Monthly unconfirmed financing cost calculation method and related device

Abstract

The invention belongs to the technical field of data calculation, and discloses a monthly unconfirmed financing cost calculation method and a related device. The monthly unconfirmed financing cost calculation method comprises the following steps: configuring parameters of a plurality of groups of lease rules, respectively, calculating the corresponding rent and period according to the parameters of the plurality of groups of lease rules to obtain a plurality of rent and period, and calculating the monthly unconfirmed financing cost according to the rent and period. Obtaining a lease payment amount according to the plurality of rents and periods, obtaining use right assets through the plurality of rents and periods according to a discount cash flow method, and obtaining monthly unconfirmed financing cost according to the lease payment amount and the use right assets; accuracy and reliability of data can be ensured, manual calculation errors are reduced, and efficiency and accuracy are improved.

Description

Technical Field

[0001] This invention relates to the field of data computing technology, specifically to a method and apparatus for calculating monthly unconfirmed financing costs. Background Technology

[0002] The background technology behind the financing amount relies on the development of Financial Technology (FinTech), encompassing big data risk control models, blockchain traceability, and intelligent valuation algorithms. The application of these technologies allows for precise matching of funding supply and demand in financing calculations, preventing insufficient financing from hindering development or excessive financing from increasing costs. These technologies are key tools for activating market vitality and promoting high-quality economic development.

[0003] However, unconfirmed financing amounts traditionally rely on manual review, which has many drawbacks. During manual review, staff have to deal with a large amount of paper materials and complicated data, which not only consumes a lot of time and energy and is extremely inefficient, but is also prone to errors due to personal negligence or subjective judgment, resulting in low data accuracy. Summary of the Invention

[0004] The purpose of this invention is to provide a method and related apparatus for calculating monthly unconfirmed financing costs, so as to overcome the problems existing in the prior art. This invention can accurately correspond to different rents and periods, ensure data accuracy and reliability, reduce manual calculation errors, and improve efficiency and accuracy.

[0005] To achieve the above objectives, the technical solution adopted by the present invention is as follows:

[0006] In a first aspect, the present invention provides a method for calculating monthly unconfirmed financing costs, comprising the following steps:

[0007] Configure parameters for several sets of rental rules, with each set of rental rules corresponding to a rent and a number of periods;

[0008] Calculate the corresponding rent and number of periods based on the parameters of several sets of leasing rules to obtain several rents and number of periods;

[0009] The lease payment amount is calculated based on several rents and periods;

[0010] The right-of-use asset is obtained through a number of rental periods and installments using the discounted cash flow method.

[0011] Financing costs are recognized at the end of the month based on lease payments and right-of-use assets;

[0012] Furthermore, the parameters for each set of rental rules include the time period (in years), the corresponding amount, the payment cycle, and the payment method;

[0013] Furthermore, the payment cycle is monthly;

[0014] Further, the formula for calculating the corresponding rent and period number according to the parameters of the plurality of sets of leasing rules respectively, to obtain a plurality of rent and period number, specifically includes:

[0015]

[0016] n=CT;

[0017] In the formula, m represents the rent; C represents the time period; y represents the corresponding amount; T represents the payment period; and n represents the period number.

[0018] Further, the formula for obtaining the leasing payment amount according to the plurality of rent and period number, specifically includes:

[0019] A=mn;

[0020] In the formula, A represents the leasing payment amount; m represents the rent; and n represents the period number.

[0021] Further, the formula for obtaining the use right asset according to the discounted cash flow method through the plurality of rent and period number, specifically includes:

[0022]

[0023] In the formula, B represents the use right asset; k represents the total number of rents; m represents the rent of the i-th stage; i represents the number of stages; r represents the discount rate; n represents the period number of the i-th stage; N-1 represents the total period number of the first i-1 stages; and N represents the total period number. i i i

[0024] Further, the formula for obtaining the monthly unconfirmed financing cost according to the leasing payment amount and the use right asset, specifically includes:

[0025]

[0026] In the formula, X represents the monthly unconfirmed financing cost; A represents the leasing payment amount; B represents the use right asset; r represents the discount rate; and T represents the payment period.

[0027] In a second aspect, the present application provides a monthly unconfirmed financing cost calculation system, comprising:

[0028] A parameter configuration module is configured to configure parameters of a plurality of sets of leasing rules respectively, and the parameters of each set of leasing rules correspond to a rent and period number.

