, improve the fund use process management mechanism, and all projects must be completed through system entry.

[0031] Online business processing: Figure 2 As shown, the project fund use business process is handled online: providing online application for project company fund use, uploading of usage details, uploading of requirements, etc., establishing a flexible online approval process engine to approve at each level, and connecting with the bank interface to complete cross-system element sharing, timely data communication, and real-time query of regulatory account balances, transfer details, transaction details, etc.

[0032] Application for use of funds: Figure 3 As shown, the application for project fund use (collection of approval requirements, explanation of fund use, and approval at each level) automatically generates a corresponding withdrawal notice based on the fund category and fund flow, which is then sent to the policy bank for review. The loan will be released only after the review is passed. When the project company's special account receives the funds, it will be disbursed one by one (public to public, public to private).

[0033] Online approval flow mechanism: Figure 4As shown, the application for fund use is mainly initiated by the project company. After the business is created, it will be reviewed by the project company internally, reviewed by the headquarters office, and signed by the headquarters leader. If the street participates, the public-to-private business street can also initiate the application for fund use, fill in and complete the application information through the interface, upload the corresponding list of required items according to the purpose of the funds, declare the amount, collection account, payment account and other content information, and generate the corresponding use business according to the flow of funds.

[0034] Prevent idleness: Through the early warning mechanism, early warning trigger time nodes are set for each fund category (such as T+1 for loan disbursement, T+1 for transfer to special accounts within the bank, 6 months for working capital supervision, T+3 for completion of fund disbursement for demolition and relocation business supervision, early warning for use of multiple large amounts of working capital, early warning for failure to disburse loans on time, early warning for failure to redeem funds in time, etc.). Through the system's automatic early warning, automatic dispatching, and handling feedback, a business closed loop is formed from problem discovery to dispatching and handling.

[0035] Prevent misappropriation: Full-process supervision of fund accounts, establishment of liability for breach of contract through the signing of a four-party supervision agreement; it is agreed that the flow of funds generated by each bank transfer must be pushed to the government affairs system in real time, and the government affairs system will conduct fund reconciliation and comparison. If there is any abnormality in the fund reconciliation, the system will issue an early warning.

[0036] Build a closed loop of early warning and disposal: By setting up an early warning mechanism, set early warning trigger time nodes for fund categories (such as T+1 for loan disbursement, T+1 for transfers within the bank's special account, 6 months for working capital supervision, T+3 for completion of payment of funds for demolition and requisition business supervision, early warning for the use of multiple large amounts of working capital, early warning for failure to disburse loans on time, early warning for failure to redeem funds in time, etc.), through the system's automatic early warning, automatic dispatching of orders, and disposal feedback, a business closed loop is formed from problem discovery to dispatching of orders for disposal.

[0037] Data sharing: Share business data with relevant functional departments or units involved in business processing through interface interaction to improve the efficiency of online business processing.

[0038] This management method will dynamically fill in business information, upload required information, and go through different workflows for approval based on different categories of purposes. The uses of funds are mainly divided into: resettlement housing construction / preliminary construction costs, expropriation compensation costs, and working capital costs. Business categories are divided into public-to-public and public-to-private.

[0039] In this embodiment, the resettlement housing construction-use application fee process includes: Only project company accounts can apply. When adding a new account, manually enter the relevant account information, loan account information, and upload the required documents; Approval mechanism: After the business is created, it will be reviewed by the project company, reviewed by the headquarters office, and signed by the headquarters leaders; After approval, a "loan" withdrawal notice business data will be automatically created and pushed to the B-side policy commercial bank; In this embodiment, the initial construction period-use application fee process includes: Only project company accounts can apply for it. When adding a new account, manually enter the relevant account information, loan account information, and upload the required documents; Approval mechanism: After the business is created, it will be reviewed by the project company, reviewed by the headquarters office, and signed by the headquarters leaders; After approval, a "loan" withdrawal notice business data will be automatically created with a status of pending redemption and pushed to the B-end policy commercial bank.

[0040] In this embodiment, the collection of compensation fees-use application process includes: Both the project company account and the street account can apply. When adding a new account, manually enter the relevant account information, collection contract details, import the collection contract attachment information, payment account information, and upload relevant information. Approval mechanism: After the business is created, it will be reviewed by the project company, reviewed by the headquarters office, and signed by the headquarters leaders; After approval, a "loan" withdrawal notice business data will be automatically created with a status of pending redemption and pushed to the B-end policy commercial bank.

