A financial intelligence management system based on multi-source data

Abstract

The application discloses a kind of financial intelligent management systems based on multi-source data, it is related to financial information field, solve the problem of low efficiency of financial data management, including data conversion module, fund dimension management module and profit and loss analysis module;The data conversion module is used to form fund flow data by mapping multi-source data to the composite primary key under department-project by target project identification corresponding responsible department;The fund dimension management module is used to decompose the fund flow condition of target project, obtain fund shortage signal, fund shortage date, gap amount, real-time net cash flow and cumulative total amount of collection;The profit and loss analysis module is used to analyze the profit situation of each project, obtain abnormal signal or normal signal, countermeasure scheme, type profit margin and department profit margin, the application realizes the efficient management of financial data by analyzing the profit situation and profit margin change of project and department.

Description

Technical Field

[0001] This invention relates to the field of financial information technology, specifically to a financial intelligent management system based on multi-source data. Background Technology

[0002] Intelligent financial management is a new management model that deeply integrates traditional financial management with cutting-edge technologies such as artificial intelligence, big data, and cloud computing. It aims to improve the efficiency of financial decision-making, optimize resource allocation, control risks, and promote the realization of corporate strategic goals through intelligent means. Its core is to transform finance from a "record-keeping" function to a "value-creating" function through technological empowerment.

[0003] Currently, corporate financial management systems are widely used in various economic organizations, resulting in diverse and complex data sources that may vary in format, storage method, update frequency, or collection standards. Current systems can only handle basic financial accounting and report generation; more in-depth management accounting, business and financial analysis, and data management rely entirely on manual work using Excel. This leads to a large amount of repetitive data entry, processing, and verification work, which consumes the main energy of financial personnel. Furthermore, relying on manual verification is prone to errors, resulting in low efficiency and high risk in financial data management, ultimately hindering timely assessment of project profitability.

[0004] Therefore, this invention proposes a financial intelligent management system based on multi-source data. Summary of the Invention

[0005] The purpose of this invention is to propose a financial intelligent management system based on multi-source data to solve the problems mentioned in the background art.

[0006] To achieve the above objectives, the present invention adopts the following technical solution:

[0007] A financial intelligent management system based on multi-source data includes a data acquisition module, a data transformation module, a capital dimension management module, and a profit and loss analysis module;

[0008] The data acquisition module is used to extract project budget data, contract signing information, contract payment node information, and actual income and expenditure records of any target project, summarize them into multi-source data, and send them to the data conversion module.

[0009] The data conversion module is used to identify the corresponding responsible department through the target project, and map multi-source data to the composite primary key of department-project to form cash flow data and send it to the cash dimension management module.

[0010] The capital dimension management module is used to decompose the capital flow status of the target project, send the obtained capital shortage signal to the early warning module, merge the obtained capital shortage date and the gap amount and send it to the database for storage, and send the obtained real-time net cash flow and cumulative total amount of receipts of the target project to the profit and loss analysis module.

[0011] The profit and loss analysis module is used to analyze the profitability of each project, send abnormal signals of project type and department to the alarm module; and send the countermeasures plan for each target project, the year-on-year profit margin of each project type and the year-on-year profit margin of each department to the database for storage.

[0012] Furthermore, the project types include software development, system integration, and operation and maintenance services; project budget data includes the overall budgeted revenue and total budgeted cost of the target project; contract signing information includes the contract amount, payment terms, and receipt terms for the target project; contract payment node information includes the payment amount and date for the corresponding payment node of the target project, and the payment amount and date for the payment node; actual income and expenditure records include the actual amount received, the actual date of receipt, the actual amount paid, and the actual date of payment for the target project.

[0013] Furthermore, the working process of the funds dimension management module is as follows:

[0014] Obtain the cash flow data of any target project, and record the overall budgeted revenue and total budgeted cost of the target project as the first layer of cash flow architecture - project budget layer;

[0015] The contract amount, collection terms, and payment terms of the target project are recorded as the second layer of the cash flow structure - the project contract layer;

[0016] The collection amount and collection date of the collection node corresponding to the target project, and the payment amount and payment date of the payment node are recorded as the third layer of the cash flow architecture - project node layer;

[0017] The actual amount received, the actual date of receipt, the actual amount paid, and the actual date of payment for the target project are recorded as the fourth layer of the cash flow architecture - the revenue and expenditure layer.

