CN101751649A - Credit island service platform and corporate finance service system based on the same - Google Patents
Credit island service platform and corporate finance service system based on the same Download PDFInfo
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- CN101751649A CN101751649A CN201010120037A CN201010120037A CN101751649A CN 101751649 A CN101751649 A CN 101751649A CN 201010120037 A CN201010120037 A CN 201010120037A CN 201010120037 A CN201010120037 A CN 201010120037A CN 101751649 A CN101751649 A CN 101751649A
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Abstract
The invention provides a credit island service platform. Individuals related to the credit investigation are integrated into one environment through establishing a virtual acquaintance social community on Internet, and information can be shared between the individuals through various software tools for improving the familiar degree and solving the information symmetry problem, so each individual can be placed under the supervision of various external subjects, and the invention aims to establish a credit environment for implementing the credit reward and discredit reprimand mechanism. The invention has the advantage that the problem of credit lack is fundamentally solved. On the basis of the advantage, the invention also provides a corporate finance service system based on the credit island service platform, which can also solve the problem of corporate credit lack for financial institutions.
Description
Technical field
The present invention relates to a kind of credit island service platform and, belong to financial services technology field based on the corporate finance service system of this platform.
Background technology
Under market economy environment, main will the have of concluding the business:
● transaction agent: the individual or the enterprise that are engaged in the marketing behavior;
● product: the seller offers the buyer's goods or service;
● trading activity: the act of purchase and sale at product takes place between the transaction agent.
Above-mentioned key element just can constitute a transaction space under the prerequisite of setting, transaction space essence also is a market environment.
Be relatively easily to realize the credit environment under the transaction space of a sealing, its core is, when transaction agent is confined to a limited intra-zone, the product of buying and selling between the transaction agent is also produced by the one's respective area simultaneously, the trading activity meeting drops on intra-zone like this, its situation of honouring an agreement also is easy at zone formation record vestige, this record vestige may be an electronic information, it also may be a kind of public praise, so the record of honouring an agreement of trading activity just can become the foundation that trading activity takes place once again easily, so formed a kind of credit supervision mechanism, this is exactly so-called tradition " acquaintance society " in fact.In fact, traditional acquaintance society can realize the credit environment relatively simply.
In traditional acquaintance society, in fact the formation of credit system depend on a transaction space, and when transaction space relative closure, transaction agent information each other is symmetry often, and you understand me, and I also understand you, and credit system also forms easily.In the past, this transaction space may be geographical space (for example a village, a city), perhaps an industry.
Expanding economy caused the space of transaction to be expanded greatly, produced cross-region, inter-trade trading activity, and Modern Market Economy is actual like this is to be based upon on the basis of " stranger society ".So " stranger society " when bringing chance to us, reality has also been brought the problem of credit disappearance.Because the strange property between the transaction agent has caused the generation of information asymmetry between the transaction agent, the generation of information asymmetry meeting event of default; Simultaneously because the unlimitedness in space has caused the weakening of bad-credit punishment mechanism again.So credit problems has also just become problem demanding prompt solution in our economic life today.
Summary of the invention
The purpose of this invention is to provide a kind of credit island service platform, make it can under a cheaper cost, solve the problem of credit disappearance.
Purpose of the present invention is achieved through the following technical solutions:
A kind of credit island service platform, comprise: client, service end system, external system, client and service end system are connected by the internet or based on the VPN of internet, service end system and external system realize communication by interface routine by Transmission Control Protocol by VPN or private line access, and described service end system comprises Credit Community's portal sub-system, the application deployment platform subsystem, the service application group, central database, data integration platform subsystem; The user can be by the described Credit Community portal sub-system community that builds one's credit, and the client that will have relatively uniform demand for services focuses in the same Credit Community, forms a relative closure, is again virtual acquaintance's social environment of relative information symmetry simultaneously; The various services of customer demand are published in Credit Community's portal sub-system by described application deployment platform subsystem in the described service application group; Described data integration platform subsystem is the processing platform that is directed to the data integration of different-format between external system and the service end system, different content; Business datum that described each subsystem produces and the external data by the collection of data integration platform all can centralized stores in described central database; Described external system realizes communicating by letter with the internal subsystems of described credit island service platform by the data integration platform, and described data integration platform is connected with each subsystem, service application group, central database by a data bus; Described data bus is an independently data exchange channel, is used to the data transmission between each module of the system that finishes, and ensures the concertedness of each subsystem, service application group, central database work.
Further, described application deployment platform subsystem comprises that the foreground is disposed, the backstage is disposed and data operation modules, the front-end interface program is disposed by the foreground and is distributed in Credit Community's portal sub-system, background program is disposed by the backstage and is distributed on the J2EE platform that the application deployment platform subsystem includes, the data that accepting foreground program provides are handled, when background program will carry out database access, described data operation modules visit data bus is by data bus and described central database swap data.
The present invention has also disclosed a kind of corporate finance service system based on described credit island service platform, and described service application group is the financial service application group, and described financial service application group comprises the combination in any of following any one subsystem or a plurality of subsystems:
1) company information is reported and submitted subsystem, is used to finish at the data acquisition of enterprise and the function of declaring;
2) reference service sub-system is used to finish the function that enterprise's reference report is made and managed;
3) credit appraisal and analyzing subsystem are used on the company information basis, and finish and analyze various credit indexs, and the function of carrying out credit appraisal according to the credit model of financial institution's exploitation;
4) giving credit subsystem is used to finish functions such as credit line application, credit line management, credit contract making, the management of making loans;
5) credit asset management subsystem is used to finish functions such as the accounts receivable management of loan back, compensatory management, follow-up investigation information registering;
6) financial product ADMINISTRATION SUBSYSTEM is used to finish functions such as financial institution's Product Information Management, product information comparison, product customization;
7) customer relation management subsystem is used to finish functions such as customer information maintenance, client tracking, Customer Requirement Management;
8) information communication subsystem is used to finish between client and the client, the exchange of information communication function between client and the financial institution, between financial institution and the financial institution, comprises instant messaging, forum, blog, microblogging;
9) mechanism and user management subsystem are used to realize variously use relevant business unit, financial institution unit, the mechanism information of unit of operation and the maintenance function of user profile with credit island.
