Asset data processing method and system, electronic equipment and storage medium

Abstract

The invention discloses an asset data processing method and system, electronic equipment and a storage medium, and the method comprises the steps: processing the data of each transaction, extracting the core elements of each transaction, and storing the core elements in a first-layer transaction detail table; wherein the dynamic account amount in the core elements identifies the standard fund flow direction through the flow direction of the dynamic account amount; main files of all accounts are traversed, information of all the value reduction and verification accounts is processed, key information of the value reduction and verification accounts is extracted, and the key information is stored in a second-layer value reduction and verification registration form; counting the balance and the occurrence amount of each current value reduction verification account, and storing the balance and the occurrence amount in the second-layer value reduction verification registration form; and based on the information in the second-layer value reduction verification registration form, counting the balance of each current dimension according to the accounting line and subject number dimension groups, obtaining multi-dimensional amount data of each group, and storing the multi-dimensional amount data in a third-layer value reduction verification balance and occurrence amount registration form.

Description

TECHNICAL FIELD

[0001] The present application relates to the technical field of data processing, and particularly relates to an asset data processing method and system, an electronic device and a storage medium. BACKGROUND

[0002] The write-off status account in the bank is a credit card non-performing loan of a commercial bank that meets the loss recognition standard and cannot be recovered. The bank system terminates the in-table confirmation through accounting operation, and is transferred to out-of-table management, which needs to be specifically processed in accounting and risk management, that is, special accounting and business processing is needed for such accounts to support the subsequent measurement operation of the accounting and management system.

[0003] The current bank system developed is usually integrated with accounting and processing, that is, in each account transaction, the accounting entries, business operations such as in-table and out-of-table account processing, and accounting operations are determined according to the account type and the account transaction type.

[0004] However, the current transaction scenario is complex, so integrating the account processing and accounting processing in the transaction process will make the system more complex, thus being not convenient for system development and rapid updating and iteration. Moreover, it will also cause the problem of low processing efficiency. SUMMARY

[0005] Based on the deficiencies of the prior art, the present application provides an asset data processing method and system, an electronic device and a storage medium to solve the problem of low processing efficiency and convenient system development and updating.

[0006] In order to achieve the above purpose, the present application provides the following technical scheme:

[0007] The first aspect of the present application provides an asset data processing method, comprising:

[0008] Processing the data of each transaction, extracting the core elements of each transaction, and storing them in a first layer transaction detail table; wherein the account amount in the core elements is identified by the standard fund flow direction of its flow direction;

[0009] Traversing the main files of all accounts, processing the information of each write-off account, and extracting the key information of the write-off account and storing it in a second layer write-off registration table;

[0010] Statistical balance and occurrence of each write-off account are stored in the second layer write-off registration table; wherein the balance of the write-off account includes the summary balance and the state transfer balance; the state transfer balance includes the in-table to out-of-table balance or the out-of-table to in-table balance; the occurrence includes the account level debit occurrence and the credit occurrence;

[0011] Based on the information in the second-level impairment write-off registration table, the balances of each dimension are statistically analyzed according to the accounting line and account number dimensions to obtain multi-dimensional amount data for each group and store it in the third-level impairment write-off balance and occurrence registration table; wherein, the multi-dimensional amount data for each group includes the balance of the current period, the balance transferred from on-balance sheet to off-balance sheet, the balance transferred from off-balance sheet to on-balance sheet, the debit occurrence amount, and the credit occurrence amount.

[0012] Optionally, in the above asset data processing method, after the step of statistically analyzing the balances of each dimension based on the information in the second-level impairment write-off registration table, grouping them according to the accounting line and account number dimensions, obtaining multi-dimensional amount data for each group, and storing it in the third-level impairment write-off balance and occurrence registration table, the method further includes:

[0013] Based on the data in the third-level impairment write-off balance and occurrence registration table, the summary balance for the current period is verified through reconciliation.

[0014] Optionally, in the above asset data processing method, the step of processing the data of each transaction, extracting the core elements of each transaction, and storing them in the first-level transaction details table includes:

[0015] Perform in-depth cleaning and structural enhancement on the data for each transaction;

[0016] After extracting the core elements of each transaction and generating the flow identifier of the transaction amount in the core elements, the core elements of each transaction are stored in the first-level transaction details table; wherein, the core elements of the transaction include at least account number, transaction date, transaction amount, account status, account type and transaction type.

[0017] Optionally, in the above asset data processing method, the step of traversing the master files of all accounts, processing the information of each impairment write-off account, and extracting the key information of the impairment write-off account and storing it in the second-level impairment write-off registration table includes:

[0018] Traverse the master files of all accounts, process the information of the impairment write-off accounts obtained through the traversal in a structured group, and extract the key information of the impairment write-off accounts and store it in the second-level impairment write-off registration table; wherein, the key information of the impairment write-off accounts includes account number, accounting line, account status in the current period, account status in the previous period, balance of each account in the current period, and balance of each account in the previous period.

