Data processing method and device, storage medium and electronic equipment

Abstract

The invention discloses a data processing method and device, a storage medium and electronic equipment. Relates to the field of data processing, and the method comprises the steps: obtaining the cost information of a to-be-spread financing cost, and obtaining the target cost information, the target cost information comprising at least one of the following: the cost type of the financing cost, the financing type of a financing project to which the financing cost belongs, and the lending time of the financing project; obtaining a corresponding relationship between the multiple pieces of cost information and the multiple amortization calculation modes, and determining a target amortization calculation mode matched with the target cost information from the multiple amortization calculation modes based on the corresponding relationship; and calculating the sharing information of the financing cost based on the target sharing calculation mode. According to the invention, the technical problem that the labor cost is high due to the fact that the spreading calculation mode corresponding to the financing cost is manually determined to calculate the spreading information of the financing cost in the related technology is solved.

Description

Technical Field

[0001] The present invention relates to the field of data processing, and in particular to a data processing method, device, storage medium and electronic device. Background Art

[0002] In modern corporate financial management, financing activities are an important means for enterprises to obtain funds, expand production scale and optimize capital structure. With the expansion of enterprise scale and changes in market environment, financing methods are becoming increasingly diversified, including but not limited to issuing bonds, obtaining bank loans, and conducting financial leasing. While these financing methods bring funds to enterprises, they also generate corresponding financing costs. At present, the relevant technology relies on manually determining the amortization calculation method corresponding to the financing cost to calculate the amortization information of the financing cost, which results in the problem of high labor costs.

[0003] To address the above-mentioned problems, no effective solution has been proposed yet. Summary of the invention

[0004] The embodiments of the present invention provide a data processing method, device, storage medium and electronic device to at least solve the technical problem that the related art relies on manually determining the amortization calculation method corresponding to the financing cost to calculate the amortization information of the financing cost, which has high labor costs.

[0005] According to one aspect of an embodiment of the present invention, there is provided a data processing method, comprising: obtaining cost information of financing costs to be amortized to obtain target cost information, wherein the target cost information comprises at least one of the following: cost type of financing costs, financing type of financing projects to which the financing costs belong, and loan duration of financing projects; obtaining a correspondence between multiple cost information and multiple amortization calculation methods, and determining a target amortization calculation method that matches the target cost information from the multiple amortization calculation methods based on the correspondence; and calculating the amortization information of the financing costs based on the target amortization calculation method.

[0006] Furthermore, the data processing method also includes: when the target amortization calculation method is the straight-line method, using the target amortization calculation method to calculate the amortization information of the financing costs based on the total cost of the financing costs.

[0007] Furthermore, the data processing method also includes: when the target amortization calculation method is the effective interest rate method, obtaining project information of the financing project, wherein the project information at least includes the financing amount of the financing project and the interest information of the financing amount; using the target amortization calculation method, calculating the amortization information of the financing costs based on the total cost of the financing costs and the project information.

[0008] Furthermore, the data processing method also includes: obtaining the financing amount and interest rate information of the financing project; obtaining the arrival time of the financing amount and the repayment time of the financing project; based on the preset project information calculation rules, calculating the interest information according to the financing amount, interest rate information, arrival time and repayment time, wherein the financing amount is accrued on a monthly basis, and the interest information includes the interest sub-information of each interest period in the monthly interest accrual; determining the project information based on the interest information and the financing amount.

[0009] Furthermore, the data processing method also includes: after calculating the amortization information of the financing costs based on the target amortization calculation method, generating a document to be approved according to the amortization information, and sending the document to be approved to the first approval object; upon receiving the first approval information fed back by the first approval object, generating a financial voucher based on the amortization information, wherein the first approval information indicates that the document to be approved has been approved, and the financial voucher is the voucher required to execute the account issuance processing.

[0010] Furthermore, the data processing method also includes: after generating a financial voucher based on the amortization information, sending the financial voucher to a second approval object; upon receiving second approval information fed back by the second approval object, generating reminder information based on the financial voucher, and sending the reminder information to the target object, wherein the second approval information indicates that the financial voucher has been approved, and the reminder information is used to remind the target object to perform account issuance based on the financial voucher.

[0011] Furthermore, the data processing method also includes: receiving a financing contract sent by a user; extracting from the financing contract the cost type of the financing fee, the financing type of the financing project to which the financing fee belongs, and the loan duration of the financing project; and determining the target cost information based on at least one of the cost type of the financing fee, the financing type of the financing project to which the financing fee belongs, and the loan duration of the financing project.

[0012] According to another aspect of an embodiment of the present invention, a data processing device is also provided, including: a first acquisition module, used to acquire cost information of financing costs to be amortized, and obtain target cost information, wherein the target cost information includes at least one of the following: cost type of financing costs, financing type of financing projects to which the financing costs belong, and loan duration of financing projects; a second acquisition module, used to acquire the correspondence between multiple cost information and multiple amortization calculation methods, and determine the target amortization calculation method that matches the target cost information from the multiple amortization calculation methods based on the correspondence; a calculation module, used to calculate the amortization information of the financing costs based on the target amortization calculation method.

[0013] According to another aspect of an embodiment of the present invention, a computer-readable storage medium is provided, in which a computer program is stored, wherein the computer program is configured to execute the above-mentioned data processing method when running.

[0014] According to another aspect of an embodiment of the present invention, an electronic device is also provided, which includes one or more processors; a memory for storing one or more programs, so that when the one or more programs are executed by the one or more processors, the one or more processors are implemented to run the programs, wherein the programs are configured to execute the above-mentioned data processing method when running.

