Method, system and device for generating family financial planning scheme and medium

Abstract

The invention relates to a family financial planning scheme generation method and system, equipment and a medium. The method comprises the following steps: acquiring financial status data; obtaining financial situation data according to the financial current situation data; according to the financial condition data, through a five-sense financial management formula, calculating to obtain a financial ability index score; obtaining current situation analysis and optimization suggestions through a large model instruction based on the financial situation data and the financial ability index scores; and generating a financial planning scheme based on the current situation analysis and optimization suggestion. By adopting the method, the cash flow can be dynamically captured, and the financial planning can be flexibly given.

Description

Technical Field

[0001] The present invention belongs to the field of financial management, and in particular relates to a method, system, device and medium for generating a family financial planning scheme. Background Art

[0002] As socioeconomic levels steadily rise, individuals and families are increasingly interested in financial management. However, traditional financial investment involves complex, professional decision-making systems that require precise alignment with the timeframe for future funding needs for education, retirement, and real estate, while also addressing market fluctuations, economic cycle shifts, and other variables that individuals are unable to track. Financial plan recommendation software has emerged to address these issues, but existing software relies on static balance sheets and fails to capture dynamic cash flow characteristics such as cyclical wage fluctuations and unexpected medical expenses. This results in rigid and inflexible recommendations. Summary of the Invention

[0003] Based on this, it is necessary to provide a method for generating a family financial planning plan that can capture dynamic cash flow and give flexible suggestions in response to the above technical problems.

[0004] In a first aspect, the present application provides a method for generating a family financial planning scheme, comprising:

[0005] Obtain financial status data;

[0006] According to the financial status data, obtain the financial situation data;

[0007] Based on the financial situation data, the financial ability index score is calculated using the five senses financial management formula;

[0008] Based on financial data and financial capability index scores, obtain current situation analysis and optimization suggestions through large model instructions;

[0009] Generate financial planning solutions based on current situation analysis and optimization suggestions.

[0010] Furthermore, based on financial data and financial capability index scores, the large model provides instructions for current situation analysis and optimization suggestions, including:

[0011] Based on the score classifier, the financial capability indicator scores are mapped to corresponding levels to obtain the level labels of each dimension;

[0012] Determine the core asset issues based on the grade labels of each dimension and the contribution of variables in the calculation formula of each financial capability indicator score;

[0013] Compare the financial capability index scores to obtain asset advantage items;

[0014] Based on the core issues and asset advantages of assets, an executable strategy package is obtained through the strategy matching rule base model;

[0015] Generate current situation analysis and optimization suggestions based on executable strategy packages.

[0016] Furthermore, based on the core issues and advantages, an executable strategy package is obtained through the strategy matching rule base model, including:

[0017] Static matching of core issues to generate defensive strategies;

[0018] Generate advantage-enhancing strategies based on advantage items;

[0019] Integrate defensive strategies and advantage-enhancing strategies to obtain a basic strategy pool;

[0020] Based on the basic strategy pool, personalized adaptation is performed according to user portraits to generate optimized strategy packages;

[0021] Prioritize the optimized strategy packages and generate sequence strategy packages;

[0022] Add risk warnings to strategies involving leverage and / or long-term lock-up in the sequential strategy package to generate an executable strategy package.

[0023] Furthermore, based on the basic strategy pool and user profile, personalized adaptation is performed to generate an optimized strategy package, including:

[0024] Calculate the difference between the remaining loan principal and investable assets based on the user profile;

[0025] When the remaining principal of the loan is zero, the aggressive investment funds in the basic strategy package are adapted as investable assets;

[0026] When the remaining loan principal is greater than the investable assets, the stable investment funds in the basic strategy package are adapted as investable assets;

[0027] When the remaining loan principal is less than the investable assets, the stable investment funds are adapted to the remaining loan principal, and the aggressive investment assets are adapted to the difference between the remaining loan principal and the investable assets;

[0028] Among them, aggressive investment funds are investment funds with acceptable risks, and stable investment funds are investment funds with unacceptable risks.

[0029] Furthermore, the financial ability index scores are calculated based on the financial situation data using the Five Senses Financial Management Formula, including:

[0030] Based on the financial situation data, the reasonable balance rate is calculated using the following formula:

[0031]

[0032] Among them, b is the city coefficient, c is the life cycle coefficient, d is the standard deviation of income in the past 12 months, and e is the average income;

[0033] Based on the financial situation data, the actual balance rate is calculated using the following formula:

[0034]

[0035] Among them, h is the monthly disposable income and i is the monthly rigid expenditure;

[0036] Based on the reasonable balance rate and the actual balance rate, the balance capacity score is calculated using the following formula:

[0037]

[0038] Among them, g is the actual balance rate, a is the reasonable balance rate;

[0039] Based on the financial data, the safety level is calculated using the following formula:

[0040] k=μ+2σ+∑P·C

[0041] Among them, μ is the monthly average of non-fixed expenditures in the past two years, σ is the standard deviation of the expenditure series, P is the probability of the predicted event, and C is the 75th percentile of the historical cost of the same time;

[0042] Based on the safe water level, the emergency response capability score is calculated using the following formula:

[0043]

[0044] Among them, l is cash assets, m is assets that can be quickly pledged, and k is the safety level;

[0045] Based on the financial situation data, the solvency score is calculated using the following formula:

[0046]

[0047] Among them, α is the debt-to-asset ratio, β is the balance of liabilities, γ is the interest rate floating space, δ is short-term liabilities, ε is current assets, and ∈ is the income stability coefficient;

[0048] Based on the financial situation data, the asset flexibility score is calculated using the following formula:

[0049]

[0050] Where η is the asset value, θ is the liquidity coefficient, is the total assets;

[0051] Based on the financial data, the asset appreciation score is calculated using the following formula:

[0052]

[0053] Where ρ is the actual rate of return, υ is the expected inflation rate, is the portfolio volatility, φ is the number of months that it outperforms the benchmark;

[0054] The financial capability index score is obtained by integrating the balance capacity score, emergency capacity score, solvency score, asset flexibility score and asset appreciation score.

[0055] Furthermore, after generating a financial planning plan based on current situation analysis and optimization suggestions, it also includes:

[0056] Generate forecast results based on financial planning solutions;

[0057] Predictions include:

[0058] The point when the net value of liquid assets turns positive is the time coordinate when the market value of available cash and near-cash assets first covers the total liabilities;

[0059] The final date for full debt repayment, which is the final settlement date for credit liabilities to achieve a zero balance status;

[0060] FI-50 benchmark point, the first accounting period in which PI / E ≥ 50% is met;

[0061] At the FI-100 achievement stage, if and only if PI / E ≥ 100%, the economic state of complete financial freedom is determined;

[0062] Among them, PI is the annual passive income and E is the annual total expenditure.

