Funds management implementation method, device, equipment, storage medium and computer program product

Abstract

The present invention discloses a fund management implementation method, device, equipment, storage medium and computer program product, the method comprising: determining the parent-child account relationship of the parent company and the subsidiary in the target enterprise through a cash pool management system, and generating a virtual account based on the parent-child account relationship; adding the virtual account to the cash pool, and establishing a transfer relationship between the virtual account and the settlement account or between the virtual accounts in the cash pool; based on the transfer relationship, transferring funds upward and transferring funds downward through the virtual account. Since the present invention generates a virtual account based on the parent-child account relationship of the parent company and the subsidiary in the target enterprise, and then adds the virtual account to the cash pool, and based on the transfer relationship between the virtual account and the settlement account or between the virtual accounts established in the cash pool, transferring funds upward and transferring funds downward through the virtual account, compared with the prior art, the present invention effectively improves the efficiency of enterprise fund management and reduces financial risks.

Description

Technical Field

[0001] The present invention relates to the field of computer data processing technology, and in particular to a fund management implementation method, device, equipment, storage medium and computer program product. Background Art

[0002] In order to meet the fund management needs of corporate customers, banks provide cash pool services. In the current cash pool system architecture, the accounts in the pool are accounts used by enterprises for daily business operations to receive and pay money, which are usually called settlement accounts. Settlement accounts are accounts opened by banks for enterprises to use for daily business operations after enterprises submit relevant materials to banks in accordance with the requirements of regulatory agencies such as the People's Bank of China.

[0003] With the development of enterprise digitalization and Internet economy, the number of settlement accounts of some enterprises can no longer meet the needs of daily business operations. For example, if an enterprise has many branches or franchise stores, or if an Internet enterprise has anchors or members, etc., it is necessary to open a large number of accounts for these subordinate units in order to identify the collection and payment of these subordinate units. In addition, the efficiency requirements of the collection and payment management of subordinate units are also relatively high. In order to meet the needs of enterprises, banks provide accounting sub-units (i.e. virtual accounts) solutions. Each accounting sub-unit can be for an entity under the enterprise. These entities can use their exclusive accounting sub-units to complete the collection and payment. Relying on the information services provided by the bank, the enterprise can conveniently and efficiently complete the statistical analysis of the collection and payment, reducing many manual operations. However, the branches of enterprises that have not opened settlement accounts or are not qualified to open settlement accounts cannot participate in the cash pool and use the cash pool function, and enterprises with frequent changes in branches cannot quickly change the accounts in the cash pool, resulting in low efficiency of fund management and high financial risks.

[0004] Therefore, there is an urgent need for a fund management implementation method that can effectively improve the efficiency of fund management and reduce financial risks. Summary of the invention

[0005] The main purpose of the present invention is to provide a method, device, equipment, storage medium and computer program product for implementing fund management, aiming to solve the technical problems of low efficiency and high financial risk of fund management in the prior art.

[0006] To achieve the above object, the present invention provides a method for implementing fund management, the method comprising the following steps:

[0007] Determine the parent-subsidiary account relationship between the parent company and the subsidiary in the target enterprise through the cash pool management system, and generate a virtual account based on the parent-subsidiary account relationship;

[0008] Adding the virtual account to a cash pool, and establishing a transfer relationship between the virtual account and a settlement account or between the virtual accounts in the cash pool;

[0009] Based on the transfer relationship, funds are transferred upward and downward through the virtual account.

[0010] Optionally, the step of adding the virtual account to the cash pool includes:

[0011] Construct a fund management model, determine the business scope of the virtual account, and evaluate the needs and rules of the cash pool to obtain evaluation results;

[0012] Based on the evaluation result, determining whether data migration is required for relevant data corresponding to the virtual account;

[0013] If the relevant data corresponding to the virtual account needs to be migrated, the relevant data corresponding to the virtual account is cleaned and integrated based on the management system of the cash pool to obtain processed data;

[0014] The processed data is migrated to the management system of the cash pool.

[0015] Optionally, after the step of migrating the processed data to the management system of the cash pool, the method further includes:

[0016] Monitor the operation of the cash pool and the virtual account within a preset time interval to obtain operation status data;

[0017] Selecting at least one fund evaluation dimension to evaluate the operation status data to obtain an evaluation value;

[0018] Establishing a corresponding data model according to the selected fund evaluation dimension, analyzing the evaluation value according to the data model, and obtaining an evaluation analysis result;

[0019] The cash pool rules are optimized and adjusted according to the evaluation and analysis results and current business needs.

