CN109166035A - A kind of method and system handling financing information - Google Patents
A kind of method and system handling financing information Download PDFInfo
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- CN109166035A CN109166035A CN201810721997.8A CN201810721997A CN109166035A CN 109166035 A CN109166035 A CN 109166035A CN 201810721997 A CN201810721997 A CN 201810721997A CN 109166035 A CN109166035 A CN 109166035A
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- information
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- G—PHYSICS
- G06—COMPUTING; CALCULATING OR COUNTING
- G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
- G06Q40/00—Finance; Insurance; Tax strategies; Processing of corporate or income taxes
- G06Q40/04—Trading; Exchange, e.g. stocks, commodities, derivatives or currency exchange
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- G—PHYSICS
- G06—COMPUTING; CALCULATING OR COUNTING
- G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
- G06Q40/00—Finance; Insurance; Tax strategies; Processing of corporate or income taxes
- G06Q40/06—Asset management; Financial planning or analysis
Abstract
The present invention provides a kind of method and system for handling financing information.The described method includes: receiving the listed solicited message of financier, it is sent to backstage；When the financing type of the financier is target investment, after the information for receiving guarantee fund and signature commitment letter, the information that the listed solicited message of background audit passes through is sent；It sends first trial and passes through information；Issue the listed information of financier；After the delisted request for receiving investor, the delisted information of investor is issued, and freezes the amount of money in investor's account；Transmission is signed a contract notice；Receipt of contract file data is sent to backstage；Receive the information of endorsement；Receive the information that review passes through；The amount of money in the account of the investor of thawing；By in the corresponding amount of money of the delisted information, subduction financing services take data, and remaining value data is added to the account of the financier；The refund information for receiving the financier is refunded to the investor, and updates refund record.
Description
Technical field
The present invention relates to computing technique field, a kind of particularly method, system, electronic equipment for handling financing information
And computer-readable medium.
Background technique
With the development of economy, there are the demand of financing in the growth of number of the enterprise, big small enterprises many at present.Financing is one
The behavior and process that a business capital is raised, that is to say, that the situation that company possesses according to itself production and operation situation, fund,
And the needs of company's future operation and development using certain direction, pass through certain channel by the prediction and decision of science
It raises funds to investor, the supply of organization funds, to meet normal financial need.
To guarantee that the financing between financier and investor, investment behavior normally, can be carried out efficiently, it is desirable to provide one
Platform is planted to simplify the finance process of financier, and provides convenience for the investment behavior of investor.
Summary of the invention
In view of this, the present invention provides and a kind of handles the method for financing information, system, electronic equipment and computer-readable
Medium can be realized the treasury trade between financier and investor.
To achieve the above object, according to an aspect of the invention, there is provided it is a kind of handle financing information method, including
Following steps: receiving the listed solicited message of financier, and the listed solicited message is sent to backstage；When the financier's
When type of financing is target investment, investor, creation guarantee fund and signature commitment letter are specified；It receives the financier and pays guarantor
After the information of card gold and signature commitment letter, the information that the solicited message that is listed described in background audit passes through is sent；Receive backstage
After auditing the information that the listed solicited message passes through, sends first trial and pass through information；Issue the listed information of the financier；It connects
After the delisted request for receiving investor, issue the delisted information of the investor, and freeze in investor's account with it is delisted
The corresponding amount of money of information；Notice of signing a contract is sent to the financier and the investor；Receive the financier and described
The contract documents data are sent to backstage by the contract documents data of investor；It receives third-party agent mechanism and confirms quotient's ticket
Information；Quotient's ticket is the commercial acceptance that financier pledges to investor；Receive the letter that the review that backstage is sent passes through
Breath；The amount of money corresponding with delisted information in the account of the investor of thawing；By in the corresponding amount of money of the delisted information, subduction
Financing services are taken, and remaining value data is added to the account of the financier；And the financing services are taken into data and are increased
To the income account of setting；The refund information for receiving the financier is refunded to the investor, and updates refund record.
