Financial automatic management method and system for full life cycle of assets

Abstract

The invention discloses a financial automatic management method and system for the full life cycle of assets, relates to the field of financial automatic management, and solves the technical problem that it is difficult to recognize the default situation possibly existing in an enterprise and carry out differentiated payment reminding during bill collection in a park. According to the invention, when the time reaches the target time before the payment period agreed by the contract, the payment notice is pushed to the enterprise based on the receivable bill amount and the actually received bill amount of each enterprise, and the invoice of the related bill is issued on line based on the payment mode of the enterprise and is pushed to the enterprise in real time; determining a development mapping factor of the enterprise based on the basic data of the enterprise, determining an overdue risk factor based on historical overdue amount and historical financial time data of the enterprise, determining bill reminding time based on the development mapping factor and the overdue risk factor, and reminding the corresponding enterprise based on the bill reminding time; according to the invention, the controllability and safety of asset income can be enhanced.

Description

Technical Field

[0001] This invention relates to the field of automated financial management, specifically a method and system for automated financial management of the entire asset lifecycle. Background Technology

[0002] With the deepening of digital transformation in modern industrial parks and the continuous growth in the number of resident enterprises, the traditional park rental fund management model is facing huge challenges and the need for transformation. For a long time, park operators have generally relied on manual accounting and offline processes when handling the collection of funds such as rent, property fees and water and electricity fees from enterprises. This has resulted in serious lag between financial data and business status, making it difficult to achieve business and finance integration. Moreover, problems such as missed collection, incorrect collection and lack of fund risk control are prone to occur during contract execution, which cannot meet the requirements of refined operation.

[0003] Currently, most automated financial management methods for the entire asset lifecycle struggle to identify potential defaults by companies during bill collection within industrial parks and fail to provide differentiated payment reminders. This prevents the system from evolving from "post-event collection" to "pre-event identification and early intervention," thereby reducing the efficiency of asset recovery within the park while increasing overdue rates and bad debt risks.

[0004] Therefore, this invention discloses a method and system for automated financial management of the entire asset lifecycle, which is used to solve the above-mentioned technical problems. Summary of the Invention

[0005] This invention aims to solve at least one of the technical problems existing in the prior art; to this end, this invention proposes a financial automation management method and system for the entire asset lifecycle, which is used to solve the technical problem that parks have difficulty identifying potential default situations of enterprises and providing differentiated payment reminders during bill collection.

[0006] To achieve the above objectives, a first aspect of the present invention provides a method for automated financial management of assets throughout their entire lifecycle, comprising: Collect financial data, financial time data, and basic data from various enterprises within the park; among them, financial data includes accounts receivable, actual invoice amount received, and overdue amount; financial time data includes the time corresponding to the accounts receivable and actual invoice amounts received; basic data includes electricity bills, number of business registration changes, number of bidding processes, winning bid amount, and number of times the enterprise has been involved in legal proceedings; When the target time before the payment period stipulated in the contract arrives, a payment notice is sent to each enterprise based on the accounts receivable and actual invoice amounts. After receiving the payment, the payment is verified through bank transaction information, and an invoice for the relevant bill is issued online based on the enterprise's payment method and sent to the enterprise in real time. The payment methods include invoice first, payment later, and payment first, invoice later. The target time is set manually and can be set to one day. The company's development mapping factors are determined based on its basic data. Overdue risk factors are determined based on the company's historical overdue amount and historical financial time data. The bill reminder time is determined based on the development mapping factors and overdue risk factors. The corresponding company is then reminded based on the bill reminder time.

[0007] Preferably, the collection of financial data, financial time data, and basic data of various enterprises within the park includes: The system retrieves the accounts receivable, actual receipts, and overdue amounts for each company from the park's database, as well as the corresponding time periods for the accounts receivable and actual receipts. With the authorization of the enterprises, the system can access each enterprise's electricity bills, number of business registration changes, number of bidding processes, winning bid amounts, and number of legal disputes through the park's database.

[0008] Preferably, the step of sending payment notices to enterprises based on their accounts receivable and actual receipts includes: S1: Extract enterprises sequentially and receive the amount of invoices receivable and the amount of invoices actually received by the enterprises in the current billing cycle; S2: Perform an integrity check on the accounts receivable amount and the actual amount received. If the data is complete, calculate the difference between the accounts receivable amount and the actual amount received, and use the difference as the current remaining amount due. If the data is incomplete, notify the management personnel. S3: If the current remaining amount payable is greater than zero, then generate a payment notification data packet according to the payment standard agreed in the contract; S4: Send the payment notification data packet to a preset message queue, and push the payment notification to the corresponding enterprise's client in real time through the message queue.

[0009] Preferably, the step of claiming payment via bank statement information after receiving payment includes: Obtain bank transaction data and extract key fields, including payer identifier, transaction amount, and transaction serial number. Search the park database to see if there is a park enterprise corresponding to the payer identifier, and further search the enterprise to see if there is an outstanding bill with the same transaction amount; If the retrieval is successful, the transaction serial number will be written into the corresponding pending payment bill record as a transaction claim voucher, and the transaction amount will be added to the company's actual bill amount. If the search fails, i.e. no matching bill to be paid is found, the bank transaction data is marked as "abnormal pending processing", and a transaction claim failure report is generated and sent to the management terminal for manual verification.