[0018] Record the current moment, combine it with the fourth layer of the cash flow structure to obtain all the repayment amounts of the target project before the current moment, and sum all the repayment amounts to obtain the total cumulative amount of the target project's revenue;

[0019] By combining the fourth-level cash flow structure, we can obtain all payment amounts for the target project up to the current moment, and sum all payment amounts to obtain the total cumulative payment amount for the target project.

[0020] Furthermore, the working process of the funds dimension management module also includes:

[0021] The real-time net cash flow of the target project is obtained by subtracting the total amount of payments from the total amount of total receipts.

[0022] Based on the third-layer cash flow architecture, the project node layer obtains the future repayment date, repayment amount, payment date, and payment amount of the target project; the payment date and repayment date are recorded as prediction nodes, and the predicted net cash flow corresponding to each prediction node is calculated based on the real-time cash flow calculation process;

[0023] Iterate through all projected net cash flows corresponding to the target project. If the projected cash flow is greater than or equal to zero, no action is taken. If the projected net cash flow is less than zero, take the absolute value of the projected cash flow and compare it with the gap threshold. If the absolute value of the corresponding projected cash flow is greater than or equal to the gap threshold, generate a funding shortage signal, record the prediction node as the funding shortage date, and record the absolute value of the projected cash flow as the gap amount. If the absolute value of the corresponding projected cash flow is less than the gap threshold, no action is taken.

[0024] Furthermore, the specific working process of the profit and loss analysis module is as follows:

[0025] All revenues of the target project during the analysis period are recorded as the project's cumulative total revenue, and all expenditures of the target project during the analysis period are recorded as the project's cumulative total cost.

[0026] The cumulative total profit of a project is obtained by subtracting the cumulative total cost of a project from its cumulative total revenue; the project profit margin of the target project is obtained by dividing the cumulative total profit of the project by the cumulative total revenue of the project.

[0027] Obtain the real-time net cash flow of all target projects, and pair the real-time net cash flow with the project profit margin based on the project number to obtain a joint profit-cash flow dataset;

[0028] Based on the profit-cash flow joint dataset, a four-quadrant profit and loss analysis framework for the target project is established, and countermeasures for the target project are formulated in conjunction with the profit and loss analysis framework.

[0029] Furthermore, the working process of the profit and loss analysis module also includes:

[0030] Based on the database query, all target projects of the same type are retrieved, and the cumulative total revenue corresponding to all target projects of the same type is summarized to obtain the cumulative total revenue of the type; the cumulative total cost corresponding to all target projects of the same type is summarized to obtain the cumulative total cost of the type.

[0031] The cumulative total profit of a type is obtained by subtracting the cumulative total cost of a type from the cumulative total revenue of that type. The type profit margin of the corresponding project type is obtained by dividing the cumulative total profit of the type by the cumulative total revenue of the type.

[0032] Obtain the historical type profit margin for the same project type in the previous quarter; obtain the quarter-on-quarter type profit margin by subtracting the historical type profit margin from the previous quarter from the current type profit margin and then dividing by the historical type profit margin from the previous quarter.

[0033] Based on the month-on-month comparison of the profit margin by type, we can obtain normal or abnormal signals for the corresponding project type.

[0034] The cumulative total revenue of multiple target projects corresponding to the same department number is summarized to obtain the cumulative total revenue of the corresponding department. The cumulative total cost of multiple target projects corresponding to the same department number is summarized to obtain the cumulative total cost of the corresponding department. The departmental profit margin is calculated using the method of calculating the year-on-year profit margin of the type, and then the normal or abnormal signal of the corresponding department is obtained.

[0035] Furthermore, the process of establishing the four quadrants for profit and loss analysis is as follows:

[0036] If the real-time cash flow of the target project is greater than or equal to zero and the project profit margin of the target project is greater than or equal to zero, then the target project is classified into the first quadrant of profit and loss.

[0037] If the real-time cash flow of the target project is less than zero and the project profit margin of the target project is greater than or equal to zero, then the target project is classified into the second quadrant of profit and loss.

[0038] If the real-time cash flow of the target project is less than zero and the project profit margin of the target project is less than zero, then the target project will be classified into the third quadrant of profit and loss.

[0039] If the real-time cash flow of the target project is greater than or equal to zero and the project profit margin of the target project is less than zero, then the target project will be classified into the fourth quadrant of profit and loss.