[0063] Furthermore, the method further comprises:

[0064] During data transmission and collection, SSL protocol is used for encryption.

[0065] In a second aspect, the present application also provides a system for generating a family financial planning solution, including:

[0066] Source module, used to obtain financial status data;

[0067] Integration module, used to obtain financial situation data based on financial status data;

[0068] The financial indicator module is used to calculate the financial capability indicator score based on the financial situation data using the five senses financial management formula;

[0069] The current situation analysis module is used to obtain current situation analysis and optimization suggestions based on financial situation data and financial capability indicator scores through large model instructions;

[0070] The financial planning module is used to analyze the current situation and provide optimization suggestions, and generate financial planning plans.

[0071] In a third aspect, the present application further provides a computer device comprising a memory and a processor, wherein the memory stores a computer program, and the processor implements the steps of the method provided in the first aspect of the present application when executing the computer program.

[0072] In a fourth aspect, the present application further provides a computer-readable storage medium having a computer program stored thereon, which, when executed by a processor, implements the steps of the method provided in the first aspect of the present application.

[0073] The above-mentioned method, system, device, and medium for generating a family financial planning solution obtain financial status data; obtain financial situation data based on the financial status data; calculate a financial capability index score based on the financial situation data using the Five Senses Financial Management formula; obtain a current situation analysis and optimization suggestions based on the financial situation data and the financial capability index score through large model instructions; and generate a financial planning solution based on the current situation analysis and optimization suggestions. This method can address the problem that existing financial solution recommendation software relies on static balance sheets, fails to capture dynamic cash flow characteristics such as cyclical wage fluctuations and unexpected medical expenses, and has a high degree of rigidity and lack of flexibility in its recommendations. It can capture dynamic cash flow and provide flexible financial solutions. BRIEF DESCRIPTION OF THE DRAWINGS

[0074] In order to more clearly illustrate the technical solutions in the embodiments of the present application or related technologies, the following briefly introduces the drawings required for use in the embodiments or related technical descriptions. Obviously, the drawings described below are only some embodiments of the present application. For ordinary technicians in this field, other drawings can be obtained based on these drawings without paying any creative work.

[0075] Figure 1 A flow chart of a method for generating a family financial planning scheme according to the present invention;

[0076] Figure 2 This is a system diagram for generating a family financial planning solution of the present invention. DETAILED DESCRIPTION

[0077] In order to make the purpose, technical solutions and advantages of this application more clear, the following further describes this application in detail with reference to the accompanying drawings and embodiments. It should be understood that the specific embodiments described herein are only used to explain this application and are not intended to limit this application.

[0078] The embodiment of the present application provides a method for generating a family financial planning scheme, which can be applied in an application environment for understanding asset allocation and financial planning.

[0079] In one embodiment, Figure 1 As shown, a method for generating a family financial planning scheme is provided. This embodiment uses the method applied to a terminal as an example. It can be understood that the method can also be applied to a server, and can also be applied to a system including a terminal and a server, and is implemented through the interaction between the terminal and the server. Among them, the terminal communicates with the server through the network. The data storage system can store data that the server needs to process. The data storage system can be integrated on the server, or it can be placed on the cloud or other network servers. Specifically, the user submits application information for a family financial planning scheme by using the terminal, and sends the application information to the server through the terminal, and obtains relevant data and information such as the planning scheme fed back by the server through the terminal. Among them, the terminal can be but is not limited to various personal computers, laptops, smart phones, tablet computers, etc. The server can be implemented as an independent server or a server cluster consisting of multiple servers. In this embodiment, the method includes the following steps:

[0080] Step 101: Obtain financial status data.

[0081] Specifically, financial status data can include user information, assets, income, expenses, loans, and other financial-related data. User information can include city, age, job category, and gender. Assets can be calculated based on investment account details, vehicle and property status, and other channels. Income is categorized as fixed, variable, active, and passive. Expenses can include various types of expenses, past variable expenses, and projected future variable expenses. Financial status data is an objective record. The terminal obtains financial status data through user-filled forms. Users can also authorize the terminal to directly retrieve bank statements or upload files such as bank statements and investment portfolio screenshots. The terminal then transmits these bank statements or screenshots via a server to a large AI (artificial intelligence) model, which automatically parses the content and categorizes them to generate structured financial data. Image recognition and natural language processing technologies can be used to ensure high-precision extraction of key information and reduce manual errors. The terminal also tracks user assets based on their investment status and automatically updates investment target prices and the total portfolio value.

[0082] Step 102: Obtain financial status data based on the financial status data.

[0083] Specifically, financial status data is cleaned, classified, and aggregated to generate financial status data. This financial status data may include, but is not limited to, net assets, determined by the difference between total assets and total liabilities, as well as information such as non-disposable assets and disposable assets. This financial status data provides financial significance.

[0084] Step 103: Calculate the financial capability index score based on the financial situation data using the five-sense financial management formula.

[0085] Specifically, the Five Senses Financial Management formula includes five independent indicators: balance capacity, emergency response capacity, solvency, asset flexibility, and asset appreciation. These indicators are scored dynamically based on financial conditions to create a five-dimensional financial capacity score.

[0086] Step 104: Based on the financial situation data and the financial capability index scores, the current situation analysis and optimization suggestions are obtained through the large model instructions.

[0087] Specifically, the current situation analysis and optimization recommendations are diagnostic reports that focus on problem identification, strengths identification, and improvement directions, with a greater emphasis on the current state. The large-scale model directives generate current situation analysis and optimization recommendations through financial capability rating, problem identification, root cause analysis, strengths comparison, and strategy matching.

[0088] Step 105: Generate a financial planning solution based on the current situation analysis and optimization suggestions.

[0089] Specifically, the core of a financial planning program lies in specific action steps. It is an executable overall program that includes execution steps from the short-term to the long-term, mainly involving the behavioral guidance process. Based on the executable strategy package composed of advantage enhancement strategies and defensive strategies, the strategies in the strategy package are integrated to generate a progressive financial planning program. It supports custom goals, which can include children's education funds, retirement pensions, home purchase plans, etc. After entering the time and amount requirements, the system automatically calculates the current asset gap and monthly savings requirements, and at the same time tracks the investment asset information in the financial status in real time, dynamically adjusts the target achievement rate according to real-time asset changes, pushes early warning prompts, and after uploading the position screenshot, AI identifies the target name, quantity and price, links the market data interface to update the total value of the portfolio, and generates a visual yield curve. The performance of the investment portfolio directly affects the progress of the goal.