[0010] Preferably, the online issuance of invoices for relevant bills based on the enterprise's payment method, and the real-time push to the enterprise, includes: The system retrieves the company's payment method. If the payment method is prepayment followed by invoice, it checks whether the bank statement corresponding to the company's bill has been fully claimed and matches the amount. If so, it determines that the invoicing conditions are met; otherwise, it determines that the invoicing conditions are not met. If the payment method is "invoice first, payment later", then check whether the current time has reached the invoicing time node agreed in the contract or whether the company's invoicing application has been received; if yes, then it is determined that the invoicing conditions are met; if no, then it is determined that the invoicing conditions are not met. When the enterprise determines that it meets the invoicing conditions, the invoicing information and bill amount of the enterprise are extracted, and the invoicing information and bill amount are assembled into invoicing request parameters that conform to the tax system standards; wherein, the invoicing information includes name, tax number and address; The invoice request parameters are sent to the tax control server or a third-party electronic invoice platform interface to obtain the generated electronic invoice file, and the electronic invoice file is pushed to the enterprise via system message or email.

[0011] Preferably, the determination of the enterprise's development mapping factors based on the enterprise's basic data includes: Extract the first in the park Basic data for each enterprise within the reference time period The company's electricity costs, winning bid amounts, and number of bidding processes are positively normalized, while the number of legal disputes and business registration changes are negatively normalized, resulting in the company's normalized feature vector. The reference time period is manually set and can be the previous 6 months; the formulas for positive and negative normalization are shown in formula (1). For the company's number, The numbers of each indicator in the basic data; when The time is the electricity bill number, when The time is the number of times the business registration has been changed. The time refers to the number of bidding sessions. The time is the number of the winning bid amount, when This refers to the number of times the company has been involved in legal proceedings. This is the normalized value corresponding to the electricity bill. This is the normalized value corresponding to the number of business registration changes. This is the normalized value corresponding to the number of bidding processes. This is the normalized value corresponding to the winning bid amount. This is the normalized value corresponding to the number of times the company has been involved in legal litigation. Based on feature vectors The business activity factor is determined by formula (2). and operational stability factors For the business activity factor and operational stability factors The development mapping factor is obtained by performing weight calculation; The calculation formula (1) is: ; In the formula, For all enterprises in the park in the first The maximum value of each indicator For all enterprises in the park in the first The minimum value of each indicator; The calculation formula (2) is: ; In the formula, , , , and These are manually set proportional adjustment coefficients, and their values ​​all range from [0,1]. , .

[0012] Preferably, the determination of overdue risk factors based on the company's historical overdue amount and historical financial time data includes: Extracting historical overdue amounts from enterprises The time corresponding to the accounts receivable invoice amount The time corresponding to the actual amount received on the invoice The number of bills with overdue amounts; among which, This is the number of the billing cycle, and The range of values ​​for is [1, ... ], The maximum value for the billing cycle number; The overdue frequency is calculated by dividing the number of overdue bills by the number of overdue invoices. Based on historical overdue amounts The time corresponding to the amount of accounts receivable The time corresponding to the actual amount received on the invoice and frequency of overdue payments The historical credit factor of an enterprise is determined by formula (3). ; Obtain the current remaining amount payable by the enterprise in the current billing cycle. Based on the current remaining amount due. and historical credit factors The overdue risk factor is determined by formula (4). ; The calculation formula (3) is: ; In the formula, , and All weighting coefficients are either manually set or obtained from historical data, and ; To retrieve the historical overdue amount for all billing cycles of the current enterprise The maximum value, This represents the average duration of delayed payments for all businesses within the park. The calculation formula (4) is: ; In the formula, Risk thresholds set by managers based on the remaining funds in the park.

[0013] Preferably, determining the bill reminder time based on the development mapping factor and the overdue risk factor includes: Extracting development mapping factors and overdue risk factors Based on the aforementioned development mapping factor and overdue risk factors The bill reminder time is determined by formula (5). ; The calculation formula (5) is: ; In the formula, The payment period is as stipulated in the contract. The standard reminder duration set manually is generally 3 days; It is a standard development mapping factor set by the historical development mapping factor of enterprises in the park, which can be the average value of the historical development mapping factor of enterprises in the park in the most recent year; It is a standard overdue risk factor set by the historical overdue risk factors of enterprises in the park, which can be the average of the historical overdue risk factors of enterprises in the park in the most recent year.

[0014] Preferably, the step of sending reminders to the corresponding enterprise based on the bill reminder time includes: When the billing reminder time arrives for a company, a notification to pay the bill is sent to the company's responsible person through the information notification platform, which includes SMS, email, WeChat, and the park management platform.

[0015] A second aspect of the present invention provides an automated financial management system for the entire asset lifecycle, comprising: a payment collection module, a data collection module and an enterprise overdue dynamic early warning module connected to the payment collection module; The data collection module is used to collect financial data, financial time data, and basic data of various enterprises within the park. The financial data includes accounts receivable, actual receipts, and overdue amounts. The financial time data includes the time corresponding to the accounts receivable and actual receipts. The basic data includes electricity bills, number of business registration changes, number of bidding processes, winning bid amounts, and number of legal disputes involving the enterprise. The payment collection module: when the target time before the payment cycle stipulated in the contract arrives, it pushes a payment notice to each enterprise based on the amount of accounts receivable and the amount of accounts actually received; after receiving the payment, it verifies the payment through bank transaction information, and issues invoices for the relevant bills online based on the enterprise's payment method, and pushes them to the enterprise in real time; among which, the payment methods include invoice first and payment later and payment first and invoice later. The enterprise overdue dynamic early warning module determines the enterprise's development mapping factor based on the enterprise's basic data, determines the overdue risk factor based on the enterprise's historical overdue amount and historical financial time data, determines the bill reminder time based on the development mapping factor and the overdue risk factor, and sends a reminder to the corresponding enterprise based on the bill reminder time.

