CN103413242A - Middle-and-small-sized enterprise reputation and financing credit standard system for non-face-to-face trading - Google Patents
Middle-and-small-sized enterprise reputation and financing credit standard system for non-face-to-face trading Download PDFInfo
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Abstract
The invention relates to a middle-and-small-sized enterprise reputation and financing credit standard system for non-face-to-face trading. The middle-and-small-sized enterprise reputation and financing credit standard system for the non-face-to-face trading comprises a credit assessment information collection module, a credit rating module, a loan management module, a repayment management module and a default management module. The middle-and-small-sized enterprise reputation and financing credit standard system for the non-face-to-face trading determines the limit of a loan mainly according to assessment, through data accumulated by the middle-and-small-sized enterprise reputation and financing credit standard system, of the reputation of an applicant, carries out integration processing on evaluation records of history trading of a seller and the situation of receivables in a implementation picking system, carries out connection between integrated information and enterprise credit granting systems of banks or other financial institutions, provides loan convenience of flexible loans for the seller, and provides a reliable credit standard for credit agencies. According to the middle-and-small-sized enterprise reputation and financing credit standard system for the non-face-to-face trading, due to the fact that a flexible repayment mechanism is set for repayment of the loans, amortization can be achieved, bullet repayment can also be achieved, the original offline loan mode is replaced by the on-line loan mode, a middle side credit evaluation system is connected with the banks and other financial institutions, diversification configuration of the repayment mode is achieved, and a repayment can be directly deducted to carry out fund settlement through repayment channels.
Description
Technical field
The invention belongs to the e-commerce technology field, particularly relate to a kind of non-face-to-face transaction medium-sized and small enterprises prestige and financing credit standard system.
Background technology
The very corn of a subject of Financing difficulty is not have rational standard to carry out reliable credit appraisal to medium-sized and small enterprises, and the key problem of medium-sized and small enterprises in the financing loan comprises lacking effectively mortgages and guarantee, and product is with a low credibility, and general prestige is poor; For bank risk is controlled, be difficult to medium-sized and small enterprises and reached lending criteria.At present more do not have a set of complete system can automatically solve the problem of credit appraisal.
For the medium-sized and small enterprises that likely arrive lending criteria, medium-sized and small enterprises are because self financial knowledge does not possess, and the process of the examining relative complex of bank, cause the applicant to take much time and energy on application process, and proving an abortion of also usually causing making loans.
In existing credit evaluation system, rely on and manually carry out whole process control and control each flow process, personnel's quality has affected the selection of financial institution to the object of making loans greatly, has also increased personnel risk and inner management risk simultaneously.
In sum, the comprehensive information evaluation system of neither one, can give the medium-sized and small enterprises credit appraisal reliably at present, and the amount reference is provided simultaneously, simplifies the evaluation system of loan flow process, assistance reduction financial institution's internal risks and personnel risk.
Summary of the invention
Technical matters to be solved by this invention is to provide a kind of medium-sized and small enterprises of participation ecommerce and credit platform between financial institution built, and on network, has realized that financial institution is the function of loan of small and medium enterprise.
The technical solution adopted for the present invention to solve the technical problems is: a kind of non-face-to-face transaction medium-sized and small enterprises prestige and financing credit standard system are provided, comprise credit evaluation information acquisition module, credit rating module, loan administration module, refund administration module and promise breaking administration module
Credit evaluation information acquisition module: complete the information of assessment credit, comprise the accounts receivable situation of honouring an agreement under the delivery of cargo system is comprehensively collected and be captured in to the evaluation of platform seller historical trading record;
Credit rating module: the information gathered by the credit evaluation information acquisition module, buyer's credit at transaction platform is made to an informative assessment, and, by connecting the credit system of bank or financial institution, this seller's credit level is done to further assessment and confirm;
Loan administration module: according to the rating result of credit rating module, the amount of the loan and credit level are mated, by the credit rating module, connect many banks and financial institution, for the seller matches the optimal amount of the loan, finally the last loan value of determining is cleared to merchant account by the clearance platform;
The refund administration module: the refund pattern of this module comprises amortization, repays in a lump sum, and formulates personalized mode of repayment by native system;
The Treatment for Default module: monitoring trade company refund situation, if there is the situation of trade company's promise breaking, process in time, comprise and record trade company's promise breaking record, interception merchant transaction.