Further, described financial service application group can be expanded at any time and issues according to the requirement of financing service.Described client comprises enterprise customer's client, financial institution's subscription client, the operation organization user of credit island system client.Described external system comprises government unit's database and financial service unit's Service Database.Described data integration platform subsystem is according to the demand of financial business, the data that come from different system, integrate according to certain business rule, and then form a data, store in the described central database by described data bus then at the business standing situation.
Beneficial effect of the present invention is embodied in: utilize present infotech means, rebuild transaction space traditional, sealing, it is credit island service platform of the present invention, in this credit island service platform, realize the symmetry of information, finish credit excitation and bad-credit punishment mechanism, fundamentally solved the problem of credit disappearance.
Description of drawings
The invention will be further described below in conjunction with accompanying drawing:
Fig. 1: the basic framework synoptic diagram of credit island service platform of the present invention.
Fig. 2: based on the basic framework synoptic diagram of the corporate finance service system of credit island service platform of the present invention.
Fig. 3: based on the groundwork schematic flow sheet of the corporate finance service system of credit island service platform of the present invention.
Fig. 4: credit island initialization schematic flow sheet of the present invention.
Fig. 5: Credit Community of the present invention sets up schematic flow sheet.
Fig. 6: financial product issue schematic flow sheet of the present invention.
Fig. 7: domestic consumer's register flow path synoptic diagram of credit island of the present invention.
Fig. 8: enterprise's authenticated activation process synoptic diagram of credit island of the present invention.
Fig. 9: the user adds the schematic flow sheet of community in the financial service flow process of the present invention.
Figure 10: the user determines the schematic flow sheet of cooperation purpose in the financial service flow process of the present invention.
Figure 11: the user is bid to host the schematic flow sheet of financial product in the financial service flow process of the present invention.
Figure 12: the present invention borrows back monitoring management schematic flow sheet.
Figure 13: blacklist management flow synoptic diagram of the present invention.
Figure 14: company information of the present invention is reported and submitted schematic flow sheet.
Embodiment
The present invention will solve the credit system problem under a cheaper cost, utilize present infotech means exactly, rebuilds transaction space traditional, sealing, realizes the symmetry of information in the transaction space, finishes credit excitation and bad-credit punishment mechanism.
If with urban area, all types of industries exploitation garden etc. is unit, pass through technological means, the feature of network and region is combined, set up a kind of environment of relative closure, in some special business transaction scope, at certain transaction agent, can form " acquaintance society " environment, improve the credit level of transaction agent, reduce the penalty cost of transaction, the control credit risk realizes the credit environment.This transaction space based on acquaintance society, we are referred to as " credit island ", and according to the difference of area type, we can produce various forms such as " city credit island ", " garden credit island ".
Thus, extend, actual based on the financial business of medium-sized and small enterprises provide financing services and consumer credit business is the feature with above-mentioned region closure.Medium-sized and small enterprises provide financing services for example, generally speaking, the transaction agent that it is professional, comprise that credit side and trusted parties often all come from same region, and the generation of trading activity finishes in this locality also, so, with regard to the medium-sized and small enterprises provide financing services, the transaction space is relative closure in fact, and the trading activity between the transaction agent can be monitored and tracking, and we can advise credit system easily on this basis.Therefore, under the pattern of credit island, our actual acquaintance society that can set up about the medium-sized and small enterprises provide financing services reduces and the managerial credit risk effectively, thereby establishes technical basis for the development of medium-sized and small enterprises provide financing services.
As shown in Figure 1, credit island service platform (hereinafter to be referred as credit island platform or credit island system) is made of three unit such as client, service end system, external systems.Wherein, client is the interface system that the user uses the credit island platform, generally adopts PC, and operation windows operating system adopts browser, by Http protocol access service end system.Service end system is the core component of software systems, and server system adopts PHP, Java language exploitation, can run on Linux or windows system.External system is the application system of units such as each financial institution outside the credit island operation centre and government organs, with the credit island platform exchanges data relation is arranged.
On network environment, client and service end system are connected by the internet or based on the VPN of internet, and service end system and external system realize communication by special interface routine by Transmission Control Protocol by VPN or private line access.
Client, service end system and external system are the elementary cells of system, and each internal system is made of a plurality of subsystems, hereinafter will describe in detail.
Following with reference to accompanying drawing with the corporate finance service is example Benq in the embodiment of the corporate finance service system of credit island service platform of the present invention.
On the basis of system's basic framework, Fig. 2 is the framework of each subsystem element of system, and main modular unit has: client-end subsystem, Credit Community's portal sub-system, application deployment platform subsystem, data bus, data integration platform, central database, financial product ADMINISTRATION SUBSYSTEM, financing operation subsystem, mechanism and user management subsystem, company information are reported and submitted subsystem, credit analysis subsystem, information communication subsystem etc.
In above-mentioned module, data bus is an independently data exchange channel, can finish the data transmission between each module of system, ensures the concertedness of each module work.