[0016] Compared with the prior art, the beneficial effects of the present invention are: 1. This invention collects financial data, financial time data, and basic data from various enterprises within the park. When the target time before the contractually agreed payment period arrives, a payment notice is sent to each enterprise based on its accounts receivable and actual receipts. Upon receiving payment, the payment is verified through bank statements, and invoices for relevant bills are issued online based on the enterprise's payment method and sent to the enterprise in real time. The invention determines the enterprise's development mapping factor based on its basic data, determines overdue risk factors based on its historical overdue amounts and historical financial time data, determines the bill reminder time based on the development mapping factor and overdue risk factor, and sends reminders to the corresponding enterprises based on the bill reminder time. This solves the technical problem of the park's difficulty in identifying potential defaults and providing differentiated payment reminders during bill collection, improving overall financial management efficiency and accuracy, and enhancing the controllability and security of asset returns.

[0017] 2. This invention integrates historical behavioral data, time-dimensional information, and current capital exposure levels into a model to form a quantifiable and dynamically updated overdue risk factor. This provides a core basis for subsequently determining differentiated bill reminder times in conjunction with enterprise development mapping factors. This enables the system to implement tiered reminders and precise management based on the risk levels of different enterprises, reducing unnecessary manual collection, improving the timeliness of intervention for high-risk bills, and lowering the overall overdue rate and bad debt rate of the park. As a result, it significantly enhances the comprehensive application effect of the asset lifecycle financial automation management method in terms of risk control, capital security, and operational efficiency. Attached Figure Description

[0018] To more clearly illustrate the technical solutions in the embodiments of the present invention 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 some embodiments of the present invention. For those skilled in the art, other drawings can be obtained based on these drawings without creative effort.

[0019] Figure 1 This is a schematic diagram of the operation steps of the present invention; Figure 2 A schematic diagram illustrating the operational steps for determining the enterprise development mapping factors in this invention; Figure 3 This is a schematic diagram of the system modules of the present invention. Detailed Implementation

[0020] The technical solution of the present invention will be clearly and completely described below with reference to the embodiments. Obviously, the described embodiments are only some embodiments of the present invention, and not all embodiments. Based on the embodiments of the present invention, all other embodiments obtained by those skilled in the art without creative effort are within the scope of protection of the present invention.

[0021] Please see Figure 1 The first aspect of this invention provides a method for automated financial management of assets throughout their entire lifecycle, comprising: Collect financial data, financial time data, and basic data from various enterprises within the park; among them, financial data includes accounts receivable, actual invoice amount received, and overdue amount; financial time data includes the time corresponding to the accounts receivable and actual invoice amounts received; basic data includes electricity bills, number of business registration changes, number of bidding processes, winning bid amount, and number of times the enterprise has been involved in legal proceedings; When the target time before the payment period stipulated in the contract arrives, a payment notice is sent to each enterprise based on the accounts receivable and actual invoice amounts. After receiving the payment, the payment is verified through bank transaction information, and an invoice for the relevant bill is issued online based on the enterprise's payment method and sent to the enterprise in real time. The payment methods include invoice first, payment later, and payment first, invoice later. The target time is set manually and can be set to one day. The company's development mapping factors are determined based on its basic data. Overdue risk factors are determined based on the company's historical overdue amount and historical financial time data. The bill reminder time is determined based on the development mapping factors and overdue risk factors. The corresponding company is then reminded based on the bill reminder time.

[0022] It is worth noting that by organically integrating data collection, payment collection and dynamic early warning of overdue payments for enterprises, this invention can form a closed-loop, sustainable, and evolving automated financial management mechanism throughout the entire asset lifecycle management process. First, a unified data collection module continuously collects financial data, financial time data, and basic data reflecting the operational and credit status of enterprises within the park. This not only avoids the information lag, omissions, and errors caused by traditional manual data entry but also provides a highly reliable data foundation for subsequent financial analysis, risk identification, and decision support, making the financial status of assets traceable and quantifiable throughout their entire lifecycle. Second, the payment collection module proactively pushes payment notices before the target time stipulated in the contract payment period, shifting from "passive reminders" to "proactive reminders," effectively improving enterprises' initiative to pay on time. Combined with automatic bank statement recognition technology, it significantly reduces the workload and error rate of financial personnel in reconciliation and accounting. It can also automatically complete invoice issuance and delivery based on different payment methods such as invoice before payment or payment before invoice, thereby improving financial processing efficiency and enterprise service experience, and enhancing the standardization and transparency of the park's financial management. Third, the enterprise overdue dynamic early warning module incorporates electricity fees, the number of business registration changes, bidding and tendering data, and other relevant information. By utilizing multi-dimensional basic data such as bidding success rates and the number of legal disputes, the system constructs enterprise development mapping factors. This allows the system to comprehensively characterize the enterprise's development status from the perspectives of operational activity, stability, and compliance risks. Combined with historical overdue amounts and historical financial time data, it forms overdue risk factors, thus breaking through the limitations of traditional judgments based solely on a single aging or amount. This enables dynamic and forward-looking assessment of enterprise overdue risk and adaptively generates bill reminder times based on these factors. This allows for differentiated and precise reminder strategies for different enterprises, avoiding excessive collection efforts that could disrupt high-quality enterprises while enabling early intervention for high-risk enterprises, reducing the probability of bad debts and asset losses. In summary, this process enables automatic collection of financial data, efficient execution of accounts receivable / payable turnover, and intelligent risk warning throughout the entire asset management cycle. It not only improves the overall efficiency and accuracy of financial management but also strengthens the controllability and security of asset returns, providing parks or asset operators with a scalable, replicable, and highly practical financial automation management solution.

