Pension fund management method, device and equipment and storage medium

Abstract

The invention discloses an old-age care fund management method and device, equipment and a storage medium, and relates to the field of asset management, and the method comprises the steps: transferring a to-be-shunted fund into a target main account, and transferring the to-be-shunted fund from the target main account to a target sub-account according to a label of the to-be-shunted fund; determining a main account fund and a sub-account fund to record fund flow conditions of the target main account and the target sub-account; respectively carrying out interest bearing on the target main account and the target sub-account based on the fund flow condition to obtain a main account interest bearing result and a sub-account interest bearing result; the main account funds and the sub-account funds are adjusted according to the interest bearing result, and the fund flow condition is recorded; wherein the target main account is an entity account of the pension institution, the target sub-accounts comprise a daily fund account and a plurality of special fund accounts, the target sub-accounts are virtual sub-accounts managed by the target main account, and each special fund account manages a corresponding customer special fund account. According to the invention, the old-age care funds are managed and monitored.

Description

Technical Field

[0001] The present invention relates to the field of asset management, and in particular to a pension fund management method, device, equipment and storage medium. Background Art

[0002] As my country enters a moderately aging society, the elderly population is large and aging rapidly. Elderly care issues have become an important issue concerning people's livelihood and well-being. The prepayment model, as a common business model in the service industry, has been widely used in the elderly care industry. Fund supervision is already a relatively mature technology in scenarios such as real estate prepayment and education and training prepayment, but the elderly care scenario has its own particularity, such as the variety of elderly care prepayment funds, the scattered accounts of elderly care institutions, and the inability to accrue interest on elderly care deposits. This makes it difficult for the existing fund supervision system to meet the needs of supervising elderly care funds. Summary of the invention

[0003] In view of this, the purpose of the present invention is to provide a pension fund management method, device, equipment and storage medium, which can reduce the difficulty of supervising pension funds. The specific scheme is as follows:

[0004] In a first aspect, the present application discloses a pension fund management method, comprising:

[0005] Transferring the funds to be diverted into a target main account, and transferring the funds to be diverted from the target main account to a target sub-account according to the label of the funds to be diverted;

[0006] Determine the main account funds of the target main account and the sub-account funds corresponding to the target sub-account, and record the fund flow of the target main account and the target sub-account based on the main account funds and the sub-account funds;

[0007] At the end of the interest calculation period, the target master account and the target sub-account are respectively calculated based on the funds flow according to the pre-set interest calculation rules to obtain the master account interest calculation result and the sub-account interest calculation result; the master account interest calculation result is the master account interest generated by the funds in the master account, and the sub-account interest calculation result is the sub-account interest that the target master account should allocate to the target sub-account;

[0008] Adjust the funds in the main account and the sub-account according to the interest calculation results of the main account and the sub-account through the main account, and record the fund flow of the target main account and the target sub-account;

[0009] Among them, the target main account is the physical account of the nursing home, the target sub-account includes a daily fund account and several special fund accounts, and the target sub-account is a virtual sub-account managed by the target main account, and each special fund account manages the corresponding special fund account of each customer.

[0010] Optionally, the transferring the funds to be diverted from the target main account to the target sub-account according to the label of the funds to be diverted includes:

[0011] If the funds to be diverted have no label, the funds to be diverted are transferred to the daily funds account.

[0012] Optionally, the transferring the funds to be diverted from the target main account to the target sub-account according to the label of the funds to be diverted includes:

[0013] Determine the target customer corresponding to the funds to be diverted, and judge whether there is a target customer special fund account corresponding to the target customer under each of the special fund accounts;

[0014] If the target customer special fund account exists, the funds to be diverted are transferred from the target main account to each of the target customer special fund accounts according to the label of the funds to be diverted;

[0015] If the target customer special fund account does not exist, a target customer special fund account is created under each of the special fund accounts, and the funds to be diverted are transferred from the target main account to each of the target customer special fund accounts according to the label of the funds to be diverted.

[0016] Optionally, at the end of the interest calculation period, the target main account and the target sub-account are calculated interest according to the pre-set interest rules based on the capital flow situation to obtain the main account interest calculation result and the sub-account interest calculation result, including:

[0017] At the end of the interest calculation period, the interest accumulation amount of the main account corresponding to the target main account and the interest accumulation amount of each sub-account corresponding to each target sub-account are determined according to the pre-set interest rules based on the fund flow situation;

[0018] The interest calculation result of the main account is determined based on the accumulated interest of the main account, and the interest calculation result of each sub-account is determined based on the accumulated interest of each sub-account.

[0019] Optionally, adjusting the funds in the main account and the funds in the sub-account according to the interest calculation result of the main account and the interest calculation result of the sub-account through the main account includes:

[0020] Determine the sub-account interest calculation ratio corresponding to each of the target sub-accounts based on the sub-account interest calculation result;

[0021] The main account funds and the sub-account funds are adjusted through the main account according to the main account interest calculation result and the interest calculation ratio of each sub-account.