[0090] The embodiment of the present application provides a method for generating a family financial planning scheme, which includes obtaining financial status data; obtaining financial situation data based on the financial status data; calculating a financial capability index score based on the financial situation data using the five-sense financial management formula; obtaining a current situation analysis and optimization suggestions based on the financial situation data and the financial capability index score using a large model instruction; and generating a financial planning scheme based on the current situation analysis and optimization suggestions. Through the above steps, it is possible to solve the problem that existing financial plan recommendation software relies on static balance sheets, cannot capture dynamic cash flow characteristics such as cyclical fluctuations in wages and sudden medical expenses, and has a high degree of rigidity and lack of flexibility in suggestions, thereby achieving the effect of capturing dynamic cash flow and flexibly providing financial plans.

[0091] In one embodiment, based on financial data and financial capability index scores, a large model is used to generate current situation analysis and optimization suggestions, including:

[0092] Step 201 : Map the financial capability indicator scores to corresponding levels based on the score classifier to obtain the level labels of each dimension.

[0093] Specifically, each score in the financial capability indicator score is mapped to a preset level.

[0094] For example, scores below 40 are considered extremely poor; scores above 40 and below 60 are considered poor; scores above 60 and below 80 are considered average; scores above 80 and below 90 are considered good; and scores above 90 are considered excellent.

[0095] Step 202: Based on the dimensional grade labels and the variable contribution in the calculation formula of each financial capability indicator score, the weak links of the financial indicators that are significantly below the healthy benchmark and have the greatest impact on the total score are identified through analysis of the dimensional grade labels and the variable contribution.

[0096] Specifically, for each dimension with a score lower than 80, the contribution of the variables in the underlying calculation formula is traced.

[0097] For example, if the emergency response capability score is low, the contribution is calculated using the following formula:

[0098]

[0099] Among them, μ is the safety level gap and α is the total value of current assets.

[0100] Step 203: Compare the financial capability index scores to obtain asset advantage items.

[0101] Specifically, by comparing the financial capability index scores with the benchmark percentiles of similar groups, we can screen out the advantageous dimensions that rank in the top 20% and have the potential for sustained growth.

[0102] Step 204: Based on the core asset issues and asset advantages, an executable policy package is obtained through a policy matching rule base model.

[0103] Specifically, based on the core issues and asset advantages of assets, defensive strategies and advantage-enhancing strategies are generated, and an executable strategy package is obtained through a system composed of multi-dimensional decision-making logic, including dynamic priority sorting, risk correction mechanism, etc.

[0104] Step 205: Generate current situation analysis and optimization suggestions based on the executable policy package.

[0105] Specifically, based on the defensive strategies and advantage-enhancing strategies in the executable strategy package, the strategy instructions are converted into a structured diagnostic report that includes problem attribution, improvement paths, and expected benefits.

[0106] This embodiment achieves a complete link from data insight to current situation analysis by grading financial capability indicator scores, searching for core issues through attribution analysis, and finding user advantage projects, effectively improving the accuracy of current situation analysis.

[0107] In one embodiment, based on the core issues and advantage items, an executable policy package is obtained through a policy matching rule base model, including:

[0108] Step 301: statically match core issues and generate defensive strategies.

[0109] Specifically, core issues are mapped into standardized defense strategies through a predefined rule base.

[0110] For example, if the emergency capacity score is identified to be less than 60, it is classified as a liquidity risk, and the emergency reserve building strategy is triggered.

[0111] Step 302: Generate advantage-enhancing strategies based on the advantage items.

[0112] Specifically, through the reinforcement learning model, a profit amplification strategy is designed for the advantage dimension, so that good investments can continue to increase regular fixed-amount investments from the surplus.

[0113] Step 303: Integrate the defensive strategies and advantage-enhancing strategies to obtain a basic strategy pool.

[0114] Specifically, defensive strategies and advantage-enhancing strategies are integrated through a multi-objective optimization algorithm. When the two conflict, the Pareto optimal principle is adopted to prioritize the direction with lower risk entropy. The weight distribution ratio is dynamically adjusted according to the severity of the core problem and the strength of the advantage to obtain a basic strategy pool.

[0115] Step 304: Based on the basic policy pool and the user profile, personalized adaptation is performed to generate an optimized policy package.

[0116] Specifically, user profiles are generated using user information from financial data, including risk tolerance, lifecycle stage, and occupational characteristics. Strategy calibration is then performed using a constraint engine based on user tags. Strategy parameters are adjusted based on user behavior data. The weighting of regular fixed-amount investments is increased, and the impact of simple and compound interest on the strategy is increased.

[0117] Step 305 : Prioritize the optimized policy packages to generate a sequence policy package.

[0118] Specifically, an improved approach to ideal solution sorting method is used to determine the execution order. Priority evaluation criteria include: speed of problem escalation, profit potential, execution cost, and compliance. Defensive strategies are prioritized during periods of intense market volatility, while strengthening strategies are prioritized during economic recovery. The strategy is divided into three phases: emergency hemostasis, structural optimization, and long-term value-added.

[0119] Step 306: Add risk warnings to the strategies involving leverage and / or long-term lock-up in the sequence strategy package to generate an executable strategy package.

[0120] Specifically, through Monte Carlo simulation, the risks of strategies are dynamically marked, and for strategies involving leverage and liquidity lock-up, the maximum possible losses under various market scenarios are calculated. A stress test report is generated for each strategy to demonstrate the impact under extreme circumstances.

[0121] This embodiment generates defensive strategies and advantage-enhancing strategies based on core issues and advantage items and integrates the two methods to achieve a closed loop from problem diagnosis to strategy implementation, thereby improving the rationality of the strategy and enhancing the accuracy of the financial planning scheme.

[0122] In one embodiment, based on the basic policy pool and according to the user profile, personalized adaptation is performed to generate an optimized policy package, including:

[0123] Step 401: Calculate the difference between the remaining loan principal and investable assets based on the user profile.

[0124] Specifically, by calculating the difference between the remaining principal of the user's existing loan and investable assets, the user's financial foundation is quantified and the core boundary conditions of the user's risk tolerance are determined.

[0125] Step 402: When the remaining principal of the loan is zero, the investable funds in the basic strategy package are adapted as investable assets.

[0126] Specifically, when the user has no debt, all investable assets will be used as aggressive investment funds, that is, all investable assets will be invested in high-risk and high-yield assets.

[0127] Step 403: When the remaining loan principal is greater than the investable assets, the stable investment funds in the basic strategy package are adapted as investable assets.