[0040] Furthermore, the specific process for setting the countermeasures is as follows:

[0041] Target projects located in the first quadrant of profit and loss are designated as healthy projects; target projects located in the second quadrant of profit and loss are designated as profit trap projects; target projects located in the third quadrant of profit and loss are designated as abnormal projects; and target projects located in the fourth quadrant of profit and loss are designated as profit concession projects.

[0042] The strategy for setting up a healthy project is to proceed normally while continuously monitoring gross profit margin and cash flow trends.

[0043] The countermeasures for setting up profit trap projects are: to vigorously collect debts and control advance payments to prevent book profits from consuming cash;

[0044] The countermeasures for abnormal projects are as follows: immediately conduct a stop-loss review and suspend unnecessary investments to prevent losses from escalating;

[0045] The strategy for setting up profit-sharing programs is to assess their strategic value and set a loss cap to avoid long-term resource consumption.

[0046] Furthermore, the process for obtaining normal or abnormal signals for the aforementioned project type is as follows:

[0047] The month-on-month change in the profit margin of a type is compared with the month-on-month threshold. If the month-on-month change in the profit margin of a type is greater than or equal to the month-on-month threshold, a normal signal is generated for the corresponding project type. If the month-on-month change in the profit margin of a type is less than the month-on-month threshold, an abnormal signal is generated for the corresponding project type.

[0048] The project profit margin is compared with the month-on-month threshold. If the project profit margin is greater than or equal to the month-on-month threshold, a normal signal is generated for the corresponding project type; if the project profit margin is less than the month-on-month threshold, an abnormal signal is generated for the corresponding project type.

[0049] In summary, due to the adoption of the above technical solution, the beneficial effects of the present invention are:

[0050] 1. This invention first extracts project budget data, contract signing information, contract payment node information, and actual income and expenditure records of any target project through the data acquisition module, summarizes them into multi-source data, and sends them to the data conversion module; then, the data conversion module identifies the corresponding responsible department through the target project, maps the multi-source data to the department-project composite primary key, forms cash flow data, and sends it to the cash dimension management module, thereby realizing the structured processing of multi-source data.

[0051] 2. This invention decomposes the cash flow status of the target project through the capital dimension management module, sends the obtained capital shortage signal to the early warning module, merges the obtained capital shortage date and the shortfall amount and sends it to the database for storage, and sends the obtained real-time net cash flow and cumulative total amount of receipts of the target project to the profit and loss analysis module, so as to realize the real-time decomposition of cash flow and early identification of shortage signals.

[0052] 3. This invention analyzes the profitability of each project through a profit and loss analysis module, and sends abnormal signals of project type and department to an alarm module; it sends the countermeasures plan for each target project, the year-on-year profit margin of each project type, and the year-on-year profit margin of each department to the database for storage. By analyzing the profitability of projects and departments and the year-on-year changes in profit margin, anomalies can be detected in a timely manner and countermeasures can be output, thereby achieving efficient management of financial data. Attached Figure Description

[0053] To facilitate understanding by those skilled in the art, the present invention will be further described below with reference to the accompanying drawings.

[0054] Figure 1 This is an overall system block diagram of the present invention;

[0055] Figure 2 This is a hierarchical diagram of the company, department, and project relationships in this invention;

[0056] Figure 3 This invention relates to a method flowchart. Detailed Implementation

[0057] 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.

[0058] Example 1: Please refer to Figure 1 and Figure 2 As shown, the technical solution provided by the present invention is: a financial intelligent management system based on multi-source data, including a data acquisition module, a data conversion module, a database, a capital dimension management module, a profit and loss analysis module, a mobile terminal, and an early warning module;

[0059] The database is used to store the target projects that each department within the company is responsible for, as well as the project type corresponding to each project, which are entered by the user; among them, project types include software development, system integration, and operation and maintenance services, etc.

[0060] The data acquisition module is used to extract project budget data, contract signing information, contract payment node information, and actual income and expenditure records for any target project, summarize them into multi-source data, and send them to the data conversion module. Among them, the project budget data includes the overall budget revenue and total budget cost of the target project, etc., and can be extracted from the enterprise resource planning, project management system, and contract management system through the company's ETL process.

[0061] The contract signing information includes the contract amount corresponding to the target project, payment terms (such as payment, progress payment or warranty deposit ratio), and payment terms; the contract payment node information includes the payment amount and payment date for the corresponding payment node of the target project, and the payment amount and payment date for the payment node; the actual income and expenditure record includes the actual amount received, the actual date of receipt, the actual amount paid, and the actual date of payment for the target project.

