CN106157136A - A kind of supply chain financial service management system and method - Google Patents
A kind of supply chain financial service management system and method Download PDFInfo
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- CN106157136A CN106157136A CN201610772025.2A CN201610772025A CN106157136A CN 106157136 A CN106157136 A CN 106157136A CN 201610772025 A CN201610772025 A CN 201610772025A CN 106157136 A CN106157136 A CN 106157136A
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Abstract
The present invention relates to a kind of supply chain financial service management system and method, relate to supply chain financial services industry.Purpose is to solve existing supply chain financial service management imperfection, problem unsound, irrational.First customer information has been audited registration by the present invention, and to supplementing with money and the information of withdrawing deposit is cleared, then the client of financing request is shown, and financing fund is processed and manages, then the historical data of customer information and financing is shown, and ask to audit to the financing of client, finally financing project and the fund raised of client successful to final review is shown.The present invention, with accounts receivable for financing foundation, alleviates the problem that the Financing come into contacts with core enterprise is difficult to a certain extent.
Description
Technical field
The present invention relates to supply chain financial services industry.
Background technology
Along with deepening continuously of socialization's mode of production, the market competition competition between single client is changed into confession
Answer the competition between chain and supply chain, unified supply chain internal each side mutual dependence for existence, " share success, injure all "；Same with this
Time, owing to selling the main way becoming transaction on credit, it is in the supplier of supply chain middle and upper reaches, is difficult to the credit by " traditional "
Mode obtains the financial support of bank, and lacks of capital and can directly result in the stagnation of follow-up link, even " chain rupture " occurs.Dimension
Protect the existence of place supply chain, improve the effect of supply chain Cash Flow, reduce the management cost that supply chain is overall, have become as
The important topic that each side tries to explore, therefore, " Supply chain financing " series financial product arises at the historic moment.
Under this main trend, the development of China's supply chain finance is the most very fast, but remains a lot of problem.
1, supply chain financial business pattern imperfection
Carrying out supply chain financial business most common method is exactly to cut from core enterprise, and this is also the universal of International Banks
Way.At present, major part business bank is during supply chain financial business is marketed, and center of gravity concentrates on Large core enterprise equally
Above industry, and ignore a large amount of medium-sized and small enterprises in supply chain financial system.From the point of view of core enterprise of China management position.Due to warp
Battalion's situation is the most stable, adds the location government protectionism tradition to large enterprise, and there are being fund in these core enterprises
During demand, it is thus achieved that the channel of fund is a lot of the most also and in time, negative attitude when this necessarily causes it to treat Supply chain financing instrument,
Because he can consider whether Supply chain financing instrument can limit oneself by buying upstream on credit and downstream advance payment being taken energy
Power and the upstream and downstream medium-sized and small enterprises occupation problem to self accrediting amount.So that Large core enterprise is in supply chain finance work
Conflict psychology in terms of tool, is unfavorable for the long term growth of supply chain.
2, supply chain Financial Management pattern is unsound
First, the enthusiasm of directly-managed department marketing is the highest.Aggravation and Supply chain financing business institute due to banking competition
The various advantages of performance, each commercial silver provisional capital is paid much attention to the construction of this business and carries out.But some of management mode existence
Problem causes basic unit's sales department the highest to the enthusiasm of supply chain business marketing.Secondly, personnel and department's unreasonable allocation are
Big problem is to accomplish the special hilllock of special messenger, and supply chain financial business is drawn corporate business portion and managed by a lot of business banks
Reason, even can not accomplish the special hilllock of special messenger, but undertake the whole things, and supply chain financial business project to be responsible for be responsible for is borrowed
The financing tool such as loan outside money, interior guarantor.
3, supply chain finance financing method is unreasonable
In two grades of branches of some large-scale nationalized banks, the most do not used can be found everywhere of supply chain financial product.
The security of loan is also only confined in the kind that traditional real estate and right to use the land etc. are easily cashed, and causes this result
Main cause have following some: first, from the standpoint of risk, customer manager's often Selection utilization oneself be familiar with financial work
Have and finance for client.As a example by dynamically pledging mode, dynamically pledge security and be mostly semi-finished product or other the strongest professional products
Finished product, it is not easy to cash, did not the most carry out this type of business, and once enterprise's promise breaking is easy to cause the biggest wind to bank
Danger, the chief leading cadre of its business will face the severeest punishment, so nobody can actively use by dynamically pledging
Mode be Financing.Secondly, the most effectively set up with the partnership of loglstics enterprise.Main cause still lacks
The weary professional being engaged in Supply chain financing business, by carrying out exchanging discovery with the customer manager of supervisor's supply chain, they are right
In the concept that Supply chain financing business also neither one is apparent from, present operational action is also only confined in other regions of assistance
Supply chain upstream firm is in the business development of this area, and the construction of the supply chain of non-dominant this area, causes supply chain to be melted
Money business is made slow progress.
The new period improves the improvement strategy of supply chain financial development
1, Marketing Strategies is changed
For Supply chain financing business, business bank during commencing business to oneself having one reasonably
Location.Seeking development with service, it is provided that supply chain financial service the most efficient, top quality, the core of competitiveness is preferably to take
Business client, allows customer satisfaction, and the most still marquee account of client here, is also medium and small client.Due to from core enterprise for incision
Point may face more difficulty, advances supply chain finance to build with medium-sized and small enterprises for starting point so advocating.Generally,
Enterprise will experience evolution from small to large, and the marketing to little client is also to enter for potential big customer in the long run
Pass through battalion.If bank can provide high-quality, the fund of low cost for it on the road of Small and Medium Sized Enterprise Growth and settle accounts and wealth
Thering is provided guidance and help for it in business, supply chain management, this will cultivate, for bank, the large-scale core that sense of belonging is strong, dependency is high undoubtedly
Heart enterprise, provides customer resources endlessly for bank's future development and participation future competition.