[0019] Optionally, in the above asset data processing method, the step of statistically analyzing the current balance and transaction amount of each of the impairment write-off accounts includes:

[0020] For each impairment write-off account, based on the information in the second-level impairment write-off registration table, calculate the summary balance of the impairment write-off account for the current period, and store it in the second-level impairment write-off registration table in a chain with the information of the previous period;

[0021] The transaction amounts of the same flow direction identifier of the impairment write-off accounts mentioned in the first-level transaction details table are summarized to obtain the debit and credit amounts at the account level;

[0022] Based on the current period's status and the previous period's status of the impairment write-off account, determine whether the status of the impairment write-off account has changed.

[0023] If the status of the impairment write-off account changes, the balance transferred from on-balance sheet to off-balance sheet or from off-balance sheet to on-balance sheet is calculated according to the direction of the status transfer.

[0024] Optionally, in the above asset data processing method, the step of calculating the balance transferred from on-balance sheet to off-balance sheet or from off-balance sheet to on-balance sheet based on the state transition direction includes:

[0025] Summarize the balances of each account in the current period to obtain the current account summary balance;

[0026] If the status of the impairment write-off account changes from the normal status of the previous period to the impairment write-off status, then the current account summary balance is determined as the balance transferred from on-balance sheet to off-balance sheet.

[0027] If the status of the impairment write-off account changes from the impairment write-off status of the previous period to the normal status, then the current account summary balance is determined as the off-balance sheet to on-balance sheet balance.

[0028] A second aspect of this application provides an asset data processing system, comprising:

[0029] The detailed processing unit is used to process the data of each transaction, extract the core elements of each transaction, and store them in the first-level transaction detail table; wherein, the transaction amount in the core elements is identified by its flow direction as the standard fund flow;

[0030] The account-level processing unit is used to traverse the master files of all accounts, process the information of each impairment write-off account, extract the key information of the impairment write-off account, and store it in the second-level impairment write-off registration table.

[0031] The information statistics unit is used to count the current balance and transaction amount of each of the aforementioned impairment write-off accounts and store them in the second-level impairment write-off registration table; wherein, the balance of the impairment write-off account includes the summary balance and the status transition balance; the status transition balance includes the balance transferred from on-balance sheet to off-balance sheet or the balance transferred from off-balance sheet to on-balance sheet; the transaction amount includes the account-level debit transaction amount and credit transaction amount;

[0032] The grouping processing unit is used to statistically analyze the current balance of each dimension based on the information in the second-level impairment write-off registration table, according to the accounting line and account number dimensions, to obtain the multi-dimensional amount data of each group and store it in the third-level impairment write-off balance and occurrence registration table; wherein, the multi-dimensional amount data of each group includes the balance of the current period, the balance transferred from on-balance sheet to off-balance sheet, the balance transferred from off-balance sheet to on-balance sheet, the debit occurrence amount, and the credit occurrence amount.

[0033] Optionally, the asset data processing system described above also includes:

[0034] The verification unit is used to verify the summary balance of the current period based on the data in the third-level impairment write-off balance and occurrence registration table, through reconciliation relationships.

[0035] Optionally, in the above-described asset data processing system, the detail processing unit includes:

[0036] Standardized processing units are used to perform deep cleaning and structural enhancement on the data of each transaction;

[0037] The transaction information extraction unit is used to extract the core elements of each transaction, generate the flow identifier of the transaction amount in the core elements, and store the core elements of each transaction in the first-level transaction details table; wherein, the core elements of the transaction include at least account number, transaction date, transaction amount, account status, account type and transaction type.

[0038] Optionally, in the above-described asset data processing system, the account-level processing unit includes:

[0039] The account information processing unit is used to traverse the master files of all accounts, process the information of the impairment write-off accounts obtained through traversal in a structured group, and extract the key information of the impairment write-off accounts and store it in the second-level impairment write-off registration table; wherein, the key information of the impairment write-off accounts includes account number, accounting line, account status in the current period, account status in the previous period, balance of each account in the current period, and balance of each account in the previous period.

[0040] Optionally, in the above-mentioned asset data processing system, the information statistics unit includes:

[0041] The balance statistics unit is used to calculate the summary balance of each impairment write-off account for the current period based on the information in the second-level impairment write-off registration table, and store it in the second-level impairment write-off registration table in a chain with the information of the previous period.

[0042] The transaction amount statistics unit is used to summarize the transaction amounts of the same flow direction identifier of the impairment write-off account mentioned in the first-level transaction details table to obtain the account-level debit and credit transaction amounts;

[0043] The status determination unit is used to determine whether the status of the impairment write-off account has changed based on the status of the current period and the status of the previous period.

