A cash flow data processing method, system, storage medium, and electronic device

Abstract

This invention discloses a cash flow data processing method, system, storage medium, and electronic device, relating to the Internet field. The method includes the following steps: acquiring user cash flow data; reorganizing the user cash flow data to obtain net cash flow data with a uniform time distribution; the net cash flow data includes net cash inflow data and net cash outflow data; discounting the net cash outflow data to the target time point of cash flow planning according to a preset interest rate to obtain the total discounted value of net cash outflow; and establishing and solving a discount equation at the target time point based on the total discounted value of net cash outflow and net cash inflow data to obtain the required rate of return. This invention solves the problems of high computational complexity and slow processing speed, resulting in high computer resource consumption, inherent in existing technologies that rely on iterative solutions of the internal rate of return.

Description

Technical Field

[0001] This invention relates to the Internet field, and specifically to a cash flow data processing method, system, storage medium, and electronic device. Background Technology

[0002] In modern wealth management, discounted cash flow (DCF) models are a key tool for ensuring the scientific nature of investment decisions. Based on cash inflows and outflows and combined with the discount model, investors can obtain a target rate of return that covers cash outflows. Traditional DCF models are based on the Internal Rate of Return (IRR), aiming to equalize the present value of cash inflows with the present value of cash outflows in a given period. This requires iteratively solving a high-order univariate equation, making the calculation complex. Furthermore, the solutions to these models are often not unique. When the input cash flow data sequence experiences multiple positive and negative transitions throughout its lifecycle, the relationship between the corresponding net present value function and the discount rate exhibits non-linear fluctuations, leading to multiple possible solutions. Often, solutions that defy common sense are selected. The solution process requires frequent calls to numerical calculation methods, consuming significant computational resources and time, making it difficult to meet the efficiency requirements of real-time or large-scale cash flow planning scenarios. Moreover, the uncertainty of the solution further affects the accuracy and reliability of the target rate of return. Summary of the Invention

[0003] The purpose of this invention is to provide a cash flow data processing method, system, storage medium, and electronic device to solve the problems of high computational complexity and slow processing speed, which result in high computer resource consumption due to the reliance on iterative solutions of the internal rate of return in existing technologies.

[0004] To achieve the above objectives, the present invention adopts the following technical solution: Firstly, a cash flow data processing method includes the following steps: Obtain user cash flow data; The user cash flow data is reorganized to obtain net cash flow data with a uniform time distribution; the net cash flow data includes: net cash inflow data and net cash outflow data. The net cash outflow data is discounted to the target time point of the cash flow planning according to the preset interest rate to obtain the total discounted value of net outflow cash flow. Based on the total discounted value of net outflow cash flow and net inflow cash data, a discount equation is established and solved at the target time point to obtain the required rate of return.

[0005] In some implementations, obtaining user cash flow data includes: The system acquires and integrates users' current balance data, future income data, and expenditure target data onto a timeline. It then performs netting calculations on the cash inflows and outflows at each time point on the timeline to obtain users' cash flow data.

[0006] In some implementations, reorganizing user cash flow data to obtain net cash flow data with a uniform time distribution includes: The user's cash flow data is adjusted to a preset standard time point, and the cash inflows and outflows at each preset standard time point are netted to obtain net cash flow data with a uniform time distribution.

[0007] In some implementations, the discount equation includes:

[0008] in, This is the set of time points corresponding to all net cash inflow data. For the required rate of return, For each individual net cash inflow data point, an index is provided. To be at the time node Net cash inflow data, A timeline for cash flow planning. This represents the total discounted value of net outflow cash flow.

[0009] In some implementations, the following is also included: if the net cash flow data at time points before the target time point in the cash flow planning is negative or zero, and the net cash flow data at the target time point is negative, then there is no necessary rate of return.

[0010] In some implementations, the required rate of return is zero when the net cash flow data at the target time point in the cash flow planning is positive and greater than the total discounted value of the net outflow cash flow.