[0062] The data conversion module is used to identify the corresponding responsible department through the target project, and map multi-source data to the composite primary key of department-project to form cash flow data and send it to the cash dimension management module.

[0063] The funds dimension management module is used to decompose the cash flow status of the target project. The working process of the funds dimension management module is as follows:

[0064] Obtain the cash flow data of any target project, and record the overall budgeted revenue and total budgeted cost of the target project as the first layer of cash flow architecture - project budget layer;

[0065] The contract amount, collection terms, and payment terms of the target project are recorded as the second layer of the cash flow structure - the project contract layer;

[0066] The collection amount and collection date of the collection node corresponding to the target project, and the payment amount and payment date of the payment node are recorded as the third layer of the cash flow architecture - project node layer;

[0067] The actual amount received, the actual date of receipt, the actual amount paid, and the actual date of payment for the target project are recorded as the fourth layer of the cash flow architecture - the revenue and expenditure layer.

[0068] It should be noted that the project budget layer stores the overall revenue and expenditure budget information for the target project; the project contract layer records the core information of all contracts directly related to the target project (including sales contracts and purchase contracts); the project milestone layer, based on the terms of the contract layer, refines the details to specific performance milestones and payment milestones. Each milestone includes the planned completion time, the amount due / payable, and the milestone status; the revenue and expenditure layer records every actual receipt and payment transaction of the target project and calculates the net cash flow at the project level in real time.

[0069] Record the current moment, combine it with the fourth layer of the cash flow structure to obtain all the repayment amounts of the target project before the current moment, and sum all the repayment amounts to obtain the total cumulative amount of the target project's revenue;

[0070] By combining the fourth-level cash flow architecture, we can obtain all payment amounts for the target project up to the current moment, and sum all payment amounts to obtain the total cumulative payment amount for the target project.

[0071] The real-time net cash flow of the target project is obtained by subtracting the total amount of payments from the total amount of total receipts.

[0072] Based on the third-layer cash flow architecture, the project node layer obtains the future repayment date, repayment amount, payment date, and payment amount of the target project; the payment date and repayment date are recorded as prediction nodes, and the predicted net cash flow corresponding to each prediction node is calculated based on the real-time cash flow calculation process;

[0073] Iterate through all predicted net cash flows corresponding to the target project. If the predicted cash flow is greater than or equal to zero, no action is taken. If the predicted net cash flow is less than zero, take the absolute value of the predicted cash flow and compare it with the gap threshold. If the absolute value of the corresponding predicted cash flow is greater than or equal to the gap threshold, generate a funding shortage signal, record the predicted node as the funding shortage date, and record the absolute value of the predicted cash flow as the gap amount. If the absolute value of the corresponding predicted cash flow is less than the gap threshold, no action is taken.

[0074] The funding dimension management module sends a funding shortage signal to the early warning module, merges the funding shortage date and the amount of the shortfall and sends it to the database for storage; it also sends the real-time net cash flow and total cumulative receipts of the target project to the profit and loss analysis module.

[0075] Furthermore, the profit and loss analysis module is used to analyze the profitability of each project. The specific analysis process is as follows:

[0076] All revenues of the target project during the analysis period are recorded as the project's cumulative total revenue, and all expenditures of the target project during the analysis period are recorded as the project's cumulative total cost. The cumulative total revenue and cumulative total expenditure are calculated using the fourth-level cash flow structure. The analysis period is a preset time period, preferably one month.

[0077] The cumulative total profit of a project is obtained by subtracting the cumulative total cost of a project from its cumulative total revenue; the project profit margin of the target project is obtained by dividing the cumulative total profit of the project by the cumulative total revenue of the project.

[0078] Obtain the real-time net cash flow of all target projects, and pair the real-time net cash flow with the project profit margin based on the project number to obtain a joint profit-cash flow dataset;

[0079] Based on the profit-cash flow joint dataset, a four-quadrant analysis of the target project's profit and loss is established, and a countermeasure plan for the target project is set in combination with the four-quadrant analysis of the profit and loss;

[0080] The profit and loss analysis includes four quadrants: the first quadrant, the second quadrant, the third quadrant, and the fourth quadrant.

[0081] Specifically, target projects located in the first quadrant of profit and loss are healthy projects; target projects located in the second quadrant of profit and loss are profit trap projects; target projects located in the third quadrant of profit and loss are abnormal projects; and target projects located in the fourth quadrant of profit and loss are profit-sharing projects.