2, bank-electricity business-Logistics Cooperation is strengthened
Strengthen bank-electricity business-Logistics Cooperation, accelerate modern supply chain financial sector and build.The Internet finance is as new life
Product, we can not underestimate the long-range change ability that it may bring.At science and technology development, innovation has become as this world
In the epoch of main motive force, bank must keep the attitude containing, innovating and open the moment, actively add the big stream of innovation, think
Side manages to allow that existing financial system is more active, preferably service entities economy.Medium-sized and small enterprises are healthy under good financing environment
Growing up, could provide power endlessly for China's economic, the enterprise such as bank, ecommerce could protect in competition with development
Hold vigor.
3, innovation standardization can be combined product
Financial service man-to-man from traditional enterprise and bank is different, and supply chain finance is a series of, by finance machine
Structure is the product bunch that in supply chain, all member enterprises provide financial service, provides supply chain members individuality based on supply chain
Excellent difference or identical product and combination, be the integrated service at a kind of visual angle based on industry and industrial chain.Need first to lead to
Crossing and analyze some financial service demands that supply chain is general, the basic product designing versatility moderate solves, and so can lead to
Cross the Rapid Combination to these standard products and meet the demand of overall supply chain financial service, improve supply chain financial product
Design efficiency.And to the analysis of the product demand of these versatilities and design, except can be provided by from existing business bank
Outside product screening and revising, in addition it is also necessary to financial service demand is effectively segmented and analyzes, at reasonably clothes
Research and development and the integration of basic product is carried out in the range of business.After modular financial service product design completes, in addition it is also necessary to supporting build
Vertical a set of rapid-action block combiner mode, quickly and to effectively provides the series of products after combination for financial client.
Summary of the invention
The present invention is to solve the problems that existing supply chain financial service management aspect exists, it is proposed that a kind of supply
Chain financial service management system and method.
The technical scheme is that a kind of supply chain financial service management system, this is
System includes:
Client's financial system, for the registration of customer information, and asks to process to the financing of client；
System for settling account, for auditing customer information, and to supplementing with money and the information of withdrawing deposit is cleared；
Core enterprise management system, for financing request client be shown, and to financing fund carry out process and
Management；
Bank management system, for the historical data of customer information and financing is shown, and please to the financing of client
Ask and audit；
Investment and financing display systems, financing project and fund raised for client successful to final review are shown.
Further, described client's financial system includes:
Authenticated client module, carries out information registering for client, and provides relevant evidential material to transfer to system for settling account to carry out
Background audit；
Contract online module, complete to contract for the invitation letter of financing of on-line signing after system for settling account audit successfully；
Bank's access application module, for the access approval of online application bank, and transfers to bank management system to examine；
Financing by accounts receivable application module, is used for showing accounts receivable list of can financing, and selects accounts receivable application to melt
Money；
Account balance judge module, it is judged that account balance the most enough payment services expenses, no, then carry out supplementing operation with money, be,
Then also starve by core enterprise's management system amendment funds on account and confirm accounts receivable letter, and transferring to bank management system to finance
Examination & approval；
Supplement module with money, for account is supplemented with money operation, and transfer to system for settling account process to supplement detail with money；
Financing examination & approval confirm module, are used for confirming financing approval information and contracting related protocol；
Deduct fees module, be used for deducting service charge and the accrediting amount, and logical after transferring to bank management system to carry out financing examination & approval
Cross investment and financing display systems and show financing project；
Withdraw deposit module, for operation that the remaining sum in account is withdrawn deposit, and withdraw deposit application to system for settling account transmission；
Financing money acquisition module, for obtaining the financing fund that investment and financing display systems is raised.
Further, described system for settling account includes:
Customer information display module, is shown for the data information providing client in client's financial system；
Customer information auditing module, is used for auditing client certificate data, and customer data information examination & verification passed through sends
It is shown in client's financial system and bank management system；
Supplement detailed processing module with money, process for account is supplemented with money the detail in operating process and add up；
Withdraw deposit application module, process for the request that account is withdrawn deposit；
Treat refund financing project pushing module, for financing project to be refunded being sent to core enterprise's management system
Remind it to refund.
Further, described core enterprise management system includes:
Client screens module, for receiving client's permit standard that bank management system is appraised and decided, and according to this standard to visitor
Customer type in the financial system of family is screened；
Merchant information display module, is shown for the data information providing client in client's financial system；
Trade company's character judge module, is used for confirming whether trade company belongs to middle business, is, then transfer to system for settling account to client certificate
Data is audited, no, then send feedback states to system for settling account and terminate register flow path；
Transmission module in accounts receivable, is used for uploading accounts receivable, and sends accounts receivable list to client's financial system
And bank management system；
Funds on account amount of money modified module, is used for revising funds on account remaining sum and confirming accounts receivable letter, transfers to bank management system simultaneously
System carries out financing examination & approval；
Refund module, waits, for receive that system for settling account sends, financing bulleted list of refunding, and refunds treating in list
Financing project is refunded, to recover the accrediting amount.
Further, described bank management system includes:
Customer Standard setting module, is used for appraising and deciding client's permit standard, and transfers to core enterprise's management system to carry out client
Screening；
Client's msu message display module, for showing the customer information that aptitude checking passes through；
Bill and account receivable data display module, is used for showing client's account receivable report and historical data；
Access qualification first trial module, for auditing financing access qualification for the first time according to trade company's data；
Finance an approval module, for the financing information after amendment funds on account remaining sum is once examined, including editor
Amendment finance rate, service rate, the financing amount of money, financing time limit, joint liability warranty also generate agreement Electronic Signature；
Financing secondary approval module, carries out secondary examination & approval for financing is once examined the financing information passed through, including compiling
Collect amendment finance rate, service rate, the financing amount of money, financing time limit, joint liability warranty and generate agreement Electronic Signature,
And result transmission qualified for examination & approval is carried out validation of information to client's financial system；
Finance three approval module, carry out three examination & approval for make-up except the financing information of service charge and the accrediting amount, and
Financing project information examination & approval passed through is shown by investment and financing display platform；
Fund clearing module, for clearing the fund raised in investment and financing display systems, and sends out financing fund
Give client financial system；
Gathering module, for receiving the refund fund treating refund financing project of core enterprise's management module.
