Intelligent financial management system

Abstract

The invention discloses an intelligent financial management system, and relates to the technical field of financial management, current investment project information is analyzed, financial indexes of current investment projects are identified, risk prediction is performed on the current investment projects in combination with market financial information, and a round of investment projects are screened out; obtaining a financial condition confidence interval of enterprise investment, and performing second-round screening on the financial indexes of the first-round investment project to screen out a second-round investment project; evaluating the project performance of the second-round investment project, and determining a final investment project and a preparatory investment project according to the project performance; performing intelligent financial management distribution on the final investment project in combination with the current financial information of the enterprise and the budget management distribution information of the enterprise; and automatically generating an investment analysis report. Through multi-round screening, intelligent risk prediction and dynamic tracking, investment decision is optimized, funds are reasonably distributed, and financial performance and risk control capability of an investment project are improved.

Description

Technical Field

[0001] The present invention relates to the technical field of financial management, and in particular to an intelligent financial management system. Background Art

[0002] As the global economy becomes increasingly complex and market competition becomes increasingly fierce, companies are facing increasingly complex financial management challenges. Companies not only need to manage daily operating funds, cash flow and profits, but also need to deal with more complex financial decisions, such as screening and evaluation of investment projects, optimization of capital structure, and risk management. These challenges require companies to adopt more efficient and accurate financial management tools to deal with daily financial management and long-term strategic planning.

[0003] Existing financial management systems and investment decision-making methods often rely on manual experience and subjective judgment, resulting in high errors and uncertainties in the investment decision-making process, especially in risk prediction and fund allocation. In addition, traditional financial management systems usually process financial information and budget management information separately, resulting in a lack of integrity and consistency in resource allocation, and an inability to achieve dynamic adjustment and global optimization. Many existing financial management systems lack dynamic tracking and performance evaluation of project progress in project investment, resulting in an inability to adjust fund allocation or respond to potential risks and problems in a timely manner during project execution. In addition, in traditional financial management and investment decision-making processes, the screening of investment projects usually relies on static financial indicators and outdated market data, and is unable to fully consider project risks and changes in corporate financial conditions.

[0004] Therefore, in response to the above problems, an intelligent financial management system is urgently needed. Summary of the invention

[0005] In view of the deficiencies of the prior art, the present invention provides an intelligent financial management system that solves the problems faced by enterprises in investment decision-making, such as unreasonable fund allocation, insufficient risk prediction and inaccurate investment performance tracking.

[0006] To achieve the above objectives, the present invention is implemented through the following technical solutions: an intelligent financial management system, comprising the following steps: including a data acquisition module, a first-round investment screening module, a second-round investment screening module, a third-round investment screening module, a management allocation module and a report generation module, wherein: the data acquisition module is used to obtain the company's current financial information, company investment information, company budget management allocation information and current investment project information and market financial information; the first-round investment screening module is used to analyze the current investment project information, identify the financial indicators of each current investment project, and then combine the market financial information to predict the risks of each current investment project and screen out the first-round investment projects; the second-round investment screening module is used to analyze the company's investment information and obtain the company's investment information. The financial status confidence interval of the enterprise's investment is used to conduct a second round of screening on the financial indicators of the first round of investment projects based on the financial status confidence interval of the enterprise's investment, and screen out the second round of investment projects; the third round of investment screening module is used to track the second round of investment projects based on the project tracking cycle, and then evaluate the project performance of the second round of investment projects, and determine the final investment projects and the preliminary investment projects according to the project performance; the management allocation module is used to perform intelligent financial management allocation on the final investment projects in combination with the current financial information of the enterprise and the enterprise budget management allocation information; the report generation module is used to automatically generate an investment analysis report, including the financial indicators of each investment project, the risk forecast of each investment project, the project performance of the second round of investment projects, the final investment project, the preliminary investment project, and the financial management allocation of the final investment project.

[0007] Furthermore, risk prediction is performed on each current investment project in combination with market financial information, and a specific analysis of screening out a round of investment projects is as follows: the market financial information includes the market share and growth potential of the industry in which each investment project is located; the market share and growth potential of the industry in which each investment project is located are calculated to obtain the market investment indicators of the industry in which each investment project is located; the financial indicators of each current investment project are obtained based on the current investment project information; multivariate linear calculations are performed on the market investment indicators of the industry in which each investment project is located and the financial indicators of each current investment project to obtain the risk prediction value of each current investment project; the risk prediction value of each current investment project is compared with the risk threshold, and investment projects with risk prediction values ​​lower than the risk threshold are screened out as a round of investment projects.

[0008] Furthermore, the specific analysis of the financial indicators of each current investment project obtained based on the current investment project information is as follows: the current investment project information specifically includes the expected net return rate of each current investment project and the number of financial risk records of each current investment project; the expected net return rate of each current investment project and the number of financial risk records of each current investment project are normalized, and then the expected net return rate of each current investment project and the number of financial risk records of each current investment project are used to perform numerical calculations to obtain the financial indicators of each current investment project.