Secondly, financial product ADMINISTRATION SUBSYSTEM, financing operation subsystem, mechanism and user management subsystem, company information report and submit subsystem, credit analysis subsystem, information communication subsystem etc. to constitute the financial service application group, link to each other with other module by data bus.
In addition, comprise two types in the external system, a kind of is financial institutions databases, and a kind of is government organs' Service Databases.External system realizes communicating by letter with the credit island system by the data integration platform, and the data integration platform is connected with other module, the central database of system by data bus.
To the particular content of each module, describe in detail one by one below us.
(1) client
Client is the interface of user's using system, uses windows operating system, adopts browser to connect with background server by the http agreement, but dissimilar clients difference to some extent on physical network is selected.Divide according to the crowd who uses, client comprises such several types:
A) enterprise customer's client
Be the client that the loan application people uses, adopt the internet to be connected with service end on the physical network, such purpose is farthest to hold medium-sized and small enterprises customers.
B) financial institution's subscription client
Promptly loan waits the employed client of financial product provider, both can be on the physical network by the internet, also can be connected with service end by VPN, such design mainly considers for security purpose, need be connected with service end by VPN for the partial function of financial institution.
C) operation organization user client
Be the employed client of credit island system operating organization, can be on the physical network from VPN access services end, to improve safety of data transmission.
(2) Credit Community's portal sub-system
The Credit Community is that the basic service of financial institution services is organized the unit, just our a kind of virtual acquaintance society that will form.Credit Community's portal platform provides one can define the application software platform of realizing community's function by simple parameter, and simultaneously community also is the unified portal interface of communication exchange on the line of enterprise customer and financial institution.The person of service organization of financial institution can set up community easily by this subsystem, the corporate client of paying close attention to this mechanism financial service product is gathered in the community, set up interactive relationship, understand mutually, the credit of grasping enterprise is dynamic, and forming a relative closure, while is again virtual acquaintance's social environment of relative information symmetry.
Credit Community's portal sub-system can also provide an integrated portal interface for every application function of financial service application group, and the user can know own needed software function in community, and uses these functions.
(3) application deployment platform subsystem
Credit Community's portal sub-system provides a community platform, can set up the virtual acquaintance society of corporate client, and the various service of goods functions that financial institution can provide the client then reflect by a series of Application Software Program.Realize that these functions need be published on the community platform in these Application Software Program each subsystem module in the financial service application group, allow the user can use these functions, we have invented the application deployment platform subsystem again like this.
The application deployment platform subsystem comprises three parts such as foreground deployment, backstage deployment and data operation modules respectively.Platform provides the standard and the program development template of application development, the application program of coming out according to such standard development, comprise that two parts in backstage and foreground can move by the application deployment platform, its foreground program just front-end interface program is distributed in Credit Community's subsystem by the foreground deployment, there is the user to pass through community portal's subsystem visit, and starts execution; Its background program is disposed by the backstage and is distributed on the J2EE platform that the application deployment platform includes, and the data that accepting foreground program provides are handled.When background program will carry out database access, then by data operation modules visit data bus, by data bus and database swap data.
(4) financial service application group
In the credit island platform, the operation flow of every product of financial institution can be handled by informationization.On business model, credit island platform essence is the service outsourcing platform of financial institution, just will be a part of Workflow messagesization of financial institution, on the credit island platform, show by software function, each intermediary, corporate client or other associated user by the outside uses then, thereby the outsourcing that realizes financial business reduces cost to improve various efficient.
In system, the financial service application group has comprised more such modules:
A) company information is reported and submitted subsystem: finish at the data acquisition of enterprise and the function of declaring.
B) reference service sub-system: finish the function that enterprise's reference report is made and managed.
C) credit appraisal and analyzing subsystem: on the company information basis, finish and analyze various credit indexs, and the function of carrying out credit appraisal according to the credit model of financial institution's exploitation.
D) giving credit subsystem: finish functions such as credit line application, credit line management, credit contract making, the management of making loans.
E) credit asset management subsystem: finish functions such as borrowing back accounts receivable management, compensatory management, follow-up investigation information registering.
F) financial product ADMINISTRATION SUBSYSTEM is finished functions such as financial institution's Product Information Management, product information comparison, product customization.
G) customer relation management subsystem: finish functions such as customer information maintenance, client tracking, Customer Requirement Management.
H) information communication subsystem: finish between client and the client, the exchange of information communication function between client and the financial institution, between financial institution and the financial institution, comprise instant messaging, forum, blog, microblogging.
I) mechanism and user management subsystem: realize that various and credit island use relevant business unit, financial institution unit, the mechanism information of unit of operation and the maintenance function of user profile.The financial service application group is to expand at any time and issue according to the requirement of business.
(5) data bus
Data bus technology is the gordian technique on a basis of system, and it is based upon on the basis of the information transmission between each module, is independent of any communication modes and type of message, can guarantee the data consistency between each subsystem of platform.
The application of data bus technology makes system have the extensibility of general specification, allow new product customized development flexibly, can increase new financial product, self-defined business transaction flow process, customization foreground transaction interface, definition transaction message form etc. easily, even can carry out the customization of business statistics form easily, make the development of platform reduce to minimum.
(6) data integration platform
The data integration platform then is aimed at the processing platform of the data integration of different-format between external system and the built-in system, different content, requirement can be according to the demand of financial business, the data that come from different system, according to certain business rule, integrate, form a data, store in the database by data bus then at the business standing situation.
The data integration platform can be deployed on the front server separately.
(7) central database system
This is the data center of system, the business datum that each subsystem module produces and the external data of gathering by the data integration platform all can centralized stores in central database, the complete financial credit data acquisition of formation To enterprises.