[0023] This invention collects financial data, financial time data, and basic data from various enterprises within the park, including: The system retrieves the accounts receivable, actual receipts, and overdue amounts for each company from the park's database, as well as the corresponding time periods for the accounts receivable and actual receipts. With the authorization of the enterprises, the system can access each enterprise's electricity bills, number of business registration changes, number of bidding processes, winning bid amounts, and number of legal disputes through the park's database.

[0024] It should be noted that the park's database is used to store enterprise data such as financial data, financial time data, and basic data of various enterprises.

[0025] In this invention, payment notifications are sent to enterprises based on their accounts receivable and actual receipts, including: S1: Extract enterprises sequentially and receive the amount of invoices receivable and the amount of invoices actually received by the enterprises in the current billing cycle; S2: Perform an integrity check on the accounts receivable amount and the actual amount received. If the data is complete, calculate the difference between the accounts receivable amount and the actual amount received, and use the difference as the current remaining amount due. If the data is incomplete, notify the management personnel. S3: If the current remaining amount payable is greater than zero, then generate a payment notification data packet according to the payment standard agreed in the contract; S4: Send the payment notification data packet to a preset message queue, and push the payment notification to the corresponding enterprise's client in real time through the message queue.

[0026] It should be noted that the actual amount of the invoice received is a variable that increases dynamically as the "payment claim" step is completed. For example, in the initial state: when the invoice is first generated, the actual amount of the invoice received is 0; in the intermediate state: if the company pays in two installments, with the first installment being 50%, after the system completes the first claim, the actual amount of the invoice received = the amount of the invoice receivable × 50%; in the final state: when the company pays in full, the actual amount of the invoice received = the amount of the invoice receivable.

[0027] In this invention, after receiving payment, the payment is claimed through bank transaction information, including: Obtain bank transaction data and extract key fields, including payer identifier, transaction amount, and transaction serial number. Search the park database to see if there is a park enterprise corresponding to the payer identifier, and further search the enterprise to see if there is an outstanding bill with the same transaction amount; If the retrieval is successful, the transaction serial number will be written into the corresponding pending payment bill record as a transaction claim voucher, and the transaction amount will be added to the company's actual bill amount. If the search fails, i.e. no matching bill to be paid is found, the bank transaction data is marked as "abnormal pending processing", and a transaction claim failure report is generated and sent to the management terminal for manual verification.

[0028] In this invention, invoices for relevant bills are issued online based on the enterprise's payment method and pushed to the enterprise in real time, including: The system retrieves the company's payment method. If the payment method is prepayment followed by invoice, it checks whether the bank statement corresponding to the company's bill has been fully claimed and matches the amount. If so, it determines that the invoicing conditions are met; otherwise, it determines that the invoicing conditions are not met. If the payment method is "invoice first, payment later", then check whether the current time has reached the invoicing time node agreed in the contract or whether the company's invoicing application has been received; if yes, then it is determined that the invoicing conditions are met; if no, then it is determined that the invoicing conditions are not met. When the enterprise determines that it meets the invoicing conditions, the invoicing information and bill amount of the enterprise are extracted, and the invoicing information and bill amount are assembled into invoicing request parameters that conform to the tax system standards; wherein, the invoicing information includes name, tax number and address; The invoice request parameters are sent to the tax control server or a third-party electronic invoice platform interface to obtain the generated electronic invoice file, and the electronic invoice file is pushed to the enterprise via system message or email.

[0029] Please see Figure 2 In this invention, the development mapping factors of an enterprise are determined based on its basic data, including: To eliminate the influence of different indicator units, a normalization function is constructed. For indicators where larger values ​​are better, such as electricity costs, winning bid amounts, and the number of bidding processes, positive normalization is used; for indicators where smaller values ​​are better, such as the number of lawsuits and the number of business registration changes, negative normalization is used. The function extracts the first... Basic data for each enterprise within the reference time period The company's electricity costs, winning bid amounts, and number of bidding processes are positively normalized, while the number of legal disputes and business registration changes are negatively normalized, resulting in the company's normalized feature vector. The reference time period is manually set and can be the previous 6 months; the formulas for positive and negative normalization are shown in formula (1). For the company's number, The numbers of each indicator in the basic data; when The time is the electricity bill number, when The time is the number of times the business registration has been changed. The time refers to the number of bidding sessions. The time is the number of the winning bid amount, when This refers to the number of times the company has been involved in legal proceedings. This is the normalized value corresponding to the electricity bill. This is the normalized value corresponding to the number of business registration changes. This is the normalized value corresponding to the number of bidding processes. This is the normalized value corresponding to the winning bid amount. This is the normalized value corresponding to the number of times the company has been involved in legal litigation. In this invention, the enterprise development mapping factor is composed of two core dimensions: "operational activity" and "operational stability." Operational activity is mainly determined by electricity consumption, the number of bidding processes, and the amount of winning bids. Electricity consumption represents production vitality, while the number of bidding processes and the amount of winning bids represent market vitality. Operational stability is mainly determined by business registration changes and legal litigation. Frequent changes or numerous lawsuits indicate management instability or legal risks for the enterprise. (Based on feature vectors) The business activity factor is determined by formula (2). and operational stability factors For the business activity factor and operational stability factors The development mapping factor is obtained by performing weight calculation; The calculation formula (1) is: ; In the formula, For all enterprises in the park in the first The maximum value of each indicator For all enterprises in the park in the first The minimum value of each indicator; The calculation formula (2) is: ; In the formula, , , , and These are manually set proportional adjustment coefficients, and their values ​​all range from [0,1]. , .