[0009] Furthermore, a second round of screening is performed on the financial indicators of the first-round investment projects based on the confidence interval of the financial status of the enterprise's investment. The specific analysis for screening out the second-round investment projects is as follows: obtaining the confidence interval of the financial status of the enterprise's investment based on the enterprise's investment information; obtaining the financial indicators of the first-round investment projects, and then comparing the financial indicators of the first-round investment projects with the confidence interval of the enterprise's financial status. When the financial indicators of the first-round investment projects exceed the confidence interval of the enterprise's financial status, outputting that the first-round investment projects fail the second round of screening; when the financial indicators of the first-round investment projects are within the confidence interval of the enterprise's financial status, marking the first-round investment projects as second-round investment projects.

[0010] Furthermore, the specific analysis of the confidence interval of the financial status of the enterprise's investment based on the enterprise's investment information is as follows: the enterprise's investment information specifically includes the rate of return of each investment project in the enterprise's history and the risk level of each investment project in the enterprise's history; the rate of return of each investment project in the enterprise's history and the risk level of each investment project in the enterprise's history are calculated to obtain the financial indicators of each investment project in the enterprise's history, and then the financial indicators of each investment project in the enterprise's history are combined to obtain a set of financial indicators for the enterprise's investment; the mean and standard deviation of the financial indicator set are obtained, and the confidence level is set based on the enterprise's investment needs; the upper and lower limits of the confidence interval of the financial status of the enterprise's investment are output in combination with the mean, standard deviation and confidence level of the financial indicator set to obtain the confidence interval of the financial status of the enterprise's investment.

[0011] Furthermore, the second-round investment projects are tracked based on the project tracking cycle, and then the project performance of the second-round investment projects is evaluated. The specific analysis of the final investment projects and the preparatory investment projects is determined according to the project performance: a project tracker cycle is set, and each second-round investment project is tracked within the project tracking cycle. The specific tracking includes tracking of the project leader, tracking of project progress and tracking of project financial status; the tracking of the project leader is specifically the project team performance, the tracking of the project progress is specifically the project progress deviation, and the tracking of the project financial status is specifically the execution cost deviation; based on the project team performance, project progress deviation and execution cost deviation, an evaluation is performed to obtain the project performance of each second-round investment project; the second-round investment projects are sorted according to the size of the project performance, and the second-round investment project with the largest project performance is marked as the final investment project, and the second-round investment projects ranked first and second in project performance among the remaining second-round investment projects are marked as preparatory investment projects.

[0012] Furthermore, the specific preparation strategy for the preparatory investment project is: when the investment in the final investment project fails, receive investment demand, and then set a project tracker cycle for the preparatory investment project to track it, evaluate the project performance of the preparatory investment project, compare the project performance of the preparatory investment project, and update the preparatory investment project with a large project performance to the final investment project.

[0013] Furthermore, the specific analysis of the intelligent financial management allocation of the final investment project in combination with the current financial information of the enterprise and the enterprise budget management allocation information is as follows: the current financial information of the enterprise specifically includes the current financing cash flow of the enterprise and the current net revenue of the enterprise; the budget management allocation information of the enterprise specifically includes the budget limit amount and budget allocation, and the budget allocation includes the operating budget, investment budget, research and development budget and market budget; the investment progress and the financial status of the final investment project are monitored, and the specific monitoring of the investment progress includes the return on investment and the market share change rate; the real-time monitored current financing cash flow of the enterprise, the current net revenue of the enterprise, the return on investment and the market share change rate are compared with the financing cash threshold, the net revenue threshold, the investment return threshold and the market share change threshold respectively. When it is detected that the current financing cash flow of the enterprise is lower than the financing cash threshold, and the current net revenue of the enterprise is lower than the net revenue threshold, or the return on investment is lower than the investment return threshold, and the market share change rate is lower than the market share change threshold, the investment budget adjustment demand of the final investment project is triggered, and the specific investment budget is adjusted and compensated by calling the operating budget, research and development budget and market budget, and the sum of the operating budget, investment budget, research and development budget and market budget does not exceed the budget limit amount.

[0014] The present invention has the following beneficial effects:

[0015] This intelligent financial management system integrates multiple data sources and provides decision makers with comprehensive investment analysis through multiple rounds of screening and analysis. The comprehensive use of this data can help management fully understand the company's financial status and market dynamics and make more scientific and accurate decisions. Through the combination of market financial information, it can identify the financial indicators of each investment project and predict risks, so that the company can foresee potential risks before making investment decisions and take corresponding measures to reduce investment risk exposure. The second round of screening is based on the confidence interval of the company's financial status. A more detailed financial analysis is conducted on the projects after the first round of screening, and projects that are more in line with the company's budget and financial status are screened out, which improves the accuracy and financial security of investment decisions. Through project tracking and performance evaluation, the long-term feasibility and return of investment projects are ensured, and dynamic adjustments can be made according to the actual performance of the projects, optimizing the investment portfolio and improving the efficiency of capital use. Combined with the company's financial information and budget allocation, intelligent financial allocation is made for the final selected investment projects, which helps to optimize the use of funds and ensure that funds flow to the most potential projects. Through intelligent multiple rounds of screening and predictive analysis, enterprises can make better strategic decisions, reduce human errors, improve the success rate and profitability of investment decisions, and help enterprises achieve better financial management and capital appreciation. BRIEF DESCRIPTION OF THE DRAWINGS

[0016] Figure 1 This is a structural diagram of an intelligent financial management system of the present invention.

