Financing scheme generation method and system capable of automatically associating, polling and comparing prices

Abstract

The embodiment of the invention provides a financing scheme generation method and system capable of automatically associating, inquiring and comparing prices, and belongs to the technical field of data processing. The method comprises the following steps: collecting service information, and determining corresponding fund gap information based on the service information; generating a corresponding financing request based on the fund gap information, and recycling a corresponding price inquiry and comparison scheme based on the financing request; executing data analysis on the price inquiry and comparison scheme to obtain structured price inquiry and comparison information; and generating a corresponding fund budget based on the structured price inquiry and comparison information, and generating a corresponding financing scheme based on the fund budget. According to the scheme, the efficiency and accuracy of financing budgeting are effectively improved, the error risk of manual intervention is reduced, the communication cost is reduced, a more efficient technical means is provided for fund management, meanwhile, the dynamic adjustment and real-time response capabilities are achieved, and the method better adapts to complex financing demand changes.

Description

Technical Field

[0001] The present invention relates to the technical field of data processing, and in particular to a financing scheme generation method and a financing scheme generation system for automatically associating inquiries and price comparisons. Background Art

[0002] In the current financing budget preparation process, each unit usually formulates a financing budget based on actual business needs, including determining financing needs, financing sources, evaluating financing costs, and generating corresponding borrowing and repayment budgets based on repayment plans. However, there are still many problems in this process.

[0003] The determination of financing needs relies on the grassroots units to form a funding gap through the operating net flow and investment net flow of the monthly capital budget, and then clarify the financing needs. However, the determination of such needs often involves manual data sorting and offline communication, which is not only time-consuming, but also easy to lead to inaccurate financing budget results due to untimely information transmission or incomplete data. The determination of financing sources and costs relies on the price inquiry link with financial institutions. However, in the existing technology, various units mostly adopt a decentralized management model, and lack centralized processing of the quotations and evaluation results of financial institutions. Therefore, it is difficult to efficiently generate accurate price inquiry and bidding results and effectively apply them to budget preparation. The preparation of the monthly financing budget requires multiple collaborations between financial personnel and relevant business personnel. Under the manual operation mode, the workload of data collection, verification and filling is large, data entry errors are prone to occur, and the ability to respond to dynamically changing financing conditions and inquiry results is insufficient, which further leads to low budget preparation efficiency.

[0004] In summary, the existing financing plan generation rules have significant deficiencies in data quality, communication efficiency and work accuracy. How to achieve efficient and accurate financing budget preparation through automation technology is an urgent problem to be solved. Summary of the invention

[0005] The purpose of the embodiments of the present invention is to provide a financing plan generation method with automatic associated price inquiry, so as to at least solve the problem that the existing financing plan generation rules have significant deficiencies in data quality, communication efficiency and work accuracy.

[0006] In order to achieve the above-mentioned purpose, the first aspect of the present invention provides a method for generating a financing plan with automatic associated price inquiries, the method comprising: collecting business information, and determining corresponding funding gap information based on the business information; generating a corresponding financing request based on the funding gap information, and recovering a corresponding price inquiry plan based on the financing request; performing data analysis on the price inquiry plan to obtain structured price inquiry information; generating a corresponding capital budget based on the structured price inquiry information, and generating a corresponding financing plan based on the capital budget.

[0007] Optionally, determining the corresponding funding gap information based on the business information includes: performing preprocessing on the business information, and determining the funding type and funding flow direction based on the preprocessed business information; the funding types include: operating funds and investment funds; and determining the corresponding funding gap information based on the funding type and funding flow direction.

[0008] Optionally, the preprocessing rules for business information are: performing data cleansing processing on the business information, and performing classification processing on the business information after data cleansing to obtain data sets under each business type; performing data reading of corresponding fund attributes based on the data sets under each business type to obtain corresponding fund data sets.

[0009] Optionally, the recovering the corresponding inquiry and comparison scheme based on the financing request includes: based on the request number of the financing request, associating all corresponding inquiry and comparison schemes as candidate schemes; parsing the inquiry information of each candidate scheme; generating a recommended score for each candidate scheme based on the inquiry information, and pushing the inquiry information and the corresponding recommended score of each candidate scheme to a user terminal; and recovering the corresponding winning bid result information based on the user terminal to determine the corresponding inquiry and comparison scheme based on the winning bid result information.