[0020] Optionally, the step of adding the virtual account to a cash pool and establishing a transfer relationship between the virtual account and a settlement account or between the virtual accounts in the cash pool includes:

[0021] After adding the virtual account to the cash pool, determining the account types corresponding to the parent company and the subsidiary companies in the target enterprise of the cash pool;

[0022] Analyze the transaction records between the parent company and the subsidiaries of the target enterprise of the cash pool to determine the business demand information between the parent company and the subsidiaries of the target enterprise;

[0023] A transfer relationship between the virtual account and the settlement account or between the virtual accounts is established in the cash pool according to the account type and the business demand information.

[0024] Optionally, the step of transferring funds upward and downward through the virtual account based on the transfer relationship includes:

[0025] Obtaining the income and expenditure records and credit ratings of the parent company and subsidiaries of the target enterprise of the cash pool;

[0026] Determine the entrusted loan amounts corresponding to the parent company and the subsidiary of the target enterprise respectively based on the income and expenditure records and the credit score;

[0027] Based on the entrusted loan amount, the funds between the virtual account and other virtual accounts or the settlement account are transferred upward or downward according to the transfer relationship.

[0028] Optionally, after the step of transferring funds upward and downward through the virtual account based on the transfer relationship, the method further includes:

[0029] The virtual accounts in the cash pool are used for fund management, which includes report generation, receipt printing, fee calculation and foreign exchange declaration. The virtual accounts, settlement accounts and bank internal bookkeeping numbers correspond one to one.

[0030] In addition, to achieve the above-mentioned purpose, the present invention also proposes a fund management implementation device, the device comprising:

[0031] An account generation module, used to determine the parent-child account relationship between the parent company and the subsidiary in the target enterprise through the cash pool management system, and generate a virtual account based on the parent-child account relationship;

[0032] A relationship establishment module, used for adding the virtual account to the cash pool, and establishing a transfer relationship between the virtual account and the settlement account or between the virtual accounts in the cash pool;

[0033] The fund allocation module is used to transfer funds upward and downward through the virtual account based on the transfer relationship.

[0034] In addition, to achieve the above-mentioned purpose, the present invention also proposes a fund management implementation device, which includes: a memory, a processor, and a fund management implementation program stored in the memory and executable on the processor, and the fund management implementation program is configured to implement the steps of the fund management implementation method described above.

[0035] In addition, to achieve the above-mentioned purpose, the present invention also proposes a storage medium, on which a fund management implementation program is stored, and when the fund management implementation program is executed by a processor, the steps of the fund management implementation method described above are implemented.

[0036] In addition, to achieve the above-mentioned purpose, the present application also provides a computer program product, which includes a computer program, and when the computer program is executed by a processor, the steps of the fund management implementation method described above are implemented.

[0037] The present invention discloses determining the parent-child account relationship of a parent company and a subsidiary company in a target enterprise through a cash pool management system, and generating a virtual account based on the parent-child account relationship; adding the virtual account to a cash pool, and establishing a transfer relationship between the virtual account and a settlement account or between the virtual accounts in the cash pool; and transferring funds upward and downward through the virtual account based on the transfer relationship. Since the present invention generates a virtual account based on the parent-child account relationship of a parent company and a subsidiary company in a target enterprise, and then adds the virtual account to a cash pool, and based on the transfer relationship between the virtual account and the settlement account or between the virtual accounts established in the cash pool, transfers funds upward and downward through the virtual account, compared with the prior art, the present invention realizes the addition of the virtual account to the cash pool and the transfer of funds through the virtual account, effectively improving the efficiency of enterprise fund management and reducing financial risks. BRIEF DESCRIPTION OF THE DRAWINGS

[0038] Figure 1 This is a flow chart of the first embodiment of the method for implementing fund management of the present invention;

[0039] Figure 2 An example diagram of the parent-subsidiary account relationship between the parent company and the subsidiary company in the target enterprise in the fund management implementation method of the present invention;

[0040] Figure 3 Another example diagram of the parent-subsidiary account relationship between the parent company and the subsidiary company in the target enterprise in the fund management implementation method of the present invention;

[0041] Figure 4 This is a flow chart of a second embodiment of the method for implementing fund management of the present invention;

[0042] Figure 5 This is a flow chart of a third embodiment of the method for implementing fund management of the present invention;

[0043] Figure 6 It is a structural block diagram of the first embodiment of the fund management implementation device of the present invention;

[0044] Figure 7 It is a structural diagram of a fund management implementation device in a hardware operating environment involved in an embodiment of the present invention.

[0045] The realization of the purpose, functional features and advantages of the present invention will be further explained in conjunction with embodiments and with reference to the accompanying drawings. DETAILED DESCRIPTION

[0046] It should be understood that the specific embodiments described herein are only used to explain the present invention, and are not used to limit the present invention.

[0047] The embodiment of the present invention provides a method for implementing fund management, referring to Figure 1 , Figure 1 This is a flow chart of the first embodiment of the fund management implementation method of the present invention.