[0017] Figure 2 The present invention is a method flow chart of an intelligent financial management system. DETAILED DESCRIPTION

[0018] The embodiment of the present application uses an intelligent financial management system to optimize investment decisions, reasonably allocate funds, and improve the financial performance and risk control capabilities of investment projects through multiple rounds of screening, intelligent risk prediction and dynamic tracking.

[0019] The overall idea of ​​the problem in the embodiment of this application is as follows:

[0020] By combining the company's financial data, budget information, market financial information and real-time data of investment projects, through multiple rounds of screening and tracking, we can ultimately optimize the company's investment portfolio and achieve intelligent financial management and resource allocation.

[0021] See also Figure 1 , Figure 2The embodiment of the present invention provides a technical solution: an intelligent financial management system, comprising the following steps: a data acquisition module, a first-round investment screening module, a second-round investment screening module, a third-round investment screening module, a management allocation module and a report generation module, wherein: the data acquisition module is used to obtain the current financial information of the enterprise, the enterprise investment information, the enterprise budget management allocation information and the current investment project information and market financial information; the first-round investment screening module is used to analyze the current investment project information, identify the financial indicators of each current investment project, and then combine the market financial information to predict the risks of each current investment project and screen out the first-round investment projects; the second-round investment screening module is used to analyze the enterprise investment information and obtain the financial status of the enterprise investment Confidence interval, and then conduct a second round of screening of the financial indicators of the first round of investment projects based on the confidence interval of the financial status of the enterprise's investment, and screen out the second round of investment projects; the third round of investment screening module is used to track the second round of investment projects based on the project tracking cycle, and then evaluate the project performance of the second round of investment projects, and determine the final investment projects and preparatory investment projects according to the project performance; the management allocation module is used to combine the current financial information of the enterprise with the enterprise budget management allocation information to carry out intelligent financial management allocation for the final investment projects; the report generation module is used to automatically generate an investment analysis report, including the financial indicators of each investment project, the risk forecast of each investment project, the project performance of the second round of investment projects, the final investment project, the preparatory investment project, and the financial management allocation of the final investment project.

[0022] Specifically, the risk forecast of each current investment project is carried out in combination with market financial information, and the specific analysis of selecting a round of investment projects is as follows: market financial information includes the market share and growth potential of the industry in which each investment project is located; the market share and growth potential of the industry in which each investment project is located are calculated to obtain the market investment indicators of the industry in which each investment project is located. The specific market investment indicator acquisition expression is: Where TB represents the market investment index, FE represents the market share of the industry in which each investment project is located, QL represents the growth potential, α1 represents the weight value of the market share, α2 represents the weight value of the growth potential, and the specific weight value of the market share and the weight value of the growth potential are set by the experience and judgment of industry experts or management teams, or by comparing the market share and growth potential through the Analytic Hierarchy Process (AHP) to calculate the weight value. It is also possible to set a pairwise comparison matrix based on the relative importance of market share and growth potential to evaluate their priority, and use the eigenvector of the judgment matrix to calculate the weight of each factor; based on the current investment project information, the financial indicators of each current investment project are obtained; the market investment indicators of the industry in which each investment project is located and the financial indicators of each current investment project are calculated by multivariate linear calculation to obtain the risk prediction value of each current investment project. The specific risk prediction value acquisition expression is: Where Y represents the risk prediction value, β0 represents the constant term, which indicates the benchmark level of the risk prediction value when the market investment index and the financial index are zero. It is obtained by minimizing the square error between the model prediction value and the actual observation value using the least squares method. β1 and β2 represent regression coefficients, which respectively indicate the degree of influence of the market investment index and the financial index on the risk prediction value. The least squares method is used to optimize the parameters of the regression model and minimize the sum of square errors to obtain the value. CB represents the financial index. The risk prediction value of each current investment project is compared with the risk threshold, and the investment projects with risk prediction values ​​lower than the risk threshold are selected as the first round of investment projects.

[0023] In this implementation plan, by combining industry market information and enterprise financial data for multivariate linear calculation, the risk of investment projects can be comprehensively evaluated, which not only takes into account changes in the market environment, but also reflects the financial status of the enterprise itself, which helps to more accurately screen out low-risk investment projects; the calculation of market share and growth potential provides a broader background support for investment decisions, helping enterprises understand the prospects and trends of the industry, while combining financial indicators to evaluate the feasibility and potential of projects; using a multivariate linear regression model to combine industry and financial indicators, it can automatically evaluate the risk of investment projects in a quantitative way. This reduces manual intervention, avoids human bias, and improves the scientificity and objectivity of decision-making.

[0024] Market share refers to the market share of the project in the industry in which the investment project is located, which is obtained through industry research reports, market surveys, competitor data, etc., and can also be obtained through public data, reports released by industry associations or market analysis tools; growth potential refers to the future growth rate of the industry or the expected growth of market demand, which is obtained through market forecasts, industry development trend analysis, expert opinions and historical data, and can also be obtained with the help of industry forecasting models or macroeconomic analysis tools; risk prediction values ​​are used to measure the risk level of investment projects; risk thresholds are used to screen out projects with lower risks, and are set through historical data analysis, industry standards, expert judgment or according to the company's risk tolerance. They can also be calibrated and set through the success rate of historical projects, the industry's risk tolerance, etc.