[0044] The transfer balance statistics unit is used to calculate the balance transferred from on-balance sheet to off-balance sheet or from off-balance sheet to on-balance sheet when the status of the impairment write-off account is transferred, based on the direction of the status transfer.

[0045] Optionally, in the aforementioned asset data processing system, the transfer balance statistics unit includes:

[0046] The account balance summary unit is used to summarize the account balances for the current period to obtain the current account summary balance.

[0047] The first determining unit is used to determine the current account summary balance as an on-balance sheet to off-balance sheet balance when the status of the impairment write-off account changes from the normal status of the previous period to the impairment write-off status.

[0048] The second determining unit is used to determine the current account summary balance as the off-balance sheet to on-balance sheet balance when the status of the impairment write-off account changes from the impairment write-off status of the previous period to the normal status.

[0049] A third aspect of this application provides an electronic device, comprising:

[0050] Memory and processor;

[0051] The memory is used to store programs;

[0052] The processor is used to execute the program, which, when executed, is specifically used to implement the asset data processing method as described in any of the above.

[0053] The fourth aspect of this application provides a computer storage medium for storing a computer program, which, when executed by a processor, is used to implement the asset data processing method as described in any of the preceding claims.

[0054] This application provides an asset data processing method. First, the data for each transaction is processed to extract the core elements of each transaction, which are then stored in a first-level transaction details table. The transaction amount within the core elements is identified by its flow direction as the standard fund flow. Next, the master records of all accounts are traversed, and the information of each impairment write-off account is processed to extract key information, which is then stored in a second-level impairment write-off registration table. Then, the current balance and transaction amount of each impairment write-off account are calculated and stored in the second-level impairment write-off registration table. The balance of each impairment write-off account includes the summary balance and the status transition balance. The status transition balance includes balances transferred from on-balance sheet to off-balance sheet or vice versa. Transaction amounts include account-level debit and credit transactions. Finally, based on the information in the second-level impairment write-off registration table, the current balances in each dimension are statistically analyzed by accounting line and account number, resulting in multi-dimensional amount data for each group, which is then stored in a third-level impairment write-off balance and transaction amount registration table. The multi-dimensional monetary data for each group includes the current period's balance, on-balance sheet to off-balance sheet balance, off-balance sheet to on-balance sheet balance, debit entries, and credit entries. This allows for the batch extraction of impairment write-off details, account-level summaries, and departmental-level summaries. This bottom-up, multi-level summarization accurately reflects the status and changes in accounts subject to impairment write-offs. It completes the accounting processing for accounts with impairment and write-off status at the accounting level, minimizing the impact of business transactions on accounting and decoupling it from business transactions. This facilitates system development and rapid updates, while reducing accounting processing costs and improving efficiency. Attached Figure Description

[0055] To more clearly illustrate the technical solutions in the embodiments of this application or the prior art, the drawings used in the description of the embodiments or the prior art will be briefly introduced below. Obviously, the drawings described below are only embodiments of this application. For those skilled in the art, other drawings can be obtained based on the provided drawings without creative effort.

[0056] Figure 1 A flowchart illustrating an asset data processing method provided in this application embodiment;

[0057] Figure 2 A flowchart illustrating a method for processing transaction details, as provided in another embodiment of this application;

[0058] Figure 3 A flowchart illustrating a method for statistical analysis of account-level data, as provided in another embodiment of this application;

[0059] Figure 4 A flowchart illustrating a method for calculating on-balance sheet and off-balance sheet balance transfers is provided as another embodiment of this application;

[0060] Figure 5 This application provides an architectural diagram of an asset data processing system.

[0061] Figure 6 This is a schematic diagram of the architecture of an electronic device provided in an embodiment of this application. Detailed Implementation

[0062] The technical solutions of the embodiments of this application will be clearly and completely described below with reference to the accompanying drawings. Obviously, the described embodiments are only some embodiments of this application, and not all embodiments. Based on the embodiments of this application, all other embodiments obtained by those skilled in the art without creative effort are within the scope of protection of this application.

[0063] In this application, relational terms such as "first" and "second" are used merely to distinguish one entity or operation from another, and do not necessarily require or imply any such actual relationship or order between these entities or operations. Furthermore, the terms "comprising," "including," or any other variations thereof are intended to cover non-exclusive inclusion, such that a process, method, article, or apparatus that comprises a list of elements includes not only those elements but also other elements not expressly listed, or elements inherent to such a process, method, article, or apparatus. Without further limitation, an element defined by the phrase "comprising one..." does not exclude the presence of other identical elements in the process, method, article, or apparatus that includes said element.

[0064] This application provides an asset data processing method, such as... Figure 1 As shown, it includes:

[0065] S101. Process the data of each transaction, extract the core elements of each transaction, and store them in the first-level transaction details table.

[0066] Among them, the transaction amount, a core element, is used to identify the standard flow of funds through its flow direction.