[0029] A rent and period number calculation module is configured to calculate the corresponding rent and period number according to the parameters of the plurality of sets of leasing rules respectively, to obtain a plurality of rent and period number.

[0030] ​​​The lease payment amount calculation module is configured to obtain the lease payment amount according to the lease amount and the period number.

[0031] The use right asset calculation module is configured to obtain the use right asset according to the lease amount and the period number by using the discounted cash flow method.

[0032] The monthly unconfirmed financing cost is obtained according to the lease payment amount and the use right asset.

[0033] In a third aspect, the present application provides a computer device, comprising a memory, a processor, and a computer program stored in the memory and executable on the processor, wherein the processor implements the steps of the above method when executing the computer program.

[0034] In a fourth aspect, the present application provides a computer readable storage medium, which stores a computer program, wherein the computer program is executable on a processor to implement the steps of the above method.

[0035] The above technical solution has the following advantages or beneficial effects:

[0036] In a first aspect, the present application provides a method for calculating a monthly unconfirmed financing cost. Firstly, a plurality of sets of lease rule parameters are configured respectively, which can accurately correspond to different lease amounts and period numbers, and meet the needs of diversified leasing scenarios. Whether it is short-term leasing, long-term leasing or complex multi-period leasing, it can be flexibly adapted. Secondly, the lease amount and the period number are accurately calculated according to the parameters, and then the lease payment amount is obtained. The use right asset is obtained by using the discounted cash flow method. The calculation process is scientific and rigorous, and the data is accurate and reliable. Finally, the monthly unconfirmed financing cost is obtained based on the lease payment amount and the use right asset, which clearly reflects the financing cost in the leasing business, helps enterprises to reasonably plan funds, optimizes the financial structure, effectively improves the financial work efficiency, reduces the risk of errors, and helps enterprises to better manage leasing assets and liabilities.

[0037] Further, the setting of the time period can accurately define the lease time range, so that the cost calculation is consistent with the actual lease length. The corresponding amount clearly defines the cost standard of each stage, avoiding calculation errors caused by ambiguity. The refinement of the payment cycle and the payment method can adapt to the fund arrangement and business needs of different enterprises, whether it is monthly, quarterly or annual payment, or the use of cash, transfer, etc. It can be accurately included in the calculation. The above parameters work together to make the calculation of the monthly unconfirmed financing cost more in line with the actual business, improve the calculation accuracy, and provide reliable data support for enterprise financial decision-making.

[0038] Further, the monthly payment cycle is highly consistent with the daily financial accounting cycle, which can more timely and accurately reflect the leasing cost and financing situation of each period, helping enterprises to monitor the cash flow in time, reasonably plan the short-term capital arrangement, avoid the tight capital chain, and reduce the calculation complexity and error risk caused by large time span.

[0039] Further, the period of time, the corresponding amount and the payment cycle can be used to quickly calculate the rent, and the period number calculation is also clear at a glance, avoiding the tedious and error-prone manual calculation. Enterprises can quickly obtain the rent and period number according to the formula, and then accurately calculate the monthly unconfirmed financing cost, providing timely and reliable data support for financial decision-making, which helps enterprises to reasonably plan the funds.

[0040] Further, the lease payment amount is obtained according to a plurality of rents and period numbers, which is simple and easy to understand. The rent and the period number are directly multiplied to obtain the lease payment amount, which greatly reduces the complexity of calculation, and both financial personnel and relevant business personnel can quickly master and use it, reducing errors caused by complex calculation and improving the accuracy of the calculation result.

[0041] Further, the monthly unconfirmed financing cost is obtained according to the lease payment amount and the right-to-use asset, which comprehensively considers the time value of rent in different stages. By introducing the discount rate, the future rent of each period is converted to the current time point, so that the calculation result is more in line with the actual economic value, providing a reliable basis for the enterprise to accurately assess the value of the lease asset. The above formula structure is clear, which can clearly present the influence of each parameter on the right-to-use asset, facilitating the understanding and operation of financial personnel, and improving the calculation efficiency and accuracy.

[0042] In the second aspect, the present application provides a system for calculating the monthly unconfirmed financing cost. In the parameter configuration, the parameter configuration module can flexibly adapt to different leasing scenarios, accurately configure a plurality of sets of leasing rule parameters, ensure the accurate correspondence of rent and period number, meet complex and diverse leasing needs, and improve the system versatility. The rent and period number calculation module quickly calculates according to the configured parameters, reduces the manual calculation error, and improves the efficiency and accuracy. The lease payment amount calculation module quickly obtains the accurate result on this basis, providing support for enterprises to timely grasp the leasing cost. The right-to-use asset calculation module uses the discounted cash flow method to scientifically consider the time value of rent, making the calculation result more in line with the actual economic value, helping enterprises to reasonably assess the lease asset. Finally, the monthly unconfirmed financing cost calculation module comprehensively considers the lease payment amount and the right-to-use asset, accurately calculates the monthly cost, and enables enterprises to clearly understand the financing cost and optimize the capital arrangement.