[0011] Secondly, a cash flow data processing system includes: The cash flow data acquisition module is used to acquire user cash flow data; The cash flow data restructuring module is used to restructure user cash flow data to obtain net cash flow data with a uniform time distribution; net cash flow data includes: net cash inflow data and net cash outflow data; The net outflow cash flow conversion module is used to convert net outflow cash data to the target time point of cash flow planning according to a preset interest rate, so as to obtain the total converted value of net outflow cash flow. The required rate of return calculation module is used to establish and solve a discount equation at a target time point based on the total discounted value of net outflow cash flow and net inflow cash data to obtain the required rate of return.

[0012] Thirdly, an electronic device includes a memory, a processor, and a computer program stored in the memory and executable in the processor, wherein the processor executes the computer program to implement the steps of a cash flow data processing method.

[0013] Fourthly, a computer-readable storage medium storing a computer program that, when executed by a processor, implements the steps of a cash flow data processing method.

[0014] Fifthly, a computer program product comprising a computer program that, when executed by a processor, implements the steps of a cash flow data processing method.

[0015] Compared with the prior art, the present invention has the following beneficial effects: This invention provides a cash flow data processing method. Net cash outflow data is discounted to the target time point of cash flow planning using a preset interest rate to obtain the total discounted value of net outflow cash flow. Based on the total discounted value of net outflow cash flow and net inflow cash data, a discount equation is established and solved at the target time point to obtain the required rate of return. By separating cash outflows and cash inflows and pre-discounting the outflow portion to the target time point using a fixed preset interest rate, the traditional iterative solution of high-order equations is transformed into a numerical calculation process that can be directly solved or converges quickly. This significantly reduces computational complexity and the number of iterations, significantly improves processing speed, and reduces computer resource consumption. Simultaneously, due to the monotonicity and uniqueness of the solution of the equation, multiple solutions or no solutions are effectively avoided. While ensuring high accuracy of the required rate of return, this method achieves efficient and stable solution for the cash flow rate of return target.

[0016] Furthermore, by acquiring and integrating users' current balance data, future income data, and expenditure target data onto a timeline, and performing netting calculations on the cash inflows and outflows at each time point on the timeline, user cash flow data is obtained. This transforms users' scattered and unprocessed raw income and expenditure data into net cash flow data at time points, simplifying the data complexity of subsequent reorganization and calculation. This lays the foundation for generating a regular and clean cash flow sequence, improves the efficiency of the entire data processing flow and the quality of the starting data, and indirectly ensures the accuracy of the required rate of return calculation results.

[0017] Furthermore, the user's cash flow data is adjusted to a preset standard time node, and the cash inflows and outflows at each preset standard time node are netted to obtain net cash flow data with a uniform time distribution. By forcibly aggregating all cash flow events to a uniformly distributed standard time node, the time value calculation error caused by the inconsistent timing of cash flow occurrences is eliminated, ensuring that the time axis on which subsequent discount calculations are based is strictly uniform. This makes the discount model have a consistent and accurate time benchmark, improving the accuracy of the required rate of return calculation.

[0018] Furthermore, if the net cash flow data at time points before the target time point in the cash flow planning is negative or zero, and the net cash flow data at the target time point is negative, then there is no necessary rate of return. This allows the entire algorithm to make a quick logical judgment based on the sign distribution of the cash flow data before performing complex calculations. For invalid planning scenarios where income is clearly insufficient to cover expenditures, it can immediately output a clear conclusion that the cash flow does not exist, without having to perform unnecessary numerical iterations, thus avoiding the risk of getting stuck in invalid calculations or outputting meaningless values.