[0082] The strategy for the health project is to proceed as normal, while continuously monitoring gross profit margin and cash flow trends.

[0083] The countermeasures for profit trap projects are: to vigorously collect debts and control advance payments to prevent book profits from consuming cash;

[0084] The countermeasures for abnormal projects are: immediately conduct a stop-loss review and suspend unnecessary investments to prevent losses from escalating;

[0085] The solution for projects that require concessions is to assess their strategic value and set a loss cap to avoid long-term resource consumption.

[0086] The specific process of establishing the four quadrants for profit and loss analysis is as follows:

[0087] If the real-time cash flow of the target project is greater than or equal to zero and the project profit margin is greater than or equal to zero, then the target project is classified into the first quadrant of profit and loss; if the real-time cash flow of the target project is less than zero and the project profit margin is greater than or equal to zero, then the target project is classified into the second quadrant of profit and loss; if the real-time cash flow of the target project is less than zero and the project profit margin is less than zero, then the target project is classified into the third quadrant of profit and loss; if the real-time cash flow of the target project is greater than or equal to zero and the project profit margin is less than zero, then the target project is classified into the fourth quadrant of profit and loss.

[0088] Based on the database query, all target projects of the same type are retrieved, and the cumulative total revenue corresponding to all target projects of the same type is summarized to obtain the cumulative total revenue of the type; the cumulative total cost corresponding to all target projects of the same type is summarized to obtain the cumulative total cost of the type.

[0089] Examples include items such as:

[0090]

[0091] When calculating the total cumulative revenue for software development projects, simply add the total cumulative revenue of project A and project B together.

[0092] The cumulative total profit of a type is obtained by subtracting the cumulative total cost of a type from the cumulative total revenue of that type. The type profit margin of the corresponding project type is obtained by dividing the cumulative total profit of the type by the cumulative total revenue of the type.

[0093] Obtain the historical type profit margin for the same project type in the previous quarter; obtain the quarter-on-quarter type profit margin by subtracting the historical type profit margin from the previous quarter from the current type profit margin and then dividing by the historical type profit margin from the previous quarter.

[0094] Based on the month-on-month comparison of the profit margin by type, we can obtain normal or abnormal signals for the corresponding project type.

[0095] Specifically, the month-on-month change in the type profit margin is compared with a month-on-month threshold. If the month-on-month change in the type profit margin is greater than or equal to the month-on-month threshold, a normal signal is generated; if the month-on-month change in the type profit margin is less than the month-on-month threshold, an abnormal signal is generated. The month-on-month threshold is a constant.

[0096] The cumulative total revenue of multiple target projects corresponding to the same department number is summarized to obtain the cumulative total revenue of the corresponding department. The cumulative total cost of multiple target projects corresponding to the same department number is summarized to obtain the cumulative total cost of the corresponding department. The departmental profit margin is calculated using the calculation process of type profit margin month-on-month, and then the normal or abnormal signal of the corresponding department is obtained.

[0097] The profit and loss analysis module sends abnormal signals of project types and departments to the alarm module; it also sends the countermeasures for each target project, the year-on-year profit margin of each project type, and the year-on-year profit margin of each department to the database for storage.

[0098] The early warning module is used to issue warnings based on signals of funding shortage or abnormal signals.

[0099] The mobile terminal is held by the user and is bound to the user's permission level. The user can access data that can be accessed at the corresponding permission level in the database storage through the mobile terminal.

[0100] For example, a project manager can only access the countermeasures for the target projects under their responsibility; a department manager can access the department's profit margin year-on-year and the countermeasures for all target projects managed by the department.

[0101] Example 2: Please refer to Figure 3 As shown, based on another concept of the same invention, a financial intelligent management method based on multi-source data is proposed, comprising the following steps:

[0102] Step S101: Extract project budget data, contract signing information, contract payment node information, and actual income and expenditure records for any target project and summarize them into multi-source data;

[0103] Step S102: Identify the relevant responsible department through the target project, and map the multi-source data to the composite primary key of department-project to form cash flow data;

[0104] Step S103: Decompose the cash flow status of the target project to obtain the cash shortage signal, cash shortage date, gap amount, real-time net cash flow and total cumulative receipts;

[0105] Step S104: Analyze the profitability of each project to obtain abnormal or normal signals for each project type and department, as well as the year-on-year change in the type profit margin of each target project's countermeasure plan and the departmental profit margin of each department.