[0048] In this embodiment, the fund management implementation method includes steps S10 to S30:

[0049] Step S10: Determine the parent-child account relationship between the parent company and the subsidiary company in the target enterprise through the cash pool management system, and generate a virtual account based on the parent-child account relationship.

[0050] It should be noted that the execution subject of this embodiment can be a computer server device with data processing, network communication and program running functions used in the fund management implementation scenario, such as a server, a tablet computer, a smart phone, a smart watch, etc., or an electronic device capable of implementing the above functions, a fund management implementation device, etc. The following takes a fund management implementation system (hereinafter referred to as the system) including a fund management implementation device as an example to illustrate this embodiment and the following embodiments.

[0051] It should be understood that in an enterprise, a parent company and a subsidiary are two closely related but independent corporate organizational forms. A parent company is a company that owns most of the shares of another company (i.e., a subsidiary) or can actually control other companies through other means (such as a control agreement). A subsidiary is a company whose certain number of shares are controlled and owned by another company (i.e., the parent company) or is actually controlled and dominated by another company (i.e., the parent company) in accordance with an agreement.

[0052] It should be explained that the parent-sub-account relationship may refer to the independence of the two in terms of finance and account management and the specific connection between them. In this embodiment, the parent-sub-account relationship may refer to the account types corresponding to the parent company and the subsidiary company in the target enterprise of the cash pool management system, and the account types include physical accounts (i.e., settlement accounts) and accounting sub-units (i.e., virtual accounts).

[0053] In a specific implementation, it can be known from the parent-child account relationship that the accounting sub-unit is attached to a corresponding settlement account. Therefore, a new code can be derived from the settlement account by adding a suffix, that is, a virtual account is generated based on the new code derived from the settlement account. The customer can provide this code to its trading counterparty, thereby realizing the collection and payment of funds.

[0054] Step S20: adding the virtual account to the cash pool, and establishing a transfer relationship between the virtual account and the settlement account or between the virtual accounts in the cash pool.

[0055] In a specific implementation, in order to add a virtual account to a cash pool, step S20 includes steps S201 to S204:

[0056] Step S201: construct a fund management model, determine the business scope of the virtual account, and evaluate the needs and rules of the cash pool to obtain an evaluation result.

[0057] Step S202: Based on the evaluation result, determine whether data migration is required for relevant data corresponding to the virtual account.

[0058] Step S203: If the relevant data corresponding to the virtual account needs to be migrated, the relevant data corresponding to the virtual account is cleaned and integrated based on the management system of the cash pool to obtain processed data.

[0059] Step S204: Migrate the processed data to the management system of the cash pool.

[0060] It should be understood that the above-mentioned fund management model refers to a method for effectively managing the financial funds of the current enterprise, which may include budget planning, cost control, investment and financial management, etc. Through the fund management model, funds can be effectively managed to ensure fund security and value-added. The above-mentioned fund management model may be a risk management model, a financial forecasting model, a fund allocation model, etc., which is not limited in this embodiment.

[0061] It should be explained that the demand for cash pools mainly stems from the need for internal fund management of enterprises, and aims to achieve efficient use of funds and cost reduction through centralized management and unified allocation of account balances of internal member units or affiliated enterprises. The rules of cash pools refer to the actual transfer of cash balances of bank accounts of one or more member units belonging to the same enterprise to a real master account, which is uniformly managed, allocated and used by the corporate parent company.

[0062] It should be noted that the settlement account is the bank account actually used for fund collection and payment. It can be the parent company account of the enterprise or the accounts of each subsidiary.

[0063] For example, refer to Figure 2 , Figure 2 This is an example diagram of the parent-subsidiary account relationship between the parent company and the subsidiary in the target enterprise in the fund management implementation method of the present invention. In the figure, the account of the parent company entering the pool is the settlement account (i.e., the physical account), and the subsidiary entering the pool is the bookkeeping subunit (i.e., the virtual account). Such a cash pool architecture is that the bookkeeping subunit and the settlement account enter the pool together, and each of the subsidiary's bookkeeping subunits in the figure has established a transfer relationship with its parent company account.

[0064] It needs to be explained that the bookkeeping sub-unit can be added to the cash pool: the entry into the cash pool, establishment of transfer relations, maintenance and other operations all support the bookkeeping sub-unit; currently, the account entry into the cash pool can be realized at the counter, online banking and CRM. In these channels, it is necessary to support the selection of the bookkeeping sub-unit in the place where the settlement account is originally selected. Because the bookkeeping sub-unit is attached to the settlement account, the display and selection of the settlement account and the sub-unit can be realized in the system implementation, so that the system customers can clearly understand and correctly complete the settings.