[0015] In an embodiment of the present invention, a method of automatically matching amortization calculation methods according to cost information of financing costs is adopted. By acquiring the cost information of the financing costs to be amortized, target cost information is obtained, and then the correspondence between multiple cost information and multiple amortization calculation methods is obtained. Based on the correspondence, a target amortization calculation method matching the target cost information is determined from multiple amortization calculation methods, thereby calculating the amortization information of the financing costs based on the target amortization calculation method.

[0016] In the above process, by acquiring the cost information of the financing costs to be amortized, the target cost information is obtained, and the effective acquisition of the relevant characteristic information of the financing costs to be amortized is realized. By obtaining the correspondence between multiple cost information and multiple amortization calculation methods, and determining the target amortization calculation method that matches the target cost information from multiple amortization calculation methods based on the correspondence, the amortization information of the financing costs is calculated. Based on the preset correspondence, the corresponding target amortization calculation method is automatically matched from multiple amortization calculation methods according to the relevant characteristic information of the financing costs to be amortized, thereby realizing the automatic determination of the amortization calculation method, improving the accuracy and flexibility of determining the amortization calculation method, and reducing labor costs.

[0017] It can be seen that the solution provided in this application achieves the purpose of automatically matching the amortization calculation method according to the expense information of the financing expenses, thereby realizing the technical effect of reducing labor costs, and further solving the technical problem of high labor costs in the related technology that relies on manual determination of the amortization calculation method corresponding to the financing expenses to calculate the amortization information of the financing expenses. BRIEF DESCRIPTION OF THE DRAWINGS

[0018] The drawings described herein are used to provide a further understanding of the present invention and constitute a part of this application. The exemplary embodiments of the present invention and their descriptions are used to explain the present invention and do not constitute an improper limitation of the present invention. In the drawings:

[0019] Figure 1 is a schematic diagram of an optional data processing method according to an embodiment of the present invention;

[0020] Figure 2 is a schematic diagram of an optional configuration correspondence relationship according to an embodiment of the present invention;

[0021] Figure 3 is a schematic diagram of an optional method for determining a target amortization calculation according to an embodiment of the present invention;

[0022] Figure 4 is a schematic diagram of an optional calculation of amortization information according to an embodiment of the present invention;

[0023] Figure 5 is a schematic diagram of an optional processing of amortization information according to an embodiment of the present invention;

[0024] Figure 6 is a flow chart of an optional data processing method according to an embodiment of the present invention;

[0025] Figure 7 is a schematic diagram of an optional data processing device according to an embodiment of the present invention;

[0026] Figure 8 is a schematic diagram of an optional electronic device according to an embodiment of the present invention. DETAILED DESCRIPTION

[0027] In order to enable those skilled in the art to better understand the scheme of the present invention, the technical scheme in the embodiments of the present invention will be clearly and completely described below in conjunction with the drawings in the embodiments of the present invention. Obviously, the described embodiments are only part of the embodiments of the present invention, not all of the embodiments. Based on the embodiments of the present invention, all other embodiments obtained by ordinary technicians in this field without creative work should fall within the scope of protection of the present invention.

[0028] It should be noted that the terms "first", "second", etc. in the specification and claims of the present invention and the above-mentioned drawings are used to distinguish similar objects, and are not necessarily used to describe a specific order or sequence. It should be understood that the data used in this way can be interchanged where appropriate, so that the embodiments of the present invention described herein can be implemented in an order other than those illustrated or described herein. In addition, the terms "including" and "having" and any variations thereof are intended to cover non-exclusive inclusions, for example, a process, method, system, product or device that includes a series of steps or units is not necessarily limited to those steps or units that are clearly listed, but may include other steps or units that are not clearly listed or inherent to these processes, methods, products or devices.

[0029] It should be noted that the user information (including but not limited to user device information, user personal information, etc.) and data (including but not limited to data used for analysis, stored data, displayed data, etc.) involved in this application are all information and data authorized by the user or fully authorized by all parties, and the collection, use and processing of relevant data must comply with relevant laws, regulations and standards in the relevant regions, and provide corresponding operation entrances for users to choose to authorize or refuse.

[0030] Example 1

[0031] According to an embodiment of the present invention, an embodiment of a data processing method is provided. It should be noted that the steps shown in the flowchart of the accompanying drawings can be executed in a computer system such as a set of computer executable instructions, and although a logical order is shown in the flowchart, in some cases, the steps shown or described can be executed in an order different from that shown here.

[0032] Figure 1 is a schematic diagram of an optional data processing method according to an embodiment of the present invention, such as Figure 1 As shown, the method comprises the following steps:

[0033] Step S101, obtaining cost information of the financing costs to be amortized, and obtaining target cost information, wherein the target cost information includes at least one of the following: cost type of the financing costs, financing type of the financing project to which the financing costs belong, and loan duration of the financing project.

[0034] Optionally, electronic devices, application systems, servers and other devices may be used as the execution subject of the present application. In this embodiment, the target processing system is used as the execution subject to execute the data processing method.

[0035] Optionally, financing costs are various expenses incurred by an enterprise in the process of raising funds (i.e., during the financing process). For example, financing costs can be handling fees, commissions, guarantee fees, appraisal fees, consulting fees, etc. Amortizing financing costs refers to the process of allocating financing costs to multiple periods according to a certain method during its income period.