[0043] In a third aspect, the present application provides a computer device which can efficiently implement the steps of the method of the present application by executing a specific computer program via a processor. The computer device can accurately perform numerical calculation and logical judgment when performing data processing tasks, thus avoiding errors caused by human factors. Meanwhile, since the computer program has high stability and reliability, the accuracy and consistency of the data processing results can be ensured.

[0044] In a fourth aspect, the present application provides a computer readable storage medium which can easily load the programs into any compatible computer device and execute them without the need of rewriting or converting codes by programming the steps of the method of the present application into a computer program and storing the program on the computer readable storage medium, thus greatly improving the convenience and flexibility of program execution. BRIEF DESCRIPTION OF DRAWINGS

[0045] Figure 1 A flowchart of the method for calculating the financing cost of a month not confirmed according to the present application;

[0046] Figure 2 A structural diagram of the computer device according to the present application. DETAILED DESCRIPTION

[0047] The present application will be further described below in conjunction with specific embodiments, which are intended to explain but not limit the present application.

[0048] In order to enable those skilled in the art to better understand the present application, the technical solutions in the embodiments of the present application will be described clearly and completely below with reference to the drawings in the embodiments of the present application. Obviously, the described embodiments are only a part of the embodiments of the present application, rather than all the embodiments. Based on the embodiments in the present application, all other embodiments obtained by those skilled in the art without creative efforts should fall within the scope of the present application.

[0049] It should be noted that the terms "first", "second", and the like in the description and claims of the present application and the above drawings are used to distinguish similar objects, and do not necessarily indicate a specific order or a chronological sequence. It should be understood that the data thus used can be interchanged under appropriate circumstances, so that the embodiments of the present application described herein can be implemented in an order other than that illustrated or described herein. In addition, the terms "include" and "have" and any variations thereof are intended to cover non-exclusive inclusion, for example, a process, method, system, product or device including a series of steps or units does not necessarily limit to those steps or units clearly listed, but can include other steps or units not clearly listed or inherent to the process, method, product or device.

[0050] Embodiment:

[0051] The present application is applicable to Python, R language, MATLAB, and can also be applicable to special financial modeling platforms, such as Anaplan, Adaptive Insights, configurable lease rule parameters and automatic calculation process.

[0052] Referring to Figure 1 The present application provides a method for calculating monthly unconfirmed financing costs, comprising the following steps:

[0053] Step one, respectively configure a plurality of sets of lease rule parameters, each set of lease rule parameters corresponds to a rent m and a period n; by respectively configuring a plurality of sets of lease rule parameters, different rents and periods can be accurately corresponded to, meeting the needs of diversified leasing scenarios, whether it is short-term leasing, long-term leasing or complex multi-period leasing, it can be flexibly adapted;

[0054] Specifically, each set of lease rule parameters includes time period C, corresponding amount y, payment cycle T and payment method; the setting of time period C can accurately define the lease time range, so that the cost calculation fits the actual lease length, the corresponding amount y clearly defines the cost standard of each stage, avoiding calculation errors caused by ambiguity; the refinement of payment cycle and payment method can adapt to the financial arrangement and business needs of different enterprises, whether it is monthly, quarterly or annual payment, or the use of cash, transfer, etc., it can be accurately included in the calculation; the above parameters work together to make the calculation of monthly unconfirmed financing costs more in line with actual business, improve the calculation accuracy, and provide reliable data support for enterprise financial decision-making;

[0055] Preferably, the payment cycle is monthly, and the monthly cycle setting is highly consistent with the daily financial accounting cycle, which can more timely and accurately reflect the leasing cost and financing of each period, helping enterprises to timely monitor the capital flow, reasonably plan the short-term capital arrangement, avoid the tension of the capital chain, and also reduce the calculation complexity and error risk caused by large time span;

[0056] Step two, respectively calculate the corresponding rent m and period n according to a plurality of sets of lease rule parameters, obtain a plurality of rents m and periods n, and the formula specifically includes:

[0057]