Optionally, the refund information for receiving the financier, refunds to the investor, and updates record of refunding
Step specifically includes: judging whether the third agency succeeds to quotient's ticket collection operation of quotient's ticket stubs row；If quotient's ticket
Collection operates successfully, increases by the first fund in the account of the investor, and first fund is described in financier should give back
The fund of investor；And the corresponding revenue amount of fund should be gone back with first increasing in income account；Then by the collection amount of money
Residual amount is added to financier's account after subtracting first fund and revenue amount；If quotient's ticket collection operation is unsuccessful, hair
Send the requests for arbitration information to this financing.
Optionally, before the step of listed solicited message for receiving the financier, further includes: receive financier's
Registration request；The basic document information of financier is received, and basic document information is sent to backstage；Receive background audit base
The information that this data passes through；The assessed information of financier is received, and the assessed information is sent to backstage；Backstage is received to examine
The information that core assessed information passes through；Send enterprise's full amount application information of the financier；It receives backstage and passes through the financing
The information of enterprise's full amount application of people；Register the credits information of the financier；If financier's registration is quotient's ticket credits,
Then carry out ticket letter amount application；If registration is contract credits, sends contract credits information and confirmed by debt side, it is described
Debt side is the corresponding debt side of quotient's ticket credits；After the information for receiving the registration of quotient's ticket information, apply for the ticket letter amount of financier；
Receive quotient's ticket supplemental information of the financier；Commercial acceptance corresponding to quotient's ticket supplemental information is pledged to specified
Third party's commercial acceptance agency；It receives third party's commercial acceptance agency and receives the trade acceptance remittance
The information of ticket, and it is sent to backstage；Commercial acceptance described in background audit is received by information, updates financing relevant information；
The financing relevant information includes financing limit, guarantee fund's ratio, quotient's fare ticket type type and melts amount certainly.
According to another aspect of the present invention, a kind of system for handling financing information is provided, comprising: listed solicited message receives
Module: for receiving the listed solicited message of financier, the listed solicited message is sent to backstage；Listed solicited message is logical
It crosses module: for specifying investor when the financing type of financier is target investment, creating guarantee fund, sign commitment letter；It hangs
Board solicited message passes through sending module: after the information for paying guarantee fund and signature commitment letter for receiving financier, sending
The information that the solicited message that is listed described in background audit passes through；First trial passes through module: asking for receiving to be listed described in background audit
After the information for asking information to pass through, sends first trial and pass through information；Listed information issuing module: for issuing the listed of the financier
Information；Delisted module: after the delisted request for receiving investor, the delisted information of the investor is issued, and freezes institute
State the amount of money corresponding with delisted information in investor's account；It signs a contract and notifies sending module: being used for the financier and institute
It states investor and sends notice of signing a contract；Contract documents data transmit-receive module: for receiving the financier and the investor
Contract documents data, by the contract documents data be sent to backstage；Quotient's ticket confirmation message receiving module: for receiving third
The information of square agency's confirmation quotient's ticket；Quotient's ticket is the commercial acceptance that financier pledges to investor；Check information
Receiving module: the information passed through for receiving the review that backstage is sent；Defrosting module: in the account for the investor of thawing
The amount of money corresponding with delisted information；It makes loans module: for that will reduce financing services and take number in the corresponding amount of money of the delisted information
According to remaining value data to be added to the account of the financier；And financing services expense data are increased into setting
Income account；Refund module: for receiving the refund information of the financier, refunding to the investor, and updates refund note
Record.
Optionally, the refund module specifically includes: quotient's ticket collection judging unit: for judging that third party quotient's ticket connects
Receive whether mechanism succeeds to quotient's ticket collection operation of quotient's ticket stubs row；First refund unit: if for the collection of quotient's ticket operation at
Function, increases by the first fund in the account of the investor, and first fund is the money that financier should give back the investor
?；And the corresponding revenue amount of fund should be gone back with first increasing in income account；Second refund unit: the collection amount of money is subtracted
Residual amount after first fund and revenue amount is gone to be added to financier's account；Arbitrate transmission unit: if being used for quotient's ticket support
Bringing drill to an end, it is unsuccessful to make, and sends the requests for arbitration information to this financing.