[0106] Step S105: Issue a warning based on funding shortage signals or abnormal signals for each project type and department.

[0107] The preferred embodiments of the present invention disclosed above are merely illustrative of the invention. These preferred embodiments do not exhaustively describe all details, nor do they limit the invention to any specific implementation. Clearly, many modifications and variations can be made based on the content of this specification. This specification selects and specifically describes these embodiments to better explain the principles and practical applications of the invention, thereby enabling those skilled in the art to better understand and utilize the invention. The invention is limited only by the claims and their full scope and equivalents.

Claims

1. A financial intelligence management system based on multi-source data, characterized in that, It includes a data acquisition module, a data conversion module, a capital dimension management module, and a profit and loss analysis module; The data acquisition module is used to extract project budget data, contract signing information, contract payment node information, and actual income and expenditure records of any target project, summarize them into multi-source data, and send them to the data conversion module. The data conversion module is used to identify the corresponding responsible department through the target project, and map multi-source data to the composite primary key of department-project to form cash flow data and send it to the cash dimension management module. The capital dimension management module is used to decompose the capital flow status of the target project, send the obtained capital shortage signal to the early warning module, merge the obtained capital shortage date and the gap amount and send it to the database for storage, and send the obtained real-time net cash flow and cumulative total amount of receipts of the target project to the profit and loss analysis module. The profit and loss analysis module is used to analyze the profitability of each project, send abnormal signals of project type and department to the alarm module; and send the countermeasures plan for each target project, the year-on-year profit margin of each project type and the year-on-year profit margin of each department to the database for storage.

2. The financial intelligence management system based on multi-source data according to claim 1, characterized in that, The project types include software development, system integration, and operation and maintenance services; project budget data includes the overall budgeted revenue and total budgeted cost of the target project; contract signing information includes the contract amount, payment terms, and receipt terms for the target project; contract payment node information includes the payment amount and date for the corresponding payment node of the target project, and the payment amount and date for the payment node; actual income and expenditure records include the actual amount received, the actual date of receipt, the actual amount paid, and the actual date of payment for the target project.

3. The financial intelligence management system based on multi-source data according to claim 1, characterized in that, The specific working process of the funds management module is as follows: Obtain the cash flow data of any target project, and record the overall budgeted revenue and total budgeted cost of the target project as the first layer of cash flow architecture - project budget layer; The contract amount, collection terms, and payment terms of the target project are recorded as the second layer of the cash flow structure - the project contract layer; The collection amount and collection date of the collection node corresponding to the target project, and the payment amount and payment date of the payment node are recorded as the third layer of the cash flow architecture - project node layer; The actual amount received, the actual date of receipt, the actual amount paid, and the actual date of payment for the target project are recorded as the fourth layer of the cash flow architecture - the revenue and expenditure layer. Record the current moment, combine it with the fourth layer of the cash flow structure to obtain all the repayment amounts of the target project before the current moment, and sum all the repayment amounts to obtain the total cumulative amount of the target project's revenue; By combining the fourth-level cash flow structure, we can obtain all payment amounts for the target project up to the current moment, and sum all payment amounts to obtain the total cumulative payment amount for the target project.

4. The financial intelligence management system based on multi-source data according to claim 3, characterized in that, The working process of the funds dimension management module also includes: The real-time net cash flow of the target project is obtained by subtracting the total amount of payments from the total amount of total receipts. Based on the third-layer cash flow architecture, the project node layer obtains the future repayment date, repayment amount, payment date, and payment amount of the target project; the payment date and repayment date are recorded as prediction nodes, and the predicted net cash flow corresponding to each prediction node is calculated based on the real-time cash flow calculation process; Iterate through all projected net cash flows corresponding to the target project. If the projected cash flow is greater than or equal to zero, no action is taken. If the projected net cash flow is less than zero, take the absolute value of the projected cash flow and compare it with the gap threshold. If the absolute value of the corresponding projected cash flow is greater than or equal to the gap threshold, generate a funding shortage signal, record the prediction node as the funding shortage date, and record the absolute value of the projected cash flow as the gap amount. If the absolute value of the corresponding projected cash flow is less than the gap threshold, no action is taken.