[0128] Specifically, when users are in net debt, all investable assets will be invested in principal-guaranteed products.

[0129] Step 404: When the remaining principal of the loan is less than the investable assets, the stable investment funds are adapted to the remaining principal of the loan, and the aggressive investment assets are adapted to the difference between the remaining principal of the loan and the investable assets.

[0130] Among them, aggressive investment funds are investment funds with acceptable risks, and stable investment funds are investment funds with unacceptable risks.

[0131] Specifically, when a user is in a net investment position, they will invest an amount of investable assets equivalent to the loan principal in a principal-guaranteed product to cover debt risk, and invest the remaining investable assets in high-risk, high-yield investments to pursue excess returns. Aggressive investment funds are funds with acceptable risk and are invested in high-risk, high-yield investments to pursue returns, while conservative investment funds are funds with unacceptable risk and are required to repay the loan.

[0132] This embodiment prevents the emergence of strategies that cause debt defaults due to investment losses through risk isolation and return optimization methods, and maximizes risk-adjusted returns within a safety margin, thereby reducing investment risks, enhancing returns, and improving the accuracy of financial planning solutions.

[0133] In one embodiment, a financial capability index score is calculated based on the financial situation data using the five-sense financial management formula, including:

[0134] Step 501: Based on the financial data, calculate the reasonable balance rate using the following formula:

[0135]

[0136] Specifically, b is the city coefficient, c is the lifecycle coefficient, d is the standard deviation of income over the past 12 months, and e is the average monthly income. This dynamically calibrates the user's savings benchmark; high income fluctuations or high living costs require a higher balance rate.

[0137] For example, the city coefficient includes: 0.2 for first-tier cities, 0.1 for second-tier cities, and 0 for other cities. The life cycle coefficient includes: 0 for single people, 0.1 for married people without children, and 0.2 for married people with children.

[0138] Step 502: Based on the financial data, calculate the actual balance rate using the following formula:

[0139]

[0140] Specifically, h is the monthly disposable income and i is the monthly rigid expenditure. It quantifies the actual savings ability of users and reflects the efficiency of income and expenditure management.

[0141] Step 503: Calculate the balance ability score according to the reasonable balance rate and the actual balance rate through the following formula:

[0142]

[0143] Specifically, g is the actual balance rate and a is the reasonable balance rate. When g > a, reward for excess savings; when g < a, punish for deficiency, deduct 2 points for each 1% difference. Use a piecewise function to balance stimulation and constraint to avoid score distortion. The balance ability is used to measure the sense of achievement, increase income and cut expenses, have a surplus every month and every year, and having a balance means outperforming 90% of people.

[0144] Step 504: Calculate the safety level through the following formula based on the financial situation data:

[0145] k = μ + 2σ + ∑P·C

[0146] Specifically, μ is the average monthly non-fixed expenditure in the past two years, σ is the standard deviation of the expenditure sequence, P is the probability of predicting future events, and C is the 75th percentile of the historical cost of the same type of time, which is used to cover extreme situations. It quantifies the emergency reserve demand of users, considers historical fluctuations, and incorporates future risk premiums.

[0147] Exemplarily, the probability of predicting future events such as the probability of unemployment, the probability of illness, etc.

[0148] Step 505: Calculate the emergency ability score through the following formula based on the safety level:

[0149]

[0150] Specifically, l is cash assets, including demand deposits, money funds, etc., m is quickly pledgeable assets, including national bonds, cash value of insurance policies, etc., and k is the safety level. When the coverage months are greater than 3, use the hyperbolic tangent function to compress the asset and water level ratio to 0 to 100 points. When the coverage months are less than 3, add partial recognized pledge assets. The emergency ability does not only depend on cash flow, and quickly realizable assets also affect the emergency ability. The emergency ability is used to provide a sense of security. High-liquidity assets bring 3 to 6 months of emergency funds, and sufficient emergency funds have no worries.

[0151] Step 506: Calculate the solvency score through the following formula based on the financial situation data:

[0152]

[0153] Specifically, α is the debt-to-asset ratio, β is the balance of liabilities, γ is the interest rate floating space, δ is short-term liabilities, ε is current assets, ∈ is the income stability coefficient, and ∑(β×γ) is the interest rate sensitivity. It quantifies the direct impact of rising interest rates on debt costs and identifies debt vulnerability. The debt-to-asset ratio (DLR) is the ratio of total liabilities to total assets, providing a comprehensive assessment of debt risk. The weighting is 40% for long-term solvency, 30% for the impact of interest rate hikes, and 30% for short-term repayment pressure. Solvency indicates a sense of stability. Good mortgage leverage and a healthy monthly payment-to-income ratio indicate that monthly payments are easily met.

[0154] Step 507: Calculate the asset flexibility score based on the financial data using the following formula:

[0155]

[0156] Specifically, η is the asset value, θ is the liquidity coefficient, Total assets. This is used to measure asset liquidity; illiquid assets significantly lower the score. Asset flexibility reflects well-being and increases disposable assets. Seeing your disposable wealth grow brings greater comfort and peace of mind.

[0157] For example, the cash liquidity coefficient is 1, the stock liquidity coefficient is 0.8, and the real estate liquidity coefficient is 0.2.

[0158] Step 508: Calculate the asset appreciation score based on the financial data using the following formula:

[0159]

[0160] Specifically, ρ is the actual rate of return, υ is the expected inflation rate, is the portfolio volatility, and φ is the number of months the portfolio outperforms the benchmark. This measure measures excess returns per unit of risk and also reflects the sustainability of wealth. Asset appreciation is used to measure a sense of wealth. Accumulating value-added assets increases passive income, allowing for a steady stream of income and a stable level of prosperity.

[0161] Step 509 , integrating the balance capacity score, emergency capacity score, solvency score, asset flexibility score, and asset appreciation score to obtain a financial capacity index score.

[0162] This embodiment provides a scoring index for measuring asset health across five dimensions, providing a good foundation for subsequent problem location and advantage identification, and increasing the accuracy of current situation analysis and optimization recommendations.

[0163] In one embodiment, after generating a financial planning solution based on the current situation analysis and optimization suggestions, the following steps are further included:

[0164] Step 601: Generate a forecast result based on the financial planning scheme.

[0165] Specifically, based on the financial planning scheme, the investment rate of return is calculated according to the weighted asset allocation in the plan, and the monthly net cash flow and the current net value of liquid assets are integrated to calculate the monthly income, and based on the monthly income, wealth milestones are generated.

[0166] Predictions include:

[0167] The point in time when the net value of liquid assets turns positive is the time coordinate when the market value of available cash and quasi-cash assets first covers the total liabilities.

