CN-121981840-A - Cost management method and system based on multidimensional dynamic evaluation and dynamic threshold

CN121981840ACN 121981840 ACN121981840 ACN 121981840ACN-121981840-A

Abstract

The invention discloses a cost management method and system based on multidimensional dynamic evaluation and dynamic threshold values, wherein the cost management method and system comprises the steps of calculating a plurality of evaluation indexes corresponding to each period dimension based on application information and redemption information of a scheme to be evaluated, determining a current evaluation index value of the scheme to be evaluated in a target period dimension, acquiring an early warning threshold value and a forbidden threshold value corresponding to the attribute of the scheme to be evaluated and the target period dimension, generating a first instruction for forbidding execution of cost operation if the current evaluation index value is not smaller than the forbidden threshold value, and generating a second instruction for carrying out risk prompt on the cost execution process of the scheme to be evaluated or generating a third instruction for allowing the cost operation of the scheme to be evaluated to continue execution according to a comparison result of the current evaluation index value and the early warning threshold value if the current evaluation index value is not smaller than the forbidden threshold value. The invention solves the problems of single dimension, threshold value rigidness, early warning lag and the like of the traditional cost budget control, and realizes the improvement of the precision and the intelligent level of the cost budget control.

Inventors

ZHANG HUILIN
CHEN Shazhi
DING HONGYUAN
Wu Saiyue
WANG YUYING
YANG XIAOLONG
WANG LIJIE

Assignees

阳光人寿保险股份有限公司

Dates

Publication Date: 20260505
Application Date: 20260114

Claims (10)

1. A cost management method based on multidimensional dynamic assessment and dynamic threshold, comprising: Acquiring application information and redemption information of a scheme to be evaluated; calculating a plurality of evaluation indexes corresponding to each period dimension based on the application information and the redemption information, wherein the plurality of evaluation indexes comprise an application stage index, a redemption stage index, and a deviation index between the application stage index and the redemption stage index; determining a current evaluation index value of the dimension of the scheme to be evaluated in the target period; acquiring dynamic thresholds corresponding to the attribute of the scheme to be evaluated and the dimension of the target period, wherein the dynamic thresholds comprise an early warning threshold and a forbidden threshold; And when the current evaluation index value is smaller than the forbidden threshold value, generating a second instruction for prompting the risk of the fee execution process of the scheme to be evaluated or generating a third instruction for allowing the fee operation of the scheme to be evaluated to continue to be executed according to the comparison result of the current evaluation index value and the early warning threshold value.
2. The method for managing fees based on a multi-dimensional dynamic evaluation and dynamic threshold according to claim 1, wherein the step of obtaining application information and redemption information of a scheme to be evaluated comprises: obtaining a scheme identifier of the scheme to be evaluated; Inquiring and extracting application information of the scheme to be evaluated from a first database storing scheme application data according to the scheme identifier, wherein the application information comprises application input amount and application output target; and according to the scheme identification, inquiring and extracting redemption information of the scheme to be evaluated from a second database storing scheme redemption data, wherein the redemption information comprises actual input amount and actual output data.
3. The method for managing fees based on a multi-dimensional dynamic evaluation and dynamic threshold according to claim 2, wherein the step of calculating a plurality of evaluation indexes corresponding to each period dimension based on said application information and said redemption information, comprises: determining at least two period dimensions according to a predefined time period division rule; calculating application stage indexes under each period dimension based on the application input amount and the application output target in the application information; Calculating redemption stage indexes under each period dimension based on the actual input amount and the actual output data in the redemption information; and respectively calculating deviation indexes representing the difference between the application stage index and the redemption stage index in each period dimension according to the application stage index and the redemption stage index in each period dimension.
4. A method of cost management based on multidimensional dynamic assessment and dynamic threshold according to claim 3, wherein the step of determining the current assessment index value of the dimension of the solution to be assessed during the objective period comprises: Determining a target period dimension from the at least two period dimensions according to a preset rule or user input information; Calculating specific numerical values of a plurality of evaluation indexes corresponding to the scheme to be evaluated under the dimension of the target period; And selecting a specific value of one evaluation index from the specific values of the plurality of evaluation indexes as the current evaluation index value according to a predefined index selection rule.
5. The method of claim 4, wherein the step of obtaining a dynamic threshold corresponding to the attribute of the solution to be evaluated and the target period dimension comprises: Extracting at least one attribute characteristic from the scheme to be evaluated, wherein the attribute characteristic comprises an organization identifier, a channel identifier or a scheme type identifier; generating a matching query condition according to the at least one attribute feature and the target period dimension; and acquiring corresponding early warning thresholds and forbidden thresholds from a pre-configured dynamic threshold database according to the matching query conditions.
6. The method according to any one of claims 1 to 5, wherein the step of generating a first instruction to prohibit execution of a fee operation when the current evaluation index value is not less than the prohibition threshold value includes: Comparing the current evaluation index value with the forbidden threshold value in a numerical value manner; When the current evaluation index value is not smaller than the prohibition threshold value, a first instruction containing a prohibition operation instruction type and a management reason code is generated, wherein the first instruction is used for preventing a fee payment, a fee application or a budget adjustment operation associated with the scheme to be evaluated.
7. The method according to any one of claims 1 to 5, wherein the step of generating a second instruction for risk prompting of the fee execution process of the scheme to be evaluated or generating a third instruction for allowing the fee operation of the scheme to be evaluated to continue to be executed according to the comparison result of the current evaluation index value and the early warning threshold value comprises: comparing the current evaluation index value with the early warning threshold value in a numerical mode; when the current evaluation index value is not smaller than the early warning threshold value, generating a second instruction containing a risk prompt instruction type and a risk grade code, wherein the second instruction is used for triggering a risk warning prompt in a fee execution flow of the scheme to be evaluated; And when the current evaluation index value is smaller than the early warning threshold value, generating a third instruction containing an allowed operation instruction type, wherein the third instruction is used for authorizing the fee operation associated with the scheme to be evaluated to continue to be executed.
8. A cost management system based on multidimensional dynamic assessment and dynamic threshold, comprising: The acquisition module is used for acquiring application information and redemption information of the scheme to be evaluated; the computing module is used for computing a plurality of evaluation indexes corresponding to each period dimension respectively based on the application information and the redemption information, wherein the evaluation indexes comprise an application stage index, a redemption stage index and a deviation index between the application stage index and the redemption stage index; The determining module is used for determining the current evaluation index value of the dimension of the scheme to be evaluated in the target period; The acquisition module is used for acquiring dynamic thresholds corresponding to the attribute of the scheme to be evaluated and the dimension of the target period, wherein the dynamic thresholds comprise an early warning threshold and a forbidden threshold; And when the current evaluation index value is smaller than the forbidden threshold value, generating a second instruction for prompting risk to the fee execution process of the scheme to be evaluated or generating a third instruction for allowing the fee operation of the scheme to be evaluated to continue to be executed according to the comparison result of the current evaluation index value and the early warning threshold value.
9. An electronic device comprising a processor coupled to a memory, the memory having stored therein at least one computer program that is loaded and executed by the processor to cause the electronic device to implement the multi-dimensional dynamic evaluation and dynamic threshold based cost management method of any one of claims 1 to 7.
10. A computer-readable storage medium, in which at least one computer program is stored which, when executed by a processor, implements the method for cost management based on multidimensional dynamic assessment and dynamic threshold according to any of claims 1 to 7.