[0065] It should be noted that all product functions of the system in this embodiment, such as transfer, interest settlement, transfer, etc., need to support the accounting subunit. Because the accounting subunit does not actually store the balance, it is necessary to solve the problem of settlement account and accounting subunit account in the processing of the account. Because the accounting subunit does not actually have accounts, any account must be reflected in the settlement account attached to it. However, from the perspective of the accounting subunit's own query and the counterparty of the transfer, the account must be "reflected" in the accounting subunit. This requires special processing at the core account layer. In addition, in the control of the transfer limit card, the accounting subunit management system also needs to do corresponding processing. Therefore, the virtual account, settlement account and bank internal accounting number in this embodiment correspond one to one.

[0066] For example, refer to Figure 3 , Figure 3This is another example diagram of the parent-subsidiary account relationship between the parent company and the subsidiary in the target enterprise in the fund management implementation method of the present invention. In the figure, the account of the parent company in the pool is the accounting sub-unit (i.e., virtual account), and the subsidiary in the pool is the settlement account (i.e., physical account). Such a cash pool architecture is that the accounting sub-unit and the settlement account are pooled together. The accounting sub-unit of each subsidiary in the figure has established a transfer relationship with its parent company account. For a specific description, please refer to the above Figure 2 The contents in will not be repeated here.

[0067] In a specific implementation, after the virtual account is added to the cash pool, the account types corresponding to the parent company and the subsidiary in the target enterprise of the cash pool are determined, and the account types include virtual accounts and settlement accounts; the transaction records between the parent company and the subsidiary in the target enterprise of the cash pool are analyzed to determine the business demand information between the parent company and the subsidiary in the target enterprise; and a transfer relationship between the virtual account and the settlement account or between the virtual accounts is established in the cash pool according to the account type and the business demand information.

[0068] Step S30: Based on the transfer relationship, funds are transferred upward and downward through the virtual account.

[0069] It should be understood that fund transfer refers to the act of transferring RMB funds from one account or subsidiary to another account or subsidiary, which is usually used to centrally manage funds, optimize fund utilization efficiency, and realize flexible allocation of funds within the enterprise. In the cash pool, fund transfer is an important means to achieve centralized fund management. Through fund transfer, enterprises can centralize funds scattered in various places for unified management and operation, thereby improving fund utilization efficiency, reducing fund costs, and enhancing the financial strength and risk resistance of enterprises.

[0070] Fund allocation refers to the act of transferring existing funds from one account or project to another. Its purpose is to allocate funds between different fields or projects according to needs in order to achieve a more optimal use and management of resources. Through fund allocation, enterprises can allocate funds to different projects or fields according to actual needs to support the strategic development and business operations of the enterprise, which helps to achieve the optimal allocation of resources and improve the economic and social benefits of the enterprise.

[0071] In this embodiment, the virtual account supports fund transfer, and can realize fund transfer with other virtual accounts or settlement accounts according to the transfer relationship. Based on the transfer relationship, fund transfer and fund transfer through virtual accounts can be more accurately reflected in various branches of the enterprise, rather than being processed through a common account.

[0072] In order to reduce financial risks, in specific implementation, a comprehensive analysis can be conducted on the income and expenditure records and credit scores of the parent company and subsidiaries in the target enterprise of the cash pool, and then based on the analysis results, funds can be transferred up and down between the virtual account and other virtual accounts or settlement accounts according to the transfer relationship.

[0073] In a specific implementation, after the step of transferring funds upward and downward through the virtual account based on the transfer relationship, it also includes: using the virtual account in the cash pool to manage funds, and the fund management includes report generation, receipt printing, fee calculation and foreign exchange declaration.

[0074] It should be explained that in this embodiment, the accounting sub-unit (i.e., virtual account) in the cash pool supports fund management functions: the accounting sub-unit supports fund management functions such as report generation, receipt printing, fee calculation, and foreign exchange declaration. In report generation and receipt printing, the accounting sub-unit should be reflected in the upper and lower account number columns according to whether it is an accounting sub-unit; in terms of fee calculation, it is necessary to calculate the pool account according to the accounting sub-unit, so as to calculate the amount to be charged, and then deduct the fee from the corresponding account; in terms of foreign exchange declaration, because from the perspective of the regulator, it should be the settlement account that makes the declaration, so the accounting sub-unit needs to be translated into the settlement account to which it belongs, and the settlement account is used to complete the foreign exchange declaration.

[0075] This embodiment discloses determining the parent-child account relationship of the parent company and the subsidiary in the target enterprise through a cash pool management system, and generating a virtual account based on the parent-child account relationship; adding the virtual account to the cash pool, and establishing a transfer relationship between the virtual account and the settlement account or between the virtual accounts in the cash pool; and based on the transfer relationship, transferring funds upward and downward through the virtual account. Since this embodiment generates a virtual account based on the parent-child account relationship of the parent company and the subsidiary in the target enterprise, and then adds the virtual account to the cash pool, and based on the transfer relationship between the virtual account and the settlement account or between the virtual accounts established in the cash pool, transferring funds upward and downward through the virtual account, compared with the prior art, this embodiment realizes the addition of the virtual account to the cash pool and the transfer of funds through the virtual account, effectively improving the efficiency of enterprise fund management and reducing financial risks.