Optionally, the system also includes registration request receiving modules: for receiving the registration request of financier；Substantially
Data receiving module: backstage is sent to for receiving the basic document information of financier, and by basic document information；Basic document
Msu message receiving module: the information passed through for receiving background audit basic document；Assessed information receiving module: for connecing
The assessed information of financier is received, and the assessed information is sent to backstage；Assessed information passes through information receiving module: for connecing
Receive the information that background audit assessed information passes through；Full amount application information sending module: for sending the enterprise of the financier
Industry full amount application information；Full amount application passes through information receiving module: passing through the enterprise of the financier for receiving backstage
The information of full amount application；Credits Registration Module: for registering the credits information of the financier；Ticket believes amount application module:
If what it is for financier's registration is quotient's ticket credits, ticket letter amount application is carried out；If registration is contract credits, sends and close
Confirmed with credits information, after the information for receiving the registration of quotient's ticket information, applies for the ticket letter amount of financier；Quotient's ticket supplement letter
Cease receiving module: for receiving quotient's ticket supplemental information of the financier；Pledge module: for quotient's ticket supplemental information institute
Corresponding commercial acceptance is pledged to specified third party's commercial acceptance agency；Commercial acceptance receives information
Receiving module: for receiving the information for pledging commercial acceptance described in the reception of third party's commercial acceptance agency, and
It is sent to backstage；Ticket believes amount update module: for receiving commercial acceptance described in background audit by information, updating financing
Relevant information；The financing relevant information includes financing limit, guarantee fund's ratio, quotient's fare ticket type type and melts amount certainly.
According to another aspect of the invention, a kind of computer-readable medium is provided, computer program is stored thereon with, it is described
The method of processing financing information provided by any embodiment of the invention is realized when program is executed by processor.
Provided scheme according to the present invention, financier, investor only need to be by registering oneself account, it will be able to convenient
Ground carries out financing or investment activity, is each provided with a convenient treasury trade platform for financier, investor and go-between.Together
When can guarantee the fund security of financier and investor both sides.
Detailed description of the invention
Attached drawing for a better understanding of the present invention, does not constitute an undue limitation on the present invention.Wherein:
Fig. 1 is the method schematic diagram of processing financing information provided by the embodiment of the present invention；
Fig. 2 is the main flow schematic diagram that the financier of the embodiment of the present invention registers；
Fig. 3 is the main comprising modules schematic diagram of system of processing financing information provided in an embodiment of the present invention.
Specific embodiment
Below in conjunction with attached drawing, an exemplary embodiment of the present invention will be described, including the various of the embodiment of the present invention
Details should think them only exemplary to help understanding.Therefore, those of ordinary skill in the art should recognize
It arrives, it can be with various changes and modifications are made to the embodiments described herein, without departing from scope and spirit of the present invention.Together
Sample, for clarity and conciseness, descriptions of well-known functions and structures are omitted from the following description.
On the one hand the embodiment of the present invention provides a kind of method for handling financing information, can be applied to server, such as Fig. 1 institute
Show, includes the following steps:
Step 101: registering the credits information of financier.In embodiments of the present invention, above-mentioned credits information refers to financier institute
The commercial draft information held.
Step 102: receiving the listed solicited message of financier, the listed solicited message is sent to backstage.The extension
Board solicited message is the relevant listed solicited message of financing behavior of the financier.
Step 103: when the financing type of financier is target investment, specifying investor, create guarantee fund, signature is promised to undertake
Letter.
Step 104: after receiving the information that the financier pays guarantee fund and signature commitment letter, sending background audit
The information that the listed solicited message passes through.
After receiving the information that financier pays guarantee fund and signature commitment letter, the request that is listed described in background audit is sent
The information that information passes through.After the listed request for sending financier, financier pays guarantee fund, will after receiving guarantee fund
Guarantee fund imports the margin account being set in advance, and updates the remaining sum of margin account, sends financier and pays guarantee fund's
Information；And sign a contract simultaneously, such as " guarantee fund's commitment letter ", after contract signature, contract electronic document is uploaded, is being received
After contract electronic document and financier pay the information of guarantee fund, by the audit to listed request, background audit institute is sent
State the information that listed solicited message passes through.
