CN109410037A - A kind of Supply chain financing system based on factoring - Google Patents
A kind of Supply chain financing system based on factoring Download PDFInfo
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Abstract
The present invention provides a kind of Supply chain financing system based on factoring, including core enterprise's module, financing enterprise module, financial institution's module and financing services module；Wherein, core enterprise's module includes core enterprise's business datum system, and the financing enterprise module includes the information management system of various financing enterprises, and financial institution's module is used to provide with funds.Wherein, the service object of the financing services module is the financing enterprise module, the air control data of the financing enterprise module come from core enterprise's module, risk class inquiry is carried out by the financing services module, the financing services module docks different financial institution's modules and provides with funds.The problem of Supply chain financing system based on factoring of the invention is able to solve existing industrial chain upstream and downstream firms financing difficulties and Supply chain financing inefficiency.
Description
Technical field
The present invention relates to supply chain finance financing services field more particularly to a kind of Supply chain financing systems based on factoring
System.
Background technique
Supply chain finance SCF (Supply Chain Finance) is a professional domain of commercial bank credit business
A kind of credit extending channel (enterprise level) of (bank's level) and enterprise's especially medium-sized and small enterprises.
Factoring (Factoring) full name protect Fu Daili, also known as collection protect pay, the seller by its now or future based on its with
Accounts receivable caused by sale of goods/service contract that buyer concludes transfers factoring quotient and (provides the financial machine of factoring service
Structure), financing, buyer's credit evaluation, sales account management, credit risk guarantee, funds on account collection are provided it by factoring quotient
Etc. a series of synthesis finance service means of services.
Existing Corporate finance is main problem is encountered that financing difficulties, qualification are insufficient and financing is slow.
Existing supply chain finance is due to lacking effective credit investigation system and perfect risk prevention measure, it is difficult to assess enterprise
Credit line and loan repayment capacity.
Core enterprise occupies the absolute control of channels to fund product in supply chain, but upstream and downstream firms have not
The timely returned money of energy, lacks the problems such as effective fund supports, causes product chain that cannot integrate financial institution's fund cooperative development.
There is an urgent need in the art to a kind of financial systems for being able to solve above-mentioned technical problem thus.
Summary of the invention
The Supply chain financing system based on factoring that purpose of the present invention is to provide a kind of, by concentrating core enterprise, melting
Enterprise and financial institution are provided, the technology of existing industrial chain upstream and downstream firms financing difficulties and Supply chain financing inefficiency is solved
Problem.
The present invention provides a kind of Supply chain financing system based on factoring, including core enterprise's module, financing enterprise module,
Financial institution's module and financing services module；Wherein,
Core enterprise's module includes core enterprise's business datum system；
The financing enterprise module includes the information management system of various financing enterprises；
Financial institution's module is used to provide with funds；
Wherein, the service object of the financing services module is the financing enterprise module, the financing enterprise module
Air control data come from core enterprise's module, carry out risk class inquiry, the financing clothes by the financing services module
Business module docks different financial institution's modules and provides with funds.
Preferably, the financing services module is made loans including financing product business module, system giving credit module, factoring
Business module and client's reimbursement business module；Wherein,
The financing product business module is used to provide the creation publication and undercarriage service of financing product, is melted according to different
Company information classification is provided, dynamic financing product matching is carried out；
The system giving credit module is used to provide the service of credit workflow examination and approval to different financing enterprises, according to not
Same product carries out giving credit examination & approval service using different workflows；
The factoring loan service module is made loans application business for examining financing enterprise, and the docking financial institution
Module makes loans according to financing enterprise and applies for that the accounts receivable provided transfers the possession of authority and removes docking funds source, and then to financing enterprise
Carry out operation of making loans；
Client's reimbursement business module is for providing refund service, financing enterprise and the financial institution's phase of financing enterprise
The clearance of pass and clearing service.
Preferably, core enterprise's module includes the server of core enterprise's business datum system interface；
The financing enterprise module includes the front server that financing enterprise information system is collected；
Financial institution's module includes that different funds provide financial institution's route system server of mechanism；And
The financing services module includes the core business processing system of financing business.