[0076] refer to Figure 4 , Figure 4 This is a flow chart of the second embodiment of the fund management implementation method of the present invention.

[0077] Based on the first embodiment described above, in this embodiment, after step S204, steps SS205 to S208 are further included:

[0078] Step S205: Within a preset time interval, the operation status of the cash pool and the virtual account is monitored to obtain operation status data.

[0079] Step S206: selecting at least one fund evaluation dimension to evaluate the operating status data to obtain an evaluation value.

[0080] Step S207: establishing a corresponding data model according to the selected fund evaluation dimension, analyzing the evaluation value according to the data model, and obtaining an evaluation analysis result.

[0081] Step S208: Optimize and adjust the cash pool rules according to the evaluation and analysis results and current business needs.

[0082] It should be noted that the capital assessment dimension is an important reference for evaluating the capital operation status, which may include but is not limited to: capital liquidity, capital security, capital utilization efficiency and capital cost, etc.

[0083] It should be understood that, according to the selected funding assessment dimension, a corresponding data model can be established for analysis. The above data model can be a regression analysis model (used to analyze the relationship between funding liquidity, funding efficiency and business growth, market changes and other factors), a risk assessment model (used to assess funding security and identify potential funding risks), a cost-benefit analysis model (used to assess funding costs and compare the cost-effectiveness of different funding sources and uses), or a time series analysis model (used to analyze the changing trend of funding flow and utilization efficiency over time).

[0084] It should be understood that the above-mentioned preset time interval can be a custom setting, and this embodiment does not limit this. By monitoring the operation of the cash pool and the virtual account within the preset time interval, and then selecting at least one fund evaluation dimension to evaluate the operation status data, the evaluation efficiency of the cash pool is improved.

[0085] This embodiment discloses that within a preset time interval, the operation status of the cash pool and the virtual account is monitored to obtain operation status data; at least one fund evaluation dimension is selected to evaluate the operation status data to obtain an evaluation value; a corresponding data model is established according to the selected fund evaluation dimension, and the evaluation value is analyzed according to the data model to obtain an evaluation analysis result; and the rules of the cash pool are optimized and adjusted according to the evaluation analysis result and the current business demand situation. Since this embodiment monitors the operation status of the cash pool and the virtual account within a preset time interval, and then selects at least one fund evaluation dimension to evaluate the operation status data, analyzes the evaluation value according to the data model, and optimizes and adjusts the rules of the cash pool according to the evaluation analysis result and the current business demand situation, compared with the prior art, this embodiment improves the evaluation efficiency of the cash pool and further reduces financial risks.

[0086] refer to Figure 5 , Figure 5 This is a flow chart of the third embodiment of the fund management implementation method of the present invention.

[0087] Based on the above embodiments, in this embodiment, step S30 includes steps S301 to S303:

[0088] Step S301: Obtain the income and expenditure records and credit scores of the parent company and subsidiaries of the target enterprise of the cash pool.

[0089] Step S302: Determine the entrusted loan amounts corresponding to the parent company and the subsidiary companies in the target enterprise respectively based on the income and expenditure records and the credit score.

[0090] Step S303: Based on the entrusted loan amount, funds between the virtual account and other virtual accounts or the settlement account are transferred upward or downward according to the transfer relationship.

[0091] It should be noted that the above-mentioned entrusted loan amount can be set as a fixed value, or it can be dynamically adjusted according to certain conditions (such as market interest rates, subsidiary performance, etc.).

[0092] In specific implementation, the transfer process can be monitored in real time to ensure the security and compliance of funds, and the transfer rules and amounts can be adjusted in a timely manner according to actual conditions and market changes to meet the funding needs of the parent company and subsidiaries.

[0093] This embodiment discloses obtaining the income and expenditure records and credit scores of the parent company and subsidiaries in the target enterprise of the cash pool; determining the entrusted loan quotas corresponding to the parent company and subsidiaries in the target enterprise respectively based on the income and expenditure records and the credit scores; and transferring funds upward and downward between the virtual account and other virtual accounts or the settlement account according to the transfer relationship based on the entrusted loan quotas. Since this embodiment determines the entrusted loan quotas corresponding to the parent company and subsidiaries in the target enterprise respectively based on the income and expenditure records and credit scores of the parent company and subsidiaries, and then transfers funds upward and downward between the virtual account and other virtual accounts or settlement accounts according to the transfer relationship based on the entrusted loan quotas, compared with the prior art, this embodiment can significantly improve the capital allocation efficiency and risk management capabilities of the enterprise.