5. A financial intelligent management system based on multi-source data according to claim 1, characterized in that, The specific working process of the profit and loss analysis module is as follows: All revenues of the target project during the analysis period are recorded as the project's cumulative total revenue, and all expenditures of the target project during the analysis period are recorded as the project's cumulative total cost. The cumulative total profit of a project is obtained by subtracting the cumulative total cost of the project from the cumulative total revenue of the project. The project profit margin is obtained by dividing the project's cumulative total profit by the project's cumulative total revenue. Obtain the real-time net cash flow of all target projects, and pair the real-time net cash flow with the project profit margin based on the project number to obtain a joint profit-cash flow dataset; Based on the profit-cash flow joint dataset, a four-quadrant profit and loss analysis framework for the target project is established, and countermeasures for the target project are formulated in conjunction with the profit and loss analysis framework.

6. A financial intelligent management system based on multi-source data according to claim 5, characterized in that, The working process of the profit and loss analysis module also includes: Based on the database query, all target projects of the same type are retrieved, and the cumulative total revenue corresponding to all target projects of the same type is summarized to obtain the cumulative total revenue of the type; the cumulative total cost corresponding to all target projects of the same type is summarized to obtain the cumulative total cost of the type. The cumulative total profit of a type is obtained by subtracting the cumulative total cost of a type from the cumulative total revenue of that type. The type profit margin of the corresponding project type is obtained by dividing the cumulative total profit of the type by the cumulative total revenue of the type. Obtain the historical type profit margin for the same project type in the previous quarter; obtain the quarter-on-quarter type profit margin by subtracting the historical type profit margin from the previous quarter from the current type profit margin and then dividing by the historical type profit margin from the previous quarter. Based on the month-on-month comparison of the profit margin by type, we can obtain normal or abnormal signals for the corresponding project type. The cumulative total revenue of multiple target projects corresponding to the same department number is summarized to obtain the cumulative total revenue of the corresponding department. The cumulative total cost of multiple target projects corresponding to the same department number is summarized to obtain the cumulative total cost of the corresponding department. The departmental profit margin is calculated using the method of calculating the year-on-year profit margin of the type, and then the normal or abnormal signal of the corresponding department is obtained.

7. A financial intelligent management system based on multi-source data according to claim 5, characterized in that, The process of establishing the four quadrants for profit and loss analysis is as follows: If the real-time cash flow of the target project is greater than or equal to zero and the project profit margin of the target project is greater than or equal to zero, then the target project is classified into the first quadrant of profit and loss. If the real-time cash flow of the target project is less than zero and the project profit margin of the target project is greater than or equal to zero, then the target project is classified into the second quadrant of profit and loss. If the real-time cash flow of the target project is less than zero and the project profit margin of the target project is less than zero, then the target project will be classified into the third quadrant of profit and loss. If the real-time cash flow of the target project is greater than or equal to zero and the project profit margin of the target project is less than zero, then the target project will be classified into the fourth quadrant of profit and loss.

8. A financial intelligent management system based on multi-source data according to claim 5, characterized in that, The specific process for setting the countermeasures is as follows: Target projects located in the first quadrant of profit and loss are designated as healthy projects; target projects located in the second quadrant of profit and loss are designated as profit trap projects; target projects located in the third quadrant of profit and loss are designated as abnormal projects; and target projects located in the fourth quadrant of profit and loss are designated as profit concession projects. The strategy for setting up a healthy project is to proceed normally while continuously monitoring gross profit margin and cash flow trends. The countermeasures for setting up profit trap projects are: to vigorously collect debts and control advance payments to prevent book profits from consuming cash; The countermeasures for abnormal projects are as follows: immediately conduct a stop-loss review and suspend unnecessary investments to prevent losses from escalating; The strategy for setting up profit-sharing programs is to assess their strategic value and set a loss cap to avoid long-term resource consumption.

9. A financial intelligent management system based on multi-source data according to claim 6, characterized in that, The specific process for obtaining normal or abnormal signals for the project type is as follows: The month-on-month change in the profit margin of a type is compared with the month-on-month threshold. If the month-on-month change in the profit margin of a type is greater than or equal to the month-on-month threshold, a normal signal is generated for the corresponding project type. If the month-on-month change in the profit margin of a type is less than the month-on-month threshold, an abnormal signal is generated for the corresponding project type. The project profit margin is compared with the month-on-month threshold. If the project profit margin is greater than or equal to the month-on-month threshold, a normal signal for the corresponding project type is generated. If the project's profit margin is less than the month-on-month threshold, an abnormal signal for the corresponding project type will be generated.

Images