[0036] Optionally, the target fee information may be directly entered into the target processing system by the user, or the user may enter the financing contract into the target processing system, and then the target processing system extracts the target fee information from the financing contract.

[0037] Optionally, the target cost information includes at least one of the following: the cost type of the financing cost, the financing type of the financing project to which the financing cost belongs, and the loan duration of the financing project. The cost type of the financing cost includes but is not limited to handling fees, commissions, guarantee fees, evaluation fees, consulting fees, underwriting fees, etc., and the financing type of the financing project to which the financing cost belongs includes but is not limited to loans, bond issuance, financial leasing, etc.

[0038] Step S102, obtaining a correspondence between a plurality of expense information and a plurality of amortization calculation methods, and determining a target amortization calculation method that matches the target expense information from the plurality of amortization calculation methods based on the correspondence.

[0039] In some embodiments, the cost information includes the cost type, the financing type and the loan duration. The target cost information includes the cost type of the financing cost to be amortized, the financing type of the financing project to which the financing cost to be amortized belongs, and the loan duration of the financing project to be amortized.

[0040] In some embodiments, the multiple amortization calculation methods include at least a straight-line method and an effective interest method.

[0041] For example, Figure 2 is a schematic diagram of an optional configuration correspondence relationship according to an embodiment of the present invention, such as Figure 2 As shown, the user can first set the expense type of the financing fee, then set the financing type of the financing project to which the financing fee belongs, and then set the loan period of the financing project, and then select the amortization calculation method corresponding to the first three information that have been set, and you can get a correspondence between the expense information and the amortization calculation method. Thus, after multiple settings by the user, you can get a correspondence between multiple expense information and multiple amortization calculation methods.

[0042] For example, Figure 3 is a schematic diagram of an optional method for determining a target amortization calculation according to an embodiment of the present invention, such as Figure 3 As shown, in the process of determining the target amortization calculation method, the target processing system can determine the expense type of the financing expenses to be amortized, the financing type of the financing project to which the financing expenses belong, and the loan duration of the financing project, and then match the corresponding amortization calculation method based on the first three information, and determine the amortization calculation method as the target amortization calculation method.

[0043] Optionally, the enterprise where the target processing system is located can pre-set different depreciation calculation methods according to its own financial strategies and accounting requirements, and freely set the correspondence between the depreciation calculation methods and expense information to meet the personalized needs of the enterprise.

[0044] Step S103, calculating amortization information of the financing cost based on the target amortization calculation method.

[0045] Optionally, after determining the target amortization calculation method, the target processing system may calculate the amortization information of the financing fee according to the target amortization calculation method.

[0046] In some embodiments, amortization information can be understood as amortization full life cycle information, which at least includes the amortization amount corresponding to each period of the financing cost in multiple amortization periods. The amortization full life cycle information may also include the target amortization calculation method corresponding to the financing cost, the target cost information of the financing cost, the time range corresponding to each period of the financing cost amortization, etc.

[0047] Optionally, the target processing system includes a front-end interactive interface, through which the user can input data, specify the amortization calculation method, view the amortization results and generate reports. The user can also customize the content and format of the report as needed.

[0048] Optionally, the target processing system may also include a security and compliance module to ensure that system operations comply with financial compliance requirements and provide data security and access control functions to protect corporate data from the risk of unauthorized access and tampering, thereby improving data security.

[0049] Based on the scheme defined in the above steps S101 to S103, it can be known that in an embodiment of the present invention, a method of automatically matching the amortization calculation method according to the cost information of the financing costs is adopted, and the target cost information is obtained by obtaining the cost information of the financing costs to be amortized, and then the correspondence between multiple cost information and multiple amortization calculation methods is obtained, and based on the correspondence, the target amortization calculation method that matches the target cost information is determined from the multiple amortization calculation methods, thereby calculating the amortization information of the financing costs based on the target amortization calculation method.

[0050] It is easy to notice that in the above process, by acquiring the cost information of the financing costs to be amortized and obtaining the target cost information, the effective acquisition of the relevant characteristic information of the financing costs to be amortized is achieved, and by obtaining the correspondence between multiple cost information and multiple amortization calculation methods, and determining the target amortization calculation method that matches the target cost information from multiple amortization calculation methods based on the correspondence, the amortization information of the financing costs is calculated, and the corresponding target amortization calculation method is automatically matched from multiple amortization calculation methods based on the preset correspondence according to the relevant characteristic information of the financing costs to be amortized, thereby achieving automatic determination of the amortization calculation method, improving the accuracy and flexibility of determining the amortization calculation method, and reducing labor costs.

[0051] It can be seen that the solution provided in this application achieves the purpose of automatically matching the amortization calculation method according to the expense information of the financing expenses, thereby realizing the technical effect of reducing labor costs, and further solving the technical problem of high labor costs in the related technology that relies on manual determination of the amortization calculation method corresponding to the financing expenses to calculate the amortization information of the financing expenses.

[0052] In an optional embodiment, in the process of obtaining the cost information of the financing costs to be amortized and obtaining the target cost information, the target processing system can receive the financing contract sent by the user, and then extract the cost type of the financing costs, the financing type of the financing project to which the financing costs belong, and the loan period of the financing project from the financing contract, thereby determining the target cost information based on at least one of the cost type of the financing costs, the financing type of the financing project to which the financing costs belong, and the loan period of the financing project.

[0053] Optionally, the financing contract includes the cost type of the financing fee, the financing type of the financing project to which the financing fee belongs, the loan period of the financing project, and may also include the loan amount of the financing project, interest rate information (such as annual interest rate), the total cost of the financing fee, the repayment time of the financing project, etc.