The invention has the beneficial effects as follows: the present invention, with accounts receivable for financing foundation, is alleviated and core to a certain extent
The problem of the Financing difficulty that enterprise comes into contacts with.This Financing Mode allows core enterprise reduce cost, raising further
Benefit, enhance one's market competitiveness；The capital turnover problem of upstream and downstream medium-sized and small enterprises can be solved.Meanwhile, in also allowing bank expand
Between revenue source, stablize Clearing House deposit, bank must conscientiously audit the verity of both sides' trade background, prevents the false trade of enterprise
Easily relation gains bank loan by cheating, on the premise of core enterprise tenders guarantee, allows participant in many ways all acquire an advantage maximization, and
Define prestige chain to alleviate the predicament of circulating fund shortage.Financing by accounts receivable be bank according to supplier and core enterprise it
Between true sale relation and payment agreement, using cash flow produced by accounts receivable as refund source, carry to medium-sized and small enterprises
For financing product.Bank by using the current assets of enterprise self as supporting, the method for enterprise credit, for medium-sized and small enterprises
Provide brand-new credit extending channel, well solve a Financing difficult problem.
A kind of supply chain financial service management method, the method includes:
Client finances step, for the registration of customer information, and asks to process to the financing of client；
Clearance step, for auditing customer information, and to supplementing with money and the information of withdrawing deposit is cleared；
Core enterprise's management process, for financing request client be shown, and to financing fund carry out process and
Management；
Bank management step, for the historical data of customer information and financing is shown, and please to the financing of client
Ask and audit；
Step is shown in investment and financing, and financing project and fund raised for client successful to final review are shown.
Further, described client step of financing includes:
Authenticated client step, carries out information registering for client, and provides relevant evidential material to transfer to clearance step to carry out
Background audit；
Contracting online step, after audit successfully when clearance step, on-line signing invitation letter of financing completes to contract；
Bank's access application step, for the access approval of online application bank, and transfers to bank management step to examine；
Financing by accounts receivable application step, is used for showing accounts receivable list of can financing, and selects accounts receivable application to melt
Money；
Account balance judges step, it is judged that account balance the most enough payment services expenses, no, then carry out supplementing operation with money, be,
Then also starve by core enterprise's management process amendment funds on account and confirm accounts receivable letter, and transferring to bank management step to finance
Examination & approval；
Supplement step with money, for account is supplemented with money operation, and transfer to clearance step process to supplement detail with money；
Financing examination & approval confirm step, are used for confirming financing approval information and contracting related protocol；
Deduct fees step, be used for deducting service charge and the accrediting amount, and logical after transferring to bank management step to carry out financing examination & approval
Cross investment and financing and show that step shows financing project；
Withdraw deposit step, for operation that the remaining sum in account is withdrawn deposit, and withdraw deposit application to clearance step transmission；
Financing money obtaining step, for obtaining the financing fund that investment and financing shows that step is raised.
Further, described clearance step includes:
Customer information shows step, and the data information that client provides in step of financing client is shown；
Customer information examination & verification step, is used for auditing client certificate data, and customer data information examination & verification passed through sends
Finance to client and step and bank management step are shown；
Supplement detailed process step with money, process for account is supplemented with money the detail in operating process and add up；
Withdraw deposit application step, process for the request that account is withdrawn deposit；
Treat that refund financing project pushes step, for financing project to be refunded being sent to core enterprise's management process
Remind it to refund.
Further, described core enterprise management process includes:
Client screens step, for receiving client's permit standard that bank management step is appraised and decided, and according to this standard to visitor
Customer type in the financing step of family is screened；
Merchant information shows step, and the data information that client provides in step of financing client is shown；
Trade company's character judges step, is used for confirming whether trade company belongs to middle business, is, then transfer to clear step to client certificate
Data is audited, no, then send feedback states to clearance step and terminate register flow path；
Accounts receivable uploading step, is used for uploading accounts receivable, and step of accounts receivable list transmission to client being financed
With bank management step；
Funds on account amount of money amendment step, is used for revising funds on account remaining sum and confirming accounts receivable letter, transfers to bank management to walk simultaneously
Suddenly financing examination & approval are carried out；
Refund step, waits, for receive that clearance step sends, financing bulleted list of refunding, and refunds treating in list
Financing project is refunded, to recover the accrediting amount.
Further, described bank management step includes:
Customer Standard setting procedure, is used for appraising and deciding client's permit standard, and transfers to core enterprise's management process to carry out client
Screening；
Client's msu message shows step, for showing the customer information that aptitude checking passes through；
Bill and account receivable data display step, is used for showing client's account receivable report and historical data；
Access qualification first trial step, for auditing financing access qualification for the first time according to trade company's data；
Financing once examines step, for once examining the financing information after amendment funds on account remaining sum, including editor
Amendment finance rate, service rate, the financing amount of money, financing time limit, joint liability warranty also generate agreement Electronic Signature；
Financing secondary examination & approval step, carries out secondary examination & approval for financing is once examined the financing information passed through, including compiling
Collect amendment finance rate, service rate, the financing amount of money, financing time limit, joint liability warranty and generate agreement Electronic Signature,
And step of result transmission qualified for examination & approval to client being financed carries out validation of information；
Finance three times and examine steps, carry out three examination & approval for make-up except the financing information of service charge and the accrediting amount, and
Financing project information examination & approval passed through is shown by investment and financing display platform；
Fund clearing step, for investment and financing being shown, the fund raised in step is cleared, and sends out financing fund
Give client to finance step；
Gathering step, for receiving the refund fund treating refund financing project of core enterprise's management process.