Preferably, core enterprise's module further includes core enterprise's business datum system interface service layer；
Core enterprise's business datum system interface service layer is for providing the analysis of core enterprise's business datum, core
The associated supply chain modes data of enterprise carry out classification integration, provide financing enterprise credit information interface and financing enterprise
Risk information interface data, the service layer provide business datum to the credit and risk monitoring and control business of the financing services module
System interface, the credit and risk demand information for being converted into the service layer from the service request information on financing services foreground.
Preferably, the financing enterprise module further includes the preposition service layer that financing enterprise information management system is collected；
The preposition service layer that the financing enterprise information management system is collected is used to provide unified financing enterprise information record
Incoming interface classifies to the upstream and downstream financing enterprise of core enterprise according to scale and with the functional difference of core enterprise, to melting
Money company information is managed, and the preposition service layer delivers component and uses unified and standard agreement and message transmitting letter
Breath.
Preferably, financial institution's module further includes providing financial institution's route system service of different fund mechanisms
Layer；
Financial institution's route system service layer docks for providing the preposition service of unification of each financial institution, backstage
Different financial institution's interfaces manages all financial institutions and carries out unified clothes to different financial structure interfaces for caller
Business is called.
Preferably, the financing services module further includes the core business processing system of financing business；
The core business processing system is used to handle the financing service request of financing enterprise, whole for multiple financing enterprises
The different business at end is requested, and after integrated, each server is handled core business system by different rights, by service request point
It is dealt into each core business processing system.
Preferably, the financing product business module includes the creation of financing product, financing product restocking application, financing product
Restocking audit, financing product success restocking, financing product undercarriage application and financing product undercarriage audit；Wherein,
The financing product creation for according to different financing enterprises classify it is different carry out different product and divide, it is described
Financing product restocking application, financing product restocking audit, financing product success restocking, the finance application of product undercarriage and financing product
Undercarriage audit is restocking and the undercarriage in order to control product, is a kind of operation management to product.
Preferably, the system giving credit module include financing enterprise credit application, audit provide the accrediting amount, save
Resolution, signature factoring agreement guarantee agreement and preservation financing enterprise credit；Wherein,
The financing enterprise credit application for trigger system credit granting work examination & approval stream, by auditing, to the greatest extent adjust and air control, lead to
It crosses the preservation resolution, signature factoring agreement guarantee agreement and saves financing enterprise credit step, examination & approval finally provide financing enterprise
The accrediting amount of industry.
Preferably, the factoring loan service module include upload receivable street certificate, application of initiating to make loans, make loans it is careful
Core, receivable factoring transfer and financial institution make loans；Wherein,
Described to upload receivable street certificate and make loans work approval stream for triggering factoring, business personnel is put by the initiation
Money application, audit of making loans, receivable factoring transfer the possession of step audit and provide confirmation form of making loans, and are finally carried out by financial institution's module
It makes loans.
Preferably, client's reimbursement business module includes uploading refund voucher, initiating refund application, refund confirmation and knot
It calculates；Wherein,
The upload refund voucher by financing enterprise initiate refund, trigger refund process, financial staff pass through line under check,
It refunds and confirms, finally settled accounts.
Supply chain financing system based on factoring of the invention is related to the financing of the company based on core enterprise's upstream and downstream and asks
Topic, by cooperating between core enterprise's module, financing enterprise module, financial institution's module and financing services module, in turn
Business datum according to financing enterprise in core enterprise's business datum system carries out financing business, solves supply chain upstream and downstream firms
The problem of financing difficulties.
Detailed description of the invention
In order to more clearly explain the embodiment of the invention or the technical proposal in the existing technology, to embodiment or will show below
There is attached drawing needed in technical description to be briefly described, it should be apparent that, the accompanying drawings in the following description is only this
Some embodiments of invention for those of ordinary skill in the art without creative efforts, can be with
It obtains other drawings based on these drawings.
Fig. 1 is the structural schematic diagram for the Supply chain financing system based on factoring that the embodiment of the present invention one provides；
Fig. 2 is financing product business module workflow schematic diagram provided by Embodiment 2 of the present invention；
Fig. 3 is the system giving credit module workflow schematic diagram that the embodiment of the present invention three provides；
Fig. 4 is the factoring loan service module workflow schematic diagram that the embodiment of the present invention four provides；
Fig. 5 is client's reimbursement business module workflow schematic diagram that the embodiment of the present invention five provides.