[0054] The target processing system can extract the cost type of financing fees, the financing type of the financing project to which the financing fees belong, and the loan duration of the financing project from the contract content of the financing contract based on OCR recognition technology or by using a large language model, thereby determining the target cost information based on at least one of the cost type of financing fees, the financing type of the financing project to which the financing fees belong, and the loan duration of the financing project.

[0055] It should be noted that through the above process, the entire process from data collection to amortization execution is highly automated, reducing manual input errors and repetitive work, thereby reducing labor costs and effectively improving the efficiency of calculating amortization information.

[0056] In an optional embodiment, when the target amortization calculation method is the straight-line method, in the process of calculating the amortization information of the financing costs based on the target amortization calculation method, the target processing system can use the target amortization calculation method to calculate the amortization information of the financing costs based on the total cost of the financing costs.

[0057] For example, financing costs need to be amortized over multiple periods, and the amortization information includes at least the amortization amount corresponding to each period of the financing costs in the multiple amortization periods. Optionally, the calculation formula for the amortization amount of the current period other than the last period can be: Amortization amount of the current period = Amortization amount on the expense day * Actual amortization days of the current period. The amounts involved in the formula refer to the original currency amounts. Among them, the amortization amount on the expense day and the actual amortization days of the current period are as follows:

[0058] (1) Daily amortization amount = Amount of expense (excluding tax) / Total amortization period

[0059] a. Fee amount (excluding tax) = Fee amount (including tax) / (1 + tax rate), where Fee amount (including tax) is equivalent to the above financing fee;

[0060] b. Total amortization period: If the financing cost is recorded in the contract stage, the total cost amortization period = the termination date of the financing contract - the expected payment date of the cost. If the financing cost is recorded in the withdrawal stage, the total cost amortization period = the end date of the payment (i.e. the time when the loan amount of the financing project is received) - the expected payment date of the cost.

[0061] (2) Actual amortization days for this period

[0062] a. If the expenses are recorded in the contract stage, the current amortization start date is the amortization start date of the current amortization cycle and the estimated payment date of the expenses, whichever is later; the current amortization end date is the amortization end date of the current amortization cycle and the contract termination date, whichever is earlier;

[0063] b. If the expense is recorded in the withdrawal stage, the current amortization start date is the amortization start date of the current amortization cycle and the expected payment date of the expense, whichever is later; the current amortization end date is the amortization end date of the current amortization cycle and the payment end date, whichever is earlier;

[0064] c. Amortization period of this period: Determine the amortization start date and end date according to the accrual plan. If the accrual period is monthly and the accrual date = 20, then the start date of the amortization period of 2023-12 is 2023-11-21 to 2023-12-20.

[0065] Optionally, the calculation formula for the current period amortization amount for the last period can be: expense amount (excluding tax) - accumulated amortized amount.

[0066] For example, Figure 4 is a schematic diagram of an optional calculation of amortization information according to an embodiment of the present invention, such as Figure 4 As shown, when the target processing system determines that the target amortization calculation method is the straight-line method, it first determines the total amortization period of the expense, then calculates the actual amortization days for each period, and then calculates the daily amortization amount of the expense, thereby determining the amortization amount for each period based on the aforementioned determined information.

[0067] Based on the above formula, the target processing system can calculate the amortization amount corresponding to each period of the financing cost in multiple amortization periods, thereby determining the amortization information.

[0068] It should be noted that, through the above process, the accuracy of determining amortization information is improved.

[0069] Optionally, when the target amortization calculation method is the effective interest method, in the process of calculating the amortization information of the financing costs based on the target amortization calculation method, the target processing system can obtain project information of the financing project, wherein the project information includes at least the financing amount of the financing project and the interest information of the financing amount, thereby using the target amortization calculation method to calculate the amortization information of the financing costs based on the total cost of the financing costs and the project information.

[0070] In some embodiments, the project information of the financing project can be understood as the financing life cycle information, which refers to the information of the entire cycle from the time when the loan amount of the financing project is received to the time when the loan amount is repaid. The project information includes but is not limited to the principal income (i.e., the financing amount), the interest calculation start date and the interest calculation end date (monthly interest accrual) corresponding to the financing amount, the time when the interest corresponding to the financing amount is to be paid each time, the interest amount to be paid each time, the time when the principal is to be repaid each time (installment repayment), and the principal amount to be repaid each time. Among them, the financing amount refers to the loan amount that has been received for the financing project. In some embodiments, the financing amount is the same as the loan amount.

[0071] In some embodiments, the financing amount is accrued on a monthly basis, and the interest information includes interest sub-information of each interest period in the monthly interest accrual, the interest sub-information includes the interest calculation start dates and interest calculation end dates corresponding to the above-mentioned financing amount (interest is accrued on a monthly basis), the time when each interest corresponding to the financing amount is to be paid, and the amount of interest to be paid each time.

[0072] Optionally, when the target amortization calculation method is the effective interest method, the target processing system can calculate the amortization information in the following way:

[0073] (1) Beginning amortized cost

[0074] a. The first phase: issue price (i.e., the amount of financing received) - fee amount (including tax) + deductible input tax. In this embodiment, the bonds are issued at par, and the issue price is equivalent to the amount of financing received. Non-bonds also directly obtain the amount of financing received from the payment record and substitute it into the issue price. Among them, the fee amount (including tax) is equivalent to the above-mentioned financing fee;

[0075] b. Not the first period: directly obtain the amortized cost at the end of the previous period.