(8) external system
A) government unit's database
The Service Database of government unit oneself is deposited the public information of various enterprises.In the present invention, government unit's database refers to that specially those and central database system set up the exchanges data relational database, are defined as the administration for industry and commerce's database, quality testing department database.
B) financial service unit's Service Database
The Service Database of each financial institution oneself is deposited the data that precipitate in all kinds of professional establishment processes of financial institution.In the present invention, financial service unit's Service Database refers to that specially those are connected, form simultaneously an example of exchanges data relation with central database.
Credit island is that carrying out of medium-sized and small enterprises provide financing services set up a basic platform, and the Credit Community then is that the unit is organized in the basic service on the credit island, and services such as the marketing of financial institution, credit management can be organized realization by the Credit Community.For medium-sized and small enterprises with financing demand, the person of service organization of financial institution can be on credit island, set up community, the corporate client of paying close attention to this mechanism financial service product is gathered in the community, set up interactive relationship, mutually understand, form a miniaturization, relative closure, be again virtual acquaintance's social environment of relative information symmetry simultaneously.
The Credit Community can have financial institution to set up voluntarily and manage, also can be creditable the agency of intermediary of island operation set up and manage.In the Credit Community, financial institution can issue financial product in the Credit Community, and the problem of answer product is implemented the marketing service of financial product; On the other hand, financial institution also can be under the prerequisite of guiding customer demand, set up a kind of community finance discipline, combine with the financing demand that satisfies the client observing community's finance discipline, form that a kind of client keeps one's word, the good interaction of financial institution's credit relation, provide a kind of new mechanism for the financing demand that satisfies medium-sized and small enterprises thus.In community, the guarantee of financial institution's this discipline in the Credit Community can utilize acquaintance society characteristics easily, between enterprise and the enterprise, can supervise mutually between enterprise and the financial institution, reminds mutually, allow the person of keeping one's word get profit, allow the person of breaking one's promise be disciplined as a warning.Under this pattern, enterprise will set up the credit of oneself according to community's finance discipline, shares all kinds of operation information, rationally uses fiduciary loan, and repays the debt that expires on time, guarantees the security of credit funds.
So the characteristics of Credit Community have been to break through in traditional online ecommerce to serve as theme with product organizes the pattern that realizes commercial affairs, but implements business procedure by the trusting relationship that develops and manages " people "-" people ".
Simply introduce workflow below based on the corporate finance service system of credit island service platform of the present invention.
As shown in Figure 3, the operation of credit island system can be divided into several like this flow processs substantially and implements: the credit island initialization with safeguard that flow process, domestic consumer's register flow path, authenticated register flow path, Credit Community set up flow process, financial product issue flow process, financial service general flow, borrow back monitoring management flow process, company information is reported and submitted flow process, blacklist management process.
Specifically describe each workflow below one by one.
(1) the credit island initialization with safeguard flow process
The groundwork of the initialization flow process of credit island is " building the island ", that is to say and to set up a company information set, be equivalent to an information island, why quote this title on " island ", be because will give prominence to the closed in transaction space, from information viewpoint, be exactly the border that has an information agent in fact.We are based on such information island, form the transaction space of a sealing, and the business contact between all transaction agents all is based on this transaction space.The primary data of credit island comes from government organs' database, on this island, pass through the credit situation of transaction agent (enterprise just) in the business transaction process of monitoring trading interior volume on the one hand, the credit grade of timely tracking evaluation enterprise, instruct financial institution that enterprise is carried out credit based on this, finish fiduciary loan business enterprise; Then be in this transaction space, to manage various loan transaction information easily on the other hand, ensure the security of loan transaction.
As shown in Figure 4, the initialized idiographic flow of credit island is:
A) the credit island initialization is finished by the data integration platform, on government organs' database server, also wants develop and field data acquisition interface program in addition.
B) the data acquisition interface program is and the application programming interfaces of outside government organs database, and interface can realize that interface is usually according on government organs' server by the plug-in unit mode.The data integration platform provides interface exploitation standard and process template, can realize being connected of data integration platform and government unit's database by simple program development.
C) data acquisition interface program and data integration platform carry out communication by Transmission Control Protocol, and network can be implemented by special line or VPN.
D) government organs' data of database is at first exported as by the good by appointment standard format of data acquisition interface program and reports and submits data file, sends to data integration platform center-side by network according to Transmission Control Protocol then.
E) the data integration platform carries out pre-service for the data file of accepting of reporting and submitting, according to predefined data integration rule the business data of each unit is carried out integration processing, comprise data merging, invalid record rejecting, format conversion etc., the specified data file enters the data record set of central database, produces importing data film.
F) finish pre-service after, the data integration platform is carried out the importing program, and importing data film is sent to data bus, data bus in central database, is finished initial work to data importing.
After initialization is finished, the credit island system can obtain basic medium-sized and small enterprises set, produce the transaction space, form a virtual information island, the lending business of financial institution can only take place in the scope on this virtual information island, that is to say, financial institution can only for the outside enterprise of set, then need the authentication formality of being correlated with the inner client who selects oneself of this enterprise's set, become a member of set again, could produce business contact with financial institution.
Credit island maintenance of information flow process is aimed at new registration enterprise or nullifies enterprise, and government organs want regularly and the credit island system carries out data sync, guarantees that the enterprise's set on the credit island is up-to-date information, and its treatment scheme is identical with credit island initialization flow process.
(2) Credit Community sets up flow process
The Credit Community is elementary organization's pattern of financial service, comes realization information symmetry by setting up virtual acquaintance society, sets up a perfect relatively credit environment.