Appended drawing reference summarizes:
100, core enterprise's module 200, financing enterprise module
300, financial institution's module 400, financing services module
410, financing product business module 420, system giving credit module
430, factoring loan service module 440, client's reimbursement business module
411, financing product creation 412, financing product restocking application
413, financing product restocking audit 414, financing product success restocking
415, financing product undercarriage application 416, financing product undercarriage audit
421, financing enterprise credit application 422, audit provide the accrediting amount
423, resolution 424, signature factoring agreement guarantee agreement are saved
425, it saves financing enterprise credit 431, upload receivable street certificate
432, make loans application 433, audit of making loans are initiated
434, receivable factoring transfer 310, financial institution make loans
441, it uploads refund voucher 442, initiate application of refunding
443, it refunds and confirms 444, clearing
Specific embodiment
Hereinafter, the embodiment of the Supply chain financing system of the invention based on factoring is described with reference to the accompanying drawings.
The embodiment recorded herein is specific specific embodiment of the invention, for illustrating design of the invention,
Be it is explanatory and illustrative, should not be construed as the limitation to embodiment of the present invention and the scope of the invention.Except what is recorded herein
Outside embodiment, those skilled in the art can also based on the claim of this application book and specification disclosure of that using aobvious and
The other technical solutions being clear to, these technical solutions include the embodiment recorded herein is made it is any it is obvious replacement and
The technical solution of modification.
The attached drawing of this specification is schematic diagram, aids in illustrating design of the invention, it is schematically indicated the structure of each section
And its correlation.
It is illustrated below in conjunction with embodiment.
Embodiment one
Fig. 1 is the structural schematic diagram for the Supply chain financing system based on factoring that the embodiment of the present invention one provides, such as Fig. 1 institute
Show, the present invention provides a kind of Supply chain financing system based on factoring, including core enterprise's module 100, financing enterprise module
200, financial institution's module 300 and financing services module 400.Wherein, core enterprise's module 100 includes core enterprise's business datum
System, financing enterprise module 200 include the information management system of various financing enterprises, and financial institution's module 300 is used to provide money
Gold.Wherein, the service object of financing services module 400 is financing enterprise module 200, the air control data of financing enterprise module 200
From core enterprise's module 100, risk class inquiry is carried out by financing services module 400, financing services module 400 is docked not
Same financial institution's module 300 is provided with funds.
In further embodiment of the present invention, above-mentioned financing services module 400 include financing product business module 410,
System giving credit module 420, factoring loan service module 430 and client's reimbursement business module 440.Wherein, financing product industry
Business module 410 is used to provide the creation publication and undercarriage service of financing product, is classified according to different financing enterprise information, carries out
Dynamic financing product matching；System giving credit module 420 is used to provide the clothes of credit workflow examination and approval to different financing enterprises
Business carries out giving credit examination & approval service using different workflows according to different products；Factoring loan service module 430 is used
It makes loans application business in examination & approval financing enterprise, and docking financial institution's module 300, makes loans what application provided according to financing enterprise
Accounts receivable transfers the possession of authority and removes docking funds source, and then carries out operation of making loans to financing enterprise；Client's reimbursement business module 440
The relevant clearance of refund service, financing enterprise and financial institution and clearing service for providing financing enterprise.
In further embodiment of the present invention, core enterprise's module 100 includes core enterprise's business datum system interface
Server, financing enterprise module 200 include financing enterprise information system collect front server, financial institution's module 300
Financial institution's route system server of mechanism is provided including different funds and financing services module 400 includes financing business
Core business processing system.
It should be noted that the Supply chain financing system of the invention based on factoring includes multiple financing subsystems, it is different
Financing subsystem between have business datum association.Specifically, the service object of financing services module 400 is financing enterprise module
200, the air control data of financing enterprise module 200 come from core enterprise's module 100, carry out risk by financing services module 400
Ranked queries so that financing services module 400 can dock different financial institution's modules 300, and then are financial institution
It provides with funds.
It will be seen from figure 1 that the Supply chain financing system of the invention based on factoring is related to based on above and below core enterprise
Company's Finance Issue of trip carries out financing business, knot in the business datum of core enterprise's business datum system according to financing enterprise
It closes financing enterprise information system and financial institution unifies routing interface and solves the problems, such as supply chain upstream and downstream firms financing difficulties.