[0030] It is worth noting that this step, by normalizing the enterprise's basic data and constructing development mapping factors, achieves a unified quantitative expression and interpretable model of the enterprise's operating status, thereby providing stable and reliable data support and decision-making basis for subsequent identification of overdue risks and adaptive determination of bill reminder times. This step first addresses the differences in dimensions, scales, value ranges, and risk implications of indicators such as electricity costs, number of business registration changes, number of bidding processes, winning bid amounts, and number of legal disputes. It employs a combination of positive and negative normalization, mapping electricity costs, bidding processes, and winning bid amounts (where "higher values ​​are better") to higher positive contributions, and business registration changes and legal disputes (where "lower values ​​are better") to higher stable contributions. This effectively eliminates the comparability issues, weight distortions, and evaluation biases caused by inconsistent units and varying fluctuations between different indicators. It enables fair comparison and aggregation of multi-dimensional enterprise status within the same numerical space, improving the objectivity and robustness of the model output. Secondly, setting a reference time period imposes a time window constraint on feature extraction, preventing occasional abnormal data or short-term noise from excessively impacting the enterprise profile. Simultaneously, it allows the system to dynamically update feature vectors as enterprise operations change, ensuring the development mapping factors have... Timeliness, sustainable evolution, and traceability are emphasized. Furthermore, this step breaks down enterprise development capabilities into two core dimensions: "operational activity" and "operational stability." An interpretable structure suitable for the park's asset management scenario is established. Electricity costs reflect production vitality, while the number of bids and the amount of winning bids reflect market vitality. This more realistically portrays an enterprise's business expansion, operational intensity, and cash flow potential, allowing the system to move beyond judging enterprise performance solely based on financial returns and proactively identify an enterprise's ability to continuously fulfill its obligations from an operational perspective. Simultaneously, business registration changes and legal litigation reflect management instability and legal risks. By transforming negative indicators and introducing sigmoid-based nonlinear compression, high-risk enterprises exhibit a more pronounced punitive effect on the stability dimension, avoiding the "risk dilution" problem of traditional linear weighting methods in extreme risk situations. This improves sensitivity and early warning accuracy for potential defaulting enterprises. Additionally, the amount of winning bids in the operational activity factor is... Logarithmic smoothing effectively suppresses the problem of extreme values ​​dominating evaluation results due to a few companies winning excessively large bids, enhancing the model's applicability and fairness across companies of different sizes. This allows the model to simultaneously cover startups, growth-stage companies, and large-scale companies, avoiding structural biases such as "large companies naturally scoring too high and small companies naturally scoring too low." Furthermore, an adjustable proportional adjustment coefficient is introduced. , , , and Furthermore, by constraining the summation relationship, the system becomes configurable and scalable, enabling it to flexibly adjust the importance of operational activity and stability based on different park industry structures, investment promotion strategies, risk preferences, and management objectives. This achieves the engineering value of "adapting the same method to different management scenarios." Finally, this step transforms multi-source heterogeneous basic data into a unified enterprise development mapping factor. This lays a crucial foundation for subsequently combining historical overdue amounts and financial time data to form overdue risk factors and further generate differentiated bill reminder times. This allows the system to upgrade from "post-event collection" to "pre-event identification and early intervention," improving the efficiency of asset recovery in the park while reducing overdue rates and bad debt risks. It also reduces reliance on manual experience, enhances the stability, interpretability, and sustainable iteration capabilities of automated financial management, and comprehensively improves the intelligence level and application effectiveness of the asset lifecycle financial management method.

[0031] It should be noted that the calculation formula (1) is introduced with the following information: The stability score is mapped to the (0,1) interval to ensure the model’s nonlinear response to risky data.

[0032] It should be noted that the business activity factor... and operational stability factors In the development mapping factor obtained through weight calculation, the weights are manually set, such as based on the enterprise's development prospects reflected in factors like electricity costs, number of bidding processes and winning bid amounts, as well as the number of business registration changes and the number of legal disputes involving the enterprise. This includes the business activity factor. The weight is set to 0.4, representing the operational stability factor. The weight is 0.6.

[0033] In this invention, overdue risk factors are determined based on the company's historical overdue amount and historical financial time data, including: Extracting historical overdue amounts from enterprises The time corresponding to the amount of accounts receivable The time corresponding to the actual amount received on the invoice The number of bills with overdue amounts; among which, This is the number of the billing cycle, and The range of values ​​for is [1, ... ], The maximum value for the billing cycle number; The overdue frequency is calculated by dividing the number of overdue bills by the number of overdue invoices. Based on historical overdue amounts The time corresponding to the amount of accounts receivable The time corresponding to the actual amount received on the invoice and frequency of overdue payments The historical credit factor of an enterprise is determined by formula (3). Among them, historical credit factor A higher value indicates a higher historical credit rating for the company. Obtain the current remaining amount payable by the enterprise in the current billing cycle. Based on the current remaining amount due. and historical credit factors The overdue risk factor is determined by formula (4). ; The calculation formula (3) is: ; In the formula, , and All weighting coefficients are either manually set or obtained from historical data, and ; To retrieve the historical overdue amount for all billing cycles of the current enterprise The maximum value, This represents the average duration of delayed payments for all businesses within the park. The calculation formula (4) is: ; In the formula, Risk thresholds set by managers based on the remaining funds in the park.