[0022] Optionally, the pension fund management method further includes:

[0023] Obtaining a pension fund use request, determining a target account, a target sub-account, and a target unfreezing amount based on the pension fund use request, and determining whether the pension fund use request meets the fund use conditions;

[0024] If the pension fund use request meets the fund use conditions, unfreeze the target unfrozen amount of funds to be transferred out in the target sub-account based on the pension fund use request, and transfer the funds to be transferred out into the target main account;

[0025] The funds to be transferred out are transferred from the target main account to the target account, and the fund flow of the target main account and the target sub-account is recorded.

[0026] Optionally, the pension fund management method further includes:

[0027] The preset abnormal rules and the isolation forest algorithm are used to comprehensively determine the abnormal fund risk of the nursing home based on the fund flow situation, and generate corresponding fund risk warning signals.

[0028] In a second aspect, the present application discloses a pension fund management device, comprising:

[0029] A fund diversion module, used to transfer the funds to be diverted into a target main account, and transfer the funds to be diverted from the target main account to a target sub-account according to the label of the funds to be diverted;

[0030] A flow determination module, used to determine the main account funds of the target main account and the sub-account funds corresponding to the target sub-account, and record the fund flow of the target main account and the target sub-account based on the main account funds and the sub-account funds;

[0031] An interest determination module, used for calculating interest on the target main account and the target sub-account respectively based on the fund flow according to the pre-set interest rules at the end of the interest calculation period, so as to obtain a main account interest calculation result and a sub-account interest calculation result; the main account interest calculation result is the main account interest generated by the main account funds, and the sub-account interest calculation result is the sub-account interest that the target main account should allocate to the target sub-account;

[0032] An interest distribution module, used to adjust the funds in the main account and the sub-account according to the interest calculation results of the main account and the sub-account through the main account, and record the fund flow of the target main account and the target sub-account;

[0033] Among them, the target main account is the physical account of the nursing home, the target sub-account includes a daily fund account and several special fund accounts, and the target sub-account is a virtual sub-account managed by the target main account, and each special fund account manages the corresponding special fund account of each customer.

[0034] In a third aspect, the present application discloses an electronic device, comprising:

[0035] Memory, used to store computer programs;

[0036] The processor is used to execute the computer program to implement the aforementioned pension fund management method.

[0037] In a fourth aspect, the present application discloses a computer-readable storage medium for storing a computer program, wherein the computer program implements the aforementioned pension fund management method when executed by a processor.

[0038] In the present application, when managing the funds of the nursing home, the funds to be diverted are transferred to the target main account, and the funds to be diverted are transferred from the target main account to the target sub-account according to the label of the funds to be diverted; the main account funds of the target main account and the sub-account funds corresponding to the target sub-account are determined, and the fund flow of the target main account and the target sub-account is recorded based on the main account funds and the sub-account funds; at the end of the interest calculation period, the target main account and the target sub-account are respectively calculated based on the fund flow according to the pre-set interest rules to obtain the main account interest calculation result and the sub-account interest calculation result; the main account interest calculation result The result is the main account interest generated by the main account funds, and the sub-account interest calculation result is the sub-account interest that the target main account should allocate to the target sub-account; the main account funds and the sub-account funds are adjusted through the main account according to the main account interest calculation result and the sub-account interest calculation result, and the fund flow of the target main account and the target sub-account is recorded; wherein, the target main account is the physical account of the nursing home, the target sub-account includes a daily fund account and several special fund accounts, and the target sub-account is a virtual sub-account managed by the target main account, and each special fund account manages the corresponding special fund account of each customer. It can be seen that this application sets up a multi-level account system, allocates the main account funds of the nursing home to different virtual accounts according to the purpose of the funds, and records the corresponding fund flow when the fund flow occurs, thereby realizing the comprehensive management and monitoring of various funds, reducing the complexity of fund management, and realizing the separate interest calculation of each target sub-account. BRIEF DESCRIPTION OF THE DRAWINGS

[0039] In order to more clearly illustrate the embodiments of the present invention or the technical solutions in the prior art, the drawings required for use in the embodiments or the description of the prior art will be briefly introduced below. Obviously, the drawings described below are only embodiments of the present invention. For ordinary technicians in this field, other drawings can be obtained based on the provided drawings without paying creative work.