In further embodiment of the present invention, core enterprise's module 100 further includes that core enterprise's business datum system connects
Mouth service layer, core enterprise's business datum system interface service layer is for providing the analysis of core enterprise's business datum, core
The associated supply chain modes data of enterprise carry out classification integration, provide financing enterprise credit information interface and financing enterprise
Risk information interface data, the service layer provide business datum to the credit and risk monitoring and control business of financing services module 400
System interface, the credit and risk demand information for being converted into the service layer from the service request information on financing services foreground.
In further embodiment of the present invention, financing enterprise module 200 further includes that financing enterprise information management system is received
The preposition service layer of collection, the preposition service layer which collects are used to provide unified financing enterprise letter
Typing interface is ceased, is classified to the upstream and downstream financing enterprise of core enterprise according to scale and with the functional difference of core enterprise,
Financing enterprise information is managed, and preposition service layer delivers component and uses unified and standard agreement and message transmitting letter
Breath.
In further embodiment of the present invention, financial institution's module 300 further includes providing the finance of different fund mechanisms
Route system service layer, mechanism, the route system service layer, financial institution is for providing the preposition clothes of unification of each financial institution
Business, docks different financial institution's interfaces from the background, manages all financial institutions and connect for caller to different financial structures
Mouth carries out uniform service calling.
In further embodiment of the present invention, financing services module 400 further includes the core business processing of financing business
System, the core business processing system of the financing business is used to handle the financing service request of financing enterprise, for multiple financings
The different business of enterprise terminal is requested, and core business system is after integrated, and each server is handled by different rights, by business
Request is distributed to each core business processing system.
Embodiment two
Fig. 2 is financing product business module workflow schematic diagram provided by Embodiment 2 of the present invention, and the present embodiment is upper
It states and financing services module 400 is further described on the basis of embodiment one, as shown in Fig. 2, financing product business module
410 include financing product creation 411, financing product restocking application 412, financing product restocking audit 413, financing product successfully on
Frame 414, financing product undercarriage application 415 and financing product undercarriage audit 416.
Wherein, financing product creation 411 for according to different financing enterprises classify it is different carry out different product and divide,
Financing product restocking application 412, financing product restocking audit 413, financing product success restocking 414, product undercarriage application of financing
415 with financing product undercarriage audit 416 be restocking and undercarriage in order to control product, is a kind of operation management to product.
Specifically, each product can correspond to an Activity (workflow), and each node of workflow can have pair
The role personnel answered examine and confirm.Request for product workflow can generally be triggered by financing enterprise, examination and approval workflow
After request for product just terminate.
The present embodiment is stripped out explanation by the product business module 410 that will finance, and is that operation produces financing for convenience
The management and statistics of product.
Embodiment three
Fig. 3 is the system giving credit module workflow schematic diagram that the embodiment of the present invention three provides, and the present embodiment is upper
It states and financing services module 400 is further described on the basis of embodiment one, as shown in figure 3, system giving credit module
420 provide the accrediting amount 422 including financing enterprise credit application 421, audit, preservation is resolved, and 423, signature factoring agreement assures association
View 424 and preservation financing enterprise credit 425.
Wherein, financing enterprise credit application 421 for trigger system credit granting work examination & approval stream, by auditing, to the greatest extent adjust and wind
Control, by saving resolution 423, signature factoring agreement guarantee agreement 424 and saving 425 step of financing enterprise credit, examination & approval are final
Provide the accrediting amount of financing enterprise.By saving resolution 423 and signature 424 two important steps of factoring agreement guarantee agreement,
The complete credit of financing enterprise is set to come into force.
Specifically, system giving credit module 420 will call the preposition service interface of core enterprise's module 100 to carry out line of credit
The judgement of degree and air control saves resolution 423 and is respectively stored into mysql database with financing enterprise credit 425 is saved.Wherein,
The file of signature factoring agreement guarantee agreement 424 is signed by Electronic Signature, is signed documents and is stored in mixed cloud
(HybridCloud) on server.System giving credit module 420 is whole to use SpringMVC frame, is divided into foreground user clothes
Business device and back-stage management server show that front end page uses Vue frame.
The present embodiment enables financing enterprise module 200 by will change on the business service line of system giving credit module 420
It is enough that loan application is carried out in financing services module 400, so that loan application has been moved inline system under line.