[0067] To facilitate accounting operations for impairment write-off accounts, this embodiment of the application performs transaction-level detail processing. Since different transactions have different data structures and contain a large amount of information, it is necessary to first standardize the data of each transaction in the impairment write-off account to ensure data standardization before subsequent processing and use. Furthermore, the required core elements are extracted from the processed transaction data and then stored in the first-level transaction detail table.

[0068] Optionally, in another embodiment of this application, one specific implementation of step S101 is as follows: Figure 2 As shown, it includes:

[0069] S201. Perform deep cleaning and structural enhancement on the data of each transaction.

[0070] Specifically, the standardized preprocessing of impairment write-off accounts in this embodiment mainly involves deep cleaning and structure enhancement of each transaction's data. Of course, other processing methods can also be used further.

[0071] S203. Extract the core elements of each transaction, generate the flow identifier of the transaction amount in the core elements, and store the core elements of each transaction in the first-level transaction details table.

[0072] The core elements of a transaction include at least the account number, transaction date, transaction amount, account status, account type, and transaction type. Other elements may also be included as needed.

[0073] Since transactions may involve account repayments or further loans, and different scenarios require different handling, it is necessary to categorize transaction scenarios. To distinguish between different transaction scenarios and facilitate subsequent statistical analysis, this embodiment introduces a sign function δ=±|Transaction Amount| to identify the flow direction of transaction amounts, i.e., the amount changing accounts. Positive values ​​represent asset increases (debit transactions, such as loans or interest payments), while negative values ​​correspond to asset decreases (credit transactions, such as repayments).

[0074] S102. Traverse the master files of all accounts, process the information of each impairment write-off account, extract the key information of the impairment write-off account, and store it in the second-level impairment write-off registration table.

[0075] Impairment write-off accounts are those that have been deemed impaired or written off by the bank. Impairment refers to a situation where the cardholder's repayment ability has severely deteriorated, and the debt may not be fully recoverable. For example, the cardholder may be in long-term arrears, unreachable, or declare bankruptcy. The bank will make impairment provisions for this portion of the debt based on historical data and risk assessment model requirements (setting aside funds to cover potential losses). Write-off occurs when the bank confirms that a credit card debt is unrecoverable (e.g., exceeding a certain overdue period, usually more than 180 days), and removes the debt from the balance sheet, recording it as a loss.

[0076] Specifically, the system iterates through the master files of all accounts. When it reaches an impairment write-off account, it processes the messages in the master file of that account to perform account-level amount processing. Specifically, it performs structuring and other processing on the information of the impairment write-off account, extracts key information about the impairment write-off account from the processed data, and stores it in the second-level impairment write-off registration table.

[0077] Optionally, in another embodiment of this application, one specific implementation of step S102 includes:

[0078] Iterate through the master files of all accounts, process the information of the impairment write-off accounts in a structured group, extract the key information of the impairment write-off accounts, and store it in the second-level impairment write-off registration table.

[0079] The key information for impairment write-off accounts includes account number, accounting line, account status for the current period, account status for the previous period, balance of each account for the current period, and balance of each account for the previous period.

[0080] Optionally, the period is usually calculated on a daily basis, so the account status of the current period, the account status of the previous period, the balance of each subject in the current period, and the balance of each subject in the previous period are specifically: account status on day T, account status on day T-1, balance of each subject on day T, and balance of each subject on day T-1, respectively.

[0081] S103. Calculate the current balance and transaction amount of each impairment write-off account and store it in the second-level impairment write-off registration form.

[0082] Since the previous step only extracted information from the master file of the impairment write-off account, in order to reflect the status and transaction status of the impairment write-off account, this embodiment of the application also summarizes the balance and transaction amount of the selected impairment write-off account and stores it in the second-level impairment write-off registration table.

[0083] The balance of the impairment write-off account includes the summary balance and the status transition balance. The status transition balance includes the transfer of balances from on-balance sheet to off-balance sheet or from off-balance sheet to on-balance sheet. The transaction amount includes the account-level debit and credit transactions. A status transition is a change in status that requires the corresponding transfer of on-balance sheet balances to off-balance sheet balances, or vice versa.

[0084] Alternatively, in another embodiment of this application, step S103 may be implemented in a manner such as... Figure 3 As shown, it includes:

[0085] S301. For each impairment write-off account, based on the information in the second-level impairment write-off registration form, calculate the summary balance of the impairment write-off account for the current period, and store it in the second-level impairment write-off registration form in a chain with the information of the previous period.

[0086] Specifically, for each impairment write-off account, the balances of each impairment write-off account are accumulated to obtain the balance for the current period. Then, the balance of the current period and the balance of the previous period are stored together in a chain in the second-level impairment write-off registration table, thereby enabling the traceability of account information in the previous period and providing a basis for subsequent closed-loop statistics.

[0087] S302. Summarize the transaction amounts of the same flow identifier for the impairment write-off accounts in the first-level transaction details table to obtain the account-level debit and credit amounts.