[0076] (2) Actual interest for this period: beginning amortized cost*actual annual interest rate*actual number of amortization days for this period / interest-bearing base, where “actual number of amortization days for this period” refers to the number of interest-bearing days between the interest-bearing start date and the interest-bearing end date in the same interest-bearing period in the above-mentioned project information, and “interest-bearing base” refers to the base number of days actually used to calculate the interest.

[0077] (3) Interest payable for this period: the interest payable during the interest settlement period, amortized to the total amount of interest payable during this amortization period. If the interest is settled annually and amortized monthly, and the annual interest is 120, then the interest payable for this period is 120 / 12=10. The total amount of interest payable during this amortization period is the amount of interest to be paid each time in the above-mentioned project information.

[0078] (4) Amortization amount for the current period

[0079] a. Non-last 3 periods: actual interest of this period - interest payable of this period;

[0080] b. Last 3 periods: (expense amount (tax included) - deductible input tax - total amount previously allocated) / 3.

[0081] (5) Amortized cost at the end of the period: amortized cost at the beginning of the period + amortization in the current period.

[0082] (6) Effective interest rate (year): calculated using the XIRR function with 8 decimal places. XIRR (Extended Internal Rate of Return) is a financial function used to calculate the internal rate of return of a series of irregular cash flows.

[0083] (7) Cash flow:

[0084]

[0085] Based on the above content, the target processing system can calculate the amortization amount corresponding to each period of the financing cost in multiple amortization periods, thereby determining the amortization information.

[0086] In some embodiments, situations where a re-amortization process is required are described.

[0087] (1) Under the effective interest rate method, if the record of this expense type has not been amortized, the actual interest rate and amortization amount will need to be recalculated when the expense type, expense allocation method, expense amount, tax rate, expected payment date, interest payment date, interest payment amount, and repayment plan (or actual repayment) of the expense record are changed. The amortization amount will also need to be recalculated when the contract termination date / payment termination date is modified.

[0088] (2) Under the effective interest rate method, if there is a record of this expense type for amortization, the "expense type, expense allocation method, and expense amount" of this expense cannot be modified. The "expense expected payment date" has been used, so whether it is changed or not will not affect the expense amortization period. However, there may be scenarios where it may need to be changed when paying the expense, so this field is not controlled.

[0089] (3) If the same payment already has an amortized order for the same expense type, and if the tax amount of the existing expense record is modified, then: the beginning amortized cost of the period after the largest period of the order record (defined in this article as "the smallest period without order") = the ending amortized cost of the largest period of the order record + (new tax amount - old tax amount), and starting from the "smallest period without order", recalculate the actual interest rate (XIRR) of the unordered period, and simultaneously recalculate the corresponding actual interest of the current period, the amortization amount of the current period, and the amortized cost at the end of the period. Whether the interest payable for the current period needs to be recalculated is determined based on the interest settlement elements.

[0090] (4) If the same payment has an amortized order with the same expense type, and the interest settlement element and repayment plan are modified, then: the beginning amortized cost of the smallest period that has not been issued = the ending amortized cost of the largest period that has been issued + (new principal and interest payment plan - old principal and interest payment plan), the latest principal and interest payment plan is used to participate in the cash flow, calculate the effective interest rate method (XIRR) of the period that has not been issued, and simultaneously recalculate the corresponding actual interest of the current period, the amortization of the current period, and the ending amortized cost. Whether the interest payable of the current period needs to be recalculated is determined based on the interest settlement element.

[0091] (5) If the same expense type has been amortized for the same payment, and a new expense record of the same type is added, then: the beginning amortized cost = the ending amortized cost of the largest period of the record, and the newly added expenses are included in the cash flow, the effective interest rate method (XIRR) of the period without the record is calculated, and the corresponding actual interest of the current period, the amortization amount of the current period, and the ending amortized cost are recalculated simultaneously. Whether the interest payable of the current period needs to be recalculated is determined based on the interest settlement elements.

[0092] It should be noted that, through the above process, the accuracy of determining amortization information is improved.

[0093] In an optional embodiment, in the process of obtaining project information of a financing project, the target processing system can obtain the financing amount and interest rate information of the financing project, and then obtain the arrival time of the financing amount and the repayment time of the financing project, and then based on a preset project information calculation rule, calculate the interest information according to the financing amount, interest rate information, arrival time and repayment time, wherein the financing amount is accrued on a monthly basis, and the interest information includes the interest sub-information of each interest period in the monthly interest accrual, thereby determining the project information based on the interest information and the financing amount.

[0094] Optionally, the amount of financing received for the financing project may be obtained by the target processing system from the payment record according to the project name of the financing project, and the payment record may be pre-registered in the target processing system by the staff, and the payment record may include at least the amount of financing received and the payment time. The interest rate information may be obtained by the target processing system from the financing contract, and the interest rate information may be annual interest rate information.

[0095] Optionally, the arrival time of the financing amount can be obtained by the target processing system from the payment record according to the project name of the financing project, and the repayment time of the financing project can be obtained by the target processing system from the financing contract.

[0096] After obtaining the financing amount, interest rate information, the time of receipt of the financing amount, and the repayment time of the financing project, the target processing system can calculate the interest information based on the financing amount, interest rate information, the time of receipt, and the repayment time based on the preset project information calculation rules. The project information calculation rules represent the rules for calculating the interest information based on the financing amount, interest rate information, the time of receipt, and the repayment time.