[0025] Specifically, the specific analysis of the financial indicators of each current investment project obtained based on the current investment project information is as follows: the current investment project information specifically includes the expected net return rate of each current investment project and the number of financial risk records of each current investment project; the expected net return rate of each current investment project and the number of financial risk records of each current investment project are normalized, and then the expected net return rate of each current investment project and the number of financial risk records of each current investment project are used to perform numerical calculations to obtain the financial indicators of each current investment project. The specific financial indicator calculation formula is: In the formula, ε1 represents the expected net return rate, ε2 represents the number of financial risk records, c1 represents the weight value of the expected net return rate, and c2 represents the weight value of the number of financial risk records. The weight values ​​of the expected net return rate and the number of financial risk records are set by analyzing the data of past investment projects and calculating the impact of the expected net return rate and the number of financial risk records on the overall financial performance of the project. Statistical methods such as regression analysis or principal component analysis can also be used to evaluate the importance of the expected net return rate and the number of financial risk records in all investment projects, or by surveying or discussing financial experts, investment decision makers or industry experts to understand their assessment of the importance of these two factors and set the weight values.

[0026] In this implementation plan, the expected net return rate refers to the ratio between the expected net profit of an investment project and the invested capital, which reflects the profitability of the project. It is calculated through the financial forecast of the project, combined with market analysis, product pricing, cost structure and other factors. It can be obtained by using a financial model or through historical data forecasts; the number of financial risk records refers to the number of financial risk events that have occurred in an investment project in the past, such as financial losses, broken capital chain, and default events. It is obtained by reviewing the historical financial data of the project and counting the number of times the project has encountered risks, or through financial audits, internal controls and risk management reports.

[0027] Through normalization and de-dimensionalization, we ensure that the financial indicators of different investment projects can be compared under the same standard. This avoids the evaluation bias caused by differences in project scale, industry background, etc. Normalization and de-dimensionalization help to convert data of different units and magnitudes into comparable standardized values. Even if the financial status, rate of return or risk record of each project is quite different, they can be effectively compared under the same standard. Not only the expected net return rate is taken into account, but also the number of financial risk records is introduced, which can more comprehensively reflect the risks and returns of each investment project and provide a more balanced perspective for investment decisions.

[0028] Specifically, a second round of screening is performed on the financial indicators of the first-round investment projects based on the confidence interval of the financial status of the enterprise's investment. The specific analysis for screening out the second-round investment projects is as follows: based on the enterprise's investment information, the confidence interval of the financial status of the enterprise's investment is obtained; the financial indicators of the first-round investment projects are obtained, and then the financial indicators of the first-round investment projects are compared with the confidence interval of the enterprise's financial status. When the financial indicators of the first-round investment projects exceed the confidence interval of the enterprise's financial status, the first-round investment projects are output as unqualified in the second round of screening; when the financial indicators of the first-round investment projects are within the confidence interval of the enterprise's financial status, the first-round investment projects are marked as second-round investment projects.

[0029] In this implementation plan, by introducing the confidence interval of the company's financial status, factors such as the company's financial capacity and risk tolerance can be quantified, making the screening process more scientific and systematic; the confidence interval of the company's financial status reflects the range of investment risks that the company can accept, and provides a clear standard for the subsequent screening of investment projects; by comparing the financial indicators of a round of investment projects with the company's financial status, investment projects that exceed the company's ability to bear can be effectively excluded, thereby reducing problems such as over-investment and liquidity risk, and ensuring that investment projects will not have too much impact on the company's financial status; standardizing the comparison method of financial indicators and confidence intervals simplifies the investment decision-making process, avoids complex manual judgments or interference from multiple factors, and reduces the uncertainty and risk of decision-making; through the automated screening mechanism, the efficiency of investment project screening is greatly improved, and the errors of manual intervention are reduced, making investment decisions more transparent and traceable.

[0030] Specifically, the specific analysis of the confidence interval of the financial status of the enterprise investment based on the enterprise investment information is as follows: the enterprise investment information specifically includes the rate of return of each investment project in the enterprise history and the risk level of each investment project in the enterprise history; the rate of return of each investment project in the enterprise history and the risk level of each investment project in the enterprise history are calculated to obtain the financial indicators of each investment project in the enterprise history. The specific expression for obtaining the financial indicators is: In the formula, CB' represents the financial indicators of historical investment projects, η1 represents the rate of return, η2 represents the risk level, d1 represents the weight value of the rate of return, and d2 represents the weight value of the risk level. The weight values ​​of the rate of return and the risk level are set by statistically analyzing the rate of return and the risk level data of the company's past investment projects to understand their impact on the overall financial status of the company. They are specifically obtained using the correlation analysis of historical data (such as correlation coefficient analysis, regression analysis, etc.). They can also be set by scoring the importance of the rate of return and the risk level by the company's internal financial experts, investment managers or industry experts, or by determining the relative importance of the rate of return and the risk level according to the company's financial goals or strategic goals; then the financial indicators of each historical investment project of the company are combined to obtain a set of financial indicators for the company's investment; the mean and standard deviation of the financial indicator set are obtained, and the confidence level is set based on the company's investment needs; combined with the mean, standard deviation and confidence level of the financial indicator set, the upper and lower limits of the confidence interval of the company's investment financial status are output to obtain the confidence interval of the company's investment financial status. The specific financial status confidence interval is expressed as: The upper limit of the confidence interval for financial status is expressed as: The lower limit is expressed as: Where ψ1 represents the lower limit of the confidence interval of financial status, and ψ2 represents the upper limit of the confidence interval of financial status. It represents the mean of the financial indicator set, s represents the standard deviation of the financial indicator set, z represents the specific value of the confidence level, and n represents the sample size of the financial indicator set.