[0010] Optionally, the inquiry information includes: any one or more of inquiry types, financing institutions, project codes, financing periods, inquiry scales, financing types and inquiry interest rates; generating recommendation scores for each candidate solution based on the inquiry information includes: assigning values ​​to each inquiry information based on an assignment library, and assigning preset weights to the assigned inquiry information; performing a sum operation on each inquiry information after weight assignment to obtain a corresponding recommendation score, wherein the larger the recommendation score, the higher the recommendation priority.

[0011] Optionally, performing data parsing on the price inquiry and comparison scheme to obtain structured price inquiry and comparison information includes: performing structured processing on the price inquiry and comparison scheme's price inquiry and comparison information to obtain corresponding structured information; calling a corresponding data table template based on the structured information, and performing data filling of the corresponding data table template based on the structured information to obtain structured price inquiry and comparison information.

[0012] Optionally, generating a corresponding capital budget based on the structured price inquiry information includes: determining a corresponding borrowing budget and a repayment budget based on the structured price inquiry information; generating a corresponding financing budget based on the borrowing budget and the repayment budget, so as to update the corresponding capital budget based on the financing budget.

[0013] Optionally, generating a corresponding financing plan based on the capital budget includes: determining a corresponding financing budget based on the capital budget; determining a corresponding repayment plan based on the structured price inquiry information; and generating a corresponding financing plan based on the financing budget and the repayment plan.

[0014] The second aspect of the present invention provides a system including: a collection unit, which is used to collect business information and determine corresponding funding gap information based on the business information; an association unit, which is used to generate a corresponding financing request based on the funding gap information, and recover a corresponding price inquiry and comparison plan based on the financing request; a data analysis unit, which is used to perform data analysis on the price inquiry and comparison plan to obtain structured price inquiry and comparison information; a plan generation unit, which is used to generate a corresponding capital budget based on the structured price inquiry and comparison information, and generate a corresponding financing plan based on the capital budget.

[0015] On the other hand, the present invention provides a computer-readable storage medium having instructions stored thereon, which, when executed on a computer, enables the computer to execute the above-mentioned method for generating a financing plan by automatically associating price inquiries and comparisons.

[0016] Through the above technical solution, the solution of the present invention collects business information and determines the funding gap, automatically generates a financing request and obtains the corresponding price inquiry and comparison plan, thereby solving the problem of cumbersome manual operations and low efficiency in the preparation of traditional financing budgets. By analyzing the data of the price inquiry and comparison plan, structured price inquiry and comparison information is formed to ensure the integrity and accuracy of the data. Based on the structured information, a capital budget is generated, and then a financing plan is further generated, realizing the automation of the entire process from business information collection to the output of the financing plan. This method effectively improves the efficiency and accuracy of financing budget preparation, reduces the risk of errors caused by manual intervention, reduces communication costs, provides a more efficient technical means for fund management, and at the same time has the ability to dynamically adjust and respond in real time, so as to better adapt to complex changes in financing needs.

[0017] Other features and advantages of the embodiments of the present invention will be described in detail in the following detailed description. BRIEF DESCRIPTION OF THE DRAWINGS

[0018] The accompanying drawings are used to provide a further understanding of the embodiments of the present invention and constitute a part of the specification. Together with the following specific embodiments, they are used to explain the embodiments of the present invention, but do not constitute a limitation on the embodiments of the present invention. In the accompanying drawings:

[0019] Figure 1 It is a flowchart of the steps of a method for generating a financing plan by automatically associating inquiries and price comparisons provided by an embodiment of the present invention;

[0020] Figure 2The system structure diagram of a financing plan generation system with automatic associated price inquiry provided by an embodiment of the present invention. DETAILED DESCRIPTION

[0021] The specific implementation of the present invention is described in detail below in conjunction with the accompanying drawings. It should be understood that the specific implementation described here is only used to illustrate and explain the present invention, and is not used to limit the present invention.