[0168] Specifically, the point in time when the net value of liquid assets turns positive is the point in time when the net value of liquid assets is greater than liabilities.

[0169] The final date for full debt repayment is the final settlement date when credit liabilities reach a zero balance status.

[0170] Specifically, the termination date for full debt repayment is the final date on which the debt balance is reduced to zero.

[0171] FI-50 benchmark point, the first accounting period in which PI / E ≥ 50% is met.

[0172] At the FI-100 achievement stage, the economic state of complete financial freedom is determined to be achieved when and only when PI / E ≥ 100%.

[0173] Specifically, PI is annual passive income, and E is total annual expenses. The FI-50 benchmark is the fiscal year in which passive income first covers 50% of annual expenses. FI-100 is the point in time when passive income consistently covers 100% of annual expenses.

[0174] This embodiment allows users to intuitively understand the effects of financial planning by displaying forecast results, thereby enhancing user confidence and improving user experience.

[0175] In one embodiment, the method further comprises:

[0176] Step 701: During data transmission and collection, the SSL protocol is used for encryption.

[0177] Specifically, the SSL protocol uses handshake negotiation. When the client and server establish a connection, keys are exchanged through asymmetric encryption. The server sends a digital certificate, and the client verifies the legitimacy of the certificate. The client generates a key and generates a random "pre-master key". It is encrypted with the server's public key and transmitted. The server decrypts it with the private key. Both parties generate a unique session key based on the pre-master key for subsequent symmetric encryption. All data is encrypted with the session key to ensure that it cannot be eavesdropped or tampered with during transmission. At the same time, the data integrity is verified by the HMAC algorithm. The user's original data is encrypted and stored locally on the mobile phone by default. It does not leave the device without authorization. Only when using AI to generate financial advice, the desensitized data (with hidden personal identity information) is temporarily uploaded to the compliant cloud platform for analysis through the SSL encrypted channel. The cloud data is destroyed immediately after the results are returned. The server does not store any user's original data and only retains necessary logs for system optimization. The logs do not contain sensitive information. This embodiment uses SSL protocol encryption for the data transmission process, which increases the reliability of data transmission and reduces the risk of leakage.

[0178] In order to further illustrate the solution of the embodiment of the present application, a specific example is given below.

[0179] In this embodiment, a method for generating a family financial planning scheme can be used in the form of an APP, including steps such as data integration and labeling, visualization of the five-sense financial management model, wealth freedom prediction, and interactive planning limitation, to realize the full-process intelligent family financial planning scheme generation.

[0180] (1) Users register and log in to the APP and fill in their personal information and personal financial status information.

[0181] The backend server captures the user's income and expenditure statements for the past 12 months and, combined with the user's personal information and financial status, organizes the user's wealth. It also supports uploading screenshots of monthly statements and uses a large-scale model to identify, analyze, and categorize them. Financial data is stored locally, not on cloud servers. Data requiring large-scale model analysis is transmitted to the AI ​​large-scale model via cloud computing platforms and services under SSL encryption, and the data is immediately cleaned up after use.

[0182] (2) Label user assets.

[0183] This can include, but is not limited to, non-disposable assets and disposable assets. Disposable assets include emergency funds and investable assets. Comparing the difference between investable assets and the remaining loan principal allows for allocation of funds for aggressive and conservative investments. Investment assets include: mutual funds, private equity funds, bank wealth management products, stocks, RSUs, and bonds.

[0184] Net assets are obtained by calculating the difference between total assets and total liabilities, and asset allocation is made for investable assets.

[0185] If there is no loan or the loan has been repaid, the aggressive investment funds are equal to the amount of investable assets. Try to increase the aggressive investment amount, maximize the equity type according to age, invest in the long term, and get through the cycle; if the remaining principal of the loan is still greater than the investable assets, the stable investment funds are equal to the amount of investable assets. Try to increase the stable investment amount, maximize the fixed income type according to age, and invest in equities according to risk-bearing capacity; if the investable assets are already greater than the remaining principal of the loan, the stable investment funds are equal to the remaining principal amount of the loan, and the aggressive investment funds are equal to the difference between the investable assets and the remaining principal amount of the loan. The stable part is mainly invested in fixed income, and the aggressive part is mainly invested in equities. The aggressive part is idle money.

[0186] When investable assets exceed the remaining loan principal, debt freedom is achieved. True idle cash equals investable assets minus the remaining loan principal. True idle cash is investment capital that is relatively safe from losses. The active portion is idle cash.

[0187] (3) Predict the user’s future net worth.

[0188] Every year there will be cash surplus, investment assets will appreciate in value, and loan principal will decrease, so the net asset value will continue to accumulate and increase in the future.

[0189] By calculating the difference between total monthly income and total expenditure, you can get cash flow and measure whether you have enough money and whether there is a surplus.

[0190] (4) Label user income.

[0191] This can include, but is not limited to: fixed income, irregular income, active income, passive income, etc. Fixed income includes recurring income: daily, monthly, quarterly, semi-annually, annually, and also includes multiple income streams, including income from a primary job plus income from a secondary job. Irregular income includes various bonuses, dividends, and commissions. Active income includes income from continuous improvement in skills, continuous advancement in position and track, and income from increasing alignment between age and market demand. Increasing passive income can reduce the pressure on active income, and continuously increasing regular investments from surpluses is the best way to increase passive income. The impact of simple and compound interest on passive income should be considered proactively, and pension investment should be started early. Pensions will be the main source of future passive income, saving income tax and also having a compound interest effect.

[0192] (5) Label user spending.

[0193] This can include but is not limited to: Fixed expenses: recurring household and personal expenses, monthly mortgage payments, insurance premiums, and regular fixed-amount investments. Variable expenses: future, irregular expenses that are anticipated in advance. It is important to be able to predict future cash flow, at least for one year, and investing in yourself is the best expense.

[0194] (6) Calculate the financial capability index (ASSHO) using the five senses financial management formula.

[0195] The ability to save money is also called a sense of achievement. By increasing revenue and reducing expenditure, you can have surplus every month and every year. Having a surplus will make you better than 90% of people.

[0196] Emergency response capability is also known as security. Highly liquid assets provide 3 to 6 months of emergency funds. Adequate emergency funds mean no worries.

[0197] Solvency is also known as stability. If the mortgage leverage is good and the monthly payment-to-income ratio is healthy, the monthly payment will not be difficult to repay.

[0198] Asset flexibility is also known as happiness. Increasing disposable assets and watching your disposable wealth grow will make you feel more comfortable and at ease.