[0094] In addition, an embodiment of the present invention further provides a storage medium, on which a fund management implementation program is stored. When the fund management implementation program is executed by a processor, the steps of the fund management implementation method described above are implemented.

[0095] Reference Figure 6 , Figure 6 This is a structural block diagram of the first embodiment of the fund management implementation device of the present invention.

[0096] like Figure 6 As shown, the fund management implementation device proposed in the embodiment of the present invention includes: an account generation module 601, a relationship establishment module 602 and a fund allocation module 603.

[0097] The account generation module 601 is used to determine the parent-child account relationship between the parent company and the subsidiary company in the target enterprise through the cash pool management system, and generate a virtual account based on the parent-child account relationship.

[0098] The relationship establishment module 602 is used to add the virtual account to the cash pool, and establish a transfer relationship between the virtual account and the settlement account or between the virtual accounts in the cash pool.

[0099] The fund allocation module 603 is used to transfer funds upward and downward through the virtual account based on the transfer relationship.

[0100] The relationship establishment module 602 is also used to build a fund management model, determine the business scope of the virtual account, and evaluate the needs and rules of the cash pool to obtain an evaluation result; based on the evaluation result, determine whether the relevant data corresponding to the virtual account needs to be migrated; if the relevant data corresponding to the virtual account needs to be migrated, then based on the management system of the cash pool, the relevant data corresponding to the virtual account is cleaned and integrated to obtain processed data; and the processed data is migrated to the management system of the cash pool.

[0101] The relationship establishment module 602 is also used to determine the account types corresponding to the parent company and the subsidiary in the target enterprise of the cash pool after adding the virtual account to the cash pool; analyze the transaction records between the parent company and the subsidiary in the target enterprise of the cash pool to determine the business demand information between the parent company and the subsidiary in the target enterprise; and establish a transfer relationship between the virtual account and the settlement account or between the virtual accounts in the cash pool according to the account type and the business demand information.

[0102] The fund allocation module 603 is also used to use the virtual accounts in the cash pool to manage funds. The fund management includes report generation, receipt printing, fee calculation and foreign exchange declaration. The virtual accounts, settlement accounts and bank internal accounting numbers correspond one to one.

[0103] The embodiment of the present device discloses determining the parent-child account relationship of the parent company and the subsidiary in the target enterprise through a cash pool management system, and generating a virtual account based on the parent-child account relationship; adding the virtual account to the cash pool, and establishing a transfer relationship between the virtual account and the settlement account or between the virtual accounts in the cash pool; and based on the transfer relationship, transferring funds upward and transferring funds downward through the virtual account. Since the embodiment of the present device generates a virtual account based on the parent-child account relationship of the parent company and the subsidiary in the target enterprise, and then adds the virtual account to the cash pool, and based on the transfer relationship between the virtual account and the settlement account or between the virtual accounts established in the cash pool, transferring funds upward and transferring funds downward through the virtual account, compared with the prior art, the embodiment of the present device realizes the addition of the virtual account to the cash pool and the transfer of funds through the virtual account, which effectively improves the efficiency of enterprise fund management and reduces financial risks.

[0104] Based on the above-mentioned first embodiment of the fund management implementation device of the present invention, a second embodiment of the fund management implementation device of the present invention is proposed.

[0105] In this embodiment, the relationship establishment module 602 is also used to monitor the operation status of the cash pool and the virtual account within a preset time interval to obtain operation status data; select at least one fund evaluation dimension to evaluate the operation status data to obtain an evaluation value; establish a corresponding data model based on the selected fund evaluation dimension, analyze the evaluation value based on the data model to obtain an evaluation analysis result; optimize and adjust the rules of the cash pool based on the evaluation analysis result and current business needs.

[0106] Other embodiments or specific implementation methods of the fund management implementation device of the present invention can refer to the above-mentioned method embodiments, which will not be repeated here.

[0107] The present application provides a fund management implementation device, which includes: at least one processor; and a memory communicatively connected to the at least one processor; wherein the memory stores instructions executable by the at least one processor, and the instructions are executed by the at least one processor so that the at least one processor can execute the fund management implementation method in the above-mentioned embodiment one.

[0108] Reference below Figure 7 , which shows a schematic diagram of the structure of a fund management implementation device suitable for implementing the embodiment of the present application. The fund management implementation device in the embodiment of the present application may include but is not limited to mobile terminals such as mobile phones, laptop computers, digital broadcast receivers, PDAs (Personal Digital Assistants), PADs (Portable Application Descriptions), PMPs (Portable Media Players), vehicle-mounted terminals (such as vehicle-mounted navigation terminals), etc., and fixed terminals such as digital TVs, desktop computers, etc. Figure 7 The fund management implementation device shown is merely an example and should not bring any limitation to the functions and scope of use of the embodiments of the present application.