[0022] Figure 1 This is a method flow chart of a method for automatically generating a financing plan by associating inquiries and price comparisons provided by an embodiment of the present invention. Figure 1 As shown, an embodiment of the present invention provides a method for generating a financing plan with automatic associated price inquiry, the method comprising:

[0023] Step S10: Collect business information, and determine corresponding funding gap information based on the business information.

[0024] Specifically, the business information is preprocessed, and the type of funds and the direction of fund flow are determined based on the preprocessed business information; the types of funds include: operating funds and investment funds; and the corresponding funding gap information is determined based on the type of funds and the direction of fund flow.

[0025] Furthermore, the preprocessing rules of the business information are: perform data cleaning processing on the business information, and perform classification processing on the business information after data cleaning to obtain data sets under each business type; perform data reading of corresponding fund attributes based on the data sets under each business type to obtain corresponding fund data sets.

[0026] In an embodiment of the present invention, the method collects business information from multiple sources. Business information generally includes cash flow data generated by daily business activities and investment activities of an enterprise, such as original information such as sales revenue, cost expenditure, and capital investment. These data come from a wide range of sources, are not in a uniform format, and have varying quality, so directly using them for analysis may affect the accuracy of funding gap information. In order to improve the quality and applicability of the data, the technical solution performs preprocessing operations on the collected business information. Preprocessing includes two major steps: data cleaning and classification. Data cleaning mainly screens and repairs redundant, incomplete, or erroneous data to ensure the integrity and consistency of the input data. After data cleaning, the business information is classified according to the set rules. The classification rules group and organize the cleaned data according to different business types, such as sales, procurement, investment, etc., to form a clear business type data set.

[0027] Furthermore, based on the classified business data, the present invention further reads the core attributes related to funds, such as the source, use direction and amount of funds, based on the data set of each business type. Through this operation, a specific fund data set can be formed to lay the foundation for subsequent fund analysis. Next, based on the pre-processed business information, the fund flow direction and fund type are determined. The fund flow direction includes multiple dimensions such as the inflow and outflow of operating funds and the inflow and outflow of investment funds. By clarifying the fund flow direction, the use and flow direction of funds of an enterprise in a certain period can be accurately described. The fund type is divided into operating funds and investment funds, the former is related to the daily operation of the enterprise, and the latter is related to capital investment and long-term asset management. Combining the analysis of fund flow direction with fund type helps to refine the division of fund use, thereby providing a basis for the accurate calculation of the funding gap.

[0028] After the determination of the type of funds and the direction of funds flow is completed, the present invention forms the information of the funding gap through calculation. The funding gap refers to the difference between the available funds of an enterprise and the actual funding demand in a specific period. By comparing the inflow and outflow data of operating funds and investment funds, it is possible to clarify the scale of funds that the enterprise needs to supplement through financing. The accuracy of the funding gap directly affects the formulation of subsequent financing plans.

[0029] Based on the scheme of the present invention, through data cleaning and classification operations, redundant and erroneous data are effectively removed, the accuracy and consistency of business information are ensured, and a reliable data basis is provided for the subsequent calculation of the funding gap. By analyzing the core funding attributes of the classified data set, combined with the clear division of funding types and funding flows, the funding gap calculation is made more targeted, ensuring that the calculation of financing needs fits the actual situation of the enterprise. The automated design of the preprocessing and classification process reduces manual intervention and improves data processing efficiency and accuracy. Especially when processing massive and complex business data, it can significantly save manpower and time costs. Through the setting of preprocessing rules, the present invention can flexibly adapt to the data input requirements under different business scenarios, and quickly update the funding gap results for dynamically changing business information, providing support for the real-time financing decisions of enterprises. The present invention is applicable to a variety of business scenarios, including the financing budget requirements of daily business operations and major investment projects of enterprises, and has a wide range of industry applicability.

[0030] Step S20: Generate a corresponding financing request based on the funding gap information, and collect a corresponding price comparison plan based on the financing request.