[0199] Asset appreciation is also known as a sense of wealth (Oofy). It accumulates value-added assets, increases passive income, and allows money to make money continuously, leading to a stable and comfortable life.

[0200] (7) Gather financial capability indicators from five dimensions to generate a financial model.

[0201] The ratio of annual passive income to annual total expenditure is defined as financial freedom.

[0202] When the degree of wealth freedom is 0%-25%, you are working from nine to five, with no or very little investment (passive) income, and rely almost entirely on active income.

[0203] When the degree of wealth freedom is 25%-50%, you are in a state of shopping freedom, and the passive income is enough to cover 1 / 4-1 / 2 of the annual expenses. You are more free to shop and buy what you want.

[0204] When the degree of wealth freedom is 50%-75%, you are in a freedom-loving state, and your passive income is enough to cover more than half of your annual expenses. You can start living a freedom-loving life.

[0205] When the degree of wealth freedom is 75%-100%, you are in a state of work freedom, and your passive income is enough to cover more than 3 / 4 of the annual expenses. You can consider working for your own interests with low stress.

[0206] When your financial freedom is above 100%, you are in a state of freedom after sleeping, and your passive income is enough to cover all or more of your annual expenses. Congratulations, you are financially free, so enjoy your life freely!

[0207] Everyone's current financial situation and stage are different. To improve your financial freedom, you still need to start by improving your financial capabilities step by step. If you have the ability to switch from defense to offense and gradually increase your investment and investment income, you will be on the road to becoming a stable rich.

[0208] Financial freedom is more of a goal than a process. Here, financial freedom refers to the proportion of annual passive income that can cover annual expenses. Therefore, it is important to know how much money you need each year. Moreover, controlling your desires has a lot to do with when you will achieve financial freedom or improve your financial freedom.

[0209] Financial freedom is not the only goal, because you have other disposable assets to cover expenses, but in order to avoid living beyond your means, increasing passive income is still an important goal.

[0210] (8) Provide financial status analysis and optimization suggestions through the large instruction model.

[0211] Input good ideas into the big directive model to influence the generation of strategy. Good ideas include:

[0212] Only debts that can generate asset value are good debts. Debts that are only for satisfying consumption desires should be paid off quickly.

[0213] From the surplus, continue to increase the regular investment in good investments, and regular fixed amounts are the best way to manage your finances.

[0214] If you have the ability and conditions, you can use the leverage provided by the bank to buy a larger property with a smaller one. A home loan is a good liability.

[0215] Investing in yourself is the best expenditure.

[0216] Income - Investment - Savings = Expenditure.

[0217] Investment: pensions and other regular investments.

[0218] Half of the monthly surplus is invested regularly, and the other half is placed in a money market fund, with a yield of about 2%.

[0219] Investing requires asset allocation—a portfolio approach. However, asset allocation is a complex and specialized process, considering everything from individual and family financial needs and timing, to market fluctuations / economic ups and downs / changes in the strength of major asset classes, and finally, the risk each goal-oriented portfolio should bear and the maximum allowable drawdown (loss of money). Therefore, it's best not to invest blindly on your own. Instead, seek help from a professional investment advisor and develop a sound financial plan before investing. Without a specific goal in mind, a common asset allocation ratio is:

[0220] Subtract age from 100, and this is the proportion of the investment in equity (stocks), and the rest is fixed income (bonds).

[0221] As for cash, emergency funds are best kept in cash or money funds, with 10% reserved for catching good companies during black swan events.

[0222] (9) Generate financial planning solutions based on current situation analysis and optimization suggestions.

[0223] Everyone's current financial situation and stage are different. To improve financial freedom, you still need to start by improving your financial capabilities step by step. This is a method and process from near to far, from defense to offense.

[0224] The indicators and results here don't have fixed or standard answers. They're meant to be a guide, a process of improvement and progress. If all indicators are at the highest level, congratulations! You're incredible! However, these indicators aren't meant to earn you high scores or high performance. They're meant to highlight areas where you might be lacking and where you need to improve. They're also meant to reassure you that you're relatively healthy in certain areas.

[0225] Users can set financial goals and future financial needs, make asset allocations based on the goals, calculate future goal achievement rates based on market and major asset scenario data, track investment portfolios and performance indicators, and influence goal achievement rates.

[0226] (10) Remind users to open the APP at least once a month to conduct financial health analysis and financial planning.

[0227] Indicators, amounts, and status are dynamic and will change with individual or family finances and circumstances. Just like a semi-annual or annual health checkup, develop a habit of opening the app at least once or twice a month to update your financial balance, adjust your plans and allocations, and review the analysis results. The journey from financial peace of mind to stable prosperity is a continuous process that continues throughout life. It can also help you predict your future, see what your future holds, and make early adjustments for the better.

[0228] At the same time, the APP provides interactive courses, which can include 55 streamlined courses covering basic financial management, risk identification, asset allocation and other modules. It can simulate "one-on-one consultant" teaching through dialogue and question-and-answer format. The course content can be combined with the user's financial data for teaching. For example, when explaining "emergency reserve funds", it automatically links the user's current cash flow level to give suggestions.

[0229] The above-mentioned method for generating a family financial planning plan obtains financial status data; obtains financial situation data based on the financial status data; calculates a financial capability index score based on the financial status data using the Five Senses Financial Management formula; obtains a current situation analysis and optimization suggestions based on the financial situation data and the financial capability index score using large model instructions; and generates a financial planning plan based on the current situation analysis and optimization suggestions. This method can address the problem that existing financial plan recommendation software relies on static balance sheets, fails to capture dynamic cash flow characteristics such as cyclical wage fluctuations and unexpected medical expenses, and has a high degree of rigidity and lack of flexibility in its recommendations. It can capture dynamic cash flow, flexibly formulate financial plans, and significantly improve the accuracy of financial plans.

[0230] It should be understood that, although the various steps in the flowcharts involved in the various embodiments described above are displayed in sequence according to the instructions of the arrows, these steps are not necessarily executed in sequence in the order indicated by the arrows. Unless otherwise specified herein, there is no strict order restriction on the execution of these steps, and these steps can be executed in other orders. Moreover, at least a portion of the steps in the flowcharts involved in the various embodiments described above can include multiple steps or multiple stages, and these steps or stages are not necessarily executed and completed at the same time, but can be executed at different times, and the execution order of these steps or stages is not necessarily to be carried out in sequence, but can be executed in turn or alternately with other steps or at least a portion of steps or stages in other steps.