[0019] Furthermore, when the net cash flow data at the target time point in the cash flow planning is positive and greater than the total discounted value of net outflow cash flow, the required rate of return is zero, which optimizes calculation efficiency and reduces unnecessary consumption of computing resources. Attached Figure Description

[0020] Figure 1 A flowchart of a cash flow data processing method provided in an embodiment of the present invention; Figure 2 This is a structural diagram of a cash flow data processing system provided in an embodiment of the present invention. Detailed Implementation

[0021] To enable those skilled in the art to better understand the present invention, the technical solution of the present invention will be further described in detail below with reference to the accompanying drawings. The content is for explanation rather than limitation of the present invention.

[0022] It should be noted that the terms "comprising" and "having" and any variations thereof in the specification and claims of this invention are intended to cover a non-exclusive inclusion. For example, a process, method, system, product, or device that includes a series of steps or units is not necessarily limited to those steps or units that are explicitly listed, but may include other steps or units that are not explicitly listed or that are inherent to such processes, methods, systems, products, or devices.

[0023] First, let's explain the technical terms used in this embodiment: Discounted cash flow: A cash flow is typically defined as a series of inflows and outflows of funds over a specific period of time. For example, a cash flow can be defined as:

[0024] Among them, capital inflow Positive, indicating capital outflow. Negative, .

[0025] Subscript This index represents points in time, where these points are evenly distributed, such as the end of each month or the end of each year. Discounted cash flow (DCF) refers to the sum of the values ​​of a series of cash flows discounted to a specific point in time using a discount factor. For example, discounting cash flows using the discount rate... Discounting to the last period can be expressed as:

[0026] Discounting to the first period can be expressed as: , The two discounting methods are equivalent:

[0027] Discounted cash flows are calculated using compound interest. The discount rate here can be seen as the rate of return based on a certain period of time. This rate of return takes into account the time value of all cash flows and can also be seen as the effective return level of the investment.

[0028] Internal rate of return: Based on the above or The concept, for any complete cash flow It can just meet or Undetermined coefficients that are equal to 0 This is the Internal Rate of Return (IRR), which can be understood as the target rate of return that enables cash inflows to cover cash outflows; it is the rate of return that makes the internal costs and benefits of the entire cash flow self-consistent and aligned. For example, calculating IRR requires solving the following equation: (1) The IRR calculated here has absolutely no relation to the actual interest rate in the market; it is entirely determined by the cash flow itself, hence it is called the internal rate of return.

[0029] Required Rate of Return (RRR): There are various interpretations of the Required Rate of Return (RRR), and its meaning often differs depending on the financial context. The RRR discussed in this invention primarily addresses discounted cash flow. RRR represents a certain level of return that must be achieved to meet consumption goals. For example, if an investor needs to make monthly mortgage payments, the required monthly rate of return to cover these payments is the RRR. RRR is unrelated to the real market and differs from IRR. RRR is a rate of return specifically for inflows of funds; outflows are governed by a more suitable interest rate, such as a lending rate, which can be understood as the cost of using those funds.

[0030] Wealth goal management, also known as cash flow planning or goal-based investing, is a popular international personal wealth management concept and methodology. It aims to ensure that a client's investment portfolio carries risks commensurate with their financial goals, rather than taking on unnecessary risks in pursuit of returns. Securities firms and banks use this tool to provide investment advice to clients. For example, based on a client's initial capital, future investment, retirement age, and the timeframe, amount, and priority of their financial goals, they can simulate and predict future market conditions to determine the optimal dynamic asset allocation and capital distribution strategies, and predict the probability of achieving each goal.