As shown in Figure 5, the foundation of Credit Community comprises several steps:
A) financial institution and credit island enterprise operation center are signed cooperation agreement, and after the credit island enterprise operation center carried out qualification certification, signing financial institution was the cooperation object.
B) administrator of enterprise operation center for financial institution sets up basic archives, and offers the user by organization user's ADMINISTRATION SUBSYSTEM of client visit credit island platform.
C) data send to data bus, and data bus calls DBAR database access routine data are existed in the central database.
D) user of financial institution sets up the community of oneself by client in community portal's subsystem, and the title of community can be determined voluntarily by the user.After community set up, the community service subsystem can increase a community information record in central database.
E) data send to data bus, and data bus calls DBAR database access routine data are existed in the central database.
All there is the owner of community in the community that each financial institution sets up, and the owner of community is specified voluntarily by financial institution, generally is exactly the user who sets up community, also can be other user of financial institution's appointment.
(3) financial product issue flow process
Financial product is to be issued in the Credit Community by the user of financial institution.
As shown in Figure 6, concrete steps are:
A) user of financial institution starts the financial product ADMINISTRATION SUBSYSTEM by client in the Credit Community, the user can embody the financial product that this mechanism need issue as requested in this function, generally comprise name of product, loan interest rate, debt-credit condition etc., after finishing, can data storage in central database.
B) after the enterprise customer enters community, can pass through financial product ADMINISTRATION SUBSYSTEM function, inquire about and compare the financial product of each financial institution.
This flow process is characterised in that, in the general e-commerce system, product is by externally issue of Content Management System, and native system then is by the community platform release product, make product marketing under the environment of an information transparency, to finish, promoted the public trust and the customer's approval degree of product.
(4) the free register flow path of domestic consumer of enterprise
The enterprise customer uses the credit island system that two kinds of patterns are arranged, and a kind of is free registration mode, becomes the domestic consumer of credit island system, also having a kind of is enable mode, keeper by credit island operation mechanism carries out activation manipulation, and setting operation person ID becomes the authenticated of credit island.The characteristics of domestic consumer are easy to operate, anyly can become credit island domestic consumer by the enterprise of internet access credit island system.But, the domestic consumer of enterprise under free logon mode, it is not owing to there being this business operation link of authentication, so be lower than authenticated from credit grade.
As shown in Figure 7, the free register flow path of domestic consumer is:
A) operator of enterprise logins credit island plateform system, access mechanism and user management subsystem by client browser by the internet;
B) operator fills in enterprise's data and operator's oneself user information data, submits to the service end of credit island system to handle;
C) service end system is accepted the data that client is submitted to by mechanism and user management subsystem, title according to enterprise is searched from central database again, if enterprise record exists, then stamp the sign of " domestic consumer " for this enterprise, and in database recording operation person ID; If this enterprise does not exist, then directly set up the record of this enterprise at lane database, simultaneously this enterprise of position stamps " domestic consumer " and two signs such as " enterprises outside the island ", illustrates that enterprise's main body is outside the credit island, is that what to offer is domestic consumer simultaneously;
D) after the result returned client, the operator can be according to own user ID and cryptographic acess credit island system.
(5) activation process of enterprise's authenticated
After the credit island initialization, the essential information data of large quantities of enterprises that have been equivalent to system acquisition, formed enterprise's main body set, but, these enterprises can't become the formal user of credit island system, must sign a cooperation agreement by enterprise and credit island operating organization, through a verification process, just can bring into use every software function of credit island, this works, and we are referred to as enterprise's activation process.After enterprise activates, can set up the operating operation person of the inside of enterprise on their own, user just, thus can carry out the operation of credit island platform.
For enterprise, if do not activate by the credit island operating organization, then it also can use the credit island system by the mode of freely registering, but the credit grade of enterprise will be lower than the state after the activation, and the part software function can not be used.
As shown in Figure 8, the activation process of enterprise's authenticated:
A) enterprise and operating organization are signed cooperation agreement, and enterprise's record is stored in the central database by the credit island initialization in advance, and the keeper need inquire about and confirm in advance.
B) the operation organization administrator is by the client-access service end system, in mechanism and subscriber information management subsystem, essential information according to data check enterprises such as the industrial and commercial certificate of enterprise name or enterprise, organization mechanism codes: if there is no, illustrate that enterprise does not include enterprise's main body set of credit island in, can not carry out activation manipulation; If exist, then can stamp activation tagging, activate enterprise.Then require to adopt the free registration mode of domestic consumer for the unit that does not have enterprise's record.
C) after the activation enterprise, in the enterprise information management subsystem, add enterprise customer's information, the user that requires according to enterprise can be several, an enterprise can have 5 users at most, and user's password is the universal code of presetting, and can revise password voluntarily after enterprise takes.
D) activate finish after, the enterprise customer can input user name on enterprise client, password lands credit island community subsystem, enters the Credit Community of own needs, obtains every financial service.
(6) financial service general flow
Financial service is that financial institution offers the client by community's mode, for the enterprise that will obtain to finance, need be in credit island platform selecting Credit Community, in community, contact with financial institution, understand financial institution and relevant product information, the each side problem of inquiry financial product, and by with the communication of financial institution, finally determine the purpose of loan application.In this process, enterprise also need be in the scope of community, observe community's discipline that financial institution determines, for example report and submit the needed credit data of financial institution, can in time understand the credit standing of enterprise to help financial institution, follow the tracks of the operating position of loan, lay the first stone for further obtaining financial institution's credit service.So the financial product service is an integrated service flow process, concrete implementation step is:
A) add community, as shown in Figure 9,
The user enters community portal by client login credit island plateform system;
The user browses Credit Community's inventory, determines that the back application adds certain community;
Behind user's fill data, submit to source book to central database;
The record of central database calls in financial institution in the community service subsystem, examination user's application information, and after determining, the enterprise customer can enter the interface, Credit Community of financial institution.