[0041] In this embodiment, the working capital-use application fee process includes: Only project company accounts can apply. When adding a new account, manually enter the relevant account information, loan account information, and upload the required documents; Approval mechanism: After the business is created, it will be reviewed by the project company, reviewed by the headquarters office, and signed by the headquarters leaders; After approval, a "loan" withdrawal notice business data will be automatically created with a status of pending redemption and pushed to the B-side policy commercial bank.

[0042] Withdrawal process: Withdrawal is mainly done by automatically generating related withdrawal business after the application for fund use is reviewed and approved. First, the loan business is generated and the policy requirements are approved. The bank makes fund disbursements and fully disburses the application amount to the project company's special account. Then, the relevant collection account and payment account are dynamically loaded according to the fund use category, and the system makes subsequent fund disbursements. For public-to-public business, the project company's special account makes external disbursements. For public-to-private business, the corresponding project company's supervision commercial bank account and the street supervision commercial bank account make external disbursements.

[0043] In this embodiment, the resettlement housing construction fee-use withdrawal is applied for by the project company account: 1. Generate a loan withdrawal notice [payer: policy bank main account, payee: project company special account] 2. Generate a withdrawal notice [Payer: Project Company Special Account, Payee: Third-Party Corporate Account] Preliminary work expenses - use withdrawal, apply from the project company account: 1. Generate a loan withdrawal notice [payer: policy bank main account, payee: project company special account] 2. Generate a withdrawal notice [Payer: Project Company Special Account, Payee: Third-Party Corporate Account] Collection of compensation expenses-use withdrawal: (1) Application by project company account: 1. Generate a loan withdrawal notice [payer: policy bank main account, payee: project company special account] 2. Generate a withdrawal notice [Payer: Project Company Special Account, Payee: Project Company Regulatory Commercial Bank Account] (2) Application by street account: 1. Generate a loan withdrawal notice [payer: policy bank main account, payee: project company special account] 2. Generate a withdrawal notice [Payer: Project Company Special Account, Payee: Street Special Account] 3. Generate a withdrawal notice [payee: street special account, payee: street supervision commercial bank account] Working capital expense withdrawal - use withdrawal: can only be used for collection compensation. First, transfer the amount in the working capital account to the corresponding regulated commercial bank account, and push the bank feature end policy bank to generate a use withdrawal business. The policy bank role account manually clicks "redeem" to make an internal transfer. To generate a transaction flow, you need to associate the transaction flow with the withdrawal notice status on the bank feature end, and push the transaction flow to the government end to change the use withdrawal business status to "redeemed". The project company account applies for: (1) When the project has no street conditions: 1. Generate a loan withdrawal notice [payer: policy bank main account, payee: project company special account] 2. Generate a withdrawal notice [Payer: Project Company Special Account, Payee: Project Company Regulatory Commercial Bank Account] (2) When the project has street conditions: 1. Generate a loan withdrawal notice [payer: policy bank main account, payee: project company special account] 2. Generate a withdrawal notice [Payer: Project Company Special Account, Payee: Street Special Account] 3. Generate a withdrawal notice [payee: street special account, payee: street supervision commercial bank account] The government affairs end (G end) and the bank-specific end (B end) share data and handle business online through interface interaction. The bank end obtains information on the use and transfer of funds according to the instructions pushed by the government affairs end interface, conducts a secondary information review through the bank's internal audit mechanism, and pushes the review results to the government affairs system (G end) simultaneously. After the review is passed, the bank will redeem and push the data information of the business to be transferred to the bank's internal system for subsequent fund transfer. After the transfer, the transaction information generated by the business will be pushed to the bank-specific end (B end), and then the bank-specific end (B end) will push the transaction information to the government affairs system (G end) simultaneously to form a business closed loop, and the transfer will be carried out step by step according to the business fund use category.

[0044] The urban village project fund supervision and management method is to strengthen the dynamic supervision of the management entities (project companies, street offices, policy banks and regulated commercial banks) on the use of funds. Through a series of processes such as the collection of project information, application for the use of special loan funds, withdrawal, bank fund lending, transfer, and generated cash flow, a complete business processing mechanism, online approval mechanism, application for the use of different types of funds, use transfer mechanism and account management mechanism are established. By establishing a sound fund management mechanism, the rational, standardized and safe use of project funds is guaranteed, and a set of management methods are formed, with closed operation and special funds for special purposes, and the issuance, use, return and management are strictly in accordance with standardized processes. It is strictly prohibited to intercept, squeeze or misappropriate or call for funds in violation of regulations.