[0031] In implementation, the client's initial capital, future capital inflows and outflows together constitute a complete cash flow model. Using a discounted cash flow (DCF) model, the optimal rate of return to cover cash outflows can be calculated, providing investors with clear return targets and a clear understanding of their desired return levels, thus enabling effective future financial planning. Through this systematic approach, clients not only grasp the path to wealth growth but also remain calm and rational in the face of market fluctuations, ensuring their wealth management strategies remain aligned with their personal goals, ultimately achieving financial freedom and improved quality of life. Therefore, a crucial part of classic wealth goal management involves solving a single-dimensional cash flow model. The equation is used to obtain IRR, i.e., the above equation (1). The part in (1) is... Replace with Its general form is: (2) According to Galois theory, when At that time, the above equation (2) does not have a direct algebraic solution formula and needs to be solved by numerical calculation methods such as the bisection method and Newton's method. Such numerical calculation can be completed by calling some programming language toolboxes such as Python's NumPy library. The solution of the discounted cash flow model seems simple. However, if the cash flow turns positive and negative multiple times in the life cycle (for example, there is an expenditure first and then a revenue, and then there is an expenditure again), there may be multiple IRRs. This is because the relationship between the discount rate and NPV in the net present value (NPV) diagram may have multiple intersections. When the cash flow changes in complexity, the curve may fluctuate, which may result in the number of solutions to the power equation of the above equation (2) being non-unique. In some cases, the IRR equation may not have a positive solution, such as the following equation:

[0032] This equation has two complex solutions and one negative solution. In practical applications, if the discount equation has the above form, no suitable IRR can be derived. Of the many possible solutions to the IRR, only one is the correct answer; the others are pseudo-solutions, not true solutions. Therefore, the key issue in solving the IRR problem is finding the correct solution. Without explicit guidance, investors often need to manually analyze cash flows to determine which IRR is more suitable. In this situation, inappropriate choices frequently occur and may mislead the achievement of wealth goals.

[0033] Therefore, as Figure 1 As shown, this embodiment provides a cash flow data processing method, including the following steps: S1, obtain user cash flow data; Specifically, the first step is to collect and organize user cash flow data. A typical cash flow planning structure includes the following three basic components: Current balance data: This represents the total amount of funds available to a user at a specific point in time, typically originating from bank accounts, investment accounts, etc.

[0034] Future Income Data: This is the user's expected income, including salary, bonuses, investment returns, etc. This data reflects the user's future cash inflows, and the amount and timing of each income stream must be clearly stated.

[0035] Expenditure Target Data: This section covers users' anticipated expenditures, including daily consumption, major expenses (such as home purchases, education, etc.), and other financial goals. These expenditures reflect users' future cash outflows and must specify the amount and timing.

[0036] These three components are integrated onto a single timeline, and then the cash inflows and outflows at each time point on the timeline are netted to obtain the total net cash flow, which serves as the user's cash flow data.

[0037] S2 reorganizes user cash flow data to obtain net cash flow data with a uniform time distribution; net cash flow data includes: net cash inflow data and net cash outflow data; Specifically, the user cash flow data is adjusted to a preset standard time point. Netting is performed on the cash inflows and outflows at each preset standard time point to obtain net cash flow data with a uniform time distribution. In other words, the user cash flow data is transformed to a uniform time point. Taking the end of each month as the standard time point as an example, the user cash flow data is reorganized to summarize cash flow events occurring at different times into a unified time frame, facilitating subsequent discounting. For cash flows occurring in the middle of the month, such as income and expenses, adjustments can be made based on the bank's monthly deposit interest rate, thus returning the user cash flow data to the end of the month. This can be achieved using the following formula:

[0038] The number of days refers to the number of days from the occurrence of the user's cash flow data to the end of the month. After adjustment, all cash flows are netted at the end of the month to obtain net cash flow data with a uniform time distribution.

[0039] Net cash inflow Positive, net outflow of cash flow Negative, subscript Representing each issue, Net cash inflow is used as net cash inflow data, and net cash outflow is used as net cash outflow data.

[0040] S3, discount the net cash outflow data to the target time point of the cash flow plan according to the preset interest rate to obtain the total discounted value of net outflow cash flow; where the target time point is usually the last period of the cash flow plan, but not limited to the last period; The data on net cash inflows and net cash outflows are distinguished. This is net cash inflow data. This is for net cash outflow data. Here, we assume that the user's balance is non-negative; if it is greater than zero, it is counted as an inflow.