[0031] Specifically, the recovering the corresponding inquiry and comparison scheme based on the financing request includes: based on the request number of the financing request, associating all corresponding inquiry and comparison schemes as candidate schemes; parsing the inquiry information of each candidate scheme; generating a recommended score for each candidate scheme based on the inquiry information, and pushing the inquiry information and the corresponding recommended score of each candidate scheme to the user end; and recovering the corresponding winning bid result information based on the user end to determine the corresponding inquiry and comparison scheme based on the winning bid result information.

[0032] Specifically, the inquiry information includes: any one or more of inquiry types, financing institutions, project codes, financing terms, inquiry scales, financing types and inquiry interest rates; the generation of recommendation scores for each candidate solution based on the inquiry information includes: assigning values ​​to each inquiry information based on an assignment library, and assigning preset weights to the assigned inquiry information; performing a sum operation based on each inquiry information after weight assignment to obtain a corresponding recommendation score, wherein the larger the recommendation score, the higher the recommendation priority.

[0033] In an embodiment of the present invention, after determining the funding gap information, a corresponding financing request is generated. The financing request contains a request number, which serves as the core identifier of the entire financing process and is used to establish an association relationship with all relevant price comparison schemes. Through the request number, all price comparison schemes corresponding to the financing demand can be quickly retrieved to form a set of candidate schemes. This process significantly improves the efficiency of scheme matching and avoids omissions or errors that may be caused by manual search.

[0034] Furthermore, each candidate solution contains rich inquiry information, such as inquiry type, financing institution, project code, financing period, inquiry scale, financing type and inquiry interest rate. This information describes the specific attributes of the financing solution from different dimensions. In order to ensure the comparability of the candidate solutions, data analysis is performed on this information, and after standardization, the next step of calculating the recommendation score is entered.

[0035] In order to objectively evaluate the pros and cons of candidate solutions, a recommended score is generated for each solution based on the inquiry information. The calculation process of the recommended score is as follows:

[0036] 1) Assignment operation: Rely on the assignment library to assign a quantitative value to each inquiry information. For example, for a plan with a lower financing interest rate, the assignment library can assign a higher score to reflect the cost advantage of the plan.

[0037] 2) Weight allocation: Different inquiry information has different importance to the financing decision. Assign a preset weight to each inquiry information. For example, the financing interest rate may have a higher weight, while the financing term may have a lower weight. The weight allocation fully reflects the priority of different decision factors.

[0038] 3) Comprehensive scoring: Multiply the assigned inquiry information by the corresponding weight and perform a sum operation to generate the recommended score of the candidate solution. The higher the recommended score, the higher the priority of the solution and the more it meets the financing needs.

[0039] The price inquiry information of the candidate solutions and their corresponding recommendation scores are pushed to the user end for reference by decision makers. The user selects each candidate solution based on the pushed content and confirms the winning bid result information. Subsequently, the winning bid result information fed back by the user end is collected to confirm the final price inquiry and comparison solution.

[0040] Based on the scheme of the present invention, by associating the financing request number with the inquiry and comparison scheme, all candidate schemes can be quickly located, reducing the scheme screening time and improving the matching efficiency. The recommended score calculation method based on the assignment library and preset weights quantifies the subjective choice into an objective indicator, significantly improving the scientificity and rationality of the scheme recommendation. The recommended score and detailed information of the candidate scheme are pushed to the user end, providing the user with a clear reference basis, which helps the user to make a quick decision. From financing request generation, inquiry and comparison scheme recovery, analysis to recommended score calculation and bid confirmation, all are automated, reducing the error risk of manual intervention and improving overall work efficiency. The recommended score can be dynamically adjusted based on the latest financing needs and inquiry information, so as to achieve a rapid response to market changes and adapt to complex financing environments.

[0041] Step S30: performing data analysis on the price inquiry and comparison scheme to obtain structured price inquiry and comparison information.

[0042] Specifically, the inquiry information of the inquiry and comparison scheme is subjected to structured processing to obtain corresponding structured information; the corresponding data table template is called based on the structured information, and the corresponding data table template is filled with data based on the structured information to obtain structured inquiry and comparison information.