[0109] like Figure 7As shown, the fund management implementation device may include a processing device 1001 (e.g., a central processing unit, a graphics processor, etc.), which can perform various appropriate actions and processes according to a program stored in a read-only memory (ROM: Read Only Memory) 1002 or a program loaded from a storage device 1003 to a random access memory (RAM: Random Access Memory) 1004. In RAM1004, various programs and data required for the operation of the fund management implementation device are also stored. The processing device 1001, ROM1002, and RAM1004 are connected to each other through a bus 1005. An input / output (I / O) interface 1006 is also connected to the bus. Generally, the following systems can be connected to the I / O interface 1006: an input device 1007 including, for example, a touch screen, a touch pad, a keyboard, a mouse, an image sensor, a microphone, an accelerometer, a gyroscope, etc.; an output device 1008 including, for example, a liquid crystal display (LCD: Liquid Crystal Display), a speaker, a vibrator, etc.; a storage device 1003 including, for example, a magnetic tape, a hard disk, etc.; and a communication device 1009. The communication device 1009 can allow the fund management implementation device to communicate with other devices wirelessly or by wire to exchange data. Although the figure shows a fund management implementation device with various systems, it should be understood that it is not required to implement or have all the systems shown. More or fewer systems can be implemented or have alternatively.

[0110] In particular, according to the embodiments disclosed in the present application, the process described above with reference to the flowchart can be implemented as a computer software program. For example, the embodiments disclosed in the present application include a computer program product, which includes a computer program carried on a computer-readable medium, and the computer program includes a program code for executing the method shown in the flowchart. In such an embodiment, the computer program can be downloaded and installed from a network through a communication device, or installed from a storage device 1003, or installed from a ROM 1002. When the computer program is executed by the processing device 1001, the above-mentioned functions defined in the method of the embodiment disclosed in the present application are executed.

[0111] The fund management implementation device provided by the present application adopts the fund management implementation method in the above embodiment, which can solve the technical problems of low efficiency and high financial risk of fund management in the prior art. Compared with the prior art, the beneficial effects of the fund management implementation device provided by the present application are the same as the beneficial effects of the fund management implementation method provided by the above embodiment, and the other technical features in the fund management implementation device are the same as the features disclosed in the method of the previous embodiment, which will not be repeated here.

[0112] It should be understood that the various parts disclosed in this application can be implemented by hardware, software, firmware or a combination thereof. In the description of the above embodiments, specific features, structures, materials or characteristics can be combined in any one or more embodiments or examples in a suitable manner.

[0113] The above is only a specific implementation of the present application, but the protection scope of the present application is not limited thereto. Any person skilled in the art who is familiar with the present technical field can easily think of changes or substitutions within the technical scope disclosed in the present application, which should be included in the protection scope of the present application. Therefore, the protection scope of the present application should be based on the protection scope of the claims.

[0114] The flow chart and block diagram in the accompanying drawings illustrate the possible architecture, function and operation of the system, method and computer program product according to various embodiments of the present application. In this regard, each square box in the flow chart or block diagram can represent a module, a program segment or a part of a code, and the module, the program segment or a part of the code contains one or more executable instructions for realizing the specified logical function. It should also be noted that in some alternative implementations, the functions marked in the square box can also occur in a sequence different from that marked in the accompanying drawings. For example, two square boxes represented in succession can actually be executed substantially in parallel, and they can sometimes be executed in the opposite order, depending on the functions involved. It should also be noted that each square box in the block diagram and / or flow chart, and the combination of the square boxes in the block diagram and / or flow chart can be implemented with a dedicated hardware-based system that performs a specified function or operation, or can be implemented with a combination of dedicated hardware and computer instructions.

[0115] The modules involved in the embodiments described in this application may be implemented by software or hardware, wherein the name of the module does not constitute a limitation on the unit itself in some cases.

[0116] The present application also provides a computer program product, including a computer program, which implements the steps of the above-mentioned fund management implementation method when executed by a processor.

[0117] The computer program product provided by this application can solve the technical problems of low efficiency and high financial risk of fund management in the prior art. Compared with the prior art, the beneficial effects of the computer program product provided by this application are the same as the beneficial effects of the fund management implementation method provided by the above embodiment, which will not be repeated here.

[0118] It should be noted that, in this article, the terms "include", "comprises" or any other variations thereof are intended to cover non-exclusive inclusion, so that a process, method, article or system including a series of elements includes not only those elements, but also other elements not explicitly listed, or also includes elements inherent to such process, method, article or system. In the absence of further restrictions, an element defined by the sentence "comprises a ..." does not exclude the existence of other identical elements in the process, method, article or system including the element.

[0119] 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.