[0088] Specifically, the amounts of each transaction marked with a positive flow indicator are summed to obtain the account-level debit amount, which is: α = δ1 + δ2 + ... + δn (δ > 0). Similarly, the amounts of each transaction marked with a negative flow indicator are summed to obtain the account-level credit amount, which is: β = δ1 + δ2 + ... + δm (δ < 0).

[0089] S303. Based on the current period's status and the previous period's status of the impairment write-off account, determine whether the status of the impairment write-off account has changed.

[0090] Specifically, if the status of the impairment write-off account in the current period is the same as that in the previous period, it means that the status of the impairment write-off account has not changed. If the status of the impairment write-off account in the current period is different from that in the previous period, it means that the status of the impairment write-off account has changed, so step S304 is executed at this time.

[0091] S304. Calculate the balance transferred from in-balance sheet to off-balance sheet or from off-balance sheet to in-balance sheet based on the state transition direction.

[0092] Optionally, in another embodiment of this application, one specific implementation of step S304 is as follows: Figure 4 As shown, it includes:

[0093] S401. Summarize the balances of each account in the current period to obtain the current account summary balance.

[0094] It should be noted that regardless of whether the balance is transferred from on-balance sheet to off-balance sheet or vice versa, a balance conversion is performed, so the transferred balance needs to be calculated first. Therefore, the balances of each account in the current period are summarized to obtain the current account summary balance.

[0095] S402. Determine whether the status of the impairment write-off account has changed from the normal status of the previous period to the impairment write-off status.

[0096] If the status of the impairment write-off account changes from the normal status of the previous period to the impairment write-off status, then step S403 needs to be executed. If the status of the impairment write-off account does not change from the normal status of the previous period to the impairment write-off status, then step S404 is executed.

[0097] S403. The current account balance is summarized and determined as the balance transferred from on-balance sheet to off-balance sheet.

[0098] In other words, the balance transferred from on-balance sheet to off-balance sheet is x = the sum of the balances of all accounts in the current master file (impairment / write-off on day T, normal on day T-1).

[0099] S404. Determine whether the status of the impairment write-off account has changed from the impairment write-off status of the previous period to the normal status.

[0100] If it is determined that the status of the impairment write-off account has changed from the impairment write-off status of the previous period to the normal status, then step S405 is executed.

[0101] S405. The current summary balance of the account sheet is determined as the off-balance sheet to on-balance sheet balance.

[0102] Off-balance sheet to on-balance sheet balance y = sum of the balances of all accounts in the current master file (normal on day T, impairment / write-off on day T-1).

[0103] S104. Based on the information in the second-level impairment write-off registration table, the balance of each dimension is statistically analyzed according to the accounting line and account number dimensions to obtain the multi-dimensional amount data of each group and store it in the third-level impairment write-off balance and occurrence registration table.

[0104] In order to reflect the status and changes in the accounts of impairment write-off accounts at the departmental level, and to help the accuracy of impairment write-off measurement, the balances of each dimension are statistically analyzed based on the information in the second-level impairment write-off registration table, according to the accounting line and account number dimensions. This results in multi-dimensional amount data for each group, which is then stored in the third-level impairment write-off balance and occurrence registration table.

[0105] The multi-dimensional amount data for each group includes the balance of the current period, the balance transferred from on-balance sheet to off-balance sheet, the balance transferred from off-balance sheet to on-balance sheet, the debit amount, and the credit amount, which are the balance on day T, the balance transferred from on-balance sheet to off-balance sheet on day T, the balance transferred from off-balance sheet to on-balance sheet on day T, the debit amount on day T, and the credit amount on day T.

[0106] Specifically, the balance on day T can be directly obtained from the second-level impairment write-off registration form. Specifically, the amount transferred from on-balance sheet to off-balance sheet on day T is X = x1 + x2 + ... + xn. The balance transferred from off-balance sheet to on-balance sheet on day T is Y = y1 + y2 + ... + yn. The amount of debit entries on day T is M = α1 + α2 + ... + αn. The amount of credit entries on day T is N = β1 + β2 + ... + βn.

[0107] Optionally, in order to ensure the accuracy of the impairment write-off account summary processing flow, in another embodiment of this application, after performing step S104, the process further includes:

[0108] Based on the data in the third-level impairment write-off balance and occurrence registration table, the summary balance for the current period is verified through reconciliation.

[0109] Specifically, the calculation based on the reconciliation relationship is as follows: Day T balance = Day T-1 balance + Day T in-balance sheet to off-balance sheet transfer amount X - Day T off-balance sheet to in-balance sheet balance Y + Day T debit transaction amount M - Day T credit transaction amount N. Then, compare this with the Day T figure in the table. If they match, the verification passes. If they don't match, the verification fails, and an anomaly alarm mechanism can be triggered.