Described credit evaluation information acquisition module, credit rating module and promise breaking administration module are connected with trade company's credit record storehouse, and trade company's credit record storehouse is connected with the merchant transaction record simultaneously; The credit rating module is connected with the bank credit system.
In the present invention, most critical is the foundation of benchmark, therefore set up a set of master pattern run through in whole process of exchange particularly important, native system has realized that by abstract evaluation object and the model of weighted integral, completing the comparable assessment data of extraction in different bargain links is that credit rating provides support, i.e. the standardized process of credit object.
Usable criterion credit object model of the present invention in transaction flow financing and refund to control and to realize circulating credit and repeatedly credit.Simultaneously can well realize the control to risk.
The present invention utilize the own warning waterline of creditable and risk object realize early warning alarm measure in the transaction of combining, and can be for different business realizing manual intervention and self-identifyings.
Beneficial effect
1, reliable credit rating information source.Due to essential information, Transaction Information and the account situation of loaning bill side real time record in rating system all, seller's all kinds of financial information come from the automatic record of system of the believable third-party institution, credit rating information is also to complete automatic Evaluation according to the standard of setting, and automatically being sent to financial institution, Various types of data is all higher on accuracy, reliability.;
2, many credits source.Concerning loan application side, generally only have also and only can select a bank or financial institution loan.But non-face-to-face transaction medium-sized and small enterprises prestige and financing credit standard system have been integrated a plurality of credits source, be many banks and financial institution, for the seller of transaction platform provides a plurality of selections, and, by systemic-function, select the most rational credit source and applicant to mate.Online pattern of lending has also been saved the cost that bank counter is examined greatly;
3, the pattern of repaying flexibly.The pattern of repaying is also one of problem of restriction loan of small and medium enterprise.Due to the difference of Management Pattern of Enterprises, the time of Cash Flow, mode is also different.If define the pattern of repaying, if with this enterprise to not the mating of Fund-Application, be easy to increase the risk that enterprise can't repay.So by the repaying module of credit evaluation system, for each seller's characteristic and configure the repaying pattern.Both increased the efficiency of Cash Flow, the again less risk that can't repay;
4, the control of cash flow.System not only can be monitored the various aspects of seller on transaction platform, but also can withhold to the clearance of transaction funds the repaying fund, and this function is to having played crucial effect in the control of loan returning risk.If seller's promise breaking, this system also can be deducted the fine of promise breaking regulation in settlement fund under, restricted and limited the phenomenon of Seller's Default;
The accompanying drawing explanation
Fig. 1 is structural representation of the present invention.
Embodiment
Below in conjunction with specific embodiment, further set forth the present invention.Should be understood that these embodiment only are not used in and limit the scope of the invention be used to the present invention is described.Should be understood that in addition those skilled in the art can make various changes or modifications the present invention after the content of having read the present invention's instruction, these equivalent form of values fall within the application's appended claims limited range equally.
As shown in Figure 1, present invention includes credit evaluation information acquisition module, credit evaluation module, loan administration module, refund administration module, promise breaking administration module.
1,, in Credit rating system, completed by the credit evaluation information acquisition module for the information of assessing credit.It is mainly from two aspect Information Monitorings, and first is that the evaluation record of platform seller historical trading is comprehensively collected, and second is the accounts receivable situation be captured under the delivery of cargo system of honouring an agreement;
2, external system is mentioned the credit evaluation request to native system, the information that the credit level module can gather by the information acquisition mould, buyer's credit at transaction platform is made to an informative assessment, and, by connecting the credit system of other bank or financial institution, this seller's credit level is done to further assessment and confirm;
3, loan administration module mainly plays the effect of the coupling amount of the loan and credit level.Credit rating system has connected many banks and financial institution, have nothing in common with each other to the number of credit level and the amount of the loan in numerous credit sources, this module can, fast for the seller matches the optimal amount of the loan, finally be cleared platform to the last loan value of determining by communications and liaison and clear merchant account;
4, the refund administration module has mainly solved the single situation of repaying pattern.Dumb due to the repaying mode, cause a lot of medium-sized and small enterprises to be refunded difficult, easily causes the phenomenon that can't repay the loan to occur.This module not only has amortization, and the isotype that repays in a lump sum can also be formulated personalized mode of repayment by native system.
5, the Treatment for Default module is responsible for monitoring trade company's refund situation, if there is the situation of trade company's promise breaking, processes in time bag
Draw together trade company's promise breaking record, the interception merchant transaction fund etc. of recording.