[0043] In the embodiment of the present invention, the price inquiry scheme usually contains multiple types of inquiry information, such as inquiry products, financing institutions, financing periods, project codes, inquiry interest rates, etc. This information is distributed in documents of different formats, such as tables, texts, or database records, and lacks a unified organizational form. In order to improve the availability and consistency of data, these original inquiry information are first structured. The structured processing includes the following steps:

[0044] 1) Data parsing: Use the data parsing engine to extract key information from original documents or databases and parse the data according to predefined field rules.

[0045] 2) Field mapping: Map the parsed data to the standard field template, for example, map "financing period" to the standardized field "duration", map "financing institution" to the field "institution", etc.

[0046] 3) Format standardization: adjust the format of the data, such as standardizing the date into the "YYYY-MM-DD" format and the interest rate into a percentage format. This step ensures the uniformity and ease of use of the data.

[0047] After the structured processing is completed, the corresponding data table template is called according to the sorted structured information. The data table template is a pre-designed standardized data storage format, and each template is customized according to different types of price inquiry information. For example:

[0048] 1) Financing institution template: includes fields such as the name of the financing institution, financing interest rate, and financing amount.

[0049] 2) Project coding template: includes fields such as project number, project type, and funding requirement.

[0050] 3) Comprehensive inquiry template: Integrate all template information to form a complete inquiry and comparison record.

[0051] 4) The template is called based on the content and category of the structured information, and the appropriate template is automatically selected through an intelligent matching algorithm.

[0052] Furthermore, the structured information is filled into the matching data table template to complete the generation of a complete data table. The steps of data filling include:

[0053] 1) Field alignment: Ensure that the fields of structured information correspond to the fields of the template one by one.

[0054] 2) Data verification: Verify the accuracy of data during the filling process, such as checking whether the financing interest rate is within a reasonable range and whether the financing period is consistent with project requirements.

[0055] 3) Dynamic expansion: According to actual conditions, it supports dynamic addition or deletion of template fields to ensure flexibility.

[0056] After filling, the final structured price inquiry information is generated. This information is saved in a standardized format and can be directly used for subsequent financing budget preparation.

[0057] Based on the scheme of the present invention, the accuracy and completeness of the price inquiry and comparison information are effectively improved through structured processing and standardized template calling, avoiding data omissions or format errors caused by manual processing. Through automated data parsing and template filling, the manual operation time is greatly reduced, and the processing efficiency of the price inquiry and comparison scheme is significantly improved. All price inquiry and comparison information is organized and stored through a unified template, ensuring the consistency of the data and providing a reliable basis for subsequent data analysis and use.

[0058] Through flexible template design, it can handle different types of price inquiry information, adapt to various business needs, and expand the scope of application. The structured price inquiry information is saved in a standardized format, which is convenient for subsequent financing budget preparation and decision analysis. At the same time, the standardized data format can be directly connected to others to achieve information sharing.

[0059] Step S40: generating a corresponding capital budget based on the structured price inquiry information, and generating a corresponding financing plan based on the capital budget.

[0060] Specifically, the generating a corresponding capital budget based on the structured price inquiry information includes: determining a corresponding borrowing budget and a repayment budget based on the structured price inquiry information; generating a corresponding financing budget based on the borrowing budget and the repayment budget, so as to update the corresponding capital budget based on the financing budget.

[0061] Furthermore, the generating a corresponding financing plan based on the capital budget includes: determining a corresponding financing budget based on the capital budget; determining a corresponding repayment plan based on the structured price inquiry information; and generating a corresponding financing plan based on the financing budget and the repayment plan.

[0062] In the embodiment of the present invention, the generation of the capital budget is one of the core links of the entire financing process. The method performs a detailed analysis based on the structured inquiry and comparison information, clarifies the borrowing budget and the repayment budget, and thus forms an accurate financing budget. Based on the structured inquiry and comparison information, including information such as the financing institution, the financing period, the inquiry scale, and the financing interest rate, the amount of borrowing required by the enterprise at a certain stage in the future is automatically calculated. This step combines the capital gap of the enterprise with the quotation conditions of various financial institutions to ensure that the borrowing budget is highly matched with the actual demand. On the basis of the borrowing budget, combined with the financing period and interest rate conditions, an installment repayment plan is generated. The repayment budget clarifies the repayment amount and time node of each period, providing a clear reference for the subsequent capital allocation of the enterprise. After the borrowing budget is combined with the repayment budget, an overall financing budget is generated. The financing budget not only takes into account the borrowing amount and repayment requirements, but also further analyzes the impact of different financing schemes on capital liquidity to ensure the rationality and feasibility of the financing budget. After the financing budget is generated, the financing budget is integrated with the overall capital budget of the enterprise, and the capital budget data is updated. Through this step, the enterprise can dynamically adjust the allocation of funds and balance the needs of operating funds and investment funds.