[0034] It is worth noting that this step systematically models the relationship between the company's historical overdue amount, the time of overdue occurrence and payment time, and the frequency of overdue behavior. This constructs an overdue risk factor that accurately reflects the company's credit behavior and potential default risk, thereby transforming the financial management of the entire asset lifecycle from static ex-post statistics to a dynamic and proactive risk identification and intervention mechanism. First, this step extracts the company's overdue amount, receivable time, and actual payment time across multiple historical periods from the billing cycle perspective. This avoids the randomness and bias associated with assessing a company's credit based solely on a single period or the current billing status, ensuring that credit evaluation is based on continuous behavior and effectively improving the stability and credibility of the assessment results. Second, it incorporates the ratio of overdue bills to receivable bills into the overdue frequency. This allows the system to not only focus on the "size of overdue amounts" but also to identify the "habituality and probability of overdue occurrences," avoiding the simplistic treatment of a few large, occasional overdue payments or multiple small, frequent overdue payments as the same thing. It characterizes the enterprise's performance patterns at the behavioral level, enhancing the precision of risk identification; furthermore, it leverages historical credit factors... In its construction, the system comprehensively evaluates three independent yet highly correlated dimensions: historical overdue amount intensity, overdue frequency, and delayed payment duration. By incorporating time sensitivity through normalization and an exponential decay function, it ensures that companies with longer delays receive more significant penalties in credit ratings, while those whose payments are closer to the due date receive higher credit rewards. This effectively differentiates between different risk levels, such as "minor delays," "habitual arrears," and "serious defaults," avoiding the ambiguity of traditional aging analysis methods in distinguishing risk levels. Furthermore, through... , and The weighting coefficients allow managers to flexibly adjust the influence of amount, frequency, and time factors in credit evaluation based on the park's enterprise structure, industry characteristics, and historical bad debt situation, improving the model's adaptability and configurability in different application scenarios; furthermore, in calculating overdue risk factors... At that time, the remaining amount payable by the enterprise will be... Compared with historical credit factors This involves coupling the risk amount and introducing a risk threshold based on the overall financial security requirements of the park. This approach enables risk assessment to reflect not only whether a company is prone to default, but also the actual impact of default on the park's financial security. This allows for focused attention and early intervention on high-amount, high-risk bills, avoiding the overlooking of liquidity risks hidden in large outstanding payments due to high credit scores alone. Overall, this step integrates historical behavioral data, time-based information, and current financial exposure levels to create a quantifiable and dynamically updated default risk factor. This provides a core basis for subsequently determining differentiated bill reminder times in conjunction with enterprise development mapping factors. The system can implement tiered reminders and precise management based on different companies' risk levels, reducing unnecessary manual collection, improving the timeliness of intervention for high-risk bills, and lowering the overall default and bad debt rates in the park. This significantly enhances the comprehensive application effect of automated asset lifecycle financial management methods in risk control, financial security, and operational efficiency.

[0035] It should be noted that in calculating the overdue risk factor, if the historical overdue amount within all billing cycles of the current enterprise is included... If the maximum value is 0, then the overdue risk factor The value is 0.

[0036] In this invention, the bill reminder time is determined based on development mapping factors and overdue risk factors, including: Extracting development mapping factors and overdue risk factors Based on the aforementioned development mapping factor and overdue risk factors The bill reminder time is determined by formula (5). ; The calculation formula (5) is: ; In the formula, The payment period is as stipulated in the contract. The standard reminder duration set manually is generally 3 days; It is a standard development mapping factor set by the historical development mapping factor of enterprises in the park, which can be the average value of the historical development mapping factor of enterprises in the park in the most recent year; It is a standard overdue risk factor set by the historical overdue risk factors of enterprises in the park, which can be the average of the historical overdue risk factors of enterprises in the park in the most recent year.

[0037] It should be noted that in the calculation formula (5) It is used to calculate bill reminder times, such as the payment time stipulated in the contract. The calculation for the month begins at 8:00 AM on the 10th of each month. If it's 5 days, then the bill reminder time for this month is... It is 8:00 AM on the 5th.

[0038] In this invention, reminders are sent to the corresponding enterprises based on the bill reminder time, including: When the billing reminder time arrives for a company, a notification to pay the bill is sent to the company's responsible person through the information notification platform, which includes SMS, email, WeChat, and the park management platform.