[0110] Optionally, while verifying the accuracy of the summary processing flow for impairment write-off accounts, the accuracy of related transaction activities can be verified level by level, starting from the first transaction level. Using the current balance as a benchmark, this provides the ultimate verification anchor point for the global closure of impairment write-off accounts. The system judges based on the above formula, strictly ensuring the consistency between the balance and the transaction amount, and verifying the accuracy of related transaction activities level by level, starting from the first transaction level. Any inconsistency will trigger an anomaly alarm mechanism, verifying each transaction on day T, detecting the integrity of the fund flow chain through reverse deduction of the balance, accurately locating anomalies and triggering subsequent accounting processing, ensuring the mathematical closure of the global balance, effectively suppressing error propagation, and guaranteeing balance continuity and reconciliation of accounts.

[0111] This application provides an asset data processing method. First, the data for each transaction is processed to extract the core elements of each transaction, which are then stored in a first-level transaction details table. The transaction amount within the core elements is identified by its flow direction as the standard fund flow. Next, the master records of all accounts are traversed, and the information of each impairment write-off account is processed to extract key information, which is then stored in a second-level impairment write-off registration table. Then, the current balance and transaction amount of each impairment write-off account are calculated and stored in the second-level impairment write-off registration table. The balance of the impairment write-off account includes the summary balance and the status transition balance. The status transition balance includes balances transferred from on-balance sheet to off-balance sheet or vice versa. Transaction amounts include account-level debit and credit transactions. Finally, based on the information in the second-level impairment write-off registration table, the current balances in each dimension are statistically analyzed by accounting line and account number, resulting in multi-dimensional amount data for each group, which is then stored in a third-level impairment write-off balance and transaction amount registration table. The multi-dimensional monetary data for each group includes the current period's balance, on-balance sheet to off-balance sheet balance, off-balance sheet to on-balance sheet balance, debit entries, and credit entries. This allows for the batch extraction of impairment write-off details, account-level summaries, and departmental-level summaries. This bottom-up, multi-level summarization accurately reflects the status and changes in accounts subject to impairment write-offs. It completes the accounting processing for accounts with impairment and write-off status at the accounting level, minimizing the impact of business transactions on accounting and decoupling it from business transactions. This facilitates system development and rapid updates, while reducing accounting processing costs and improving efficiency.

[0112] Another embodiment of this application provides an asset data processing system, such as... Figure 5 As shown, it includes:

[0113] The detailed processing unit 501 is used to process the data of each transaction, extract the core elements of each transaction, and store them in the first-level transaction detailed table. Among them, the transaction amount in the core elements is identified by its flow direction as the standard fund flow.

[0114] The account-level processing unit 502 is used to traverse the master files of all accounts, process the information of each impairment write-off account, extract the key information of the impairment write-off account, and store it in the second-level impairment write-off registration table.

[0115] Information statistics unit 503 is used to count the current balances and transaction amounts of each impairment write-off account and store them in the second-level impairment write-off registration table. The balances of the impairment write-off accounts include summary balances and status transition balances. Status transition balances include balances transferred from on-balance sheet to off-balance sheet or vice versa. Transaction amounts include account-level debit and credit transactions.

[0116] The grouping processing unit 504 is used to statistically analyze the current balances in each dimension based on the information in the second-level impairment write-off registration table, grouped by accounting line and account number, to obtain multi-dimensional amount data for each group and store it in the third-level impairment write-off balance and transaction amount registration table. The multi-dimensional amount data for each group includes the balance for the current period, balances transferred from on-balance sheet to off-balance sheet, balances transferred from off-balance sheet to on-balance sheet, debit transactions, and credit transactions.

[0117] Optionally, in another embodiment of the asset data processing system provided in this application, the system further includes:

[0118] The verification unit is used to verify the summary balance of the current period based on the data in the third-level impairment write-off balance and occurrence registration table, through reconciliation relationships.

[0119] Optionally, in another embodiment of the asset data processing system provided in this application, the detail processing unit includes:

[0120] Standardized processing units are used to perform deep cleaning and structural enhancement on the data of each transaction.

[0121] The transaction information extraction unit is used to extract the core elements of each transaction, generate the flow identifier of the transaction amount in the core elements, and store the core elements of each transaction in the first-level transaction details table. The core elements of a transaction include at least the account number, transaction date, transaction amount, account status, account type, and transaction type.

[0122] Optionally, in another embodiment of the asset data processing system provided in this application, the account-level processing unit includes:

[0123] The account information processing unit is used to traverse the master files of all accounts, process the structured grouping of the information of the impairment write-off accounts obtained from the traversal, and extract the key information of the impairment write-off accounts, storing it in the second-level impairment write-off registration table. The key information of the impairment write-off accounts includes the account number, accounting line, account status for the current period, account status for the previous period, balance of each account for the current period, and balance of each account for the previous period.