[0120] Through the description of the above implementation methods, those skilled in the art can clearly understand that the above-mentioned embodiment methods can be implemented by means of software plus a necessary general hardware platform, and of course can also be implemented by hardware, but in many cases the former is a better implementation method. Based on such an understanding, the technical solution of the present invention, or the part that contributes to the prior art, can be embodied in the form of a software product, which is stored in a storage medium (such as a read-only memory / random access memory, a magnetic disk, or an optical disk), and includes a number of instructions for a terminal device (which can be a mobile phone, a computer, a server, an air conditioner, or a network device, etc.) to execute the methods described in each embodiment of the present invention.

[0121] The above are only preferred embodiments of the present invention, and are not intended to limit the patent scope of the present invention. Any equivalent structure or equivalent process transformation made using the contents of the present invention specification and drawings, or directly or indirectly applied in other related technical fields, are also included in the patent protection scope of the present invention.

Claims

1. A method for implementing fund management, characterized in that: The method comprises: Determine the parent-subsidiary account relationship between the parent company and the subsidiary in the target enterprise through the cash pool management system, and generate a virtual account based on the parent-subsidiary account relationship; Adding the virtual account to a cash pool, and establishing a transfer relationship between the virtual account and a settlement account or between the virtual accounts in the cash pool; Based on the transfer relationship, funds are transferred upward and downward through the virtual account.

2. The method for implementing fund management according to claim 1, characterized in that: The step of adding the virtual account to the cash pool comprises: Construct a fund management model, determine the business scope of the virtual account, and evaluate the needs and rules of the cash pool to obtain evaluation results; Based on the evaluation result, determining whether data migration is required for relevant data corresponding to the virtual account; If the relevant data corresponding to the virtual account needs to be migrated, the relevant data corresponding to the virtual account is cleaned and integrated based on the management system of the cash pool to obtain processed data; The processed data is migrated to the management system of the cash pool.

3. The method for implementing fund management as claimed in claim 2, characterized in that: After the step of migrating the processed data to the cash pool management system, the method further includes: Monitor the operation of the cash pool and the virtual account within a preset time interval to obtain operation status data; Selecting at least one fund evaluation dimension to evaluate the operation status data to obtain an evaluation value; Establishing a corresponding data model according to the selected fund evaluation dimension, analyzing the evaluation value according to the data model, and obtaining an evaluation analysis result; The cash pool rules are optimized and adjusted according to the evaluation and analysis results and current business needs.

4. The method for implementing fund management according to claim 1, characterized in that: The step of adding the virtual account to the cash pool and establishing a transfer relationship between the virtual account and a settlement account or between the virtual accounts in the cash pool includes: After adding the virtual account to the cash pool, determining the account types corresponding to the parent company and the subsidiary companies in the target enterprise of the cash pool; Analyze the transaction records between the parent company and the subsidiaries of the target enterprise of the cash pool to determine the business demand information between the parent company and the subsidiaries of the target enterprise; A transfer relationship between the virtual account and the settlement account or between the virtual accounts is established in the cash pool according to the account type and the business demand information.

5. The method for implementing fund management according to claim 1, characterized in that: The step of transferring funds upward and downward through the virtual account based on the transfer relationship includes: Obtaining the income and expenditure records and credit ratings of the parent company and subsidiaries of the target enterprise of the cash pool; Determine the entrusted loan amounts corresponding to the parent company and the subsidiary of the target enterprise respectively based on the income and expenditure records and the credit score; Based on the entrusted loan amount, the funds between the virtual account and other virtual accounts or the settlement account are transferred upward or downward according to the transfer relationship.

6. The method for implementing fund management according to any one of claims 1 to 5, characterized in that: After the step of transferring funds upward and downward through the virtual account based on the transfer relationship, the method further includes: The virtual accounts in the cash pool are used for fund management, which includes report generation, receipt printing, fee calculation and foreign exchange declaration. The virtual accounts, settlement accounts and bank internal bookkeeping numbers correspond one to one.

7. A fund management implementation device, characterized in that: The device comprises: An account generation module, used to determine the parent-child account relationship between the parent company and the subsidiary in the target enterprise through the cash pool management system, and generate a virtual account based on the parent-child account relationship; A relationship establishment module, used for adding the virtual account to the cash pool, and establishing a transfer relationship between the virtual account and the settlement account or between the virtual accounts in the cash pool; The fund allocation module is used to transfer funds upward and downward through the virtual account based on the transfer relationship.

8. A fund management implementation device, characterized in that: The device comprises: a memory, a processor, and a fund management implementation program stored in the memory and executable on the processor, wherein the fund management implementation program is configured to implement the steps of the fund management implementation method according to any one of claims 1 to 6.

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

10. A computer program product, characterized in that The computer program product comprises a computer program, and when the computer program is executed by a processor, the steps of the fund management implementation method according to any one of claims 1 to 6 are implemented.

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