Example IV
Fig. 4 is the factoring loan service module workflow schematic diagram that the embodiment of the present invention four provides, and the present embodiment is upper
It states and financing services module 400 is further described on the basis of embodiment one, as shown in figure 4, factoring loan service module
430 include uploading receivable street certificate 431, initiating make loans application 432, audit 433 of making loans, receivable factoring transfer 434 and finance
Mechanism makes loans 310.
Wherein, it uploads receivable street certificate 431 to make loans work approval stream for triggering factoring, business personnel is put by initiation
Money application 432, audit 433 of making loans, the audit of receivable 434 step of factoring transfer provide confirmation form of making loans, finally by financial institution's mould
Block 300 is made loans.
Specifically, factoring loan service module 430 will call the preposition service interface of financial institution's module 300 to spend money judgement,
The receivable street certificate uploaded in receivable street certificate 431 is stored on FDFS file server.
The business service of factoring loan service module 430 is linked the information system of financing enterprise module 200 by the present embodiment
With the preposition service interface of financial institution module 300, transfers the possession of financing enterprise by accounts receivable factoring and made loans.
Embodiment five
Fig. 5 is client's reimbursement business module workflow schematic diagram that the embodiment of the present invention five provides, and the present embodiment is upper
It states and financing services module 400 is further described on the basis of embodiment one, as shown in figure 5, client's reimbursement business module
440 include uploading refund voucher 441, initiating refund application 442, refund confirmation 443 and clearing 444.
Wherein, it uploads refund voucher 441 to initiate to refund by financing enterprise, triggers refund process, financial staff passes through under line
It checks, confirmation 443 of refunding, finally carries out clearing 444.
Specifically, the refund voucher for uploading refund voucher needs to be stored on file service FDFS, and finance are according to line upstream
Water carries out clearing 444.
The present embodiment the business service of client's reimbursement business module 440 has been linked before factoring loan service module
430 business service and the business service of system giving credit module 420.Financing enterprise module 200 is after being refunded, meeting
The refund state for influencing loan balance and making loans.
The embodiment of the Supply chain financing system to of the invention based on factoring is illustrated above.For of the invention
Supply chain financing system concrete operations mode, operation way based on factoring can be carried out according to the effect of the feature of above-mentioned disclosure
Specific design, these designs are that those skilled in the art can be realized.Moreover, each technical characteristic of above-mentioned disclosure and unlimited
In disclosed with other feature combination, those skilled in the art can also purpose according to the present invention carry out each technical characteristic it
Between other combinations, be subject to realize the present invention purpose.
Claims (10)
1. a kind of Supply chain financing system based on factoring, which is characterized in that including core enterprise's module, financing enterprise module,
Financial institution's module and financing services module；Wherein,
Core enterprise's module includes core enterprise's business datum system；
The financing enterprise module includes the information management system of various financing enterprises；
Financial institution's module is used to provide with funds；
Wherein, the service object of the financing services module is the financing enterprise module, the air control of the financing enterprise module
Data come from core enterprise's module, carry out risk class inquiry, the financing services mould by the financing services module
Block, which docks different financial institution's modules, provides with funds.
2. the Supply chain financing system according to claim 1 based on factoring, which is characterized in that the financing services module
Including financing product business module, system giving credit module, factoring loan service module and client's reimbursement business module；Its
In,
The financing product business module is used to provide the creation publication and undercarriage service of financing product, is looked forward to according to different financings
The classification of industry information carries out dynamic financing product matching；
The system giving credit module is used to provide the service of credit workflow examination and approval to different financing enterprises, according to different
Product carries out giving credit examination & approval service using different workflows；
The factoring loan service module is made loans application business for examining financing enterprise, and docking financial institution's mould
Block, according to financing enterprise make loans application provide accounts receivable transfer the possession of authority go docking funds source, and then to financing enterprise into
Capable operation of making loans；
Refund service, financing enterprise and the financial institution that client's reimbursement business module is used to provide financing enterprise are relevant
Clearance and clearing service.