Step 105: receiving and be listed after the information that solicited message passes through described in background audit, send first trial and pass through information.
In the specific embodiment of the invention, the first trial is by information, may also include the formality set for the listed request of financier
Charge information, specified investor's information etc., service charge include financing services expense and service on investment expense.
Step 106: issuing the listed information of the financier.
Step 107: after the delisted request for receiving investor, issuing the delisted information of the investor, and freeze described
The amount of money corresponding with delisted information in investor's account.
Wherein, the corresponding amount of money of the delisted information may be less than or equal to the amount of money corresponding with the request of the financing of financier.
After the amount of money corresponding with delisted request freezes in investor's account, investor and financier can not employ these moneys
Gold ensure that safety of investor's fund before financier delivers draft.
In embodiments of the present invention, the draft can be commercial acceptance.The basic party of commercial acceptance is
Three, i.e. check drawer, drawee and payee；Commercial draft can be when drawing a bill to using after requestee's presentation for acceptance, can also
After date of draft first using again to requestee's present the bill for payment；From on June 1st, 1997, commercial draft was all unanimously received using commission
Money mode is to accepting bank's present the bill for payment；The check drawer and payee of commercial draft must open savings account in bank, and two
There is true transaction relationship or debtor-creditor relationship between person.
Step 108: sending notice of signing a contract to the financier and the investor.
Above-mentioned notice of signing a contract can be the forms such as text message, mail.
Step 109: receiving the contract documents data of the financier and the investor, the contract documents data are sent out
It send to backstage.After investor is delisted, the matters such as the signing of financing agreement are carried out between financier and investor, in contract label
After ordering behavior completion, financier uploads contract documents, and the contract documents that financier uploads are electronic contract file, is receiving
After electronic contract file, after generating contract documents data, contract documents data is sent to backstage, enable the third party right
Contract documents are audited.
Step 110: receiving the information of third-party agent mechanism confirmation quotient's ticket；Quotient's ticket is that financier pledges to investor
Commercial acceptance；
Step 111: receiving the information that the review that backstage is sent passes through.In this step, a third party can be set first
Or setting module executes the review operation, above-mentioned review operation not only for contract documents data, also directed to endorse with
Card needs the two while passing through review, just enters following step 112.If described in the audit of the review module of the third party or setting
Contract documents pass through, then send the information that review passes through.If the review module of the third party or setting audits the contract documents
Do not pass through, the unacceptable information of review can be transmitted.After the compound unacceptable information that platform is sent upon receipt, resume waiting for
The contract documents data of financier and investor are received, then return step 108.If contract documents data are by checking still
Lack endorsement voucher, then the not unacceptable information of review can be transmitted, then return step 110.To contract documents data and endorsement
When the review that voucher can satisfy setting requires, backstage sends the information that review passes through, and instruction review passes through.
Step 112: the amount of money corresponding with delisted information in the account of the investor of thawing.It, can after defrosting
It makes loans the fund of investor, guarantees the safety of investor's fund.In embodiments of the present invention, not only need financier's
Contract documents data, endorsement voucher, it is also necessary to after the fund condition of investor all meets the condition of default, just be solved
Jelly is made loans, and before making loans, last one of proceedings for revision is arranged, to ensure the information such as fund, contract documents data, endorsement voucher
Effectively, it ensures the safety of fund, while also ensureing the interests of financier.
Step 113: by the corresponding amount of money of the delisted information, subduction financing services are taken, and remaining value data is added
Add to the account of the financier；And financing services expense data are increased to the income account of setting.After thawing melting
It provides relevant fund and consigns to financier, guarantee that the draft ownership of financier is given to after investor, financing institute can be received
The fund needed, guarantees the interests of financier.
Step 114: receiving the refund information of the financier, refund to the investor, and update refund record.It refunds
When should go back the amount of money subduction service on investment expense, residual amount data are added to investor's account, and service on investment expense data are added
Add to the income account of setting.