[0041] Discounting all net cash outflows at a certain interest rate to the final period of the overall cash flow plan, with the final period being the target time point, involves calculating the cash flows from these liabilities. The interest rate here is the lending rate. :

[0042] in This represents the set of time points corresponding to all net cash outflow data. At this point, cash flow planning becomes several inflow items and one outflow item.

[0043] S4. Based on the total discounted value of net outflow cash flow and net inflow cash data, establish and solve the discount equation at the target time point to obtain the required rate of return.

[0044] Discounting the inflows to the last period using the undetermined RRR to ensure that inflows and outflows are equal, the required discounting equation is: (3) Where K is the set of time points corresponding to all net cash inflow data, r is the required rate of return, k is the time point index corresponding to a single net cash inflow data, CF_k is the net cash inflow data at time point k, n is the time point index for cash flow planning, and FV^OUT is the total discounted value of net cash outflow.

[0045] Solving the above discounted equation yields the following three solutions: (1) When there is a net inflow before the last period and a net outflow in the last period, the inflow is discounted to the last period according to the undetermined RRR to make the inflow and outflow equal. At this time, the left side of the discount equation (3) to be solved is a factor related to the discount rate. A strictly increasing function, the right-hand side If the value is greater than 0, the equation must have a unique positive real solution, and solving the discounted equation will yield the required RRR.

[0046] (2) When there is no net inflow before the last period and the last period is a net outflow, the cash flow discounted to the last period is a net outflow, indicating that the investment is insufficient, that is, a suitable RRR cannot be found. That is, when the net cash flow data in the time nodes before the target time point (the last period) mentioned in the cash flow planning is negative or zero, and the net cash flow data at the target time point is negative, then there is no necessary rate of return.

[0047] (3) When all net outflow cash flows are discounted to the last period, the last period is a net inflow. This means that regardless of whether there are inflow cash flows in the previous period, the inflow in the last period can always cover the outflow cash flows in the previous period. Therefore, the reference RRR is 0. That is, when the net cash flow data at the target time point (the last period) in the cash flow planning is positive and greater than the total discounted value of the net outflow cash flows, the required rate of return is zero.

[0048] Finally, select the corresponding investment product based on the required rate of return: (1) When RRR is greater than 0, data from various investable products are integrated, including stocks, bonds, funds, real estate, etc., covering key indicators such as their historical performance and expected rate of return. Based on the calculated RRR, investment products with expected rates of return higher than or close to RRR are selected, and these investment products can be used as investment targets for users.

[0049] (2) When RRR does not exist, it means that the user's income is insufficient and the user needs to be prompted to increase their personal income in order to achieve a series of future financial goals.

[0050] (3) When RRR equals 0, it means that the user's expected future income can fully cover the financial goals. In this case, there is no need for excessive investment planning. It is recommended that the user choose stable investment targets, such as fixed-income assets.

[0051] Traditional methods for calculating IRR typically yield non-unique solutions. This is often due to the high complexity of cash flows in the real world, leading to significant volatility in the NPV curve and the presence of multiple zeros. To address this issue, this embodiment first separates inflow and outflow cash flows, discounting all outflow cash flows to the final period of the cash flow planning using the lending rate. Then, it uses the undetermined RRR to discount inflow cash flows to the final period, ensuring that inflows and outflows are equal. Finally, solving this discount equation yields a unique RRR, thereby improving the stability of the entire wealth goal management process.

[0052] like Figure 2 As shown, this embodiment provides a cash flow data processing system, including: The cash flow data acquisition module is used to acquire user cash flow data; The cash flow data restructuring module is used to restructure user cash flow data to obtain net cash flow data with a uniform time distribution; net cash flow data includes: net cash inflow data and net cash outflow data; The net outflow cash flow conversion module is used to convert net outflow cash data to the target time point of cash flow planning according to a preset interest rate, so as to obtain the total converted value of net outflow cash flow. The required rate of return calculation module is used to establish and solve a discount equation at a target time point based on the total discounted value of net outflow cash flow and net inflow cash data to obtain the required rate of return.