[0039] Please see Figure 3 The second aspect of the present invention provides an automated financial management system for the entire life cycle of assets, including: a payment collection module, a data collection module and an enterprise overdue dynamic early warning module connected to the payment collection module; Data collection module: used to collect financial data, financial time data, and basic data of various enterprises in the park; among them, financial data includes accounts receivable, actual invoice amount received, and overdue amount; financial time data includes the time corresponding to the accounts receivable and actual invoice amounts received; basic data includes electricity bills, number of business registration changes, number of bidding and tendering, winning bid amount, and number of times the enterprise has been involved in legal proceedings; Payment collection module: When the target time before the payment period stipulated in the contract arrives, a payment notice is sent to each enterprise based on the accounts receivable and actual invoice amounts received; after receiving the payment, the payment is verified through bank transaction information, and invoices for the relevant bills are issued online based on the enterprise's payment method and pushed to the enterprise in real time; among them, payment methods include invoice first, payment later and payment first, invoice later; The Enterprise Overdue Dynamic Early Warning Module determines the enterprise's development mapping factors based on the enterprise's basic data, determines the overdue risk factors based on the enterprise's historical overdue amount and historical financial time data, determines the bill reminder time based on the development mapping factors and overdue risk factors, and sends reminders to the corresponding enterprises based on the bill reminder time.

[0040] Some of the data in the above formula are calculated by removing dimensions and taking their numerical values. The formula is the closest to the real situation obtained by software simulation of a large amount of collected data. The preset parameters and preset thresholds in the formula are set by those skilled in the art according to the actual situation or obtained through simulation of a large amount of data.

[0041] Working principle of the invention: This invention collects financial data, financial time data, and basic data from various enterprises within the park. When the target time before the contractually agreed payment period arrives, a payment notice is sent to each enterprise based on its accounts receivable and actual receipts. Upon receiving payment, the payment is verified through bank statements, and invoices are issued online based on the enterprise's payment method and sent to the enterprise in real time. The invention also determines the enterprise's development mapping factor based on its basic data, determines the overdue risk factor based on its historical overdue amount and historical financial time data, determines the bill reminder time based on the development mapping factor and the overdue risk factor, and sends reminders to the corresponding enterprises based on the bill reminder time.

[0042] The above embodiments are only used to illustrate the technical methods of the present invention and are not intended to limit it. Although the present invention has been described in detail with reference to preferred embodiments, those skilled in the art should understand that modifications or equivalent substitutions can be made to the technical methods of the present invention without departing from the spirit and scope of the technical methods of the present invention.

Claims

1. A method for automated financial management of assets throughout their entire lifecycle, characterized in that, include: Collect financial data, financial time data, and basic data from various enterprises within the park; among them, financial data includes accounts receivable, actual invoice amount received, and overdue amount; financial time data includes the time corresponding to the accounts receivable and actual invoice amounts received; basic data includes electricity bills, number of business registration changes, number of bidding processes, winning bid amount, and number of times the enterprise has been involved in legal proceedings; When the target time before the payment period stipulated in the contract arrives, a payment notice is sent to each enterprise based on the amount of accounts receivable and the amount of invoices actually received. After receiving the payment, the payment is verified through bank transaction information, and an invoice for the relevant bill is issued online based on the enterprise's payment method and sent to the enterprise in real time. The payment methods include invoice first, payment later and payment first, invoice later. The company's development mapping factors are determined based on its basic data. Overdue risk factors are determined based on the company's historical overdue amount and historical financial time data. The bill reminder time is determined based on the development mapping factors and overdue risk factors. The corresponding company is then reminded based on the bill reminder time.

2. The method for automated financial management of assets throughout their entire lifecycle as described in claim 1, characterized in that, The collection of financial data, financial time data, and basic data from various enterprises within the park includes: The system retrieves the accounts receivable, actual receipts, and overdue amounts for each company from the park's database, as well as the corresponding time periods for the accounts receivable and actual receipts. With the authorization of the enterprises, the system can access each enterprise's electricity bills, number of business registration changes, number of bidding processes, winning bid amounts, and number of legal disputes through the park's database.

3. The method for automated financial management of assets throughout their entire lifecycle as described in claim 1, characterized in that, The process of sending payment notices to enterprises based on their accounts receivable and actual receipts includes: S1: Extract enterprises sequentially and receive the amount of invoices receivable and the amount of invoices actually received by the enterprises in the current billing cycle; S2: Perform an integrity check on the accounts receivable amount and the actual amount received. If the data is complete, calculate the difference between the accounts receivable amount and the actual amount received, and use the difference as the current remaining amount due. If the data is incomplete, notify the management personnel. S3: If the current remaining amount payable is greater than zero, then generate a payment notification data packet according to the payment standard agreed in the contract; S4: Send the payment notification data packet to a preset message queue, and push the payment notification to the corresponding enterprise's client in real time through the message queue.

4. The method for automated financial management of assets throughout their entire lifecycle as described in claim 1, characterized in that, The process of verifying payment receipt via bank statements includes: Obtain bank transaction data and extract key fields, including payer identifier, transaction amount, and transaction serial number. Search the park database to see if there is a park enterprise corresponding to the payer identifier, and further search the enterprise to see if there is an outstanding bill with the same transaction amount; If the retrieval is successful, the transaction serial number will be written into the corresponding pending payment bill record as a transaction claim voucher, and the transaction amount will be added to the company's actual bill amount. If the retrieval fails, the bank transaction data will be marked as "abnormal and pending processing", and a transaction claim failure report will be generated and sent to the management terminal for manual verification.