Accompanying drawing explanation
Fig. 1 is the principle schematic of the supply chain financial service management system described in the embodiment of the present invention；
Fig. 2 is the principle schematic of the client's financial system 1 described in the embodiment of the present invention；
Fig. 3 is the principle schematic of the system for settling account 2 described in the embodiment of the present invention；
Fig. 4 is the principle schematic of the core enterprise's management system 3 described in the embodiment of the present invention；
Fig. 5 is the principle schematic of the bank management system 4 described in the embodiment of the present invention；
Fig. 6 is the flow chart of the supply chain financial service management method described in the embodiment of the present invention；
Fig. 7 is that the client described in the embodiment of the present invention finances the flow chart of step；
Fig. 8 is the flow chart of the clearance step described in the embodiment of the present invention；
Fig. 9 is the flow chart of the core enterprise's management process described in the embodiment of the present invention；
Figure 10 is the flow chart of the bank management step described in the embodiment of the present invention.
In accompanying drawing, the list of parts representated by each label is as follows:
1, client's financial system, 2, system for settling account, 3, core enterprise's management system, 4, bank management system, 5, investment and financing
Display systems, 6, authenticated client module, 7, contract module online, 8, bank's access application module, 9, financing by accounts receivable application
Module, 10, account balance judge module, 11, supplement module with money, 12, financing examination & approval confirm module, 13, module of deducting fees, 14, withdraw deposit
Module, 15, financing money acquisition module, 16, customer information display module, 17, customer information auditing module, 18, supplement with money at detail
Reason module, 19, application module of withdrawing deposit, 20, treat refund financing project pushing module, 21, client screen module, 22, merchant information
Display module, 23, trade company's character judge module, 24, transmission module in accounts receivable, 25, funds on account amount of money modified module, 26, refund
Module, 27, Customer Standard setting module, 28, approval by the client information display module, 29, bill and account receivable data display module, 30,
Access qualification first trial module, 31, financing approval module, 32 financing secondary approval module, 33, financing three approval module,
34, fund clearing module, 35, gathering module.
Detailed description of the invention
Being described principle and the feature of the present invention below in conjunction with accompanying drawing, example is served only for explaining the present invention, and
Non-for limiting the scope of the present invention.
Embodiment 1
As it is shown in figure 1, the present embodiment proposes a kind of supply chain financial service management system, this system includes:
Client's financial system 1, for the registration of customer information, and asks to process to the financing of client；
System for settling account 2, for auditing customer information, and to supplementing with money and the information of withdrawing deposit is cleared；
Core enterprise management system 3, for financing request client be shown, and to financing fund carry out process and
Management；
Bank management system 4, for the historical data of customer information and financing is shown, and please to the financing of client
Ask and audit；
Investment and financing display systems 5, financing project and fund raised for client successful to final review are shown.
The system that the present embodiment proposes, with accounts receivable for financing foundation, is alleviated to a certain extent and is played friendship with core enterprise
The problem of the Financing difficulty in road.This Financing Mode allows core enterprise reduce cost further, to increase the benefit, strengthen
The market competitiveness；The capital turnover problem of upstream and downstream medium-sized and small enterprises can be solved.Meanwhile, also allow bank expand middle income come
Source, stablize Clearing House deposit, bank must conscientiously audit the verity of both sides' trade background, prevents enterprise's false trading relation from deceiving
Take bank loan, on the premise of core enterprise tenders guarantee, allow participant in many ways all acquire an advantage maximization, and define letter
Reputation chain alleviates the predicament of circulating fund shortage.What financing by accounts receivable was bank according between supplier and core enterprise is true
Transaction relationship and payment agreement, using cash flow produced by accounts receivable as source of refunding, provide financing to produce to medium-sized and small enterprises
Product.Bank, is provided as support, the method for enterprise credit for medium-sized and small enterprises by the current assets using enterprise self entirely
New credit extending channel, well solve a Financing difficult problem.
Preferably, as in figure 2 it is shown, described client's financial system 1 includes:
Authenticated client module 6, carries out information registering for client, and provides relevant evidential material to transfer to system for settling account 2 to enter
Row background audit；
Online signing module 7, completes signing for the financing invitation letter of on-line signing after system for settling account 2 is audited successfully；
Bank's access application module 8, for the access approval of online application bank, and transfers to bank management system 4 to examine
Batch；
Financing by accounts receivable application module 9, is used for showing accounts receivable list of can financing, and selects accounts receivable application to melt
Money；
Account balance judge module 10, it is judged that account balance the most enough payment services expenses, no, then carry out supplementing operation with money,
It is then to revise funds on account by core enterprise's management system 3 and also starve and confirm accounts receivable letter, and transfer to bank management system 4 to enter
Row financing examination & approval；
Supplement module 11 with money, for account is supplemented with money operation, and transfer to system for settling account 2 process to supplement detail with money；
Financing examination & approval confirm module 12, are used for confirming financing approval information and contracting related protocol；
Deduct fees module 13, be used for deducting service charge and the accrediting amount, and after transferring to bank management system 4 to carry out financing examination & approval
Financing project is shown by investment and financing display systems 5；
Withdraw deposit module 14, for operation that the remaining sum in account is withdrawn deposit, and withdraw deposit application to system for settling account 2 transmission；
Financing money acquisition module 15, for obtaining the financing fund that investment and financing display systems 5 is raised.