In some embodiment of the invention, the refund information for receiving the financier, before refunding to the investor, meter
That calculates the financier should go back fund and the refund given back to the investor.When setting the payback period, if not receiving
The refund information of financier then sends and pays for information first, and pays for refund first into investor's account according to information is paid for first, in financier
It should go back and increase default interest in fund.
The embodiment of the present invention is believed by the way that after receiving the financing request of financier, registration investor is related to financier's
Breath and credit and debt information, and corresponding financier's listing operation and the delisted operation of investor are executed, then refund in setting
It when time limit arrives, determines that financier should return to the fund of investor, receives financier and refund, and refund to investor, it is real
Now financing activity provides convenience for financing and investment behavior.
In some embodiment of the invention, the refund information for receiving the financier, refunds to the investor, and
The step of refunding record is updated to specifically include:
Judge whether the third-party agent mechanism succeeds to quotient's ticket collection operation of quotient's ticket stubs row；
If quotient's ticket collection operates successfully, increase by the first fund in the account of the investor, and in income account
The corresponding revenue amount of fund should be gone back with first by increasing；Then it is remained after the collection amount of money being subtracted first fund and revenue amount
The remaining amount of money is added to financier's account；
If quotient's ticket collection operation is unsuccessful, the requests for arbitration information to this financing is sent.In some embodiments of the invention
In, it is described registration financier credits information the step of before, as shown in Figure 2, further includes:
Step 201: receiving the registration request of financier；
Step 202: receiving the basic document information of financier, and basic document information is sent to backstage；
Step 203: receiving the information that background audit basic document passes through, and generate CA certificate for financier；
Step 204: receiving the assessed information of financier, and the assessed information is sent to backstage；
Step 205: receiving the information that background audit assessed information passes through；
Step 206: sending enterprise's full amount application information of the financier；
Step 207: receiving the information of enterprise full amount application of the backstage by the financier；
Step 208: registering the credits information of the financier；
Step 209: if financier's registration is quotient's ticket credits, carrying out ticket letter amount application；If registration is to close
Same credits send contract credits information and are confirmed, after the information for receiving the registration of quotient's ticket information, apply for the ticket letter volume of financier
Degree；
Step 210: receiving quotient's ticket supplemental information of the financier；
Step 211: commercial acceptance corresponding to quotient's ticket supplemental information is pledged to specified third party's business
Accept a draft agency；
Step 212: receiving the information that third party's commercial acceptance agency receives the commercial acceptance, concurrently
It send to backstage；
Step 213: receiving commercial acceptance described in background audit by information, update financing relevant information；It is described to melt
Money relevant information includes financing limit, guarantee fund's ratio, quotient's fare ticket type type and melts amount certainly.
The embodiment of the present invention also provides a kind of system for handling financing information, and structure is as shown in figure 3, handle financing information
System 300 includes:
Listed solicited message receiving module: for receiving the listed solicited message of financier, by the listed solicited message
It is sent to backstage；
Listed solicited message passes through module: for specifying investor, wound when the financing type of financier is target investment
Guarantee fund is built, commitment letter is signed；
Listed solicited message passes through sending module: the information of guarantee fund and signature commitment letter are paid for receiving financier
Later, the information that the solicited message that is listed described in background audit passes through is sent；
First trial passes through module: after receiving the information that solicited message passes through that is listed described in background audit, sending first trial
Pass through information；
Listed information issuing module: for issuing the listed information of the financier；
Delisted module: after the delisted request for receiving investor, the delisted information of the investor is issued, and is freezed
The amount of money corresponding with delisted information in investor's account；
It signs a contract and notifies sending module: for sending notice of signing a contract to the financier and the investor；
Contract documents data transmit-receive module:, will for receiving the contract documents data of the financier and the investor
The contract documents data are sent to backstage；
Quotient's ticket confirmation message receiving module: for receiving the information of third-party agent mechanism confirmation quotient's ticket；Quotient's ticket is
The commercial acceptance that financier pledges to investor；
Review information receiving module: the information passed through for receiving the review that backstage is sent；
Defrosting module: the amount of money corresponding with delisted information in the account for the investor of thawing；
It makes loans module: for that will reduce financing services and take, by remaining amount of money number in the corresponding amount of money of the delisted information
According to the account for being added to the financier；And financing services expense data are increased to the income account of setting；
Refund module: for receiving the refund information of the financier, refunding to the investor, and updates refund note
Record.