3. the Supply chain financing system according to claim 1 based on factoring, which is characterized in that core enterprise's module
It further include core enterprise's business datum system interface service layer；
Core enterprise's business datum system interface service layer is for providing the analysis of core enterprise's business datum, core enterprise
Associated supply chain modes data carry out classification integration, provide the risk of financing enterprise credit information interface and financing enterprise
Information interface data, the service layer provide business datum system to the credit and risk monitoring and control business of the financing services module
Interface, the credit and risk demand information for being converted into the service layer from the service request information on financing services foreground.
4. the Supply chain financing system according to claim 1 based on factoring, which is characterized in that the financing enterprise module
It further include the preposition service layer that financing enterprise information management system is collected；
The preposition service layer that the financing enterprise information management system is collected connects for providing unified financing enterprise data input
Mouthful, classify to the upstream and downstream financing enterprise of core enterprise according to scale and with the functional difference of core enterprise, financing is looked forward to
Industry information is managed, and the preposition service layer delivers component and transmits information using unified and standard agreement and message.
5. the Supply chain financing system according to claim 1 based on factoring, which is characterized in that financial institution's module
It further include that the route system service layer, financial institution of different fund mechanisms is provided；
Financial institution's route system service layer docks different for providing the preposition service of unification of each financial institution, backstage
Financial institution's interface, manage all financial institutions and uniform service tune carried out to different financial structure interface for caller
With.
6. the Supply chain financing system according to claim 1 based on factoring, which is characterized in that the financing services module
It further include the core business processing system of financing business；
The core business processing system is used to handle the financing service request of financing enterprise, for multiple financing enterprise terminals
Different business request, after integrated, each server is handled core business system by different rights, and service request is distributed to
Each core business processing system.
7. the Supply chain financing system according to claim 2 based on factoring, which is characterized in that the financing product business
Module includes the creation of financing product, financing product restocking application, financing product restocking audit, financing product success restocking, financing
The application of product undercarriage and financing product undercarriage audit；Wherein,
The financing product creation for according to different financing enterprises classify it is different carry out different product and divide, the financing
Product restocking application, financing product restocking audit, financing product success restocking, financing product undercarriage application and financing product undercarriage
Audit is the restocking and undercarriage in order to control product, is a kind of operation management to product.
8. the Supply chain financing system according to claim 2 based on factoring, which is characterized in that the system giving credit
Module includes financing enterprise credit application, audit provides the accrediting amount, preservation is resolved, signs factoring agreement guarantee agreement and saves
Financing enterprise credit；Wherein,
The financing enterprise credit application for trigger system credit granting work examination & approval stream, by auditing, to the greatest extent adjust and air control, pass through institute
It states preservation resolution, signature factoring agreement guarantee agreement and saves financing enterprise credit step, examination & approval finally provide financing enterprise
The accrediting amount.
9. the Supply chain financing system according to claim 2 based on factoring, which is characterized in that the factoring loan service
Module is including uploading receivable street certificate, initiation is made loans, and application, audit of making loans, receivable factoring transfer and financial institution make loans；Its
In,
Described to upload receivable street certificate and make loans work approval stream for triggering factoring, business personnel makes loans Shen by the initiation
Please, make loans audit, receivable factoring transfer the possession of step audit provide confirmation form of making loans, finally put by financial institution's module
Money.
10. the Supply chain financing system according to claim 2 based on factoring, which is characterized in that client's refund industry
Module of being engaged in includes uploading refund voucher, initiating refund application, refund confirmation and clearing；Wherein,
The upload refund voucher is initiated to refund by financing enterprise, triggers refund process, and financial staff, which passes through under line, to be checked, refunds
Confirmation, is finally settled accounts.
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| CN111275402A (en) * | 2020-01-19 | 2020-06-12 | 中信银行股份有限公司 | Processing method, system, equipment and medium for rapidly storing assembly line of same-industry operation |
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| CN111383103A (en) * | 2020-03-27 | 2020-07-07 | 中国建设银行股份有限公司 | User financing method and device |
| CN111640028A (en) * | 2020-06-08 | 2020-09-08 | 亚太中商供应链管理有限公司 | Supply chain financing system and method thereof |
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| CN113034267A (en) * | 2021-03-26 | 2021-06-25 | 广东中盈盛达数字科技有限公司 | Electronic letter protection system based on supply chain |
| CN112907382A (en) * | 2021-04-06 | 2021-06-04 | 深圳市分期乐网络科技有限公司 | Order distribution method and device, electronic equipment and storage medium |
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