[0097] In some embodiments, the amount of financing received is accrued on a monthly basis, and the interest information includes the interest sub-information of each period of interest in the monthly interest accrual, and the interest sub-information includes the various interest calculation start dates and various interest calculation end dates of the interest corresponding to the above-mentioned amount of financing received (accrued on a monthly basis), the time when the interest corresponding to the amount of financing received is to be paid each time, and the amount of interest to be paid each time. Among them, the various interest calculation start dates and various interest calculation end dates of the interest corresponding to the amount of financing received and the time when the interest is to be paid each time can be preset by the user, and the target processing system can calculate the interest amount in the interest information according to the amount of financing received, interest rate information, payment time and repayment time, thereby realizing the determination of the interest information.

[0098] For example, if the interest rate information is an annual interest rate, it is converted into a daily interest rate, such as daily interest rate = annual interest rate / 360. Then, the interest calculation period for each month is determined from the time of receipt of the funds to the time of repayment. After that, the amount of funds received, the number of days in each interest calculation period, and the daily interest rate are multiplied to obtain the interest amount for that period, thereby calculating the interest information.

[0099] Optionally, project information is determined based on interest information and financing amount.

[0100] It should be noted that by calculating the interest information based on the preset project information calculation rules, the accuracy and flexibility of the determined interest information are improved, thereby improving the accuracy of the determined amortization information.

[0101] In an optional embodiment, after calculating the amortization information of the financing costs based on the target amortization calculation method, the target processing system can generate a document to be approved based on the amortization information, and send the document to be approved to the first approval object, so that when receiving the first approval information fed back by the first approval object, a financial voucher is generated based on the amortization information, wherein the first approval information indicates that the document to be approved has been approved, and the financial voucher is the voucher required to execute the account processing.

[0102] Optionally, in order to improve the reliability of the amortization of the financing amount, the calculated amortization information may be reviewed before the payment is processed, and then the payment may be processed if the review is passed.

[0103] Optional, Figure 5 is a schematic diagram of an optional processing of amortization information according to an embodiment of the present invention, such as Figure 5 As shown, the target processing system can fill the amortization information into the preset document template to obtain the document to be approved, and then the target processing system can send the document to be approved to the first review object. The first review object is the object for reviewing the document to be approved.

[0104] Optionally, after the first audit object completes the audit of the pending document, it can send a first audit result to the target processing system. The first audit result includes first approval information or third approval information. The first approval information indicates that the pending document has been approved, and the third approval information indicates that the pending document has not been approved. Figure 5 As shown, when the target processing system receives the first approval information fed back by the first approval object, it can generate a financial voucher based on the amortization information. For example, the amortization information is filled into a preset voucher template to obtain a financial voucher. When the target processing system receives the third approval information, it is prohibited to generate a financial voucher based on the amortization information.

[0105] In some embodiments, the financial voucher is a voucher required to perform the billing process, and after the amortization information is billed, it is determined that the amortization of the financing fee is completed.

[0106] It should be noted that, through the above process, the automatic generation of financial vouchers is realized, which can effectively reduce labor costs and improve amortization efficiency. In addition, by generating financial vouchers when the amortization information is approved, the reliability of amortization is improved.

[0107] In an optional embodiment, after generating a financial voucher based on the amortization information, the target processing system may send the financial voucher to a second approval object, thereby generating reminder information based on the financial voucher upon receiving second approval information fed back by the second approval object, and sending the reminder information to the target object, wherein the second approval information indicates that the financial voucher has been approved, and the reminder information is used to remind the target object to perform account processing based on the financial voucher.

[0108] Optionally, the second approval object is an object used to approve financial vouchers, and the second approval object may be the same as or different from the first approval object.

[0109] Optional, such as Figure 5 As shown, after the financial voucher is generated, the target processing system can send the financial voucher to the second approval object. After the second approval object completes the review of the financial voucher, it can send the second review result to the target processing system. The second review result includes the second approval information or the fourth approval information. The second approval information indicates that the financial voucher has been approved, and the fourth approval information indicates that the financial voucher has not been approved. Figure 5 As shown, when the target processing system receives the second approval information fed back by the second approval object, it generates reminder information based on the financial voucher and sends the reminder information to the target object for billing. For example, an optional reminder information may be "bill out according to financial voucher A, which is stored in folder B". When the target processing system receives the fourth approval information, it is prohibited to generate reminder information based on the financial voucher.

[0110] It should be noted that through the above process, effective approval of financial documents can be achieved, thereby further improving the reliability of financing cost amortization.

[0111] In an optional embodiment, the target processing system may include a data processing module, an amortization calculation module, a report generation module, a front-end interactive interface, and a security and compliance module. The user may input financing-related data, such as financing contract information and financing payment information, through the front-end interactive interface, so that the data processing system generates financing life cycle information based on the received information, and determines the amortization calculation method to be used. The target processing system may automatically verify the accuracy and completeness of the input data through the security and compliance module. Optionally, the target processing system may automatically calculate the amortization expense of each period through the amortization calculation module based on the input data, the financing life cycle information, and the selected amortization calculation method, and store the calculation results in the database for subsequent query and document generation. The target processing system may generate detailed amortization life cycle information through the report generation module based on the stored calculation results for user access and review. In addition, the target processing system may also generate documents and financial vouchers through the data processing module.