[0040] Figure 1 A flowchart of a pension fund management method disclosed in this application;

[0041] Figure 2 A schematic diagram of an account configuration method disclosed in this application;

[0042] Figure 3 A schematic diagram of a pension fund management function disclosed in this application;

[0043] Figure 4 A schematic diagram of a method for realizing abnormal fund warning disclosed in this application;

[0044] Figure 5 A schematic diagram of a method for calculating and allocating interest to each account disclosed in this application;

[0045] Figure 6 This is a schematic diagram of the structure of a pension fund management device disclosed in this application;

[0046] Figure 7 This is a structural diagram of an electronic device disclosed in this application. DETAILED DESCRIPTION

[0047] The following will be combined with the drawings in the embodiments of the present invention to clearly and completely describe the technical solutions in the embodiments of the present invention. Obviously, the described embodiments are only part of the embodiments of the present invention, not all of the embodiments. Based on the embodiments of the present invention, all other embodiments obtained by ordinary technicians in this field without creative work are within the scope of protection of the present invention.

[0048] The particularity of the elderly care scenario brings about many types of elderly care prepaid funds, scattered accounts of elderly care institutions, and the inability to accrue interest on elderly care deposits. As a result, the existing fund supervision system is unable to meet the needs of supervising elderly care funds. In order to solve the above technical problems, this application discloses a method for managing elderly care funds, which can reduce the difficulty of supervising elderly care funds.

[0049] See also Figure 1 As shown, the embodiment of the present invention discloses a pension fund management method, including:

[0050] Step S11: transfer the funds to be diverted into a target main account, and transfer the funds to be diverted from the target main account to a target sub-account according to the label of the funds to be diverted.

[0051] In this embodiment, the account structure is as follows Figure 2 As shown in the figure, the target main account is the physical account of the nursing home, and the target sub-accounts include daily fund accounts and several special fund accounts. The target sub-accounts are virtual sub-accounts managed by the target main account, and each special fund account manages the corresponding special fund accounts of each customer. The target main account is a first-level account, the target sub-account is a second-level account, and the customer special fund account is a third-level account. The first-level account opened by the nursing home is a physical account. It is used to receive all external fund inflows and is responsible for allocating funds to the second-level account; the first-level account has a second-level fund purpose account, which is a virtual account. According to the purpose of funds, it is divided into daily fund accounts and special fund accounts, which are used by nursing homes to store and manage funds for specific purposes, such as deposits, service fees, membership fees, etc.; the second-level account has a third-level virtual account (that is, a customer special fund account) to record each customer's prepaid amount and fund usage. It does not involve physical cards and is mainly used for internal accounting and fund management.

[0052] In this embodiment, each account has a supervision rule set up, and the supervision rule configuration supports rules such as none, application by approval flow, and unfreezing by proportion. The daily fund account is the daily operating fund of the nursing home, and the supervision fund configuration can be configured as "none", but only one secondary account can be set as the daily fund account. The use and allocation of funds in the secondary and tertiary accounts must be carried out through the primary account.

[0053] In this embodiment, when there is money in the main account (that is, money to be diverted), it is necessary to allocate the money in the account to the corresponding secondary account according to the label of the money in the account, such as label "00" represents the daily fund account, and labels "01", "02", "03", etc. represent different special fund accounts. The specific process of allocating the money to be diverted may include: if the money to be diverted has no label, the money to be diverted is transferred to the daily fund account. If the money to be diverted has a label, and the label is not "00" (that is, the target sub-account is not a daily fund account), the target customer corresponding to the money to be diverted is determined, and it is determined whether there is a target customer special fund account corresponding to the target customer under each special fund account; if there is a target customer special fund account, the money to be diverted is transferred from the target main account to each target customer special fund account according to the label of the money to be diverted; if there is no target customer special fund account, a target customer special fund account is created under each special fund account, and the money to be diverted is transferred from the target main account to each target customer special fund account according to the label of the money to be diverted. In addition, when an account enters a special fund account, it will be supervised according to the configured supervision rules. For example, when the supervision rules configure freezing, the funds in the account will be frozen, and will be unfrozen when the unfreezing configuration conditions are met.

[0054] Step S12: determining the main account funds of the target main account and the sub-account funds corresponding to the target sub-account, and recording the fund flow of the target main account and the target sub-account based on the main account funds and the sub-account funds.

[0055] In this embodiment, after the funds to be diverted are allocated to each target sub-account, the main account funds and sub-account funds can be updated to record the fund flow of the target main account and target sub-account based on the main account funds and sub-account funds before and after the allocation.

[0056] In this embodiment, Figure 2 As shown, in addition to realizing the allocation of the incoming funds, it is also possible to determine whether to transfer out funds when obtaining the pension fund use request. The specific process may include: obtaining the pension fund use request, determining the target account, target sub-account and target unfreezing amount based on the pension fund use request, and determining whether the pension fund use request meets the fund use conditions; if the pension fund use request meets the fund use conditions, then unfreeze the target unfreezing amount of the target sub-account to be transferred based on the pension fund use request, and transfer the target transfer funds to the target main account; transfer the target transfer funds from the target main account to the target account, and record the fund flow of the target main account and the target sub-account. It is understandable that there is no judgment restriction when the daily fund account is used for fund calls. When used, the target main account and the daily fund account are recorded at the same time, and the main account is actually deducted.