[0058] n=CT;

[0059] In the formula, m represents the rent; C represents the time period; y represents the corresponding amount; T represents the payment period; n represents the number of periods; the rent can be quickly calculated using the time period, the corresponding amount and the payment period, and the number of periods is also clear at a glance, avoiding the tediousness and error-prone of manual calculation; enterprises can quickly obtain the rent and the number of periods according to the formula, and then accurately calculate the monthly unconfirmed financing cost, providing timely and reliable data support for financial decision-making, which helps enterprises to reasonably plan funds;

[0060] Step three, according to a number of rents m and the number of periods n, the lease payment amount A is obtained, the rent and the number of periods are accurately calculated according to the parameters, and then the lease payment amount is obtained, and the right of use asset is obtained by using the discounted cash flow method, the calculation process is scientific and rigorous, ensuring that the data is accurate and reliable, and the formula specifically includes:

[0061] A=mn;

[0062] In the formula, A represents the lease payment amount; m represents the rent; n represents the number of periods; the form is simple and easy to understand, and the lease payment amount is obtained by directly multiplying the rent and the number of periods, which greatly reduces the complexity of calculation, whether it is a financial personnel or a related business personnel can quickly master and use, reduces the errors caused by complex calculation, and improves the accuracy of the calculation result;

[0063] Step four, according to the discounted cash flow method, the right of use asset B is obtained through a number of rents m and the number of periods n, and the formula specifically includes:

[0064]

[0065] In the formula, B represents the right of use asset; k represents the total number of rents; m i represents the rent of the i-th stage; i represents the number of stages; r represents the discount rate; n i represents the number of periods of the i-th stage; N i -1 represents the total number of periods of the first i-1 stages; N represents the total number of periods;

[0066] Step five, according to the lease payment amount and the right of use asset, the monthly unconfirmed financing cost X is obtained, which clearly reflects the financing cost in the lease business, helps enterprises to reasonably plan funds, optimizes the financial structure, and also effectively improves the financial work efficiency, reduces the risk of errors, and helps enterprises to better manage lease assets and liabilities, and the formula specifically includes:

[0067]

[0068] Wherein, X represents the unconfirmed financing cost; A represents the lease payment amount; B represents the use right asset; r represents the discount rate; T represents the payment cycle; the time value of the lease in different stages is comprehensively considered, the future lease in each period is converted to the current time point by introducing the discount rate, the calculation result is more close to the actual economic value, a reliable basis is provided for the enterprise to accurately evaluate the lease asset value; the above formula structure is clear, the influence of each parameter on the use right asset can be clearly presented, the financial personnel is convenient to understand and operate, and the calculation efficiency and accuracy are improved.

[0069] In one embodiment of the present application, a calculation method of unconfirmed financing cost is provided, comprising:

[0070] Step one, respectively configure a plurality of groups of lease rule parameters, each group of lease rule parameters corresponds to a lease and a period;

[0071] Specifically, the enterprise adopts a two-stage lease mode, and the following configurations are configured: service life 1 (C1): 2 years (24 months), service life 1 corresponding amount (y1): 10,000 yuan / year, service life 2 (C2): 3 years (36 months), service life 2 corresponding amount (y2): 8,000 yuan / year, payment cycle (T): monthly payment (T=1), discount rate (r): 0.5%;

[0072] Step two, respectively calculate the corresponding lease m and period n according to a plurality of groups of lease rule parameters, obtain a plurality of leases m and periods n, and the formula specifically comprises:

[0073] n1=C1T=24;

[0074] n2=C2T=36;

[0075]

[0076] Step three, obtain the lease payment amount A according to a plurality of leases m and periods n, and the formula specifically comprises:

[0077] A=m1n 1+ m2n2=240000×24+288000×36=16128000 yuan;

[0078] Wherein, A represents the lease payment amount; m1 represents the lease; n1 represents the period;

[0079] Step four, obtain the use right asset B according to a plurality of leases m and periods n by the discounted cash flow method, and the formula specifically comprises:

[0080]

[0081] Wherein, B represents the use right asset; k represents the total number of leases; m irepresents the rent of the i-th stage; i represents the number of stages; r represents the discount rate; n i represents the number of periods of the i-th stage; N i -1 represents the total number of periods of the first i-1 stages; N represents the total number of periods;

[0082] In step five, the monthly unconfirmed financing cost X is obtained according to the lease payment amount and the use right asset, and the formula specifically includes:

[0083]

[0084] In the formula, X represents the monthly unconfirmed financing cost; A represents the lease payment amount; B represents the use right asset; r represents the discount rate; and T represents the payment period.