B) determine the cooperation purpose, as shown in figure 10,
On the interface, Credit Community, can provide the interface of financial product information management subsystem, enterprise can be according to the demand of oneself, starts the financial product information searching function, browses and compares financial product;
For the financial product that the cooperation purpose is arranged, the user can directly be enabled in and enter the information communication subsystem on the community interface, and the information communication subsystem comprises online instant tool of communications, community forum, financing blog supervisor instrument;
The enterprise customer can pass through online instant tool of communications, links up with the user of financial institution; The mode of the problem that the user also can be concerned about oneself by forum's model is distributed on the community forum in the tool set, has the user of financial institution to answer; For critical content, the enterprise customer can also set up " financing blog ", expresses view, demand and the use of the financial service product of financial institution are known from experience;
The enterprise customer can also be by the information communication subsystem to understand cognition and the exploitation of other user to financial product service, adopts online or offline mode and other enterprise customer link up.
C) business is applied for and is handled
The user of financial institution is according to the product purpose of enterprise, can require the business need of enterprise customer according to this product, cooperate together with financial institution and to finish relevant bidding flow process, observe the financial discipline that community requires simultaneously, immediately report and submit management data, keep the information symmetry between financial institution and the enterprise.
Traditional operation flow substantially all is that enterprise files an application, gives information, and all by oneself business of financial institution, nature can cause the pressure of the operating cost of financial institution like this.Here, we make a report on data by the various software modules in the financial service application group on the credit island platform voluntarily by enterprise, calculate credit scoring automatically, the business personnel's of financial institution intervention is just just arranged in the link of most critical, reduce the operating cost of financial institution thus.
So the enterprise customer can finish the Bid Process of financial product by the various Software tools of community's issue, as shown in figure 11, particular content is:
The definite financial product that will handle of enterprise customer, the corporate process of beginning credit applications.
The enterprise customer at first reports and submits in the subsystem at company information, the Various types of data of registration enterprise, comprise financial statement registration, non-financial information registration, simultaneously, the third party credit information service that enterprise is assert by financial institution provides the reference report of enterprise, and reports and submits the reference report subsystem to upload to credit island by company information.
Financial institution can pass through enterprise's reference subsystem, and the data of existing data and each third party system in the data of reporting and submitting in conjunction with enterprise, the credit island central database is provided enterprise's reference report.
Various types of data that the credit island platform is reported and submitted at enterprise and third party are reported in the credit diagnosis and evaluation subsystem and analyze automatically and handle, and the model of processing is determined voluntarily by each financial institution, the unified Analysis model that also can adopt credit island to provide.By handling, the validity of can verification enterprise reporting and submitting data, data and these data of reporting and submitting of enterprise that while has accumulated according to credit island, enterprise is carried out the credit diagnosis, carry out credit scoring, the preliminary credit grade of determining enterprise determines whether and will make loans to enterprise, and the accrediting amount of making loans.
For the weakness or the doubtful point part of business standing diagnosis, financial institution can adopt manual type inspection, perhaps requires enterprise's updates, thus the result of correction model.
After determining, financial institution's issue is to the credit result of enterprise, and enterprise can obtain the information of the accrediting amount by the credit information management program of credit operation and management tool.
Diagnose underproof enterprise for credit, financial institution stipulates that the loan application of these enterprises is with off the docket, but business standing diagnosis and evaluation subsystem should return to enterprise's " credit diagnosis report ", and in community, financial institution can online help enterprise understand diagnosis report, and the credit defective of informing enterprise helps enterprise to strengthen credit consciousness, cultivate credit record, for the business of back lays the first stone.
(7) flow process of post-loan management and monitoring
After financial institution finishes credit operation to enterprise, need the management state of real-time monitoring enterprise, the unusual fluctuation of estimating credit changes, and ensures the loan also breath of can in time refunding, and evades the risk of bad accounts.
In traditional credit operation, financial institution is generally by finishing the monitoring to the credit standing of enterprise to follow-up investigation after the loan of enterprise.Under this pattern, need financial institution to arrange special personnel to finish to the doorstep owing to borrow the back follow-up investigation, so cost is bigger.For large-scale loan transaction, because business income is higher, so financial institution often can tolerate the generation of this cost.And the medium-sized and small enterprises credit operation little for amount, that quantity is big, this traditional follow-up investigation pattern then can be to financial institution; Income produces bigger influence.On the other hand, traditional follow-up investigation is regularly finished often, and for large and medium-sized enterprise, professional variation is milder, therefore can understand the up-to-date credit status of enterprise by 6 months, 12 months follow-up investigation.And for medium-sized and small enterprises, the professional variation comparatively fast, long control time tends to not cover the professional change procedure of enterprise at interval, can miss the business risk information of enterprise.
So, we in the credit Monitor And Control Subsystem, the mode that has adopted the enterprise operation index to combine with newspaper mutually, and assisting to examine and risk monitoring and control to enterprise is implemented in the work of field investigation the outside from newspaper.Under this pattern, financial institution requires the requirement of enterprise according to financial institution, in the inner group of monitoring mutually that forms of community, except reporting and submitting the business indicator data of regulation voluntarily, also to report and submit the data of inner other enterprise of group, and analyze by the credit risk monitoring model of setting, unusual enterprise appears for analysis result, then in time carry out field investigation, both can save the investigation cost thus, simultaneously the timely credit risk of monitoring enterprise again.