[0057] In this embodiment, if the request for the use of pension funds is for the funds in the special fund account, it is necessary to determine whether it meets the conditions for the use of funds. The specific determination methods may include: a method for determining the direction of funds, a method for determining the approval result, a method for determining the account threshold, etc. The method for determining the direction of funds includes a technical method for determining the counterparty and a technical method for checking user information. If the name of the transaction party contains a configured phrase, the transaction is rejected, such as "real estate", "loan", etc., the transaction can be rejected; if the fund transaction is a refund for the customer, the bank account verification interface can be called to check whether it is consistent with the refund customer information, and the transaction is rejected if it is inconsistent. The approval result determination method is to configure the approval flow for the use of account funds. It is necessary to obtain the corresponding approval result that indicates the approval is passed before it can be determined that the request for the use of pension funds meets the conditions for the use of funds. The account threshold determination method is to limit the request for the use of pension funds by setting the use threshold of each account. When the amount used exceeds the use threshold, the transaction is rejected. After the judgment is passed, the main account and the sub-account are recorded at the same time, and the main account is actually deducted.

[0058] In addition, the preset abnormal rules and the isolation forest algorithm can be used to comprehensively determine the abnormal fund risk of the nursing home based on the fund flow situation, and generate corresponding fund risk warning signals. Figure 4 As shown, in a specific embodiment, information data configuration is first performed, including basic customer information, staff information, and procurement transaction counterparty information, which must be registered and entered into the system as required. Account data and transaction data flow into the online networked database in real time for storage. Transaction data includes the inflow and outflow data of funds in each account of the nursing home, including amount, time, transaction object, etc. In addition, the data of the nursing home is opened to the regulatory agency as required, and the specific data of the regulatory agency, such as the blacklist, is open to the nursing home for application.

[0059] After investigating the actual situation of the nursing home, the preset abnormal rules of fund risk warning are configured to optimize the warning signal. The preset abnormal rules cover several aspects such as large-amount fund changes, frequent fund flows, abnormal transaction objects, fund flow conditions, and abnormal fluctuations in account balances. For large-amount fund changes, reasonable large-amount fund thresholds can be set for different types of funds. For example, large payments for nursing service fees may be related to normal business such as upgrades to accommodation packages, but large outflows of membership fees may be risky. For frequent fund flows, the frequency of fund flows in different categories of accounts in a short period of time can be monitored. If they are too frequent, there may be risks such as money laundering and misappropriation of funds. For example, the deposit fee suddenly flows out at a high frequency, but generally there will not be a large number of elderly people collectively refunding the fees, which is an abnormal situation. For abnormal transaction objects, the blacklist set by the regulatory agency is applied. When there is a fund transaction with the object on the blacklist, it is considered abnormal. At the same time, the expenditure items of nursing homes are usually relatively fixed. If the fund outflow party of a specific account does not match the industry or does not match the registration information of the procurement transaction counterparty, it is considered abnormal. In addition, in order to monitor abnormal fluctuations in account balances, since it is often difficult to detect problems in a single transaction, the fluctuations in the total amount are monitored, and the impact of seasonal factors, business cycles, etc. on account balances are considered. When the balance fluctuates significantly, a risk warning is issued.

[0060] In this embodiment, since the early warning rules usually need to be manually configured after the investigation, their effectiveness depends on experience and the completeness of the offline investigation, which is easy to differ from the actual situation. If the difference is large, on the one hand, the actual financial risk cannot be intercepted, and on the other hand, the accuracy of the early warning will be low, resulting in a large number of false early warnings, wasting regulatory manpower and affecting the normal operation of the institution. Therefore, for the early warning of financial risks, a model algorithm setting is added. For example, for nursing homes that have been operating normally and stably for 2 years or more and have been verified to have no financial risks, their historical data and the large database of regulatory agencies are used, and the isolation forest algorithm is used to warn of abnormal funds in the account.

[0061] In a specific implementation, setting the model algorithm may include: data initialization, binary tree construction, and abnormality determination. Specifically, the relevant characteristic data of the pension institution account funds are initialized, including the transaction amount x1, transaction frequency x2, account balance change rate x3, fund flow category x4, transaction amount standard deviation x5, etc. within a unit time period (depending on the data density of the transaction, the time period can be set to one day or one week). These data are organized into an n*m matrix X (where m=5 is the number of features), and the elements in the matrix are Represents the value of the jth feature in the comprehensive situation of funds in the i-th time period (for example, the situation of funds on a certain day) (i is a positive integer, j is a positive integer not greater than 5). For example, Indicates the standard deviation of the transaction amount in the second time period of the corresponding account. Indicates the balance change rate of the corresponding account in the third time period.