[0031] In this implementation plan, by analyzing the rate of return and risk level of the company's historical investment projects, the company's financial status can be quantified to help the company clarify its financial tolerance and investment risks; based on financial data and statistical principles, a confidence interval is used to evaluate the acceptable range of the company's financial status, avoiding subjective decisions, and being able to more objectively judge whether the investment is in line with the company's financial tolerance, thereby reducing the risk of investment decisions; by setting the confidence level according to the company's investment needs, the design is flexible, and the company can choose different confidence levels according to its own risk preferences, thereby adjusting the investment strategy to meet the company's long-term financial goals; through the financial status confidence interval, it is more clearly identified which investment projects will exceed its tolerable financial risk range, which helps to avoid excessive corporate investment or financial crisis.

[0032] The rate of return of each investment project in the history of the enterprise represents the annualized rate of return or actual return of each investment project, which is calculated through the historical financial statements and project return data of the enterprise. Specifically, the rate of return can be obtained by dividing the income data of the historical projects by the invested capital; the risk level of each investment project in the history of the enterprise represents the volatility or failure risk of the project, which is expressed in the form of credit rating, risk assessment model or volatility, and is obtained through the risk assessment and rating system of the company's historical projects (for example, through market analysis, credit rating, historical failure rate, etc.); the financial indicators of each investment project in the history of the enterprise represent the financial performance of each project of historical investment, and each investment is extracted from the historical investment data of the enterprise. The return rate and risk level of the project are calculated to obtain the financial performance of each investment project; the mean of the financial indicator set is the average value of these indicators, representing the average financial performance of the company's historical investment projects; the standard deviation represents the volatility or dispersion of these financial indicators, reflecting the changes in the return rate and risk level of the company's historical investment projects; the confidence level represents the confidence level of the confidence interval, usually expressed as a percentage (such as 95% or 99%), which means what proportion of data can fall within the calculated confidence interval. The confidence level is set specifically according to the company's own risk preference. For example, the confidence level can be set to 95% (that is, the probability that the data falls within the confidence interval is 95%).

[0033] Specifically, the second-round investment projects are tracked based on the project tracking cycle, and then the project performance of the second-round investment projects is evaluated. The specific analysis of the final investment projects and the preliminary investment projects is determined according to the project performance: the project tracker cycle is set, and each second-round investment project is tracked within the project tracking cycle. The specific tracking includes the tracking of the project leader, the tracking of the project progress, and the tracking of the project financial status; the tracking of the project leader is specifically the project team performance, the tracking of the project progress is specifically the project progress deviation, and the tracking of the project financial status is specifically the execution cost deviation; based on the project team performance, the project progress deviation and the execution cost deviation, the project performance of each second-round investment project is obtained. The specific project performance acquisition expression is: In the formula, JX represents project performance, δ1 represents project team performance, δ2 represents project schedule deviation, and δ3 represents execution cost deviation. The second-round investment projects are sorted according to the size of project performance, and the second-round investment project with the largest project performance is marked as the final investment project. The second-round investment projects ranked first and second in project performance among the remaining second-round investment projects are marked as preparatory investment projects.

[0034] In this implementation plan, the specific preparation strategy for the preparatory investment projects is: when the investment in the final investment project fails, receive investment needs, and then set a project tracker cycle for the preparatory investment projects to track them, evaluate the project performance of the preparatory investment projects, compare the project performance of the preparatory investment projects, and update the preparatory investment projects with greater project performance to final investment projects.

[0035] The project tracker cycle is set according to the overall plan and time frame of the project, and the length of the cycle should be determined according to the complexity of the project and the execution cycle; project team performance refers to the performance of the project leader's team in the project, reflecting the comprehensive capabilities of project management, execution, teamwork, etc., which is obtained by evaluating the project team's work output, task completion, collaboration effect and work quality of team members, including the team's output efficiency and goal achievement; project schedule deviation refers to the difference between the actual progress of the project and the planned progress, reflecting the time management problems in the execution of the project. The progress deviation is obtained by comparing the actual progress of the project with the scheduled progress plan; execution cost deviation refers to the difference between the actual expenditure of the project and the budget, reflecting the financial management and budget control of the project. The execution cost deviation is obtained by comparing the actual expenditure of the project with the budget.