[0063] Furthermore, after the capital budget is completed, a specific financing plan is formulated based on the latest capital needs. This process includes the following key steps:

[0064] 1) Determination of financing budget: Based on the capital budget, key parameters of the financing plan are clarified, such as financing amount, financing type, term requirements, etc., to provide a basis for subsequent plan formulation.

[0065] 2) Generation of repayment plan: Based on structured price comparison information and financing budget, a detailed repayment plan is automatically generated. The repayment plan includes information such as repayment amount, repayment period and repayment method, ensuring that the financing plan can not only meet the funding needs, but also be compatible with the company's solvency.

[0066] 3) Generation of financing plan: After combining the financing budget with the repayment plan, a complete financing plan is generated. The financing plan includes the financing amount, financing method, fund use and repayment arrangement, forming the final output of the enterprise's financing decision.

[0067] Based on the solution of the present invention, by using structured inquiry and comparison information, human intervention can be reduced in the process of generating a capital budget, ensuring the accuracy and consistency of the data. The dynamic update mechanism of the financing budget and the capital budget enables enterprises to flexibly adjust financing strategies according to actual capital needs and improve the efficiency of capital utilization. The financing plan combines the financing budget and the repayment plan in the formulation process to ensure that the plan not only meets the capital needs but also meets the repayment ability of the enterprise, thereby improving the feasibility. Through automated budget generation and plan formulation, the manual calculation and coordination work under the traditional model is significantly reduced, the communication cost is reduced, and the overall process efficiency is improved. The generated capital budget and financing plan provide a clear reference basis for the enterprise management, enabling them to quickly make scientific capital decisions.

[0068] Figure 2 1 is a system structure diagram of a financing solution generation system for automatically associating inquiries and price comparisons provided by an embodiment of the present invention. Figure 2 As shown, an embodiment of the present invention provides a financing plan generation system with automatic association of price inquiries and comparisons, the system comprising: a collection unit, used to collect business information, and determine corresponding funding gap information based on the business information; an association unit, used to generate a corresponding financing request based on the funding gap information, and recover a corresponding price inquiry and comparison plan based on the financing request; a data analysis unit, used to perform data analysis on the price inquiry and comparison plan to obtain structured price inquiry and comparison information; a plan generation unit, used to generate a corresponding capital budget based on the structured price inquiry and comparison information, and generate a corresponding financing plan based on the capital budget.

[0069] The embodiment of the present invention further provides a computer-readable storage medium, on which instructions are stored, which, when executed on a computer, enable the computer to execute the above-mentioned financing plan generation method of automatically associating price inquiries and comparisons.

[0070] Those skilled in the art will understand that all or part of the steps in the method for implementing the above-mentioned embodiments can be completed by instructing the relevant hardware through a program, and the program is stored in a storage medium, including several instructions for making a single-chip microcomputer, a chip or a processor (processor) perform all or part of the steps of the method described in each embodiment of the present invention. The aforementioned storage medium includes: U disk, mobile hard disk, read-only memory (ROM, Read-Only Memory), random access memory (RAM, Random Access Memory), disk or optical disk and other media that can store program codes.

[0071] The optional embodiments of the present invention are described in detail above in conjunction with the accompanying drawings. However, the embodiments of the present invention are not limited to the specific details in the above embodiments. Within the technical concept of the embodiments of the present invention, the technical scheme of the embodiments of the present invention can be subjected to a variety of simple modifications, and these simple modifications all belong to the protection scope of the embodiments of the present invention. It should also be noted that the various specific technical features described in the above specific embodiments can be combined in any suitable manner without contradiction. In order to avoid unnecessary repetition, the embodiments of the present invention will not further describe various possible combinations.