Description

Cost management method and system based on multidimensional dynamic evaluation and dynamic threshold Technical Field The invention relates to the technical field of enterprise financial management, in particular to a cost management method and system based on multidimensional dynamic evaluation and dynamic threshold. Background With the continuous improvement of enterprise fine management demands, cost budget management and control have become a core link of financial management. The prior art mainly adopts a cost budget control system based on a rule engine, and control logic is generally limited to single-point judgment of whether budget is sufficient or not, and lacks comprehensive evaluation and systematic control on budget execution efficiency, benefit and risk. The system generally triggers simple control instructions such as 'warning' or 'forbidden' in the application or redemption process by presetting a cost and money threshold value with a single dimension, and a management and control mechanism follows the linear process of 'application-approval-redemption', relies on manual approval or simple rule interception to realize basic management and control of cost expenditure. However, the prior art exposes a number of limitations during application. The existing scheme is single in control dimension, static control is implemented only aiming at single indexes such as cost and money, and multidimensional cross analysis such as deviation analysis between application and redemption, multi-period accumulated comparison and difference recognition among different scheme types cannot be realized, so that control precision and coverage are insufficient. The threshold setting is rigidified, the budget is taken as a basic control basis, and the threshold dynamic optimization can not be carried out by combining multidimensional indexes such as a business fluctuation rule, a historical execution trend, document structural characteristics and the like, so that the flexible control requirement under a complex business scene is difficult to adapt. The early warning mechanism is lagged, manual auditing is used as a main wind control means, a prospective early warning model based on historical data and real-time application characteristics is absent, potential risks cannot be actively identified in the application stage, management and control response is lagged, and management efficiency is low. The deviation analysis capability is insufficient, a systematic application and redemption deviation monitoring system is not established, abnormal deviation between the declared amount and the actual payment amount cannot be effectively identified, behaviors such as false alarm and repeated declaration are difficult to be actively found, and a management and control blind area exists. The period analysis is lack, the single business event is focused, the dynamic monitoring capability of multiple time dimensions such as month accumulation, year accumulation and the like is lacked, the continuous tracking of the fee execution progress and the overall rhythm control are difficult to realize, and budget is easily hyperbranched or execution deviation is easily caused. These defects limit the refinement and intelligence level of the cost budget control together, and are difficult to meet the requirements of modern enterprises on risk pre-identification, dynamic resource optimization and overall process transparent management. Accordingly, there is a need to provide a solution to the above-mentioned problems. Disclosure of Invention In order to solve the technical problems, the invention provides a cost management method and system based on multidimensional dynamic evaluation and dynamic threshold. In a first aspect, the present invention provides a cost management method based on multidimensional dynamic evaluation and dynamic threshold, and the technical scheme of the method is as follows: Acquiring application information and redemption information of a scheme to be evaluated; calculating a plurality of evaluation indexes corresponding to each period dimension based on the application information and the redemption information, wherein the plurality of evaluation indexes comprise an application stage index, a redemption stage index, and a deviation index between the application stage index and the redemption stage index; determining a current evaluation index value of the dimension of the scheme to be evaluated in the target period; acquiring dynamic thresholds corresponding to the attribute of the scheme to be evaluated and the dimension of the target period, wherein the dynamic thresholds comprise an early warning threshold and a forbidden threshold; And when the current evaluation index value is smaller than the forbidden threshold value, generating a second instruction for prompting the risk of the fee execution process of the scheme to be evaluated or generating a third instruction for allowing the fee operation of the sche