Preferably, as it is shown on figure 3, described system for settling account 2 includes:
Customer information display module 16, is shown for the data information providing client in client's financial system 1；
Customer information auditing module 17, is used for auditing client certificate data, and the customer data information that examination & verification is passed through is sent out
Give in client's financial system 1 and bank management system 4 and be shown；
Supplement detailed processing module 18 with money, process for account is supplemented with money the detail in operating process and add up；
Withdraw deposit and apply for module 19, process for the request that account is withdrawn deposit；
Treat refund financing project pushing module 20, for financing project to be refunded being sent to core enterprise's management system
It is reminded to refund in 3.
Preferably, as shown in Figure 4, described core enterprise management system 3 includes:
Client screens module 21, for receiving client's permit standard that bank management system 4 is appraised and decided, and according to this standard pair
Customer type in client's financial system 1 is screened；
Merchant information display module 22, is shown for the data information providing client in client's financial system 1；
Trade company's character judge module 23, is used for confirming whether trade company belongs to middle business, is, then transfer to system for settling account 2 to client
Certificate data is audited, no, then send feedback states to system for settling account 2 and terminate register flow path；
Transmission module 24 in accounts receivable, are used for uploading accounts receivable, and send to client to finance by accounts receivable list and be
System 1 and bank management system 4；
Funds on account amount of money modified module 25, is used for revising funds on account remaining sum and confirming accounts receivable letter, transfers to bank management simultaneously
System 4 carries out financing examination & approval；
Refund module 26, for receiving the financing bulleted list of refunding of waiting of system for settling account 2 transmission, and to treating also in list
Money financing project is refunded, to recover the accrediting amount.
Preferably, as it is shown in figure 5, described bank management system 4 includes:
Customer Standard setting module 27, is used for appraising and deciding client's permit standard, and transfers to core enterprise's management system 3 to carry out visitor
The screening at family；
Client's msu message display module 28, for showing the customer information that aptitude checking passes through；
Bill and account receivable data display module 29, is used for showing client's account receivable report and historical data；
Access qualification first trial module 30, for auditing financing access qualification for the first time according to trade company's data；
Finance an approval module 31, for the financing information after amendment funds on account remaining sum is once examined, including compiling
Collect amendment finance rate, service rate, the financing amount of money, financing time limit, joint liability warranty and generate agreement Electronic Signature；
Financing secondary approval module 32, carries out secondary examination & approval for financing is once examined the financing information passed through, including
Edit-modify finance rate, service rate, the financing amount of money, financing time limit, joint liability warranty also generate agreement electronics label
Chapter, and result transmission qualified for examination & approval is carried out validation of information to client's financial system 1；
Finance three approval module 33, carry out three examination & approval for make-up except the financing information of service charge and the accrediting amount,
And be shown examining the financing project information passed through by investment and financing display platform；
Fund clearing module 34, for the fund raised in investment and financing display systems 5 is cleared, and fund of financing
It is sent to client's financial system 1；
Gathering module 35, for receiving the refund fund treating refund financing project of core enterprise's management module.
Embodiment 2
As shown in Figure 6, the present embodiment proposes a kind of supply chain financial service management method, and the method includes:
Client finances step, for the registration of customer information, and asks to process to the financing of client；
Clearance step, for auditing customer information, and to supplementing with money and the information of withdrawing deposit is cleared；
Core enterprise's management process, for financing request client be shown, and to financing fund carry out process and
Management；
Bank management step, for the historical data of customer information and financing is shown, and please to the financing of client
Ask and audit；
Step is shown in investment and financing, and financing project and fund raised for client successful to final review are shown.
Preferably, as it is shown in fig. 7, described client finances, step includes:
Authenticated client step, carries out information registering for client, and provides relevant evidential material to transfer to clearance step to carry out
Background audit；
Contracting online step, after audit successfully when clearance step, on-line signing invitation letter of financing completes to contract；
Bank's access application step, for the access approval of online application bank, and transfers to bank management step to examine；
Financing by accounts receivable application step, is used for showing accounts receivable list of can financing, and selects accounts receivable application to melt
Money；
Account balance judges step, it is judged that account balance the most enough payment services expenses, no, then carry out supplementing operation with money, be,
Then also starve by core enterprise's management process amendment funds on account and confirm accounts receivable letter, and transferring to bank management step to finance
Examination & approval；
Supplement step with money, for account is supplemented with money operation, and transfer to clearance step process to supplement detail with money；
Financing examination & approval confirm step, are used for confirming financing approval information and contracting related protocol；
Deduct fees step, be used for deducting service charge and the accrediting amount, and logical after transferring to bank management step to carry out financing examination & approval
Cross investment and financing and show that step shows financing project；
Withdraw deposit step, for operation that the remaining sum in account is withdrawn deposit, and withdraw deposit application to clearance step transmission；
Financing money obtaining step, for obtaining the financing fund that investment and financing shows that step is raised.
Preferably, as shown in Figure 8, described clearance step includes:
Customer information shows step, and the data information that client provides in step of financing client is shown；
Customer information examination & verification step, is used for auditing client certificate data, and customer data information examination & verification passed through sends
Finance to client and step and bank management step are shown；
Supplement detailed process step with money, process for account is supplemented with money the detail in operating process and add up；
Withdraw deposit application step, process for the request that account is withdrawn deposit；
Treat that refund financing project pushes step, for financing project to be refunded being sent to core enterprise's management process
Remind it to refund.
Preferably, as it is shown in figure 9, described core enterprise management process includes:
Client screens step, for receiving client's permit standard that bank management step is appraised and decided, and according to this standard to visitor
Customer type in the financing step of family is screened；
Merchant information shows step, and the data information that client provides in step of financing client is shown；
Trade company's character judges step, is used for confirming whether trade company belongs to middle business, is, then transfer to clear step to client certificate
Data is audited, no, then send feedback states to clearance step and terminate register flow path；
Accounts receivable uploading step, is used for uploading accounts receivable, and step of accounts receivable list transmission to client being financed
With bank management step；
Funds on account amount of money amendment step, is used for revising funds on account remaining sum and confirming accounts receivable letter, transfers to bank management to walk simultaneously
Suddenly financing examination & approval are carried out；
Refund step, waits, for receive that clearance step sends, financing bulleted list of refunding, and refunds treating in list
Financing project is refunded, to recover the accrediting amount.