[0085] In an embodiment of the present application, a system for calculating a monthly unconfirmed financing cost is provided, which comprises: a parameter configuration module configured to configure parameters of a plurality of sets of lease rules respectively, wherein the parameters of each set of lease rules correspond to a rent and a period number;

[0086] a rent and period number calculation module configured to calculate the rent and the period number according to the parameters of the plurality of sets of lease rules respectively, so as to obtain a plurality of rents and period numbers;

[0087] a lease payment amount calculation module configured to obtain a lease payment amount according to the plurality of rents and period numbers;

[0088] a use right asset calculation module configured to obtain a use right asset according to the plurality of rents and period numbers by using the discounted cash flow method;

[0089] a monthly unconfirmed financing cost, which is obtained according to the lease payment amount and the use right asset.

[0090] The system for calculating a monthly unconfirmed financing cost provided by the present application has the following advantages: in the parameter configuration, the parameter configuration module can flexibly adapt to different lease scenarios, accurately configure a plurality of sets of lease rule parameters, ensure the accuracy of the correspondence between the rent and the period number, meet complex and diverse lease requirements, and improve the universality of the system; the rent and period number calculation module quickly calculates according to the configured parameters, reduces manual calculation errors, and improves efficiency and accuracy; the lease payment amount calculation module quickly obtains accurate results on this basis, provides support for enterprises to timely grasp the lease cost; the use right asset calculation module uses the discounted cash flow method, scientifically considers the time value of the rent, makes the calculation results more in line with the actual economic value, and helps enterprises to reasonably evaluate the lease asset; finally, the monthly unconfirmed financing cost calculation module comprehensively considers the lease payment amount and the use right asset, accurately calculates the monthly cost, enables enterprises to clearly understand the financing cost, and optimizes the arrangement of funds.

[0091] Reference Figure 2In an embodiment of the present application, a computer device is provided, which comprises a processor and a memory for storing a computer program, the computer program comprising program instructions, and the processor is configured to execute the program instructions stored in the computer storage medium; the processor can be a central processing unit (CPU), and can also be other general-purpose processors, digital signal processors (DSP), application specific integrated circuits (ASIC), field-programmable gate arrays (FPGA) or other programmable logic devices, discrete gate or transistor logic devices, discrete hardware components, etc., which are the computing core and control core of the terminal, and are suitable for implementing one or more instructions, and are specifically suitable for loading and executing one or more instructions in the computer storage medium to implement a corresponding method flow or a corresponding function; the processor in the embodiment of the present application can be used for the operation of the method for calculating the financing cost not confirmed in the month.

[0092] In an embodiment of the present application, a computer readable storage medium is provided, specifically a computer readable storage medium (Memory), which is a memory device in a computer device, and is used for storing programs and data. It can be understood that the computer readable storage medium herein can include an internal storage medium in the computer device, and of course can also include an extended storage medium supported by the computer device; the computer readable storage medium provides a storage space, and the storage space stores an operating system of the terminal; and in the storage space, one or more instructions suitable for being loaded and executed by the processor are also stored, and the instructions can be one or more computer programs (including program codes). It should be noted that the computer readable storage medium herein can be a high-speed RAM memory, or a non-volatile memory such as at least one disk memory; one or more instructions stored in the computer readable storage medium can be loaded and executed by the processor to implement the corresponding steps of the method for calculating the financing cost not confirmed in the month in the embodiment.

[0093] Those skilled in the art will appreciate that embodiments of the application can be readily used as software, hardware, or a combination of software and hardware. In one

[0094] The present application is described in reference to the flowchart and / or block diagrams of the method, apparatus (system) and computer program product according to embodiments of the application, it should be understood that each flow and / or block in the flowchart and / or block diagrams, and a combination of flows and / or blocks in the flowchart and / or block diagrams can be implemented by computer program instructions. These computer program instructions can be provided to a processor of a general-purpose computer, a special-purpose computer, an embedded processor, or other programmable data processing apparatus to produce a machine, so that the instructions executed by the processor of the computer or other programmable data processing apparatus generate a means for implementing the functions specified in the flowchart and / or block diagrams. Figure 1 one or more flows and / or blocks Figure 1 means for carrying out the functions specified in the flowchart and / or block diagram.