So this pattern is characterised in that the unidirectional monitoring of financial institution to enterprise, having become with the financial institution is the center, the network-like structure of supervising mutually between the enterprise can reduce the asymmetry of information thus significantly.But, the foundation of monitoring group here then need design, and generally relevant according to industry, business is correlated with and is set up.For the capable enterprise of supervision, financial institution can set up a kind of examination reward mechanism simultaneously, to promote the enthusiasm of enterprise.
As shown in figure 12, idiographic flow is:
A) in credit asset management subsystem, start the function of " credit monitoring group ", set the credit member of monitoring group for the enterprise that accepts financial institution loan, supervision member's information stores is in central database; The obligated information that reports inner other enterprise of group of the member of credit monitoring group, the information content that reports then is to be determined by financial institution, the general information that all is some surfaces, can be arrived by field observation, such as operation place situation, working number, client's flow of the people, on-the-spot dispute incident etc., rather than the core business data of enterprise.
B) enterprise regularly reports and submits the own information of registration in " borrow back information replenish " function in the subsystem at company information, registers other people data in " registration of credit supervision message " function, finishes data from newspaper and the mutual work of reporting.
C) financial institution simultaneously will be in credit assets subsystem, call the function of " processing of credit assets ", produce records such as " accounts receivable tracking ", " prompting exceeds the time limit ", " collection exceeds the time limit ", follow the tracks of client's amount and use information, accounts receivable information, understand the situation that enterprise uses financial product, the debt situation in time points out enterprise to prepare to refund.
(8) blacklist management flow
For the enterprise of exceeding the time limit and not going back, financial institution can adopt the blacklist shared mechanism, understands the company information that bad accounts occurs, is refused in the credit operation in later stage, produces a kind of credit thus and disciplines mechanism as a warning.
As shown in figure 13, idiographic flow is:
A) each financial institution produces the blacklist of the enterprise of exceeding the time limit in the operation system of oneself, generates the blacklist file;
B) the blacklist file arrives the data integration platform by network delivery, and carries out pre-service, mainly is to merge, reject and format, and producing at last with the enterprise is the blacklist information importing file of sign;
C) the data integration platform imports file to blacklist information and imports to central database;
D) financial institution can find the blacklist notice information in each Credit Community; Simultaneously according in advance
Traffic set, can be in the Credit Community to the open blacklist information of enterprise.
(9) company information is reported and submitted
It is in the Credit Community that company information is reported and submitted, one of community's discipline that requirement enterprise of financial institution observes.Generally speaking, financial institution can require enterprise according to certain requirement, regularly or aperiodically reports and submits the Various types of data of enterprise.The data that financial institution reports and submits for enterprise need be compared with the data that other channel obtains, treatment for correcting, obtain real relatively enterprise management condition thus, determine the credit grade of enterprise on this basis, give the appropriate accrediting amount.
As shown in figure 14, idiographic flow is:
A) financial institution is placed on company information to the information index that requires enterprise to report and submit and reports and submits in the subsystem, and the credit index that needs is set, and fills in for the enterprise customer; Business data comprises two parts, and a part is the financial statement data, and another part is a non-financial data.
B) enterprise customer enters Credit Community with business tie-up at Credit Community's door, starts company information and reports and submits the function of reporting and submitting instrument in the subsystem, the data content inventory that acquisition will be reported and submitted;
C) list that will report and submit is filled in by enterprise, and the mode of filling in can be online filling in, and also can fill in execl by form by appointment, uploads to company information then and reports and submits subsystem;
The data of d) filling in are finished according to the order of financial statement, non-financial data, and the content of non-financial data determines voluntarily that by financial institution company information reports and submits subsystem that self-defining function can be provided, and allows the user of financial institution define the data that will report and submit voluntarily;
E) data form is filled in client by enterprise, uploads to the backstage that company information is reported and submitted instrument by network after finishing, and stores central database into.
Credit island plateform system among the present invention can help financial institution to realize network marketing, reduce the market cost, simultaneously, form by communityization, the mechanism that builds one's credit and supervise mutually, look into supervision each other mutually thereby the business survey of originally being born separately by financial institution and enterprise supervision have been become enterprise, reduced the cost of enterprise's reference, credit asset management equivalent risk Control work with enterprise.
Application software module, financial product management application software module and the information communication software module of financial institution's credit operation are provided among the present invention, can in time grasp the market demand of enterprise easily, according to the requirement of enterprise tailor-made product, reduced the cost of financial institution's research and development of products.
Although be the example purpose, preferred implementation of the present invention is disclosed, but those of ordinary skill in the art will recognize that under situation about not breaking away from by the disclosed scope and spirit of the present invention of appending claims, various improvement, increase and replacement are possible.For example the service application group in the preferred embodiment of the present invention is the financial service application group, solves credit disappearance problem in the other field if this credit island service platform applies to, and then the service application group in the platform can be the service application group in this field.The business circles in sporting world, certain field for example, or the like; Certainly when the credit island service platform applied to other field, its external system and client also had corresponding change.