[0036] By continuously tracking all aspects of the second-round investment projects during the project tracking cycle, potential problems in the projects can be discovered in a timely manner, and measures can be taken to adjust them to avoid investment mistakes; by establishing preparatory investment projects as "emergency plans", when problems arise in the final investment projects, preparatory projects can be quickly launched to reduce the risk of investment failure; indicators such as project team performance, project schedule deviation, and execution cost deviation provide a quantitative basis for investment decisions. These indicators can truly reflect the actual performance of the projects and help investors make more objective decisions; by sorting the second-round investment projects, the best projects can be ensured as the final investment projects, and timely adjustments can be made based on the performance of the preparatory projects to maximize the use of resources and avoid waste of investment funds; tracking and evaluating preparatory investment projects can ensure rapid response and reduce losses in the event of an expected investment failure.

[0037] Specifically, the specific analysis of intelligent financial management allocation of the final investment project in combination with the current financial information of the enterprise and the enterprise budget management allocation information is as follows: the current financial information of the enterprise specifically includes the current financing cash flow of the enterprise and the current net revenue of the enterprise; the budget management allocation information of the enterprise specifically includes the budget limit amount and budget allocation, and the budget allocation includes the operating budget, investment budget, R&D budget and market budget; the investment progress and the financial status of the final investment project are monitored, and the specific investment progress monitoring includes the return on investment and the market share change rate; the real-time monitored current financing cash flow of the enterprise, the current net revenue of the enterprise, the return on investment and the market share change rate are compared with the financing cash threshold, the net revenue threshold, the investment return threshold and the market share change threshold respectively. When it is detected that the current financing cash flow of the enterprise is lower than the financing cash threshold, and the current net revenue of the enterprise is lower than the net revenue threshold, or the return on investment is lower than the investment return threshold, and the market share change rate is lower than the market share change threshold, the investment budget adjustment demand of the final investment project is triggered, and the specific investment budget is adjusted and compensated by calling the operating budget, R&D budget and market budget, and the sum of the operating budget, investment budget, R&D budget and market budget does not exceed the budget limit amount.

[0038] In this implementation plan, by real-time monitoring of the company's current financial information and investment progress, it is possible to promptly capture abnormal performance of investment projects, such as tight liquidity or investment returns that fall short of expectations, and take corresponding countermeasures; through intelligent analysis, dynamically adjust various budgets (such as operating, investment, R&D, and marketing budgets) to ensure that when risks arise in investment projects, they can be promptly compensated through reasonable budget adjustments to maximize resource benefits; set multiple financial and market indicator thresholds, and automatically trigger adjustment mechanisms when key indicators are lower than preset thresholds to avoid investment projects from causing excessive losses due to funding or market problems, thereby ensuring the stability of investment projects; on the premise of ensuring that budget allocation does not exceed the company's budget limits, flexible adjustments are made by calling different budget categories so that resource allocation can more effectively support the continued operation of the final investment project.

[0039] The company's current financing cash flow indicates the cash flow obtained by the company through financing, reflecting the company's cash flow status; the company's current net operating income indicates the net income after deducting costs from the company's revenue in a certain period of time, reflecting the company's profitability; the budget limit amount indicates the upper limit of the company's total budget in a specific period, ensuring that total expenditure does not exceed the affordable financial range; budget allocation means dividing the budget into different uses according to different operational needs; return on investment refers to the profitability of an investment project, expressed as the ratio of investment return (net profit) to investment cost; the market share change rate reflects the change in the company's market share, helping to determine whether a project has the potential for sustained growth.

[0040] The current financing cash flow of an enterprise is obtained through sources such as the enterprise's financial statements, bank account information and financing contracts, which are usually updated regularly by the finance department. The cash flow status of the enterprise can also be tracked in real time through software tools such as financial systems and ERP systems. The current net revenue of an enterprise comes from the enterprise's financial statements (such as the income statement) and sales data, which are regularly summarized and analyzed by the finance department and updated by the enterprise's accountants based on changes in actual revenue and costs. The budget limit amount is formulated by the enterprise's finance department based on the annual financial budget and can be tracked and adjusted through the enterprise's financial system or ERP system. The budget allocation is submitted by each department of the enterprise (operation, R&D, marketing, etc.) according to the annual plan and business needs, and the finance department reviews and allocates it according to the overall financial status of the enterprise. The specific amount is tracked and recorded by the enterprise's budget management system and financial system. The return on investment is calculated based on the profit and cost of the investment project, and is regularly analyzed and provided by the investment management department. The return on investment can be calculated and tracked through the financial system and investment management tools. The market share change rate is obtained through data sources such as market research, industry reports, and competitor analysis, reflecting the changes in the position of the enterprise in the market, and is provided by the market analysis department or a third-party market research organization.