[0112] In an optional embodiment, Figure 6 is a flow chart of an optional data processing method according to an embodiment of the present invention. Figure 6 As shown, the correspondence between multiple expense information and multiple amortization calculation methods is manually configured in advance in the target processing system. During the application process, when the user registers the expense information of the expense to be amortized in the target processing system, the amortization calculation method is selected according to the aforementioned correspondence to determine the target amortization calculation method. Afterwards, if the target amortization calculation method is the straight-line method, the amortization information of the financing expense is calculated based on the total expense amount of the financing expense. If the target amortization calculation method is the effective interest rate method, the project information of the financing project is obtained, and then the amortization information of the financing expense is calculated based on the total expense amount of the financing expense and the project information. After the amortization information is calculated, as shown in FIG. Figure 6 As shown, the target processing system can generate documents to be reviewed based on the amortization information, and generate financial vouchers when the documents to be reviewed are reviewed and approved, so as to carry out billing processing.

[0113] It can be seen that the solution provided in this application achieves the purpose of automatically matching the amortization calculation method according to the expense information of the financing expenses, thereby realizing the technical effect of reducing labor costs, and further solving the technical problem of high labor costs in the related technology that relies on manual determination of the amortization calculation method corresponding to the financing expenses to calculate the amortization information of the financing expenses.

[0114] Example 2

[0115] According to an embodiment of the present invention, an embodiment of a data processing device is provided, wherein: Figure 7 is a schematic diagram of an optional data processing device according to an embodiment of the present invention. Figure 7As shown, the device comprises:

[0116] The first acquisition module 701 is used to acquire the cost information of the financing cost to be amortized, and obtain the target cost information, wherein the target cost information includes at least one of the following: the cost type of the financing cost, the financing type of the financing project to which the financing cost belongs, and the loan duration of the financing project;

[0117] The second acquisition module 702 is used to acquire the correspondence between the plurality of cost information and the plurality of amortization calculation methods, and determine the target amortization calculation method matching the target cost information from the plurality of amortization calculation methods based on the correspondence;

[0118] The calculation module 703 is used to calculate the amortization information of the financing cost based on the target amortization calculation method.

[0119] It should be noted that the above-mentioned first acquisition module 701, second acquisition module 702 and calculation module 703 correspond to steps S101 to S103 in the above-mentioned embodiment, and the examples and application scenarios implemented by the three modules and the corresponding steps are the same, but are not limited to the contents disclosed in the above-mentioned embodiment 1.

[0120] Optionally, the calculation module further includes: a first calculation submodule, configured to calculate amortization information of the financing costs based on the total cost of the financing costs by using a target amortization calculation method.

[0121] Optionally, the calculation module also includes: an acquisition sub-module, used to obtain project information of the financing project, wherein the project information at least includes the financing amount of the financing project and the interest information of the financing amount; a second calculation sub-module, used to use the target amortization calculation method to calculate the amortization information of the financing costs based on the total cost of the financing costs and the project information.

[0122] Optionally, the acquisition submodule also includes: a first acquisition unit, used to acquire the financing amount and interest rate information of the financing project; a second acquisition unit, used to acquire the arrival time of the financing amount and the repayment time of the financing project; a calculation unit, used to calculate the interest information based on the preset project information calculation rules according to the financing amount, interest rate information, arrival time and repayment time, wherein the financing amount is accrued on a monthly basis, and the interest information includes the interest sub-information of each interest period in the monthly interest accrual; a determination unit, used to determine the project information based on the interest information and the financing amount.

[0123] Optionally, the data processing device also includes: a first processing module, used to generate a document to be approved based on the amortization information, and send the document to be approved to a first approval object; a first generation module, used to generate a financial voucher based on the amortization information when receiving first approval information fed back by the first approval object, wherein the first approval information indicates that the document to be approved has been approved, and the financial voucher is the voucher required to execute the account issuance processing.

[0124] Optionally, the data processing device also includes: a second processing module, used to send the financial voucher to a second approval object; a second generation module, used to generate reminder information based on the financial voucher upon receiving second approval information fed back by the second approval object, and send the reminder information to the target object, wherein the second approval information indicates that the financial voucher has been approved, and the reminder information is used to remind the target object to perform account issuance processing based on the financial voucher.

[0125] Optionally, the first acquisition module includes: a receiving sub-module for receiving a financing contract sent by a user; an extraction sub-module for extracting the cost type of the financing fee, the financing type of the financing project to which the financing fee belongs, and the loan duration of the financing project from the financing contract; and a determination sub-module for determining the target cost information based on at least one of the cost type of the financing fee, the financing type of the financing project to which the financing fee belongs, and the loan duration of the financing project.

[0126] Example 3

[0127] According to another aspect of an embodiment of the present invention, a computer-readable storage medium is further provided, in which a computer program is stored, wherein the computer program is configured to execute the above-mentioned data processing method when running.

[0128] Example 4

[0129] According to another aspect of an embodiment of the present invention, there is also provided an electronic device, wherein: Figure 8 is a schematic diagram of an optional electronic device according to an embodiment of the present invention, such as Figure 8 As shown, the electronic device includes one or more processors; a memory for storing one or more programs, which, when the one or more programs are executed by the one or more processors, enables the one or more processors to run the programs, wherein the programs are configured to execute the above-mentioned data processing method when running.

[0130] The serial numbers of the above embodiments of the present invention are only for description and do not represent the advantages or disadvantages of the embodiments.

[0131] In the above embodiments of the present invention, the description of each embodiment has its own emphasis. For parts that are not described in detail in a certain embodiment, reference can be made to the relevant descriptions of other embodiments.