Claims (7)
1. credit island service platform, it is characterized in that: comprise client, service end system, external system, client and service end system are connected by the internet or based on the VPN of internet, and service end system and external system realize communication by interface routine by Transmission Control Protocol by VPN or private line access, described service end system comprises Credit Community's portal sub-system, the application deployment platform subsystem, service application group, central database, the data integration platform subsystem
The user can be by the described Credit Community portal sub-system community that builds one's credit, and the client that will have relatively uniform demand for services focuses in the same Credit Community, forms a relative closure, is again virtual acquaintance's social environment of relative information symmetry simultaneously;
The various services of customer demand are published in Credit Community's portal sub-system by described application deployment platform subsystem in the described service application group;
Described data integration platform subsystem is the processing platform that is directed to the data integration of different-format between external system and the service end system, different content;
Business datum that described each subsystem produces and the external data by the collection of data integration platform all can centralized stores in described central database;
Described external system realizes communicating by letter with the internal subsystems of described credit island service platform by the data integration platform, and described data integration platform is connected with each subsystem, service application group, central database by a data bus;
Described data bus is an independently data exchange channel, is used to the data transmission between each module of the system that finishes, and ensures the concertedness of each subsystem, service application group, central database work.
2. credit island service platform according to claim 1, it is characterized in that: described application deployment platform subsystem comprises the foreground deployment, the backstage is disposed and data operation modules, the front-end interface program is disposed by the foreground and is distributed in Credit Community's portal sub-system, background program is disposed by the backstage and is distributed on the J2EE platform that the application deployment platform subsystem includes, the data that accepting foreground program provides are handled, when background program will carry out database access, described data operation modules visit data bus is by data bus and described central database swap data.
3. corporate finance service system based on the described credit island service platform of claim 1, it is characterized in that: described service application group is the financial service application group, described financial service application group comprises the combination in any of following any one subsystem or a plurality of subsystems
A) company information is reported and submitted subsystem, is used to finish at the data acquisition of enterprise and the function of declaring;
B) reference service sub-system is used to finish the function that enterprise's reference report is made and managed;
C) credit appraisal and analyzing subsystem are used on the company information basis, and finish and analyze various credit indexs, and the function of carrying out credit appraisal according to the credit model of financial institution's exploitation;
D) giving credit subsystem is used to finish functions such as credit line application, credit line management, credit contract making, the management of making loans;
E) credit asset management subsystem is used to finish functions such as the accounts receivable management of loan back, compensatory management, follow-up investigation information registering;
F) financial product ADMINISTRATION SUBSYSTEM is used to finish functions such as financial institution's Product Information Management, product information comparison, product customization;
G) customer relation management subsystem is used to finish functions such as customer information maintenance, client tracking, Customer Requirement Management;
H) information communication subsystem is used to finish between client and the client, the exchange of information communication function between client and the financial institution, between financial institution and the financial institution, comprises instant messaging, forum, blog, microblogging;
I) mechanism and user management subsystem are used to realize variously use relevant business unit, financial institution unit, the mechanism information of unit of operation and the maintenance function of user profile with credit island.
4. the corporate finance service system based on the credit island service platform according to claim 3 is characterized in that: described financial service application group can be expanded at any time and issues according to the requirement of financing service.
5. the corporate finance service system based on the credit island service platform according to claim 3 is characterized in that: described client comprises enterprise customer's client, financial institution's subscription client, the operation organization user of credit island system client.
6. the corporate finance service system based on the credit island service platform according to claim 3 is characterized in that: described external system comprises government unit's database and financial service unit's Service Database.
7. the corporate finance service system based on the credit island service platform according to claim 3, it is characterized in that: described data integration platform subsystem is according to the demand of financial business, the data that come from different system, integrate according to certain business rule, and then form a data at the business standing situation, store in the described central database by described data bus then.
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Cited By (7)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| CN102496083A (en) * | 2010-11-17 | 2012-06-13 | 苏州德融嘉信信用管理技术有限公司 | Method for making manuscripts of credit rating reports |
| CN102855589A (en) * | 2012-02-24 | 2013-01-02 | 刘向军 | Financing cloud calculation service system and calculation method thereof |
| CN104616139A (en) * | 2015-02-06 | 2015-05-13 | 上海百筹金融信息服务有限公司 | Real-time anonymous P2P borrowing system |
| CN104616196A (en) * | 2015-02-06 | 2015-05-13 | 上海百筹金融信息服务有限公司 | Real-time anonymous P2P borrowing method |
| CN104700308A (en) * | 2013-12-09 | 2015-06-10 | 徐文键 | Transaction platform system for securities transactions |
| CN106485582A (en) * | 2016-10-18 | 2017-03-08 | 上海众恒信息产业股份有限公司 | A kind of big data merges reference platform |
| CN107403372A (en) * | 2017-07-31 | 2017-11-28 | 北京欣欣苹果网络科技有限公司 | Internet finance data processing platform |
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2010
- 2010-02-09 CN CN201010120037A patent/CN101751649A/en active Pending
Cited By (7)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| CN102496083A (en) * | 2010-11-17 | 2012-06-13 | 苏州德融嘉信信用管理技术有限公司 | Method for making manuscripts of credit rating reports |
| CN102855589A (en) * | 2012-02-24 | 2013-01-02 | 刘向军 | Financing cloud calculation service system and calculation method thereof |
| CN104700308A (en) * | 2013-12-09 | 2015-06-10 | 徐文键 | Transaction platform system for securities transactions |
| CN104616139A (en) * | 2015-02-06 | 2015-05-13 | 上海百筹金融信息服务有限公司 | Real-time anonymous P2P borrowing system |
| CN104616196A (en) * | 2015-02-06 | 2015-05-13 | 上海百筹金融信息服务有限公司 | Real-time anonymous P2P borrowing method |
| CN106485582A (en) * | 2016-10-18 | 2017-03-08 | 上海众恒信息产业股份有限公司 | A kind of big data merges reference platform |
| CN107403372A (en) * | 2017-07-31 | 2017-11-28 | 北京欣欣苹果网络科技有限公司 | Internet finance data processing platform |
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Application publication date: 20100623 |