In some embodiment of the invention, the refund module specifically includes:
Quotient's ticket collection judging unit: for judging the third party Shang Piao collection mechanism to quotient's ticket support of quotient's ticket stubs row
It brings drill to an end and whether succeeds；
First refund unit: if operating successfully for the collection of quotient's ticket, increasing by the first fund in the account of the investor,
And the corresponding revenue amount of fund should be gone back with first increasing in income account；
Second refund unit: residual amount is added to financing after the collection amount of money is subtracted first fund and revenue amount
It acknowledges a debt family；
Arbitrate transmission unit: if operating unsuccessful, requests for arbitration information of the transmission to this financing for the collection of quotient's ticket.
In some embodiment of the invention, the system also includes:
Registration request receiving module: for receiving the registration request of financier；
Basic document receiving module: it is sent to for receiving the basic document information of financier, and by basic document information
From the background；
Basic document msu message receiving module: the information passed through for receiving background audit basic document；
Assessed information receiving module: backstage is sent to for receiving the assessed information of financier, and by the assessed information；
Assessed information passes through information receiving module: the information passed through for receiving background audit assessed information；
Full amount application information sending module: for sending enterprise's full amount application information of the financier；
Full amount application passes through information receiving module: for receiving enterprise full amount application of the backstage by the financier
Information；
Credits Registration Module: for registering the credits information of the financier；
Ticket believe amount application module: if for financier registration be quotient's ticket credits, carry out ticket letter amount application；Such as
Fruit registration is contract credits, sends contract credits information and is confirmed, after the information for receiving the registration of quotient's ticket information, application is melted
The ticket of capital believes amount；
Quotient's ticket supplemental information receiving module: for receiving quotient's ticket supplemental information of the financier；
Pledge module: for commercial acceptance corresponding to quotient's ticket supplemental information to be pledged to specified third party
Commercial acceptance agency；
Commercial acceptance receives information receiving module: receiving institute for receiving third party's commercial acceptance agency
The information of commercial acceptance is stated, and is sent to backstage；
Ticket believes amount update module: for receiving commercial acceptance described in background audit by information, updating financing phase
Close information；The financing relevant information includes financing limit, guarantee fund's ratio, quotient's fare ticket type type and melts amount certainly.
As on the other hand, embodiment of the present invention provides a kind of electronic equipment, which includes one or more
Processor；And storage device, for storing one or more programs, when said one or multiple programs are by said one or more
A processor executes, so that said one or multiple processors realize method described in the embodiment of the present invention, such as according to Fig. 1 institute
The method of execution.As in another aspect, embodiment of the present invention additionally provides a kind of computer-readable medium, this is computer-readable
Medium can be included in equipment described in above-described embodiment；It is also possible to individualism, and without the supplying equipment
In.Above-mentioned computer-readable medium carries one or more program, when said one or multiple programs by one this set
When standby execution, enable the device to execute method described in the embodiment of the present invention, such as according to method performed by Fig. 1.
Above-mentioned specific embodiment, does not constitute a limitation on the scope of protection of the present invention.Those skilled in the art should be bright
It is white, design requirement and other factors are depended on, various modifications, combination, sub-portfolio and substitution can occur.It is any
Made modifications, equivalent substitutions and improvements etc. within the spirit and principles in the present invention, should be included in the scope of the present invention
Within.