[0045] The present invention has shown and described the basic principles and main features of the present invention and the advantages of the present invention. Those skilled in the art should understand that the present invention is not limited to the above embodiments. The above embodiments and descriptions are only for explaining the principles of the present invention. Without departing from the spirit and scope of the present invention, the present invention may have various changes and improvements, which fall within the scope of the present invention. The scope of protection of the present invention is defined by the attached claims and their equivalents.

Claims

1. An automated supervision system for urban village project funds, characterized in that: The fund pool formed by the special loan for the urban village project is managed in a closed loop including application for borrowing, use and repayment, approval for fund use, allocation of funds, and supervision of bank special accounts, including: Urban Village Fund Monitoring Module: monitors the entire life cycle of urban village funds, and conducts statistical analysis of fund classification, early warning indicators, and project progress; Government affairs: manage project business, approve and allocate project funds; Bank side: Real-time interaction with the bank’s feature side and the urban village fund monitoring module data through the interface bus to reconcile and manage funds and account data.

2. According to claim 1, the automated supervision system for urban village project funds is characterized in that: The government affairs management content includes: project management, fund application, fund allocation, project progress management, account management, fund recovery, fund reconciliation, supervision agreement management, abnormal warning, statistical analysis, cash flow management and bank directory management.

3. The automated supervision system for urban village project funds according to claim 1 is characterized in that: The bank-side management content includes: cash flow management, fund collection, fund withdrawal management, land acquisition and demolition business management, fund reconciliation and account management.

4. The automated supervision system for urban village project funds according to claim 1 is characterized in that: The government affairs end and the bank end share data, handle and approve business online through interface interaction, and prevent idle funds and misappropriation of funds.

5. The automated supervision system for urban village project funds according to claim 4 is characterized in that: The online handling of the business includes: providing online application for the use of special loan funds by the project company, uploading usage details and requirements data, establishing an online approval mechanism for approval, connecting with the bank interface to complete cross-system element sharing, timely data communication, and real-time query of regulatory account balances, transfer details and transaction details.

6. The automated supervision system for urban village project funds according to claim 5 is characterized in that: The online application for the use of special loan funds will automatically generate corresponding withdrawal notices according to the type of funds and the direction of funds flow, and push them to the policy bank for review. The loan will be released after the review is passed; after the project company's special account receives the funds, it will be disbursed one by one.

7. The automated supervision system for urban village project funds according to claim 5 is characterized in that: The online approval mechanism specifically includes: the project company initiates an application for the use of special loan funds, and after the business is created, it is subject to internal audit by the project company, review by the command office, and approval by the command leader; if a street is involved, the street for public-to-private business initiates an application for the use of funds, fills in the application information through the interface, uploads the corresponding list of required elements and the declared amount, the collection account and the payment account content information according to the purpose of the funds, and generates the corresponding use business according to the flow of funds.

8. A method for managing an automated supervision system for urban village project funds, used to manage an automated supervision system for urban village project funds as claimed in any one of claims 1 to 7, characterized in that: The following steps are involved: The bank obtains the special loan fund use and allocation business information according to the instructions pushed by the government affairs interface, conducts a secondary information review through the bank's internal audit mechanism, and pushes the review results to the government affairs side simultaneously; After the review is passed, the bank will redeem and push the data information of the pending transfer business to the bank's internal system for subsequent fund transfer; After the transfer, the transaction information generated by the business will be pushed to the bank's special terminal, and then the bank's special terminal will push the transaction information to the government terminal, forming a closed business loop; Allocation will be made gradually according to the business fund usage categories.

9. The method for managing an automated supervision system for urban village project funds according to claim 8, characterized in that: The use of the special loan funds is based on the reimbursement system, and the project borrowing company, urban village streets, policy banks and regulatory commercial banks are constrained through the online signing of a four-party supervision agreement.

10. The method for managing an automated supervision system for urban village project funds according to claim 8, characterized in that: The categories of business fund uses include: resettlement housing construction and initial construction costs, expropriation compensation costs and working capital costs. Business categories are divided into public-to-public and public-to-private.

Images