Preferably, as shown in Figure 10, described bank management step includes:
Customer Standard setting procedure, is used for appraising and deciding client's permit standard, and transfers to core enterprise's management process to carry out client
Screening；
Client's msu message shows step, for showing the customer information that aptitude checking passes through；
Bill and account receivable data display step, is used for showing client's account receivable report and historical data；
Access qualification first trial step, for auditing financing access qualification for the first time according to trade company's data；
Financing once examines step, for once examining the financing information after amendment funds on account remaining sum, including editor
Amendment finance rate, service rate, the financing amount of money, financing time limit, joint liability warranty also generate agreement Electronic Signature；
Financing secondary examination & approval step, carries out secondary examination & approval for financing is once examined the financing information passed through, including compiling
Collect amendment finance rate, service rate, the financing amount of money, financing time limit, joint liability warranty and generate agreement Electronic Signature,
And step of result transmission qualified for examination & approval to client being financed carries out validation of information；
Finance three times and examine steps, carry out three examination & approval for make-up except the financing information of service charge and the accrediting amount, and
Financing project information examination & approval passed through is shown by investment and financing display platform；
Fund clearing step, for investment and financing being shown, the fund raised in step is cleared, and sends out financing fund
Give client to finance step；
Gathering step, for receiving the refund fund treating refund financing project of core enterprise's management process.
Embodiment 3
The present embodiment by flow process in detail below illustrate the present invention in actual applications implement process.
1, trade company first registered before financing: input handset number, arranged login password, inputted picture validation code, so
Obtain short message verification code by cell-phone number afterwards, input public number invitation code, check and consenting user log-in protocol, succeed in registration；
2, after user registration success, the essential information of individual/enterprise is improved, including mechanism's full name, organization
Code, business license number, loan card number, loan clip pin, legal representative/director, legal representative/director's identity
The information such as card number, actual holding people, actual holding people's ID (identity number) card No., address, postcode, affiliated industry and E-mail address；
3, fill in enterprise or individual to public accounts information, including name on account, enterprise or individual to public account, open an account
Go, open an account provinces and cities, outlet etc.；
4, upload successively business license original, organizational structure code card original, national tax/land tax Tax Registration Certificate, in levy code
And status of a legal person card；
5, uploading supply of material framework contract successively, individual's registration also needs to upload individual's reference inquiry power of attorney, mends if any other
Fill agreement, upload supply of material complementary agreement, it is also possible to upload other service profile；
6, choose whether to use UK digital certificate to carry out authentication, if here selecting to use UK digital certificate to carry out
Certification, loan examination & approval percent of pass can improve, and examination & approval make loans speed faster；If not selecting to use UK digital certificate to be authenticated,
Loan is examined percent of pass and returns money speed then relative reduction；If UK digital certificate authentication is failed or does not select UK numeral to demonstrate,prove
Book is authenticated, and system then will be automatically assigned to the mechanism of manual examination and verification；If UK certification success, customer data can send to core
Heart enterprise management system 3 waits aptitude checking；
It is more than procedure information involved in user registration course, system for settling account 2 and core enterprise's management system 3
The examination & verification of the common customer information that cooperated and management, specific as follows:
1, input account, password login core enterprise management system 3 in, core enterprise the identity of client is confirmed and
Judge customer management type；
2, after client identity and working group confirm, system for settling account 2 needs to audit the qualification of client, enters clear
In calculation system 2；
3, input account, password login system for settling account 2, opens client qualification auditing menu, detailed by checking individual/enterprise
Feelings, audit the qualification of client；
4, core enterprise confirms it is middle business client to client, and after system for settling account 2 aptitude checking passes through, display examination & verification is passed through
The page, then application CFCA certificate；
5, organization user prepare that CFCA mechanism certificate application form is stamped an offical seal, enterprise's copy of the business license is stamped an offical seal,
Scanned copy and legal representative's power of attorney of handler's licensee's identity card are stamped an offical seal；Personal user prepares CFCA personal certificate
Application form and personal identity card scanned copy scanning of materials send to specifying mailbox, wait the granting of certificate；
6, after certificate request success, installing CFCA certificate, select corresponding certificate after installing successfully, input handset number is with close
Code logs in.
It is above system for settling account 2 and core enterprise manages the process that the qualification of user is audited by system 3, below continue
Illustrate that the signing of user operates:
1, service agreement is signed；
2, after contracting successfully, loan product type is selected, including supplies credit and financing by accounts receivable；
3, after selecting loan product type, financial institution is selected；
4, according to the loan product selected and financial institution, system is automatically assigned to corresponding Financing Mode.