Claims (8)
1. a kind of method for handling financing information, which comprises the steps of:
The listed solicited message is sent to backstage by the listed solicited message for receiving the financier；
When the financing type of the financier is target investment, investor, creation guarantee fund and signature commitment letter are specified；
After receiving the information that the financier pays guarantee fund and signature commitment letter, the request that is listed described in background audit is sent
The information that information passes through；
It receives and is listed after the information that solicited message passes through described in background audit, send first trial and pass through information；
Issue the listed information of the financier；
After the delisted request for receiving investor, the delisted information of the investor is issued, and is freezed in investor's account
The amount of money corresponding with delisted information；
Notice of signing a contract is sent to the financier and the investor；
The contract documents data are sent to backstage by the contract documents data for receiving the financier and the investor；
Receive the information of third-party agent mechanism confirmation quotient's ticket；Quotient's ticket is that financier converges to the trade acceptance that investor pledges
Ticket；
Receive the information that the review that backstage is sent passes through；
The amount of money corresponding with delisted information in the account of the investor of thawing；
By in the corresponding amount of money of the delisted information, subduction financing services are taken, and remaining value data is added to the financing
The account of people；And financing services expense data are increased to the income account of setting；
The refund information for receiving the financier is refunded to the investor, and updates refund record.
2. the method according to claim 1, wherein the refund information for receiving the financier, to described
Investor refunds, and the step of updating refund record specifically includes:
Judge whether the third-party agent mechanism succeeds to quotient's ticket collection operation of quotient's ticket stubs row；
If quotient's ticket collection operates successfully, increase by the first fund in the account of the investor, first fund is financier
The fund of the investor should be given back；And the corresponding revenue amount of fund should be gone back with first increasing in income account；Then
Residual amount is added to financier's account after the collection amount of money is subtracted first fund and revenue amount；
If quotient's ticket collection operation is unsuccessful, the requests for arbitration information to this financing is sent.
3. the method according to claim 1, wherein the step of the listed solicited message for receiving the financier
Before rapid, further includes:
Receive the registration request of financier；
The basic document information of financier is received, and basic document information is sent to backstage；
Receive the information that background audit basic document passes through；
The assessed information of financier is received, and the assessed information is sent to backstage；
Receive the information that background audit assessed information passes through；
Send enterprise's full amount application information of the financier；
Receive the information of enterprise full amount application of the backstage by the financier；
Register the credits information of the financier；
If financier's registration is quotient's ticket credits, ticket letter amount application is carried out；If registration is contract credits, sends and close
Confirmed with credits information by debt side, after the information for receiving the registration of quotient's ticket information, applies for the ticket letter amount of financier；
Receive quotient's ticket supplemental information of the financier；
Commercial acceptance corresponding to quotient's ticket supplemental information is pledged to specified third party's commercial acceptance agency
Mechanism；
It receives third party's commercial acceptance agency and receives the information of the commercial acceptance, and be sent to backstage；
Commercial acceptance described in background audit is received by information, updates financing relevant information；The financing relevant information packet
It includes financing limit, guarantee fund's ratio, quotient's fare ticket type type and melts amount certainly.
4. a kind of system for handling financing information characterized by comprising
Listed solicited message receiving module: for receiving the listed solicited message of financier, the listed solicited message is sent
To backstage；
Listed solicited message passes through module: for specifying investor when the financing type of financier is target investment, creation is protected
Card gold, signs commitment letter；
Listed solicited message passes through sending module: for receive financier pay guarantee fund and sign commitment letter information it
Afterwards, the information that the solicited message that is listed described in background audit passes through is sent；
First trial passes through module: after receiving the information that solicited message passes through that is listed described in background audit, sending first trial and passes through
Information；
Listed information issuing module: for issuing the listed information of the financier；
Delisted module: after the delisted request for receiving investor, issuing the delisted information of the investor, and freezes described
The amount of money corresponding with delisted information in investor's account；
It signs a contract and notifies sending module: for sending notice of signing a contract to the financier and the investor；
Contract documents data transmit-receive module:, will be described for receiving the contract documents data of the financier and the investor
Contract documents data are sent to backstage；
Quotient's ticket confirmation message receiving module: for receiving the information of third-party agent mechanism confirmation quotient's ticket；Quotient's ticket is financing
The commercial acceptance that people pledges to investor；
Review information receiving module: the information passed through for receiving the review that backstage is sent；
Defrosting module: the amount of money corresponding with delisted information in the account for the investor of thawing；
It makes loans module: for that will reduce financing services and take data, by remaining amount of money number in the corresponding amount of money of the delisted information
According to the account for being added to the financier；And financing services expense data are increased to the income account of setting；
Refund module: for receiving the refund information of the financier, refunding to the investor, and updates refund record.