[0053] This embodiment discounts all outflowing cash flows to the last period of the cash flow planning using the lending rate, then solves the discount equation to calculate the Relative Rate of Return (RR), ensuring that the discount equation has a unique solution. Compared to traditional methods for calculating the IRR, this method exhibits better stability, providing more scientific and reliable support for personal and corporate financial decisions and promoting the development of the wealth management field.

[0054] The module division in this embodiment of the invention is illustrative and represents only one logical functional division. In actual implementation, other division methods may be used. Furthermore, the functional modules in the various embodiments of the invention can be integrated into a single processor, exist as separate physical entities, or be integrated into a single module. The integrated modules described above can be implemented in hardware or as software functional modules.

[0055] This embodiment also provides a computer device, which includes a processor and a memory. The memory stores a computer program (in this embodiment, the computer program includes computational components and iterative components, capable of model calculation and model updating). The computer program includes program instructions, and the processor executes the program instructions stored in the computer storage medium. The processor may be a Central Processing Unit (CPU), or it may be other general-purpose processors, digital signal processors (DSPs), application-specific integrated circuits (ASICs), field-programmable gate arrays (FPGAs), or other programmable logic devices, discrete gate or transistor logic devices, discrete hardware components, etc. It is the computing and control core of the terminal, and is suitable for implementing one or more instructions, specifically suitable for loading and executing one or more instructions in the computer storage medium to realize the corresponding method flow or corresponding function. The processor in this embodiment can be used for the operation of a cash flow data processing method.

[0056] This embodiment also provides a storage medium, specifically a computer-readable storage medium (Memory). A computer-readable storage medium is a memory device in a computer device used to store programs and data. It is understood that the computer-readable storage medium here can include both the built-in storage medium in the computer device and extended storage media supported by the computer device. The computer-readable storage medium provides storage space that stores the terminal's operating system. Furthermore, this storage space also stores one or more instructions suitable for loading and execution by a processor. These instructions can be one or more computer programs (including program code). It should be noted that the computer-readable storage medium here can be high-speed RAM or non-volatile memory, such as at least one disk storage device. The processor can load and execute one or more instructions stored in the computer-readable storage medium to implement the corresponding steps of the cash flow data processing method in the above embodiment.

[0057] This embodiment also provides a computer program product, which includes a computer program that, when executed by a processor, implements the corresponding steps of a cash flow data processing method described in the above embodiment.

[0058] Those skilled in the art will understand that embodiments of the present invention can be provided as methods, systems, or computer program products. Therefore, the present invention can take the form of a completely hardware embodiment, a completely software embodiment, or an embodiment combining software and hardware aspects. Furthermore, the present invention can take the form of a computer program product embodied on one or more computer-usable storage media (including, but not limited to, disk storage, CD-ROM, optical storage, etc.) containing computer-usable program code.

[0059] This invention is described with reference to flowchart illustrations and / or block diagrams of methods, apparatus (systems), and computer program products according to embodiments of the invention. It will be understood that each block of the flowchart illustrations and / or block diagrams, and combinations of blocks in the flowchart illustrations and / or block diagrams, can be implemented by computer program instructions. These computer program instructions can be provided to a processor of a general-purpose computer, special-purpose computer, embedded processor, or other programmable data processing apparatus to produce a machine, such that the instructions, which execute via the processor of the computer or other programmable data processing apparatus, generate instructions for implementing the flowchart illustrations and / or block diagrams. Figure 1 One or more processes and / or boxes Figure 1 A device that provides the functions specified in one or more boxes.

[0060] These computer program instructions may also be stored in a computer-readable storage medium that can direct a computer or other programmable data processing device to function in a particular manner, such that the instructions stored in the computer-readable storage medium produce an article of manufacture including instruction means, which are implemented in a process Figure 1 One or more processes and / or boxes Figure 1 The function specified in one or more boxes.