[0124] Optionally, in another embodiment of the asset data processing system provided in this application, the information statistics unit includes:

[0125] The balance statistics unit is used to calculate the summary balance of each impairment write-off account for the current period based on the information in the second-level impairment write-off registration table, and store it in a chain with the information of the previous period in the second-level impairment write-off registration table.

[0126] The transaction amount statistics unit is used to summarize the transaction amounts of the same flow direction identifier of the impairment write-off account in the first-level transaction details table to obtain the account-level debit and credit transaction amounts.

[0127] The status determination unit is used to determine whether the status of the impairment write-off account has changed based on the status of the current period and the status of the previous period.

[0128] The transfer balance statistics unit is used to calculate the balance transferred from on-balance sheet to off-balance sheet or from off-balance sheet to on-balance sheet when the status of an impairment write-off account changes, based on the direction of the status transfer.

[0129] Optionally, in another embodiment of the asset data processing system provided in this application, the transfer balance statistics unit includes:

[0130] The account balance summary unit is used to summarize the account balances of each account in the current period to obtain the current account summary balance.

[0131] The first determining unit is used to determine the current account summary balance as an on-balance sheet to off-balance sheet balance when the status of the impairment write-off account changes from the normal status of the previous period to the impairment write-off status.

[0132] The second determining unit is used to determine the current account summary balance as the off-balance sheet to on-balance sheet balance when the status of the impairment write-off account changes from the impairment write-off status of the previous period to the normal status.

[0133] It should be noted that the specific working process of each unit provided in the above embodiments of this application can be referred to the implementation process of the corresponding steps in the above method embodiments, and will not be repeated here.

[0134] Another embodiment of this application provides an electronic device, such as... Figure 6 As shown, it includes:

[0135] Memory 601 and processor 602.

[0136] The memory 601 is used to store the program.

[0137] The processor 602 is used to execute the program stored in the memory 601. When the program is executed, it is specifically used to implement the asset data processing method provided in any of the above embodiments.

[0138] Another embodiment of this application provides a computer storage medium for storing a computer program, which, when executed by a processor (such as processor 602 described above), is used to implement the asset data processing method provided in any of the above embodiments.

[0139] Computer storage media, including both permanent and non-permanent, removable and non-removable media, can store information using any method or technology. Information can be computer-readable instructions, data structures, program modules, or other data. Examples of computer storage media include, but are not limited to, phase-change memory (PRAM), static random access memory (SRAM), dynamic random access memory (DRAM), other types of random access memory (RAM), read-only memory (ROM), electrically erasable programmable read-only memory (EEPROM), flash memory or other memory technologies, CD-ROM, digital versatile optical disc (DVD) or other optical storage, magnetic tape, magnetic magnetic disk storage or other magnetic storage devices, or any other non-transferable medium that can be used to store information accessible by a computing device. As defined herein, computer-readable media does not include transient computer-readable media, such as modulated data signals and carrier waves.

[0140] Those skilled in the art will further recognize that the units and algorithm steps of the various examples described in conjunction with the embodiments disclosed herein can be implemented in electronic hardware, computer software, or a combination of both. To clearly illustrate the interchangeability of hardware and software, the components and steps of the various examples have been generally described in terms of functionality in the foregoing description. Whether these functions are implemented in hardware or software depends on the specific application and design constraints of the technical solution. Those skilled in the art can use different methods to implement the described functions for each specific application, but such implementation should not be considered beyond the scope of this application.

[0141] The above description of the disclosed embodiments enables those skilled in the art to make or use this application. Various modifications to these embodiments will be readily apparent to those skilled in the art, and the general principles defined herein may be implemented in other embodiments without departing from the spirit or scope of this application. Therefore, this application is not to be limited to the embodiments shown herein, but is to be accorded the widest scope consistent with the principles and novel features disclosed herein.

Claims

1. An asset data processing method, characterized in that, include: The data of each transaction is processed to extract the core elements of each transaction and store them in the first-level transaction details table; wherein, the transaction amount in the core elements is identified by its flow direction to determine the standard fund flow. Iterate through the master files of all accounts, process the information of each impairment write-off account, extract the key information of the impairment write-off account, and store it in the second-level impairment write-off registration table; The current balance and transaction amount of each impairment write-off account are calculated and stored in the second-level impairment write-off registration table; wherein, the balance of each impairment write-off account includes the summary balance and the status transition balance; the status transition balance includes the balance transferred from on-balance sheet to off-balance sheet or the balance transferred from off-balance sheet to on-balance sheet; the transaction amount includes the account-level debit transaction amount and credit transaction amount; Based on the information in the second-level impairment write-off registration table, the balances of each dimension are statistically analyzed according to the accounting line and account number dimensions to obtain multi-dimensional amount data for each group and store it in the third-level impairment write-off balance and occurrence registration table; wherein, the multi-dimensional amount data for each group includes the balance of the current period, the balance transferred from on-balance sheet to off-balance sheet, the balance transferred from off-balance sheet to on-balance sheet, the debit occurrence amount, and the credit occurrence amount.