5. system according to claim 4, which is characterized in that the refund module specifically includes:
Quotient's ticket collection judging unit: for judging that third party quotient's ticket receiving mechanism grasps quotient's ticket collection of quotient's ticket stubs row
Whether succeed；
First refund unit: if operating successfully for the collection of quotient's ticket, increasing by the first fund in the account of the investor, described
First fund is the fund that financier should give back the investor；And with first should to go back fund corresponding increasing in income account
Revenue amount；
Second refund unit: it the collection amount of money is subtracted into residual amount after first fund and revenue amount is added to financing and acknowledge a debt
Family；
Arbitrate transmission unit: if operating unsuccessful, requests for arbitration information of the transmission to this financing for the collection of quotient's ticket.
6. system according to claim 4, which is characterized in that the system also includes:
Registration request receiving module: for receiving the registration request of financier；
Basic document receiving module: backstage is sent to for receiving the basic document information of financier, and by basic document information；
Basic document msu message receiving module: the information passed through for receiving background audit basic document；
Assessed information receiving module: backstage is sent to for receiving the assessed information of financier, and by the assessed information；
Assessed information passes through information receiving module: the information passed through for receiving background audit assessed information；
Full amount application information sending module: for sending enterprise's full amount application information of the financier；
Full amount application passes through information receiving module: for receiving the letter of enterprise full amount application of the backstage by the financier
Breath；
Credits Registration Module: for registering the credits information of the financier；
Ticket believe amount application module: if for financier registration be quotient's ticket credits, carry out ticket letter amount application；If stepped on
Note is contract credits, sends contract credits information and is confirmed, after the information for receiving the registration of quotient's ticket information, applies for financier
Ticket believe amount；
Quotient's ticket supplemental information receiving module: for receiving quotient's ticket supplemental information of the financier；
Pledge module: for commercial acceptance corresponding to quotient's ticket supplemental information to be pledged to specified third party's business
Accept a draft agency；
Commercial acceptance receives information receiving module: receiving the matter for receiving third party's commercial acceptance agency
The information of commercial acceptance is given as security, and is sent to backstage；
Ticket believes amount update module: for receiving commercial acceptance described in background audit by information, updating the related letter of financing
Breath；The financing relevant information includes financing limit, guarantee fund's ratio, quotient's fare ticket type type and melts amount certainly.
7. a kind of electronic equipment characterized by comprising
One or more processors；
Storage device, for storing one or more programs,
When one or more of programs are executed by one or more of processors, so that one or more of processors are real
Existing method according to any one of claims 1 to 3.
8. a kind of computer-readable medium, is stored thereon with computer program, which is characterized in that described program is executed by processor
Shi Shixian method according to any one of claims 1 to 3.
Priority Applications (1)
| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| CN201810721997.8A CN109166035A (en) | 2018-07-03 | 2018-07-03 | A kind of method and system handling financing information |
Applications Claiming Priority (1)
| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| CN201810721997.8A CN109166035A (en) | 2018-07-03 | 2018-07-03 | A kind of method and system handling financing information |
Publications (1)
| Publication Number | Publication Date |
|---|---|
| CN109166035A true CN109166035A (en) | 2019-01-08 |
Family
ID=64897368
Family Applications (1)
| Application Number | Title | Priority Date | Filing Date |
|---|---|---|---|
| CN201810721997.8A Pending CN109166035A (en) | 2018-07-03 | 2018-07-03 | A kind of method and system handling financing information |
Country Status (1)
| Country | Link |
|---|---|
| CN (1) | CN109166035A (en) |
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| CN110659876A (en) * | 2019-09-18 | 2020-01-07 | 北京金融资产交易所有限公司 | Creditor financing plan system |
| CN113657999A (en) * | 2021-10-20 | 2021-11-16 | 深圳市商票圈科技有限公司 | Online business ticket fast-loan method and device, computer equipment and storage medium |
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