5. The method for automated financial management of assets throughout their entire lifecycle as described in claim 1, characterized in that, The online issuance of invoices based on corporate payment methods, and the real-time push of these invoices to the companies, includes: The system retrieves the company's payment method. If the payment method is prepayment followed by invoice, it checks whether the bank statement corresponding to the company's bill has been fully claimed and matches the amount. If so, it determines that the invoicing conditions are met; otherwise, it determines that the invoicing conditions are not met. If the payment method is "invoice first, payment later", then check whether the current time has reached the invoicing time node agreed in the contract or whether the company's invoicing application has been received; if yes, then it is determined that the invoicing conditions are met; if no, then it is determined that the invoicing conditions are not met. When the enterprise determines that it meets the invoicing conditions, the invoicing information and bill amount of the enterprise are extracted, and the invoicing information and bill amount are assembled into invoicing request parameters that conform to the tax system standards; wherein, the invoicing information includes name, tax number and address; The invoice request parameters are sent to the tax control server or a third-party electronic invoice platform interface to obtain the generated electronic invoice file, and the electronic invoice file is pushed to the enterprise via system message or email.

6. The method for automated financial management of assets throughout their entire lifecycle as described in claim 1, characterized in that, The determination of enterprise development mapping factors based on the enterprise's basic data includes: Extract the first in the park Basic data for each enterprise within the reference time period The company's electricity costs, winning bid amounts, and number of bidding processes are positively normalized, while the number of legal disputes and business registration changes are negatively normalized, resulting in the company's normalized feature vector. The formulas for positive and negative normalization are shown in formula (1). For the company's number, These are the numbers of the various indicators in the basic data; This is the normalized value corresponding to the electricity bill. This is the normalized value corresponding to the number of business registration changes. This is the normalized value corresponding to the number of bidding processes. This is the normalized value corresponding to the winning bid amount. This is the normalized value corresponding to the number of times the company has been involved in legal litigation. Based on feature vectors The business activity factor is determined by formula (2). and operational stability factors For the business activity factor and operational stability factors The development mapping factor is obtained by performing weight calculation; The calculation formula (1) is: ； In the formula, For all enterprises in the park in the first The maximum value of each indicator For all enterprises in the park in the first The minimum value of each indicator; The calculation formula (2) is: ； In the formula, , , , and This is the proportional adjustment coefficient, and its value range is [0,1]. , .

7. The method for automated financial management of assets throughout their entire lifecycle as described in claim 3, characterized in that, The determination of overdue risk factors based on the company's historical overdue amount and historical financial time data includes: Extracting historical overdue amounts from enterprises The time corresponding to the amount of accounts receivable The time corresponding to the actual amount received on the invoice The number of bills with overdue amounts; among which, This is the number of the billing cycle, and The range of values ​​for is [1, ... ], The maximum value for the billing cycle number; The overdue frequency is calculated by dividing the number of overdue bills by the number of overdue invoices. Based on historical overdue amounts The time corresponding to the amount of accounts receivable The time corresponding to the actual amount received on the invoice and frequency of overdue payments The historical credit factor of an enterprise is determined by formula (3). ; Obtain the current remaining amount payable by the enterprise in the current billing cycle. Based on the current remaining amount due. and historical credit factors The overdue risk factor is determined by formula (4). ; The calculation formula (3) is: ； In the formula, , and All weighting coefficients are obtained from historical data, and ; To retrieve the historical overdue amount for all billing cycles of the current enterprise The maximum value, This represents the average duration of delayed payments for all businesses within the park. The calculation formula (4) is: ； In the formula, Risk thresholds set by managers based on the remaining funds in the park.

8. The method for automated financial management of assets throughout their entire lifecycle as described in claim 1, characterized in that, The method of determining the bill reminder time based on development mapping factors and overdue risk factors includes: Extracting development mapping factors and overdue risk factors Based on the aforementioned development mapping factor and overdue risk factors The bill reminder time is determined by formula (5). ; The calculation formula (5) is: ； In the formula, The payment period is as stipulated in the contract. Standard reminder duration; It is a standard development mapping factor set up based on the historical development mapping factors of enterprises within the park. It is a standard overdue risk factor set based on the historical overdue risk factors of enterprises within the park.

9. The method for automated financial management of assets throughout their entire lifecycle as described in claim 1, characterized in that, The process of sending reminders to the corresponding enterprises based on the bill reminder time includes: When the billing reminder time arrives for a company, a notification to pay the bill is sent to the company's responsible person through the information notification platform, which includes SMS, email, WeChat, and the park management platform.

10. An automated financial management system for the entire asset lifecycle, used to run the automated financial management method for the entire asset lifecycle as described in any one of claims 1 to 9, characterized in that, include: The payment collection module, as well as the data collection module and the enterprise overdue dynamic early warning module connected to the payment collection module; The data collection module is used to collect financial data, financial time data, and basic data of various enterprises within the park. The financial data includes accounts receivable, actual receipts, and overdue amounts. The financial time data includes the time corresponding to the accounts receivable and actual receipts. The basic data includes electricity bills, number of business registration changes, number of bidding processes, winning bid amounts, and number of legal disputes involving the enterprise. The payment collection module: when the target time before the payment cycle stipulated in the contract arrives, it pushes a payment notice to each enterprise based on the amount of accounts receivable and the amount of accounts actually received; after receiving the payment, it verifies the payment through bank transaction information, and issues invoices for the relevant bills online based on the enterprise's payment method, and pushes them to the enterprise in real time; among which, the payment methods include invoice first and payment later and payment first and invoice later. The enterprise overdue dynamic early warning module determines the enterprise's development mapping factor based on the enterprise's basic data, determines the overdue risk factor based on the enterprise's historical overdue amount and historical financial time data, determines the bill reminder time based on the development mapping factor and the overdue risk factor, and sends a reminder to the corresponding enterprise based on the bill reminder time.

Images