[0231] Based on the same inventive concept, embodiments of the present application also provide a system for generating a family financial planning solution for implementing the aforementioned method for generating a family financial planning solution. The solution provided by this system for solving the problem is similar to the solution described in the aforementioned method. Therefore, the specific limitations of one or more embodiments of the system for generating a family financial planning solution provided below can be found in the above-mentioned limitations of the method for generating a family financial planning solution, and will not be repeated here.

[0232] In an exemplary embodiment, Figure 2 As shown, a system 800 for generating a family financial planning solution is provided, comprising:

[0233] Source module 801, used to obtain financial status data;

[0234] Integration module 802, used to obtain financial status data based on financial status data;

[0235] The financial indicator module 803 is used to calculate the financial ability indicator score based on the financial situation data using the five senses financial management formula;

[0236] The current situation analysis module 804 is used to obtain current situation analysis and optimization suggestions based on financial situation data and financial capability index scores through large model instructions;

[0237] The financial planning module 805 is used to analyze the current situation and make optimization suggestions, and generate financial planning solutions.

[0238] Furthermore, the current situation analysis module is also used to:

[0239] Based on the score classifier, the financial capability indicator scores are mapped to corresponding levels to obtain the level labels of each dimension;

[0240] Determine the core asset issues based on the grade labels of each dimension and the contribution of variables in the calculation formula of each financial capability indicator score;

[0241] Compare the financial capability index scores to obtain asset advantage items;

[0242] Based on the core issues and asset advantages of assets, an executable strategy package is obtained through the strategy matching rule base model;

[0243] Generate current situation analysis and optimization suggestions based on executable strategy packages.

[0244] Furthermore, based on the core issues and advantages, an executable strategy package is obtained through the strategy matching rule base model, including:

[0245] Static matching of core issues to generate defensive strategies;

[0246] Generate advantage-enhancing strategies based on advantage items;

[0247] Integrate defensive strategies and advantage-enhancing strategies to obtain a basic strategy pool;

[0248] Based on the basic strategy pool, personalized adaptation is performed according to user portraits to generate optimized strategy packages;

[0249] Prioritize the optimized strategy packages and generate sequence strategy packages;

[0250] Add risk warnings to strategies involving leverage and / or long-term lock-up in the sequential strategy package to generate an executable strategy package.

[0251] Furthermore, based on the basic strategy pool and user profile, personalized adaptation is performed to generate an optimized strategy package, including:

[0252] Calculate the difference between the remaining loan principal and investable assets based on the user profile;

[0253] When the remaining principal of the loan is zero, the aggressive investment funds in the basic strategy package are adapted as investable assets;

[0254] When the remaining loan principal is greater than the investable assets, the stable investment funds in the basic strategy package are adapted as investable assets;

[0255] When the remaining loan principal is less than the investable assets, the stable investment funds are adapted to the remaining loan principal, and the aggressive investment assets are adapted to the difference between the remaining loan principal and the investable assets;

[0256] Among them, aggressive investment funds are investment funds with acceptable risks, and stable investment funds are investment funds with unacceptable risks.

[0257] Furthermore, the financial indicator module is also used to:

[0258] Based on the financial situation data, the reasonable balance rate is calculated using the following formula:

[0259]

[0260] Among them, b is the city coefficient, c is the life cycle coefficient, d is the standard deviation of income in the past 12 months, and e is the average income;

[0261] Based on the financial situation data, the actual balance rate is calculated using the following formula:

[0262]

[0263] Among them, h is the monthly disposable income and i is the monthly rigid expenditure;

[0264] Based on the reasonable balance rate and the actual balance rate, the balance capacity score is calculated using the following formula:

[0265]

[0266] Among them, g is the actual balance rate, a is the reasonable balance rate;

[0267] Based on the financial data, the safety level is calculated using the following formula:

[0268] k=μ+2σ+∑P·C

[0269] Among them, μ is the monthly average of non-fixed expenditures in the past two years, σ is the standard deviation of the expenditure series, P is the probability of the predicted event, and C is the 75th percentile of the historical cost of the same time;

[0270] Based on the safe water level, the emergency response capability score is calculated using the following formula:

[0271]

[0272] Among them, l is cash assets, m is assets that can be quickly pledged, and k is the safety level;

[0273] Based on the financial situation data, the solvency score is calculated using the following formula:

[0274]

[0275] Among them, α is the debt-to-asset ratio, β is the balance of liabilities, γ is the interest rate floating space, δ is short-term liabilities, ε is current assets, and ∈ is the income stability coefficient;

[0276] Based on the financial situation data, the asset flexibility score is calculated using the following formula:

[0277]

[0278] Where η is the asset value, θ is the liquidity coefficient, is the total assets;

[0279] Based on the financial data, the asset appreciation score is calculated using the following formula:

[0280]

[0281] Where ρ is the actual rate of return, v is the expected inflation rate, is the portfolio volatility, φ is the number of months that it outperforms the benchmark;

[0282] The financial capability index score is obtained by integrating the balance capacity score, emergency capacity score, solvency score, asset flexibility score and asset appreciation score.

[0283] Furthermore, the system also includes a prediction result module for:

[0284] Generate forecast results based on financial planning solutions;

[0285] Predictions include:

[0286] The point when the net value of liquid assets turns positive is the time coordinate when the market value of available cash and near-cash assets first covers the total liabilities;

[0287] The final date for full debt repayment, which is the final settlement date for credit liabilities to achieve a zero balance status;

[0288] FI-50 benchmark point, the first accounting period in which PI / E ≥ 50% is met;

[0289] At the FI-100 achievement stage, if and only if PI / E ≥ 100%, the economic state of complete financial freedom is determined;

[0290] Among them, PI is the annual passive income and E is the annual total expenditure.

[0291] Furthermore, the system also includes an encryption module for:

[0292] During data transmission and collection, SSL protocol is used for encryption.

[0293] In one embodiment, a computer device is provided, comprising a memory and a processor, wherein the memory stores a computer program, and the processor implements the steps of the method for generating a family financial planning scheme as described above when executing the computer program.

[0294] In one embodiment, a computer-readable storage medium is provided, on which a computer program is stored. When the computer program is executed by a processor, the steps in the above-mentioned method embodiments are implemented.

[0295] For the device embodiments, since they basically correspond to the method embodiments, the relevant parts can be referred to the partial description of the method embodiments. The device embodiments described above are merely illustrative, wherein the components described as separate parts may or may not be physically separated, and the parts displayed as units may or may not be physical units, that is, they may be located in one place, or they may be distributed on multiple network units. Some or all of the modules can be selected according to actual needs to achieve the purpose of the disclosed solution. A person of ordinary skill in the art can understand and implement it without expending creative work.

