为小企业设计的应收账款与现金流预测系统，解决数据少、资源紧难题。
Financial Management System for SMEs: Real-World Deployment of Accounts Receivable and Cash Flow Prediction
- 用分类模型预测发票延迟支付，结合多模块模型处理数据不足。
- 在真实平台部署，支持小企业财务决策，提升资金规划能力。
- 适合自由职业者和初创企业使用，实操性强。
中小企业，尤其是自由职业者和早期创业公司，因资源有限、客户基数小、数据不足而面临独特的财务管理挑战。本文提出并部署了一个集成金融预测系统，专为应对这些运营约束而设计，融合了应收账款预测与现金流预测功能。系统包含两个核心组件：一个用于预测发票支付延迟的二分类模型，以及一个可处理不完整历史数据的多模块现金流预测模型。原型系统已作为网页应用实现，并集成至Cluee平台（一家为自由职业者提供财务管理工具的初创公司），验证了其在真实场景下的可行性，为小企业财务管理工作提供了切实可行的解决方案。
原文摘要 · Abstract (English)
Small and Medium Enterprises (SMEs), particularly freelancers and early-stage businesses, face unique financial management challenges due to limited resources, small customer bases, and constrained data availability. This paper presents the development and deployment of an integrated financial prediction system that combines accounts receivable prediction and cash flow forecasting specifically designed for SME operational constraints. Our system addresses the gap between enterprise-focused financial tools and the practical needs of freelancers and small businesses. The solution integrates two key components: a binary classification model for predicting invoice payment delays, and a multi-module cash flow forecasting model that handles incomplete and limited historical data. A prototype system has been implemented and deployed as a web application with integration into Cluee's platform, a startup providing financial management tools for freelancers, demonstrating practical feasibility for real-world SME financial management.
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