[0095] These computer program instructions can also be stored in a computer-readable memory that can direct the computer or other programmable data processing apparatus to work in a specific manner, so that the instructions stored in the computer-readable memory produce a product including instruction means, which implements the functions specified in the flowchart and / or block diagrams. Figure 1 one or more flows and / or blocks Figure 1 means for carrying out the functions specified in the flowchart and / or block diagram.

[0096] These computer program instructions can also be loaded into a computer or other programmable data processing apparatus, so that a series of operation steps are performed on the computer or other programmable data processing apparatus to produce a computer-implemented process, so that the instructions executed on the computer or other programmable data processing apparatus provide a means for implementing the functions specified in the flowchart and / or block diagrams. Figure 1 one or more flows and / or blocks Figure 1 means for carrying out the functions specified in the flowchart and / or block diagram.

[0097] Finally, it should be noted that the above embodiments are only used to illustrate the technical solutions of the present application, and are not limited thereto; although the present application has been described in detail with reference to the foregoing embodiments, those skilled in the art should understand that the technical solutions recorded in the foregoing embodiments can be modified, or some or all of the technical features can be replaced by equivalents; and these modifications or replacements do not make the essence of the corresponding technical solutions deviate from the scope of the technical solutions of the embodiments of the present application.

Claims

1. A method for calculating monthly unconfirmed financing costs, characterized in that, Includes the following steps: Configure parameters for several sets of rental rules, with each set of rental rules corresponding to a rent and a number of periods; Calculate the corresponding rent and number of periods based on the parameters of several sets of leasing rules to obtain several rents and number of periods; The lease payment amount is calculated based on several rents and periods; The right-of-use asset is obtained through a number of rental periods and terms using the discounted cash flow method; Unrecognized financing costs are calculated based on lease payments and right-of-use assets.

2. The method for calculating monthly unconfirmed financing costs according to claim 1, characterized in that, The parameters for each set of rental rules include the time period (in years), the corresponding amount, the payment cycle, and the payment method.

3. The method for calculating monthly unconfirmed financing costs according to claim 2, characterized in that, The payment cycle is monthly.

4. The method for calculating monthly unconfirmed financing costs according to claim 2, characterized in that, The process involves calculating the corresponding rent and number of periods based on parameters from several sets of leasing rules, resulting in several rent and number of periods. The specific formulas include: n = CT; In the formula, m represents the rent; C represents the period in years; y represents the corresponding amount; T represents the payment cycle; and n represents the number of periods.

5. The method for calculating monthly unconfirmed financing costs according to claim 1, characterized in that, The formula for calculating the lease payment amount based on several rents and periods specifically includes: A = mn; In the formula, A represents the lease payment amount; m represents the rent; and n represents the number of periods.

6. The method for calculating monthly unconfirmed financing costs according to claim 1, characterized in that, The formula for obtaining the right-of-use asset through several rental periods using the discounted cash flow method includes: In the formula, B represents the right-of-use asset; k represents the total rent; m i Let n represent the rent for stage i; i represents the number of stages; r represents the discount rate; n i N represents the period number of the i-th stage; i -1 represents the total number of periods in the first i-1 stages; N represents the total number of periods.

7. The method for calculating monthly unconfirmed financing costs according to claim 1, characterized in that, The formula for calculating the unrecognized financing costs based on lease payments and right-of-use assets includes: In the formula, X represents the unrecognized financing cost for the month; A represents the lease payment amount; B represents the right-of-use asset; r represents the discount rate; and T represents the payment period.

8. A system for calculating monthly unconfirmed financing costs, characterized in that, A method for calculating monthly unrecognized financing costs according to any one of claims 1-7 includes: The parameter configuration module is used to configure the parameters of several sets of rental rules. The parameters of each set of rental rules correspond to a rent and a number of periods. The rent and term calculation module is used to calculate the corresponding rent and term based on the parameters of several sets of leasing rules, and obtain several rents and terms. The lease payment calculation module is used to calculate the lease payment amount based on several rents and periods. The right-of-use asset calculation module is used to obtain right-of-use assets based on the discounted cash flow method through several rents and periods. Unrecognized finance costs are used to obtain unrecognized finance costs based on lease payments and right-of-use assets.

9. A computer device comprising a memory, a processor, and a computer program stored in the memory and executable on the processor, characterized in that, When the processor executes the computer program, it implements the steps of the method as described in any one of claims 1-7.

10. A computer-readable storage medium storing a computer program, characterized in that, When the computer program is executed by a processor, it implements the steps of the method as described in any one of claims 1-7.

Images