[0296] The above-described embodiments merely represent several implementation methods of the embodiments of the present application. While the descriptions are relatively specific and detailed, they should not be construed as limiting the scope of the patent application. It should be noted that a person skilled in the art may make various modifications and improvements without departing from the concept of the embodiments of the present application, and these modifications and improvements fall within the scope of protection of the embodiments of the present application.

[0297] It should be noted that the user information (including but not limited to user device information, user personal information, etc.) and data (including but not limited to data used for analysis, stored data, displayed data, etc.) involved in this application are all information and data authorized by the user or fully authorized by all parties, and the collection, use and processing of relevant data must comply with the relevant laws, regulations and standards of relevant countries and regions.

Claims

1. A method for generating a family financial planning scheme, characterized in that: The method comprises: Obtain financial status data; Obtaining financial situation data according to the financial status data; Calculate the financial capability index score based on the financial situation data using the Five Senses Financial Management Formula; Based on the financial situation data and financial capability index scores, obtain current situation analysis and optimization suggestions through large model instructions; Generate a financial planning plan based on the current situation analysis and optimization suggestions.

2. The method for generating a family financial planning scheme according to claim 1, characterized in that: Based on the financial situation data and financial capability index scores, the current situation analysis and optimization suggestions are obtained through large model instructions, including: Mapping the financial capability indicator scores to corresponding levels based on a score classifier to obtain level labels for each dimension; Determine the core asset issues based on the grade labels of each dimension and the contribution of variables in the calculation formula of each financial capability indicator score; Comparing the financial capability index scores to obtain asset advantage items; Based on the core issues and asset advantages of the asset, an executable strategy package is obtained through the strategy matching rule base model; Based on the executable strategy package, the current situation analysis and optimization suggestions are generated.

3. The method for generating a family financial planning scheme according to claim 2, characterized in that: Based on the core issues and advantages, an executable policy package is obtained through a policy matching rule base model, including: Static matching of the core issues and generation of defensive strategies; generating advantage-enhancing strategies based on the advantage items; Integrating the defensive strategies and advantage-enhancing strategies to obtain a basic strategy pool; Based on the basic strategy pool, personalized adaptation is performed according to the user profile to generate an optimized strategy package; Prioritizing the optimized strategy packages to generate a sequence strategy package; Add risk warnings to the strategies involving leverage and / or long-term lock-up in the sequence strategy package to generate an executable strategy package.

4. The method for generating a family financial planning scheme according to claim 3, characterized in that: Based on the basic strategy pool, personalized adaptation is performed according to the user profile to generate an optimized strategy package, including: Calculate the difference between the remaining loan principal and investable assets based on the user profile; When the remaining principal of the loan is zero, the investable funds in the basic strategy package are adapted as the investable assets; When the remaining principal of the loan is greater than the investable assets, the stable investment funds in the basic strategy package are adapted as the investable assets; When the remaining principal of the loan is less than the investable assets, the stable investment funds are adapted to the remaining principal of the loan, and the aggressive investment assets are adapted to the difference between the remaining principal of the loan and the investable assets; Among them, aggressive investment funds are investment funds with acceptable risks, and stable investment funds are investment funds with unacceptable risks.

5. The method for generating a family financial planning scheme according to claim 1, characterized in that: The financial ability index score is calculated based on the financial situation data using the five senses financial management formula, including: Based on the above financial data, the reasonable balance rate is calculated using the following formula: Among them, b is the city coefficient, c is the life cycle coefficient, d is the standard deviation of income in the past 12 months, and e is the average income; Based on the financial data, the actual balance rate is calculated using the following formula: Among them, h is the monthly disposable income and i is the monthly rigid expenditure; Based on the reasonable balance rate and the actual balance rate, the balance capacity score is calculated using the following formula: Wherein, g is the actual balance rate, and a is the reasonable balance rate; Based on the financial data, the safety level is calculated using the following formula: k=μ+2σ+∑P·C Among them, μ is the monthly average of non-fixed expenditures in the past two years, σ is the standard deviation of the expenditure series, P is the probability of the predicted event, and C is the 75th percentile of the historical cost of the same time; Based on the safety water level, the emergency response capability score is calculated using the following formula: Among them, l is cash assets, m is assets that can be quickly pledged, and k is the safety level; Based on the financial data, the solvency score is calculated using the following formula: Among them, α is the debt-to-asset ratio, β is the balance of liabilities, γ is the interest rate floating space, δ is short-term liabilities, ε is current assets, and ∈ is the income stability coefficient; Based on the financial data, the asset flexibility score is calculated using the following formula: Among them, η is the asset value, θ is the liquid asset, is the total assets; Based on the financial data, the asset appreciation score is calculated using the following formula: Where ρ is the actual rate of return, υ is the expected inflation rate, is the portfolio volatility, φ is the number of months that it outperforms the benchmark; The balance capacity score, emergency capacity score, solvency score, asset flexibility score and asset appreciation score are integrated to obtain the financial capacity index score.

6. The method for generating a family financial planning scheme according to claim 1, characterized in that: After generating a financial planning solution based on the current situation analysis and optimization suggestions, the following steps are also included: generating forecast results based on the financial planning scheme; The prediction results include: The point when the net value of liquid assets turns positive is the time coordinate when the market value of available cash and near-cash assets first covers the total liabilities; The final date for full debt repayment, which is the final settlement date for credit liabilities to achieve a zero balance status; FI-50 benchmark point, the first accounting period in which PI / E ≥ 50% is met; At the FI-100 achievement stage, if and only if PI / E ≥ 100%, the economic state of complete financial freedom is determined; Among them, PI is the annual passive income and E is the annual total expenditure.

7. A method for generating a family financial planning scheme according to any one of claims 1 to 6, characterized in that: The method further comprises: During data transmission and collection, SSL protocol is used for encryption.

8. A system for generating a family financial planning scheme, characterized in that: The system comprises: Source module, used to obtain financial status data; An integration module, configured to obtain financial status data based on the financial status data; A financial indicator module, configured to calculate a financial capability indicator score based on the financial situation data using the five-sense financial management formula; A current situation analysis module is used to obtain current situation analysis and optimization suggestions based on the financial situation data and financial capability index scores through large model instructions; The financial planning module is used to generate a financial planning solution based on the current situation analysis and optimization suggestions.

9. A computer device comprising a memory and a processor, wherein the memory stores a computer program, wherein: When the processor executes the computer program, the steps of the method according to any one of claims 1 to 7 are implemented.

10. A computer-readable storage medium having a computer program stored thereon, characterized in that: When the computer program is executed by a processor, the steps of the method according to any one of claims 1 to 7 are implemented.

Images