[0061] These computer program instructions may also be loaded onto a computer or other programmable data processing equipment to cause a series of operational steps to be performed on the computer or other programmable equipment to produce a computer-implemented process, thereby providing instructions that execute on the computer or other programmable equipment for implementing the process. Figure 1 One or more processes and / or boxes Figure 1 The steps of the function specified in one or more boxes.

[0062] Finally, it should be noted that the above embodiments are only used to illustrate the technical solutions of the present invention and not to limit it. Although the present invention has been described in detail with reference to the above embodiments, those skilled in the art should understand that modifications or equivalent substitutions can still be made to the specific implementation of the present invention. Any modifications or equivalent substitutions that do not depart from the spirit and scope of the present invention should be covered within the scope of protection of the claims of the present invention.

Claims

1. A cash flow data processing method, characterized in that, Includes the following steps: Obtain user cash flow data; The user cash flow data is reorganized to obtain net cash flow data with a uniform time distribution; The net cash flow data includes: net cash inflow data and net cash outflow data; The net cash outflow data is discounted to the target time point of the cash flow planning according to the preset interest rate to obtain the total discounted value of net cash outflow. Based on the total discounted value of net outflow cash flow and net inflow cash data, a discount equation is established and solved at the target time point to obtain the required rate of return.

2. The cash flow data processing method according to claim 1, characterized in that, Obtaining user cash flow data includes: The system acquires the user's current balance data, future income data, and expenditure target data and integrates them onto a timeline. It then performs netting calculations on the cash inflows and outflows at each time point on the timeline to obtain the user's cash flow data.

3. The cash flow data processing method according to claim 1, characterized in that, The user cash flow data is reorganized to obtain net cash flow data with a uniform time distribution, including: The user cash flow data is adjusted to a preset standard time point, and the cash inflows and outflows at each preset standard time point are netted to obtain net cash flow data with uniform time distribution.

4. The cash flow data processing method according to claim 1, characterized in that, The discount equation includes: in, This is the set of time points corresponding to all net cash inflow data. For the required rate of return, For each individual net cash inflow data point, an index is provided. To be at the time node Net cash inflow data, A timeline for cash flow planning. This represents the total discounted value of net outflow cash flow.

5. The cash flow data processing method according to claim 1, characterized in that, Also includes: If the net cash flow data at time points before the target time point in the cash flow planning is negative or zero, and the net cash flow data at the target time point is negative, then there is no necessary rate of return.

6. The cash flow data processing method according to claim 1, characterized in that, Also includes: When the net cash flow data at the target time point in the cash flow planning is positive and greater than the total discounted value of the net outflow cash flow, the required rate of return is zero.

7. A cash flow data processing system, characterized in that, include: The cash flow data acquisition module is used to acquire user cash flow data; The cash flow data restructuring module is used to restructure the user's cash flow data to obtain net cash flow data with a uniform time distribution. The net cash flow data includes: net cash inflow data and net cash outflow data; The net outflow cash flow conversion module is used to convert the net outflow cash data to the target time point of cash flow planning according to a preset interest rate, so as to obtain the total converted value of net outflow cash flow. The required rate of return calculation module is used to establish and solve a discount equation at the target time point based on the total discounted value of net outflow cash flow and net inflow cash data to obtain the required rate of return.

8. An electronic device, characterized in that, The method includes a memory, a processor, and a computer program stored in the memory and executable in the processor, wherein the processor, when executing the computer program, implements the steps of the cash flow data processing method according to any one of claims 1 to 6.

9. A computer-readable storage medium, characterized in that, The computer-readable storage medium stores a computer program that, when executed by a processor, implements the steps of the cash flow data processing method according to any one of claims 1 to 6.

10. A computer program product, the computer program product comprising a computer program, characterized in that, When the computer program is executed by the processor, it implements the steps of the cash flow data processing method according to any one of claims 1 to 6.

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