[0062] After obtaining the matrix X, we can randomly select a feature from the feature set {x1, x2, x3, x4, x5} (random is a positive integer not greater than 5), for example, randomly select x2 (transaction frequency), and then randomly select a split point p within the range of transaction frequency. For each sample point in the data set (i is a positive integer), according to its selected features The value on the left subtree (here is the transaction frequency x2) and the size relationship of the split point p divide it into the left subtree or the right subtree. Repeat this process until the stopping condition is met (such as the tree reaches the preset maximum depth or the number of samples in the node is less than a certain threshold, etc.), thus constructing a binary tree T. By repeating the above process many times, k binary trees are constructed, forming an isolation forest model F={T1, T2, ...T k}. In the process of building a binary tree, for the path length The calculation of is as follows:

[0063] ;

[0064] For example, for a sample point of fund data of a nursing home account , if the node it is located at during the construction of the binary tree is already a leaf node, then is 0; if it is not a leaf node, assume that its parent node is ,and is 3, then is 4. Here It is also a sample point representing the comprehensive situation of the funds in the pension institution account, but it is in the binary tree structure The parent node position.

[0065] After the binary tree is constructed, anomaly determination can be performed, including three steps: average path length calculation, average path length expectation calculation, and anomaly score calculation. First, calculate the average path length. When there is new pension institution account fund data When inputting, for each sample point , calculate its average path length in the isolated forest. For example, monitoring the latest time period of the pension institution's fund transaction data points as , to calculate its average path length in k binary trees, assuming k=10, the average path length is as follows:

[0066] ;

[0067] in express In the i-th binary tree T i The path length in , and then the average path expectation can be calculated , the calculation formula is:

[0068] ;

[0069] in is the number of newly input nursing home account fund data samples. For example, if 7 pieces of nursing home account fund data for the last 7 time periods are newly input, then is 7, which can be calculated according to the above formula The value of is the harmonic number, when It is 7 o'clock. The value of can be approximated as , is Euler's constant, which can be 0.5772156649.

[0070] Finally, the anomaly score can be determined according to the anomaly score calculation formula. The anomaly score calculation formula is:

[0071] ;

[0072] For example, for a newly entered sample point of funds in a nursing home account , has been calculated and According to this formula, the anomaly score can be calculated Set a suitable abnormal score threshold θ (which can be determined by cross-validation on the training data, for example, by analyzing the historical normal pension institution account fund data to obtain a suitable threshold). When it is greater than θ, it can be determined that the corresponding financial situation of the nursing home (the comprehensive financial situation within this time period) has abnormal risks. For example, an abnormally large amount of fund transaction (corresponding to the abnormal x1 feature) or abnormally frequent fund changes in a certain account (corresponding to the abnormal x2 feature) will be identified.

[0073] Step S13: at the end of the interest calculation period, interest is calculated on the target master account and the target sub-account respectively according to the pre-set interest calculation rules based on the fund flow situation to obtain a master account interest calculation result and a sub-account interest calculation result; the master account interest calculation result is the main account interest generated by the main account funds, and the sub-account interest calculation result is the sub-account interest that the target master account should allocate to the target sub-account.

[0074] In this embodiment, at the end of the interest calculation period, the target main account and the target sub-account can be respectively calculated based on the pre-set interest rules and the capital flow to obtain the main account interest calculation results and the sub-account interest calculation results. Specifically, it may include: at the end of the interest calculation period, the main account interest accumulation corresponding to the target main account and the interest accumulation of each sub-account corresponding to each target sub-account are determined based on the capital flow according to the pre-set interest rules; the main account interest calculation result is determined based on the main account interest accumulation, and the interest calculation result of each sub-account is determined based on the interest accumulation of each sub-account. Among them, the main account interest calculation result is the main account interest generated by the main account funds, and the sub-account interest calculation result is the sub-account interest that the target main account should allocate to the target sub-account. When calculating interest, the target main account and each target sub-account adopt the same interest calculation rules.

[0075] Step S14: adjusting the funds in the main account and the sub-account according to the interest calculation results of the main account and the sub-account through the main account, and recording the fund flow of the target main account and the target sub-account.

[0076] In this embodiment, Figure 5 As shown, the main account funds and sub-account funds are adjusted according to the main account interest calculation results and the sub-account interest calculation results through the main account, which may specifically include: determining the sub-account interest calculation ratio corresponding to each target sub-account based on the sub-account interest calculation results; adjusting the main account funds and sub-account funds according to the main account interest calculation results and the sub-account interest calculation ratios through the main account. Taking the special fund account in the secondary account as an example, the interest calculation ratio of special fund account 1 = the interest calculation amount of special fund account 1 / sum (the interest calculation amount of special fund account 1, the interest calculation amount of special fund account 2, the interest calculation amount of special fund account 3...), and the interest amount allocated to special fund account 1 = the interest calculation amount of the main account * the interest calculation ratio of special fund account 1. In addition, the interest calculation ratio of the third-level account is consistent with the interest calculation ratio algorithm of the second-level account. The second-level account allocates interest to the third-level account based on the interest calculation ratio corresponding to each third-level account it manages to adjust the funds. In this way, the account interest in the customer dimension is the sum of the interests of each virtual account of the customer. By adopting the method of "calculating interest on the main account and allocating virtual accounts according to the proportion of the accumulated interest of accounts at all levels" to allocate the interest generated by the main account funds, the problem of inaccurate total amount of funds due to rounding errors can be avoided.