Non-face-to-face transaction medium-sized and small enterprises prestige and financing credit standard system are for the assessment of medium-sized and small enterprises prestige and to the finance system of standard of credit rating.This system is mainly by the assessment of system cumulative data to applicant's prestige, determine the amount that should provide a loan, evaluation record by seller's historical trading, the intrasystem accounts receivable situation of delivery of cargo is integrated processing honouring an agreement, information after integrating is connected with enterprise's credit system of bank or other financial institution, for the seller, obtain the loan facility of flexible loan, for credit agency provides reliable credit standard.
This system has also been set loan returning mechanism flexibly for the repayment of loan.Can realize amortization, also can repay in a lump sum.The channel of repaying, is directly cleared to loan bank or financial institution by Loan Agreement by adapting system.If there is promise breaking to occur, system seller's accounts receivable is cleared to lending instruction by pen, and can deduct in the lump fine.Concrete method of punishment and the amount of money will be as the criterion with the agreement subscribed to the agreement.Main points are as follows:
Credit rating: the evaluation of the seller's credit level is the transactions history evaluation record that at first system gathers transaction platform, from this record, knows seller's credit quality, the stability of transaction, the ability of circulating capital and the confidence level of accounts receivable.Under the delivery of cargo system of honouring an agreement, can collect seller's funds on account scale information, intuitively react the ability that the seller repays debt.
Make loans: the credit rating information that native system will gather is connected with the credit system of many banks, financial institution, directly seller's financing relevant information is sent to financial institution, and after financial institution agreed to make loans, system was directly by clearance mechanism, and control is made loans.
Refund: the pattern of repaying is also various and easily, except amortization, can also repay in a lump sum, and also can set different repayment patterns for agreement, is applicable to different seller's demands, has also avoided cash flow not mate simultaneously and the repaying difficulty that causes.
Promise breaking: the Treatment for Default system of this system is for seller's violations, adapting system will with the seller follow-up answer receipt on account
Money is cleared to lending instruction, can realize collecting of penalty simultaneously.
Claims (2)
1. a non-face-to-face transaction medium-sized and small enterprises prestige and the credit standard system of financing, comprise credit evaluation information acquisition module, credit rating module, loan administration module, refund administration module and promise breaking administration module, it is characterized in that:
Credit evaluation information acquisition module: complete the information of assessment credit, comprise the accounts receivable situation of honouring an agreement under the delivery of cargo system is comprehensively collected and be captured in to the evaluation of platform seller historical trading record;
Credit rating module: the information gathered by the credit evaluation information acquisition module, buyer's credit at transaction platform is made to an informative assessment, and, by connecting the credit system of bank or financial institution, this seller's credit level is done to further assessment and confirm;
Loan administration module: according to the rating result of credit rating module, the amount of the loan and credit level are mated, by the credit rating module, connect many banks and financial institution, for the seller matches the optimal amount of the loan, finally the last loan value of determining is cleared to merchant account by the clearance platform;
The refund administration module: the refund pattern of this module comprises amortization, repays in a lump sum, and formulates personalized mode of repayment by native system;
The Treatment for Default module: monitoring trade company refund situation, if there is the situation of trade company's promise breaking, process in time, comprise and record trade company's promise breaking record, interception merchant transaction.
2. a kind of non-face-to-face transaction medium-sized and small enterprises prestige according to claim 1 and financing credit standard system, it is characterized in that: described credit evaluation information acquisition module, credit rating module and promise breaking administration module are connected with trade company's credit record storehouse, and trade company's credit record storehouse is connected with the merchant transaction record simultaneously; The credit rating module is connected with the bank credit system.
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CN111951095B (en) * | 2020-08-11 | 2023-07-25 | 中国工商银行股份有限公司 | Credit service processing method and device |
CN112508686A (en) * | 2020-12-16 | 2021-03-16 | 金网络(北京)电子商务有限公司 | Supply chain financial credit line post-processing method and system |
CN113011972A (en) * | 2021-04-28 | 2021-06-22 | 阜阳市星启链数据科技有限公司 | Financial security transaction system based on supply chain |
CN114331223A (en) * | 2022-03-04 | 2022-04-12 | 江苏苏宁银行股份有限公司 | Enterprise credit risk assessment method and device based on association rule |
CN114611972A (en) * | 2022-03-21 | 2022-06-10 | 广东贤能数字科技有限公司 | Merchant credit rating system and method based on artificial intelligence |
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