[0041] The financing cash threshold is determined based on historical data analysis or industry standards, combined with the company's liquidity needs. It can be set through historical data analysis (such as the fluctuation range of financing cash flow in the past year) and cash flow forecasts; the revenue net income threshold is based on the company's historical profitability and future financial goals, setting the minimum acceptable revenue net income standard, which is formulated by the company's financial department based on historical revenue performance, industry levels and corporate growth goals; the investment return threshold sets a reasonable lower limit for the rate of return by comparing the expected return on investment projects with industry standards, and is combined with the company's investment return goals and capital costs, based on the return data of historical investment projects, or with reference to the average investment return level of the same industry; the market share change threshold sets a minimum market share change standard based on industry dynamics, competitor conditions and the company's market growth goals, and is set with reference to industry reports, market research results and the company's market strategic goals.

[0042] In summary, this application has at least the following effects: automatically collects the company's current financial information, investment information, budget management allocation information, investment project information and market financial information, greatly reducing the burden of manual data collection; the first, second and third round investment screening modules can quickly identify key information such as financial indicators, risk forecasts, project performance, etc. of investment projects through automated analysis processes, thereby improving screening efficiency and accuracy; the first round investment screening module combines market financial information to conduct risk forecasts on investment projects, which helps companies avoid potential risks and select more promising investment projects; the second round investment screening module conducts secondary screening of the financial indicators of the first round investment projects based on the confidence interval of the financial status of the company's investment, further ensuring the robustness of the investment projects; the third round investment screening module evaluates project performance through the project tracking cycle, ensuring that the final selected investment projects not only have potential returns, but also perform well in actual operations; combining the company's current financial information with the company's budget management allocation information, intelligent financial management allocation is performed on the final investment projects. This precise management helps enterprises to allocate resources rationally and improve the efficiency of capital utilization; monitor the financial status of enterprises and the progress of investment projects in real time, and dynamically adjust the financial management allocation plan according to actual conditions to ensure that the enterprise always stays on a stable financial track, and provide strong support for the enterprise to continuously optimize its investment strategy and financial management.

[0043] Those skilled in the art will appreciate that embodiments of the present invention may be provided as systems. Therefore, the present invention may take the form of a complete hardware embodiment, a complete software embodiment, or an embodiment combining software and hardware. Moreover, the present invention may take the form of a computer program product implemented on one or more computer-usable storage media (including but not limited to disk storage, CD-ROM, optical storage, etc.) containing computer-usable program codes.

[0044] The present invention is described with reference to the block diagram of the system according to the embodiment of the present invention. It should be understood that the combination of each structure in the block diagram can be implemented by computer program instructions. These computer program instructions can be provided to a processor of a general-purpose computer, a special-purpose computer, an embedded processor or other programmable data processing device to generate a machine, so that the instructions executed by the processor of the computer or other programmable data processing device generate a device for implementing the functions specified in each structure in the block diagram.

[0045] These computer program instructions may also be stored in a computer-readable memory that can direct a computer or other programmable data processing device to work in a specific manner, so that the instructions stored in the computer-readable memory produce a product including an instruction device that implements the functions specified in each structure of the structural diagram.

[0046] These computer program instructions may also be loaded onto a computer or other programmable data processing device so that a series of operational steps are executed on the computer or other programmable device to produce a computer-implemented process, whereby the instructions executed on the computer or other programmable device provide steps for implementing the functions specified in each structure in the structural diagram.

[0047] Although the preferred embodiments of the present invention have been described, those skilled in the art may make other changes and modifications to these embodiments once they have learned the basic creative concept. Therefore, the appended claims are intended to be interpreted as including the preferred embodiments and all changes and modifications that fall within the scope of the present invention.

[0048] Obviously, those skilled in the art can make various changes and modifications to the present invention without departing from the spirit and scope of the present invention. Thus, if these modifications and variations of the present invention fall within the scope of the claims of the present invention and their equivalents, the present invention is also intended to include these modifications and variations.

Claims

1. An intelligent financial management system, characterized in that: It includes data acquisition module, first-round investment screening module, second-round investment screening module, third-round investment screening module, management allocation module and report generation module, among which: The data acquisition module is used to acquire the enterprise's current financial information, enterprise investment information, enterprise budget management allocation information, current investment project information and market financial information; The first round investment screening module is used to analyze the current investment project information, identify the financial indicators of each current investment project, and then conduct risk prediction for each current investment project in combination with market financial information to screen out the first round investment projects; The second-round investment screening module is used to analyze the enterprise investment information, obtain the confidence interval of the financial status of the enterprise investment, and then conduct a second-round screening of the financial indicators of the first-round investment projects based on the confidence interval of the financial status of the enterprise investment to screen out the second-round investment projects; The three-round investment screening module is used to track the second-round investment projects based on the project tracking cycle, thereby evaluating the project performance of the second-round investment projects, and determining the final investment projects and the preliminary investment projects based on the project performance; The management allocation module is used to combine the current financial information of the enterprise with the enterprise budget management allocation information to carry out intelligent financial management allocation for the final investment project; The report generation module is used to automatically generate an investment analysis report, including the financial indicators of each investment project, the risk forecast of each investment project, the project performance of the second round of investment projects, the final investment project, the preliminary investment project, and the financial management allocation of the final investment project.