[0077] It can be seen that this application sets up a multi-level account system, allocates the main account funds of the nursing home to different virtual accounts according to the purpose of the funds, and records the corresponding fund flows when funds flow, thereby achieving comprehensive management and monitoring of various funds, reducing the complexity of fund management, and realizing separate interest calculation for each target sub-account.

[0078] See also Figure 6 As shown, the present application discloses a pension fund management device, comprising:

[0079] A fund diversion module 11 is used to transfer the funds to be diverted into a target main account, and transfer the funds to be diverted from the target main account to a target sub-account according to the label of the funds to be diverted;

[0080] A flow determination module 12, configured to determine the main account funds of the target main account and the sub-account funds corresponding to the target sub-account, and to record the fund flow of the target main account and the target sub-account based on the main account funds and the sub-account funds;

[0081] The interest determination module 13 is used to calculate the interest on the target main account and the target sub-account respectively based on the capital flow according to the pre-set interest rules at the end of the interest calculation period, so as to obtain the main account interest calculation result and the sub-account interest calculation result; the main account interest calculation result is the main account interest generated by the main account funds, and the sub-account interest calculation result is the sub-account interest that the target main account should allocate to the target sub-account;

[0082] The interest distribution module 14 is used to adjust the funds in the main account and the sub-account according to the interest calculation results of the main account and the sub-account through the main account, and record the fund flow of the target main account and the target sub-account;

[0083] Among them, the target main account is the physical account of the nursing home, the target sub-account includes a daily fund account and several special fund accounts, and the target sub-account is a virtual sub-account managed by the target main account, and each special fund account manages the corresponding special fund account of each customer.

[0084] It can be seen that this application sets up a multi-level account system, allocates the main account funds of the nursing home to different virtual accounts according to the purpose of the funds, and records the corresponding fund flows when funds flow, thereby achieving comprehensive management and monitoring of various funds, reducing the complexity of fund management, and realizing separate interest calculation for each target sub-account.

[0085] In a specific implementation, the fund diversion module 11 may specifically include:

[0086] The first fund diversion unit is used for transferring the funds to be diverted into the daily fund account if the funds to be diverted have no label.

[0087] In a specific implementation, the fund diversion module 11 may specifically include:

[0088] A target account determination unit, used to determine the target customer corresponding to the funds to be diverted, and to determine whether there is a target customer special fund account corresponding to the target customer under each of the special fund accounts;

[0089] A second fund diversion unit is used for transferring the funds to be diverted from the target main account to each of the target customer special fund accounts according to the label of the funds to be diverted if the target customer special fund account exists;

[0090] The third fund diversion unit is used to create the target customer special fund account under each of the special fund accounts if the target customer special fund account does not exist, and transfer the funds to be diverted from the target main account to each of the target customer special fund accounts according to the label of the funds to be diverted.

[0091] In a specific implementation, the interest determination module 13 may specifically include:

[0092] An interest accumulation determination unit, configured to determine, at the end of an interest calculation period, a main account interest accumulation corresponding to the target main account and each sub-account interest accumulation corresponding to each target sub-account according to a pre-set interest rule based on the fund flow situation;

[0093] The interest calculation result determining unit is used to determine the interest calculation result of the main account based on the interest accumulation of the main account, and determine the interest calculation result of each sub-account based on the interest accumulation of each sub-account.

[0094] In a specific implementation, the interest distribution module 14 may specifically include:

[0095] An interest calculation ratio determination unit, configured to determine the sub-account interest calculation ratio corresponding to each of the target sub-accounts based on the sub-account interest calculation result;

[0096] A fund adjustment unit is used to adjust the funds in the main account and the funds in the sub-accounts through the main account according to the interest calculation result of the main account and the interest calculation ratio of each sub-account.

[0097] In a specific embodiment, the device may further include:

[0098] A request judgment module is used to obtain a pension fund use request, determine a target account, a target sub-account and a target unfreezing amount based on the pension fund use request, and judge whether the pension fund use request meets the fund use conditions;

[0099] a fund unfreezing module, configured to unfreeze the target unfrozen amount of funds to be transferred out in the target sub-account based on the pension fund use request if the pension fund use request meets the fund use condition, and transfer the funds to be transferred out into the target main account;

[0100] The fund transfer module is used to transfer the funds to be transferred from the target main account to the target account, and to record the fund flow of the target main account and the target sub-account.