[0132] In the several embodiments provided in this application, it should be understood that the disclosed technical content can be implemented in other ways. Among them, the device embodiments described above are only schematic. For example, the division of units can be 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 interfaces, indirect coupling or communication connection of units or modules, which can be electrical or other forms.

[0133] 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 over multiple units. Some or all of the units may be selected according to actual needs to achieve the purpose of the present embodiment.

[0134] In addition, each functional unit in each embodiment of the present invention may be integrated into one processing unit, or each unit may exist physically separately, or two or more units may be integrated into one unit. The above-mentioned integrated unit may be implemented in the form of hardware or in the form of software functional units.

[0135] If the integrated unit is implemented in the form of a software functional unit and sold or used as an independent product, it can be stored in a computer-readable storage medium. Based on this understanding, the technical solution of the present invention, in essence, or the part that contributes to the prior art, or all or part of the technical solution can be embodied in the form of a software product, and the computer software product is stored in a storage medium, including a number of instructions for a computer device (which can be a personal computer, a server or a network device, etc.) to perform all or part of the steps of the methods of each embodiment of the present invention. The aforementioned storage medium includes: U disk, read-only memory (ROM, Read-Only Memory), random access memory (RAM, Random Access Memory), mobile hard disk, magnetic disk or optical disk and other media that can store program codes.

[0136] The above are only preferred embodiments of the present invention. It should be pointed out that, for ordinary technicians in this technical field, several improvements and modifications can be made without departing from the principles of the present invention. These improvements and modifications should also be regarded as the scope of protection of the present invention.

Claims

1. A data processing method, characterized in that: include: Acquire cost information of the financing cost to be amortized to obtain target cost information, wherein the target cost information includes at least one of the following: cost type of the financing cost, financing type of the financing project to which the financing cost belongs, and loan duration of the financing project; Acquire a correspondence between a plurality of cost information and a plurality of amortization calculation methods, and determine a target amortization calculation method that matches the target cost information from the plurality of amortization calculation methods based on the correspondence; Amortization information of the financing cost is calculated based on the target amortization calculation method.

2. The method according to claim 1, characterized in that When the target amortization calculation method is the straight-line method, the amortization information of the financing cost is calculated based on the target amortization calculation method, including: The target amortization calculation method is used to calculate the amortization information of the financing fee based on the total amount of the financing fee.

3. The method according to claim 1, characterized in that When the target amortization calculation method is the effective interest rate method, the amortization information of the financing cost is calculated based on the target amortization calculation method, including: Acquire project information of the financing project, wherein the project information at least includes the financing amount of the financing project and interest information of the financing amount; The target amortization calculation method is used to calculate the amortization information of the financing cost based on the total cost of the financing cost and the project information.

4. The method according to claim 3, characterized in that Obtain project information for financing projects, including: Obtain information on the amount of funds raised and interest rates for the financing project; Obtain the arrival time of the financing amount and the repayment time of the financing project; Based on the preset project information calculation rules, the interest information is calculated according to the financing amount, the interest rate information, the payment time and the repayment time, wherein the financing amount is accrued on a monthly basis, and the interest information includes interest sub-information of each period of interest in the monthly interest accrual; The project information is determined based on the interest information and the financing amount.

5. The method according to claim 1, characterized in that After calculating the amortization information of the financing cost based on the target amortization calculation method, the method further includes: Generate a document to be approved according to the amortization information, and send the document to be approved to the first approval object; When first approval information fed back by the first approval object is received, a financial voucher is generated based on the amortization information, wherein the first approval information indicates that the document to be approved has been approved, and the financial voucher is a voucher required for executing the billing process.

6. The method according to claim 5, characterized in that After generating a financial voucher based on the amortization information, the method further includes: Sending the financial voucher to a second approval object; Upon receiving the second approval information fed back by the second approval object, a reminder message is generated based on the financial voucher, and the reminder message is sent to the target object, wherein the second approval information indicates that the financial voucher has been approved, and the reminder message is used to remind the target object to perform account issuance based on the financial voucher.

7. The method according to claim 1, characterized in that Obtain the cost information of the financing costs to be amortized and obtain the target cost information, including: Receive financing contracts sent by users; Extracting from the financing contract the expense type of the financing fee, the financing type of the financing project to which the financing fee belongs, and the loan duration of the financing project; The target cost information is determined according to at least one of a cost type of the financing cost, a financing type of a financing project to which the financing cost belongs, and a loan duration of the financing project.

8. A data processing device, characterized in that: include: A first acquisition module is used to acquire cost information of the financing cost to be amortized, and obtain target cost information, wherein the target cost information includes at least one of the following: cost type of the financing cost, financing type of the financing project to which the financing cost belongs, and loan duration of the financing project; A second acquisition module is used to acquire a correspondence between a plurality of cost information and a plurality of amortization calculation methods, and determine a target amortization calculation method matching the target cost information from the plurality of amortization calculation methods based on the correspondence; A calculation module is used to calculate the amortization information of the financing cost based on the target amortization calculation method.

9. A computer-readable storage medium, characterized in that: The computer-readable storage medium stores a computer program, wherein the computer program is configured to execute the data processing method described in any one of claims 1 to 7 when executed.

10. An electronic device, characterized in that: The electronic device includes one or more processors; A memory for storing one or more programs, which, when the one or more programs are executed by the one or more processors, enables the one or more processors to run the programs, wherein the programs are configured to execute the data processing method described in any one of claims 1 to 7 when running.

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