2. An intelligent financial management system according to claim 1, characterized in that: Combined with market financial information, we conduct risk forecasting for current investment projects and select the specific analysis of a round of investment projects as follows: The market financial information includes the market share and growth potential of the industry in which each investment project is located; Calculate the market share and growth potential of the industry in which each investment project is located to obtain the market investment indicators of the industry in which each investment project is located; Obtain the financial indicators of each current investment project based on the current investment project information; Perform multivariate linear calculations on the market investment indicators of the industry in which each investment project is located and the financial indicators of each current investment project to obtain the risk prediction value of each current investment project; The risk prediction values ​​of each current investment project are compared with the risk threshold, and investment projects with risk prediction values ​​lower than the risk threshold are screened out as a round of investment projects.

3. An intelligent financial management system according to claim 2, characterized in that: The specific analysis of the financial indicators of each current investment project obtained based on the current investment project information is as follows: The current investment project information specifically includes the estimated net return rate of each current investment project and the number of financial risk records of each current investment project; The expected net return rate of each current investment project and the number of financial risk records of each current investment project are normalized, and then the expected net return rate of each current investment project and the number of financial risk records of each current investment project are used to perform numerical calculations to obtain the financial indicators of each current investment project.

4. An intelligent financial management system according to claim 3, characterized in that: Based on the confidence interval of the financial status of the enterprise investment, the financial indicators of the first round of investment projects were screened for the second round. The specific analysis of the second round of investment projects is as follows: Based on the enterprise investment information, the confidence interval of the financial status of the enterprise investment is obtained; Obtain the financial indicators of the first round of investment projects, and then compare the financial indicators of the first round of investment projects with the confidence interval of the financial status of the enterprise. When the financial indicators of the first round of investment projects exceed the confidence interval of the financial status of the enterprise, output that the second round of screening of the first round of investment projects is unqualified; When the financial indicators of a first-round investment project are within the confidence interval of the enterprise's financial status, the first-round investment project is marked as a second-round investment project.

5. An intelligent financial management system according to claim 4, characterized in that: The specific analysis of the confidence interval of the financial status of enterprise investment based on enterprise investment information is as follows: The enterprise investment information specifically includes the rate of return of each investment project in the enterprise's history and the risk level of each investment project in the enterprise's history; Calculate the rate of return and risk level of each investment project in the history of the enterprise to obtain the financial indicators of each investment project in the history of the enterprise, and then combine the financial indicators of each investment project in the history of the enterprise to obtain a set of financial indicators of the enterprise's investment; Obtain the mean and standard deviation of a set of financial indicators and set confidence levels based on the company's investment needs; Combining the mean, standard deviation and confidence level of the financial indicator set, the upper and lower limits of the confidence interval of the financial status of the enterprise's investment are output to obtain the confidence interval of the financial status of the enterprise's investment.

6. An intelligent financial management system according to claim 1, characterized in that: Based on the project tracking cycle, the second-round investment projects are tracked, and then the project performance of the second-round investment projects is evaluated. According to the project performance, the specific analysis of the final investment projects and the preliminary investment projects is determined as follows: Set up a project tracking cycle to track each second-round investment project within the project tracking cycle. Specific tracking includes tracking of project leaders, project progress, and project financial status; The tracking of the project leader is specifically the performance of the project team, the tracking of the project progress is specifically the project progress deviation, and the tracking of the project financial status is specifically the execution cost deviation; Based on the project team performance, project schedule deviation and execution cost deviation, the project performance of each second-round investment project is obtained; The second-round investment projects are sorted according to the size of the project performance, and the second-round investment projects with the largest project performance are marked as the final investment projects. The second-round investment projects ranked first and second in project performance among the remaining second-round investment projects are marked as preparatory investment projects.

7. An intelligent financial management system according to claim 6, characterized in that: The specific preparation strategies for the prepared investment projects are as follows: When the investment in the final investment project fails, the investment demand is received, and then a project tracker cycle is set for the preliminary investment project to track the project performance of the preliminary investment project, the project performance of the preliminary investment project is evaluated, the project performance of the preliminary investment project is compared, and the preliminary investment project with a large project performance is updated to the final investment project.

8. An intelligent financial management system according to claim 1, characterized in that: The specific analysis of intelligent financial management allocation for the final investment project by combining the current financial information of the enterprise with the enterprise budget management allocation information is as follows: The current financial information of the enterprise specifically includes the current financing cash flow of the enterprise and the current net revenue of the enterprise; The enterprise budget management allocation information specifically includes the budget limit amount and budget allocation, and the budget allocation includes operating budget, investment budget, R&D budget and marketing budget; Monitor the investment progress and financial status of the final investment project. The specific investment progress monitoring includes the return on investment and the rate of change of market share; The real-time monitored current financing cash flow, current net revenue, return on investment and market share change rate of the enterprise are compared with the financing cash threshold, net revenue threshold, return on investment threshold and market share change threshold respectively. When it is detected that the current financing cash flow of the enterprise is lower than the financing cash threshold, and the current net revenue of the enterprise is lower than the net revenue threshold, or the return on investment is lower than the return on investment threshold, and the market share change rate is lower than the market share change threshold, the investment budget adjustment demand of the final investment project is triggered. The specific investment budget is adjusted and compensated by calling the operating budget, R&D budget and marketing budget. The sum of the operating budget, investment budget, R&D budget and marketing budget shall not exceed the budget limit amount.

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