[0101] In a specific embodiment, the device may further include:

[0102] The risk warning module is used to comprehensively determine the abnormal fund risk of the nursing home based on the fund flow situation by using preset abnormal rules and the isolation forest algorithm, and generate a corresponding fund risk warning signal.

[0103] Furthermore, the present application also discloses an electronic device. Figure 7 This is a structural diagram of an electronic device 20 according to an exemplary embodiment. The content in the diagram cannot be regarded as any limitation on the scope of use of the present application.

[0104] Figure 7 A schematic diagram of the structure of an electronic device 20 provided in an embodiment of the present application. The electronic device 20 may specifically include: at least one processor 21, at least one memory 22, a power supply 23, a communication interface 24, an input / output interface 25, and a communication bus 26. The memory 22 is used to store a computer program, which is loaded and executed by the processor 21 to implement the relevant steps in the pension fund management method disclosed in any of the aforementioned embodiments. In addition, the electronic device 20 in this embodiment may specifically be an electronic computer.

[0105] In this embodiment, the power supply 23 is used to provide working voltage for each hardware device on the electronic device 20; the communication interface 24 can create a data transmission channel between the electronic device 20 and the external device, and the communication protocol it follows is any communication protocol that can be applied to the technical solution of the present application, and is not specifically limited here; the input and output interface 25 is used to obtain external input data or output data to the outside world, and its specific interface type can be selected according to specific application needs and is not specifically limited here.

[0106] In addition, the memory 22 as a carrier for resource storage may be a read-only memory, a random access memory, a disk or an optical disk, etc. The resources stored thereon may include an operating system 221, a computer program 222, etc., and the storage method may be temporary storage or permanent storage.

[0107] The operating system 221 is used to manage and control the hardware devices on the electronic device 20 and the computer program 222, which can be Windows Server, Netware, Unix, Linux, etc. In addition to including a computer program that can be used to complete the pension fund management method executed by the electronic device 20 disclosed in any of the aforementioned embodiments, the computer program 222 can further include a computer program that can be used to complete other specific tasks.

[0108] Furthermore, the present application also discloses a computer-readable storage medium for storing a computer program; wherein the computer program, when executed by a processor, implements the aforementioned disclosed pension fund management method. The specific steps of the method can refer to the corresponding contents disclosed in the aforementioned embodiments, and will not be repeated here.

[0109] In this specification, each embodiment is described in a progressive manner, and each embodiment focuses on the differences from other embodiments. The same or similar parts between the embodiments can be referred to each other. For the device disclosed in the embodiment, since it corresponds to the method disclosed in the embodiment, the description is relatively simple, and the relevant parts can be referred to the method part.

[0110] Professionals may further appreciate that the units and algorithm steps of each example described in conjunction with the embodiments disclosed herein can be implemented in electronic hardware, computer software, or a combination of the two. In order to clearly illustrate the interchangeability of hardware and software, the composition and steps of each example have been generally described in the above description according to function. Whether these functions are performed in hardware or software depends on the specific application and design constraints of the technical solution. Professionals and technicians may use different methods to implement the described functions for each specific application, but such implementation should not be considered to be beyond the scope of this application.

[0111] The steps of the method or algorithm described in conjunction with the embodiments disclosed herein may be implemented directly using hardware, a software module executed by a processor, or a combination of the two. The software module may be placed in a random access memory (RAM), a memory, a read-only memory (ROM), an electrically programmable ROM, an electrically erasable programmable ROM, a register, a hard disk, a removable disk, a CD-ROM, or any other form of storage medium known in the art.

[0112] Finally, it should be noted that, in this article, relational terms such as first and second, etc. are only used to distinguish one entity or operation from another entity or operation, and do not necessarily require or imply any such actual relationship or order between these entities or operations. Moreover, the terms "include", "comprise" or any other variants thereof are intended to cover non-exclusive inclusion, so that a process, method, article or device 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 device. In the absence of further restrictions, the elements defined by the sentence "comprise a ..." do not exclude the presence of other identical elements in the process, method, article or device including the elements.

[0113] The technical solution provided by the present application is introduced in detail above. Specific examples are used in this article to illustrate the principles and implementation methods of the present application. The description of the above embodiments is only used to help understand the method of the present application and its core idea. At the same time, for general technicians in this field, according to the idea of ​​the present application, there will be changes in the specific implementation methods and application scope. In summary, the content of this specification should not be understood as a limitation on the present application.