Below as a example by the financing by accounts receivable pattern of a certain bank, illustrate finance flow process:
1, after the reference power of attorney being carried out Electronic Signature, entering financing access application, core enterprise uploads accounts receivable number
According to being synchronized to bank management system 4；
2, log in core enterprise's management system 3, open accounts receivable Institution list to be uploaded；
3, upload accounts receivable, upload and be divided into single to upload and upload in batches, first downloads template, should according to template typing
Receiving accounts receivable information, import funds on account and generate the total letter of accounts receivable, data will be synchronized to bank management system 4 and client finances and is
System 1, and provide foundation for the examination & approval of bank financing access；
4, log in bank management system 4, open financing access examination & approval menu, go through according to the accounts receivable that core enterprise uploads
History data and client's essential information carry out access examination & approval of financing to this enterprise, and the examination & approval of bank financing access are divided into the first sentence and two
Examining, the first sentence can be rejected to client's financial system 1, allows client remodify data, and second trial can be rejected to the first sentence and again examine；
5, after bank financing access examination & approval second trial is passed through, receipt on account can be answered to selecting correspondence after notification of the assignment letter stamped signature
Money, carries out financing application operation；
6, platform service expense is prepay, as account balance deficiency is then supplemented with money, as account balance is last, successfully carry
Blending money application, waits that accounts receivable is determined by core enterprise；
7, logging in core enterprise's management system 3, core enterprise confirms and revises the accounts receivable amount of money, signs accounts receivable true
Recognize letter；
8, after core enterprise confirms accounts receivable, push to bank management system 4 and carry out financing for the first time and for the second time examining
Criticize and contract；
9, after trade company contracts agreement at the appointed time, select corresponding accounts receivable to pay the bill, wait bank management system
System 4 carries out third time and finances examination & approval, and demonstrates, at service charge record of withholing, the information of withholing；
10, the examination & approval of bank management system 4 financing are by rear, and financing accounts receivable project pushes to bank and is correlated with investment and financing exhibition
Showing that system 5 is financed, financing flow process terminates, and wait is made loans；After bank management system 4 financing examination & approval rejection, move back in service charge
Money record shows and actual deduction platform service expense is restored to account.
Be above concrete finance process, in the account in the minds of, user can select corresponding bank card to be account charging,
Application of withdrawing deposit can also be proposed at any time, account of withdrawing deposit within a certain period of time.
The foregoing is only presently preferred embodiments of the present invention, not in order to limit the present invention, all spirit in the present invention and
Within principle, any modification, equivalent substitution and improvement etc. made, should be included within the scope of the present invention.
Claims (10)
1. a supply chain financial service management system, it is characterised in that it includes:
Client's financial system (1), for the registration of customer information, and asks to process to the financing of client；
System for settling account (2), for auditing customer information, and to supplementing with money and the information of withdrawing deposit is cleared；
Core enterprise's management system (3), for being shown the client of financing request, and processes financing fund and manages
Reason；
Bank management system (4), for being shown the historical data of customer information and financing, and asks the financing of client
Audit；
Investment and financing display systems (5), financing project and fund raised for client successful to final review are shown.
A kind of supply chain financial service management system the most according to claim 1, it is characterised in that described client finances and is
System (1) including:
Authenticated client module (6), carries out information registering for client, and provides relevant evidential material to transfer to system for settling account (2) to enter
Row background audit；
Module of contracting online (7), completes signing for the financing invitation letter of on-line signing after system for settling account (2) is audited successfully；
Bank's access application module (8), for the access approval of online application bank, and transfers to bank management system (4) to examine
Batch；
Financing by accounts receivable application module (9), is used for showing accounts receivable list of can financing, and selects accounts receivable application to melt
Money；
Account balance judge module (10), it is judged that account balance the most enough payment services expenses, no, then carry out supplementing operation with money, be,
Then also starve by core enterprise's management system (3) amendment funds on account and confirm accounts receivable letter, and transferring to bank management system (4) to enter
Row financing examination & approval；
Supplement module (11) with money, for account is supplemented with money operation, and transfer to system for settling account (2) process to supplement detail with money；
Financing examination & approval confirm module (12), are used for confirming financing approval information and contracting related protocol；
Module of deducting fees (13), is used for deducting service charge and the accrediting amount, and after transferring to bank management system (4) to carry out financing examination & approval
Financing project is shown by investment and financing display systems (5)；
Module of withdrawing deposit (14), for operation of withdrawing deposit the remaining sum in account, and sends, to system for settling account (2), application of withdrawing deposit；
Financing money acquisition module (15), is used for obtaining the financing fund that investment and financing display systems (5) is raised.
A kind of supply chain financial service management system the most according to claim 2, it is characterised in that described system for settling account
(2) including:
Customer information display module (16), is shown for the data information providing client in client's financial system (1)；
Customer information auditing module (17), is used for auditing client certificate data, and customer data information examination & verification passed through sends
It is shown in client's financial system (1) and bank management system (4)；
Supplement detailed processing module (18) with money, process for account is supplemented with money the detail in operating process and add up；
Withdraw deposit and apply for module (19), process for the request that account is withdrawn deposit；
Treat refund financing project pushing module (20), for financing project to be refunded being sent to core enterprise's management system
(3) it is reminded to refund in.
A kind of supply chain financial service management system the most according to claim 3, it is characterised in that described core enterprise manages
Reason system (3) including:
Client screens module (21), is used for receiving client's permit standard that bank management system (4) is appraised and decided, and according to this standard pair
Customer type in client's financial system (1) is screened；
Merchant information display module (22), is shown for the data information providing client in client's financial system (1)；
Trade company's character judge module (23), is used for confirming whether trade company belongs to middle business, is, then transfer to system for settling account (2) to client
Certificate data is audited, no, then send feedback states to system for settling account (2) and terminate register flow path；
Transmission module (24) in accounts receivable, are used for uploading accounts receivable, and send accounts receivable list to client's financial system
And bank management system (4) (1)；
Funds on account amount of money modified module (25), are used for revising funds on account remaining sum and confirming accounts receivable letter, transfer to bank management system simultaneously
System (4) carries out financing examination & approval；
Refund module (26), is used for receiving that system for settling account (2) sends waits financing bulleted list of refunding, and to treating also in list
Money financing project is refunded, to recover the accrediting amount.