2. The method according to claim 1, characterized in that, The process of statistically analyzing the balances of each dimension based on the information in the second-level impairment write-off registration table, grouping them by accounting line and account number, obtaining multi-dimensional amount data for each group, and storing it in the third-level impairment write-off balance and occurrence registration table, further includes: Based on the data in the third-level impairment write-off balance and occurrence registration table, the summary balance for the current period is verified through reconciliation.

3. The method according to claim 1, characterized in that, The process of processing the data for each transaction, extracting the core elements of each transaction, and storing them in the first-level transaction detail table includes: Perform in-depth cleaning and structural enhancement on the data for each transaction; After extracting the core elements of each transaction and generating the flow identifier of the transaction amount in the core elements, the core elements of each transaction are stored in the first-level transaction details table; wherein, the core elements of the transaction include at least account number, transaction date, transaction amount, account status, account type and transaction type.

4. The method according to claim 1, characterized in that, The process involves traversing the master records of all accounts, processing the information of each impairment write-off account, extracting key information from the impairment write-off accounts, and storing it in the second-level impairment write-off registration table, including: Traverse the master files of all accounts, process the information of the impairment write-off accounts obtained through the traversal in a structured group, and extract the key information of the impairment write-off accounts and store it in the second-level impairment write-off registration table; wherein, the key information of the impairment write-off accounts includes account number, accounting line, account status in the current period, account status in the previous period, balance of each account in the current period, and balance of each account in the previous period.

5. The method according to claim 4, characterized in that, The statistics on the current balance and transaction amount of each of the aforementioned impairment write-off accounts include: For each impairment write-off account, based on the information in the second-level impairment write-off registration table, calculate the summary balance of the impairment write-off account for the current period, and store it in the second-level impairment write-off registration table in a chain with the information of the previous period; The transaction amounts of the same flow direction identifier of the impairment write-off accounts mentioned in the first-level transaction details table are summarized to obtain the debit and credit amounts at the account level; Based on the current period's status and the previous period's status of the impairment write-off account, determine whether the status of the impairment write-off account has changed. If the status of the impairment write-off account changes, the balance transferred from on-balance sheet to off-balance sheet or from off-balance sheet to on-balance sheet is calculated according to the direction of the status transfer.

6. The method according to claim 5, characterized in that, The calculation of on-balance sheet to off-balance sheet balances or off-balance sheet to on-balance sheet balances based on the state transition direction includes: Summarize the balances of each account in the current period to obtain the current account summary balance; If the status of the impairment write-off account changes from the normal status of the previous period to the impairment write-off status, then the current account summary balance is determined as the balance transferred from on-balance sheet to off-balance sheet. If the status of the impairment write-off account changes from the impairment write-off status of the previous period to the normal status, then the current account summary balance is determined as the off-balance sheet to on-balance sheet balance.

7. An asset data processing system, characterized in that, include: The detailed processing unit is used to process the data of each transaction, extract the core elements of each transaction, and store them in the first-level transaction detail table; wherein, the transaction amount in the core elements is identified by its flow direction as the standard fund flow; The account-level processing unit is used to traverse the master files of all accounts, process the information of each impairment write-off account, extract the key information of the impairment write-off account, and store it in the second-level impairment write-off registration table. The information statistics unit is used to count the current balance and transaction amount of each of the aforementioned impairment write-off accounts and store them in the second-level impairment write-off registration table; wherein, the balance of the impairment write-off account includes the summary balance and the status transition balance; the status transition balance includes the balance transferred from on-balance sheet to off-balance sheet or the balance transferred from off-balance sheet to on-balance sheet; the transaction amount includes the account-level debit transaction amount and credit transaction amount; The grouping processing unit is used to statistically analyze the current balance of each dimension based on the information in the second-level impairment write-off registration table, according to the accounting line and account number dimensions, to obtain the multi-dimensional amount data of each group and store it in the third-level impairment write-off balance and occurrence registration table; wherein, the multi-dimensional amount data of each group includes the balance of the current period, the balance transferred from on-balance sheet to off-balance sheet, the balance transferred from off-balance sheet to on-balance sheet, the debit occurrence amount, and the credit occurrence amount.

8. The system according to claim 7, characterized in that, Also includes: The verification unit is used to verify the summary balance of the current period based on the data in the third-level impairment write-off balance and occurrence registration table, through reconciliation relationships.

9. An electronic device, characterized in that, include: Memory and processor; The memory is used to store programs; The processor is used to execute the program, which, when executed, is specifically used to implement the asset data processing method as described in any one of claims 1 to 6.

10. A computer storage medium, characterized in that, Used to store a computer program, which, when executed by a processor, is used to implement the asset data processing method as described in any one of claims 1 to 6.

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