Claims

1. A pension fund management method, characterized in that: include: Transferring the funds to be diverted into a target main account, and transferring the funds to be diverted from the target main account to a target sub-account according to the label of the funds to be diverted; Determine the main account funds of the target main account and the sub-account funds corresponding to the target sub-account, and record the fund flow of the target main account and the target sub-account based on the main account funds and the sub-account funds; At the end of the interest calculation period, interest is calculated on the target main account and the target sub-account respectively according to the pre-set interest calculation rules based on the fund flow situation to obtain the main account interest calculation result and the sub-account interest calculation result; The main account interest calculation result is the main account interest generated by the main account funds, and the sub-account interest calculation result is the sub-account interest that the target main account should allocate to the target sub-account; Adjust the funds in the main account and the sub-account according to the interest calculation results of the main account and the sub-account through the main account, and record the fund flow of the target main account and the target sub-account; Among them, the target main account is the physical account of the nursing home, the target sub-account includes a daily fund account and several special fund accounts, and the target sub-account is a virtual sub-account managed by the target main account, and each special fund account manages the corresponding special fund account of each customer.

2. The pension fund management method according to claim 1, characterized in that: The transferring the funds to be diverted from the target main account to the target sub-account according to the label of the funds to be diverted includes: If the funds to be diverted have no label, the funds to be diverted are transferred to the daily funds account.

3. The pension fund management method according to claim 1, characterized in that: The transferring the funds to be diverted from the target main account to the target sub-account according to the label of the funds to be diverted includes: Determine the target customer corresponding to the funds to be diverted, and judge whether there is a target customer special fund account corresponding to the target customer under each of the special fund accounts; If the target customer special fund account exists, the funds to be diverted are transferred from the target main account to each of the target customer special fund accounts according to the label of the funds to be diverted; If the target customer special fund account does not exist, a target customer special fund account is created under each of the special fund accounts, and the funds to be diverted are transferred from the target main account to each of the target customer special fund accounts according to the label of the funds to be diverted.

4. The pension fund management method according to claim 1, characterized in that: At the end of the interest calculation period, the target main account and the target sub-account are calculated according to the pre-set interest calculation rules based on the capital flow situation to obtain the main account interest calculation results and the sub-account interest calculation results, including: At the end of the interest calculation period, the interest accumulation amount of the main account corresponding to the target main account and the interest accumulation amount of each sub-account corresponding to each target sub-account are determined according to the pre-set interest rules based on the fund flow situation; The interest calculation result of the main account is determined based on the accumulated interest of the main account, and the interest calculation result of each sub-account is determined based on the accumulated interest of each sub-account.

5. The pension fund management method according to claim 4, characterized in that: The adjusting the funds in the main account and the funds in the sub-account according to the interest calculation result of the main account and the interest calculation result of the sub-account through the main account includes: Determine the sub-account interest calculation ratio corresponding to each of the target sub-accounts based on the sub-account interest calculation result; The main account funds and the sub-account funds are adjusted through the main account according to the main account interest calculation result and the interest calculation ratio of each sub-account.

6. The pension fund management method according to claim 1, characterized in that: Also includes: Obtaining a pension fund use request, determining a target account, a target sub-account, and a target unfreezing amount based on the pension fund use request, and determining whether the pension fund use request meets the fund use conditions; If the pension fund use request meets the fund use conditions, unfreeze the target unfrozen amount of funds to be transferred out in the target sub-account based on the pension fund use request, and transfer the funds to be transferred out into the target main account; The funds to be transferred out are transferred from the target main account to the target account, and the fund flow of the target main account and the target sub-account is recorded.

7. The pension fund management method according to any one of claims 1 to 6, characterized in that: Also includes: The preset abnormal rules and the isolation forest algorithm are used to comprehensively determine the abnormal fund risk of the nursing home based on the fund flow situation, and generate corresponding fund risk warning signals.

8. A pension fund management device, characterized in that: include: A fund diversion module, used to transfer the funds to be diverted into a target main account, and transfer the funds to be diverted from the target main account to a target sub-account according to the label of the funds to be diverted; A flow determination module, used to determine the main account funds of the target main account and the sub-account funds corresponding to the target sub-account, and record the fund flow of the target main account and the target sub-account based on the main account funds and the sub-account funds; An interest determination module, used for calculating interest on the target main account and the target sub-account respectively according to the pre-set interest rules and the capital flow at the end of the interest calculation period, so as to obtain the main account interest calculation result and the sub-account interest calculation result; The main account interest calculation result is the main account interest generated by the main account funds, and the sub-account interest calculation result is the sub-account interest that the target main account should allocate to the target sub-account; An interest distribution module, used to adjust the funds in the main account and the sub-account according to the interest calculation results of the main account and the sub-account through the main account, and record the fund flow of the target main account and the target sub-account; Among them, the target main account is the physical account of the nursing home, the target sub-account includes a daily fund account and several special fund accounts, and the target sub-account is a virtual sub-account managed by the target main account, and each special fund account manages the corresponding special fund account of each customer.

9. An electronic device, characterized in that: include: Memory, used to store computer programs; A processor, configured to execute the computer program to implement the pension fund management method as described in any one of claims 1 to 7.

10. A computer-readable storage medium, characterized in that: Used to store a computer program, wherein when the computer program is executed by a processor, the pension fund management method according to any one of claims 1 to 7 is implemented.

Images