A kind of supply chain financial service management system the most according to claim 4, it is characterised in that described bank management system
System (4) including:
Customer Standard setting module (27), is used for appraising and deciding client's permit standard, and transfers to core enterprise's management system (3) to carry out visitor
The screening at family；
Client's msu message display module (28), for showing the customer information that aptitude checking passes through；
Bill and account receivable data display module (29), is used for showing client's account receivable report and historical data；
Access qualification first trial module (30), for auditing financing access qualification for the first time according to trade company's data；
Finance an approval module (31), for the financing information after amendment funds on account remaining sum is once examined, including editor
Amendment finance rate, service rate, the financing amount of money, financing time limit, joint liability warranty also generate agreement Electronic Signature；
Financing secondary approval module (32), carries out secondary examination & approval for financing is once examined the financing information passed through, including compiling
Collect amendment finance rate, service rate, the financing amount of money, financing time limit, joint liability warranty and generate agreement Electronic Signature,
And result transmission qualified for examination & approval is carried out validation of information to client's financial system (1)；
Finance three approval module (33), carry out three examination & approval for make-up except the financing information of service charge and the accrediting amount, and
Financing project information examination & approval passed through is shown by investment and financing display platform；
Fund clearing module (34), for the fund raised in investment and financing display systems (5) is cleared, and fund of financing
It is sent to client's financial system (1)；
Gathering module (35), for receiving the refund fund treating refund financing project of core enterprise's management module.
6. a supply chain financial service management method, it is characterised in that it includes:
Client finances step, for the registration of customer information, and asks to process to the financing of client；
Clearance step, for auditing customer information, and to supplementing with money and the information of withdrawing deposit is cleared；
Core enterprise's management process, for being shown the client of financing request, and processes financing fund and manages；
Bank management step, for the historical data of customer information and financing is shown, and the financing of client is asked into
Row examination & verification；
Step is shown in investment and financing, and financing project and fund raised for client successful to final review are shown.
A kind of supply chain financial service management system the most according to claim 1, it is characterised in that described client finances step
Suddenly include:
Authenticated client step, carries out information registering for client, and provides relevant evidential material to transfer to clearance step to carry out backstage
Examination & verification；
Contracting online step, after audit successfully when clearance step, on-line signing invitation letter of financing completes to contract；
Bank's access application step, for the access approval of online application bank, and transfers to bank management step to examine；
Financing by accounts receivable application step, is used for showing accounts receivable list of can financing, and selects accounts receivable application to finance；
Account balance judges step, it is judged that account balance the most enough payment services expenses, no, then carry out supplementing operation with money, be then to lead to
Cross core enterprise's management process amendment funds on account and also starve and confirm accounts receivable letter, and it is careful to transfer to bank management step to carry out financing
Batch；
Supplement step with money, for account is supplemented with money operation, and transfer to clearance step process to supplement detail with money；
Financing examination & approval confirm step, are used for confirming financing approval information and contracting related protocol；
Deduct fees step, be used for deducting service charge and the accrediting amount, and by throwing after transferring to bank management step to carry out financing examination & approval
Financing shows that step shows financing project；
Withdraw deposit step, for operation that the remaining sum in account is withdrawn deposit, and withdraw deposit application to clearance step transmission；
Financing money obtaining step, for obtaining the financing fund that investment and financing shows that step is raised.
A kind of supply chain financial service management system the most according to claim 2, it is characterised in that described clearance step bag
Include:
Customer information shows step, and the data information that client provides in step of financing client is shown；
Customer information examination & verification step, is used for auditing client certificate data, and the customer data information that examination & verification is passed through is sent to visitor
Family financing step and bank management step are shown；
Supplement detailed process step with money, process for account is supplemented with money the detail in operating process and add up；
Withdraw deposit application step, process for the request that account is withdrawn deposit；
Treat that refund financing project pushes step, remind to core enterprise's management process for financing project to be refunded is sent
It is refunded.
A kind of supply chain financial service management system the most according to claim 3, it is characterised in that described core enterprise manages
Reason step includes:
Client screens step, for receiving client's permit standard that bank management step is appraised and decided, and melts client according to this standard
Customer type in money step is screened；
Merchant information shows step, and the data information that client provides in step of financing client is shown；
Trade company's character judges step, is used for confirming whether trade company belongs to middle business, is, then transfer to clear step to client certificate data
Audit, no, then send feedback states to clearance step and terminate register flow path；
Accounts receivable uploading step, is used for uploading accounts receivable, and accounts receivable list transmission to client financed step and silver
Row management process；
Funds on account amount of money amendment step, is used for revising funds on account remaining sum and confirming accounts receivable letter, transfers to bank management step to enter simultaneously
Row financing examination & approval；
Refund step, for receive clearance step send wait refund financing bulleted list, and in list waiting refund financing
Project is refunded, to recover the accrediting amount.
A kind of supply chain financial service management system the most according to claim 4, it is characterised in that described bank management
Step includes:
Customer Standard setting procedure, is used for appraising and deciding client's permit standard, and transfers to core enterprise's management process to carry out the sieve of client
Choosing；
Client's msu message shows step, for showing the customer information that aptitude checking passes through；
Bill and account receivable data display step, is used for showing client's account receivable report and historical data；
Access qualification first trial step, for auditing financing access qualification for the first time according to trade company's data；
Financing once examines step, for once examining, the financing information after amendment funds on account remaining sum including edit-modify
Finance rate, service rate, the financing amount of money, financing time limit, joint liability warranty also generate agreement Electronic Signature；
Financing secondary examination & approval step, carries out secondary examination & approval for financing is once examined the financing information passed through, repaiies including editor
Change finance rate, service rate, the financing amount of money, financing time limit, joint liability warranty and generate agreement Electronic Signature, and will
Examine qualified result to send to client's step of financing and carry out validation of information；
Finance three times and examine steps, carry out three examination & approval for make-up except the financing information of service charge and the accrediting amount, and will examine
Criticize the financing project information passed through to be shown by investment and financing display platform；
Fund clearing step, for investment and financing being shown, the fund raised in step is cleared, and is sent to financing fund
Client finances step；
Gathering step, for receiving the refund fund treating refund financing project of core enterprise's management process.
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