[0072] In addition, various embodiments of the present invention may be arbitrarily combined, and as long as they do not violate the concept of the embodiments of the present invention, they should also be regarded as the contents disclosed in the embodiments of the present invention.

Claims

1. A method for generating a financing plan with automatic associated price inquiry, characterized in that: The method comprises: Collecting business information, and determining corresponding funding gap information based on the business information; Generate a corresponding financing request based on the funding gap information, and collect a corresponding price comparison plan based on the financing request; Performing data analysis on the price inquiry and comparison scheme to obtain structured price inquiry and comparison information; A corresponding capital budget is generated based on the structured price inquiry information, and a corresponding financing plan is generated based on the capital budget.

2. The method according to claim 1, characterized in that The determining corresponding funding gap information based on the business information includes: Preprocessing the business information, and determining the type and direction of funds based on the preprocessed business information; The types of funds include: operating funds and investment funds; Determine the corresponding funding gap information based on funding type and funding flow.

3. The method according to claim 2, characterized in that The preprocessing rules for business information are: Perform data cleaning on the business information, and perform classification on the cleaned business information to obtain data sets under each business type; Based on the data sets under each business type, data reading of corresponding fund attributes is performed to obtain the corresponding fund data set.

4. The method according to claim 1, characterized in that: The inquiry and comparison scheme corresponding to the recovery of the financing request includes: Based on the request number of the financing request, all corresponding price comparison schemes are associated as candidate schemes; Analyze the inquiry information of each candidate solution; Generate a recommendation score for each candidate solution based on the inquiry information, and push the inquiry information and corresponding recommendation score of each candidate solution to the user end; Based on the user terminal, the corresponding bidding result information is collected to determine the corresponding price inquiry and comparison plan based on the bidding result information.

5. The method according to claim 4, characterized in that The inquiry information includes: Any one or more of the inquiry product, financing institution, project code, financing period, inquiry scale, financing type and inquiry interest rate; Generating a recommendation score for each candidate solution based on the inquiry information includes: Assign values ​​to each inquiry information based on the assignment library, and assign preset weights to the assigned inquiry information; A sum operation is performed based on each inquiry information after weight allocation to obtain the corresponding recommendation score. The larger the recommendation score, the higher the recommendation priority.

6. The method according to claim 5, characterized in that The performing of data parsing on the price inquiry scheme to obtain structured price inquiry information includes: Performing structured processing on the price inquiry information of the price inquiry and comparison scheme to obtain corresponding structured information; The corresponding data table template is called based on the structured information, and the corresponding data table template data is filled based on the structured information to obtain structured price inquiry and comparison information.

7. The method according to claim 1, characterized in that The generating a corresponding capital budget based on the structured price inquiry information includes: Determine the corresponding borrowing budget and repayment budget based on the structured price comparison information; A corresponding financing budget is generated based on the borrowing budget and the repayment budget, so as to update a corresponding capital budget based on the financing budget.

8. The method according to claim 7, characterized in that The generating a corresponding financing plan based on the capital budget includes: Determining a corresponding financing budget based on the capital budget; Determining a corresponding repayment plan based on the structured price inquiry information; Generate corresponding financing plans based on financing budget and repayment plan.

9. A financing plan generation system with automatic associated price inquiry, characterized in that: The system comprises: A collection unit, used to collect business information and determine corresponding funding gap information based on the business information; An association unit, configured to generate a corresponding financing request based on the funding gap information, and to recover a corresponding price comparison plan based on the financing request; A data analysis unit, used to perform data analysis on the price inquiry and comparison scheme to obtain structured price inquiry and comparison information; A scheme generating unit is used to generate a corresponding capital budget based on the structured price inquiry information, and to generate a corresponding financing scheme based on the capital budget.

10. A computer-readable storage medium, characterized in that: The computer-readable storage medium stores instructions, which, when executed on a computer, enable the computer to execute the financing solution generation method of automatically associating price inquiries and comparisons as described in any one of claims 1-8.

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