CN111640028A - Supply chain financing system and method thereof - Google Patents

Supply chain financing system and method thereof Download PDF

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Publication number
CN111640028A
CN111640028A CN202010513591.8A CN202010513591A CN111640028A CN 111640028 A CN111640028 A CN 111640028A CN 202010513591 A CN202010513591 A CN 202010513591A CN 111640028 A CN111640028 A CN 111640028A
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supply chain
financing
supplier
financial
enterprises
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王康
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Asia Pacific Chinese Supply Chain Management Co ltd
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Asia Pacific Chinese Supply Chain Management Co ltd
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    • GPHYSICS
    • G06COMPUTING; CALCULATING OR COUNTING
    • G06QINFORMATION 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
    • G06Q40/00Finance; Insurance; Tax strategies; Processing of corporate or income taxes
    • G06Q40/06Asset management; Financial planning or analysis
    • GPHYSICS
    • G06COMPUTING; CALCULATING OR COUNTING
    • G06QINFORMATION 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
    • G06Q40/00Finance; Insurance; Tax strategies; Processing of corporate or income taxes
    • G06Q40/03Credit; Loans; Processing thereof

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Abstract

The invention discloses a supply chain financing system and a supply chain financing method. The financial service platform of the supply chain is relied on, the benign interaction of financing and entity business is accelerated, on one hand, a first-level cloud monitoring system and a second-level cloud monitoring system are added in the platform environment, the application of a big data and cloud computing technology improves the information interaction rate, the business processing efficiency and the information asymmetry phenomenon in the supply chain; on the other hand, the scale and the information technology of the platform have the advantages of attracting more financial institutions, enabling financing service to be better in quality, and better solving the dilemma of difficult financing, high cost and low efficiency.

Description

Supply chain financing system and method thereof
Technical Field
The invention relates to the technical field of supply chain financing, in particular to a supply chain financing system and a supply chain financing method.
Background
Financing is the act and process of fund raising for an enterprise. The method is characterized in that a company works according to the production and operation condition of the company, the condition of capital possession and the requirement of future operation and development of the company through scientific prediction and decision, and capital is raised from investors and creditors of the company through a certain channel by adopting a certain mode, and the supply of the capital is organized so as to ensure the normal production requirement of the company and the financing action required by operation and management activities.
Supply chain finance, simply stated, is a financing model for banks to connect core and upstream and downstream businesses together to provide flexibly deployed financial products and services. I.e. capital is used as a solvent in the supply chain to increase its fluidity. Generally, a supply chain for a particular commodity is from raw material procurement to intermediate and final product production, and finally the product is sent to the consumer by the distribution network, connecting the supplier, manufacturer, distributor, retailer, and end user into a single entity. In the supply chain, core enterprises with strong competitiveness and large scale have strict requirements on upstream and downstream supporting enterprises in terms of trade conditions such as delivery, price, account period and the like due to the strong status of the core enterprises, thereby causing huge pressure on the enterprises. Most upstream and downstream supporting enterprises are just small and medium-sized enterprises, financing from banks is difficult, and finally, a fund chain is very short, and the whole supply chain is unbalanced.
Disclosure of Invention
The present invention is directed to solving, at least to some extent, one of the technical problems in the related art. Therefore, one purpose of the invention is to provide a supply chain financing system and a method thereof, the invention relies on a supply chain financial service platform to accelerate the benign interaction of financing and entity business, on one hand, a primary cloud monitoring system and a secondary cloud monitoring system are added in the platform environment, the application of a big data and cloud computing technology improves the information interaction rate, the business processing efficiency and the phenomenon of information asymmetry in the supply chain; on the other hand, the scale and the information technology of the platform have the advantages of attracting more financial institutions, enabling financing service to be better in quality, and better solving the dilemma of difficult financing, high cost and low efficiency.
The supply chain financing system comprises a core enterprise, a joint venture enterprise, a branch management enterprise, a financial institution, a credit-adding institution, a supplier, a sharing platform and a supply chain financial service platform;
the supplier is to provide products and services, and the supplier changes accounts receivable through supply chain finance;
an encrypted sharing platform is arranged between a supplier and a supply chain financial service platform and is used for enterprise sharing of data of products and services;
the core enterprise is a resource provider, introduces funds by providing credit and data, and the supply chain financial service platform helps the core enterprise to perform performance management of the provider;
the core enterprise manages subordinate sub-management enterprises and cooperative joint venture enterprises in a sub-management mode, the joint venture enterprises are used for enhancing the supply of resources, and the sub-management enterprises perform preliminary summation and fusion on the resources;
the financial institution serves as a fund provider to provide fund support for a supply chain financial service platform, and can acquire batch financing business through a group effect;
the supply chain financial service platform is used as an information medium to get through the relationship between the core enterprise and the supplier through the matching of financial products and provide related services, and the financial institution is docked to provide information services to obtain income;
the trust authority is used to vouch for the entire supply chain financing system.
Preferably, a primary cloud monitoring system and a secondary cloud monitoring system are added in the supply chain financial service platform, and the primary cloud monitoring system and the secondary cloud monitoring system monitor data of the whole supply chain financing system in real time.
Preferably, the core enterprise includes provincial companies and core product units that produce the provided resources.
Preferably, the credit accruing institution includes an insurance company and a guarantee company.
Preferably, the branch management enterprise comprises a first-level subsidiary and a second-level subsidiary.
Preferably, the joint venture enterprises include domestic joint venture companies and international joint venture companies.
Preferably, the financial institutions include banks, security companies and investment companies.
Preferably, the suppliers include domestic system suppliers and foreign system suppliers.
Preferably, the method steps are as follows:
s1: generating a warranty service, and transferring accounts receivable generated based on goods sale or service contract made by the supplier with the buyer to a warranty for which financing service is provided by the warranty;
s2: the method realizes the credit financing of accounts receivable, the supplier applies for loan to the financial institution by taking the accounts receivable as the credit, and the ownership of the accounts receivable still belongs to the supplier;
s3: in the commercial acceptance bill financing service, a supplier transfers the commercial acceptance bill to a bank, the bank deducts the interest of the withdrawal according to the credit level of a core enterprise and pays the balance to a payee after deducting the interest of the withdrawal according to the bill amount, the bill is returned to the withdrawal bank once the withdrawal bank is withdrawn, and the withdrawal bank can directly collect the bill amount from the acceptance enterprise by the bill when the withdrawal bank is due.
The beneficial effects of the invention are as follows: the financial service platform of the supply chain is relied on, the benign interaction of financing and entity business is accelerated, on one hand, a first-level cloud monitoring system and a second-level cloud monitoring system are added in the platform environment, the application of a big data and cloud computing technology improves the information interaction rate, the business processing efficiency and the information asymmetry phenomenon in the supply chain; on the other hand, the scale and the information technology of the platform have the advantages of attracting more financial institutions, enabling financing service to be better in quality, and better solving the dilemma of difficult financing, high cost and low efficiency.
Drawings
The accompanying drawings, which are included to provide a further understanding of the invention and are incorporated in and constitute a part of this specification, illustrate embodiments of the invention and together with the description serve to explain the principles of the invention and not to limit the invention. In the drawings:
FIG. 1 is a schematic diagram of a supply chain financing system and method according to the present invention;
fig. 2 is a schematic structural diagram of a supply chain financial service platform in the supply chain financing system and the method thereof according to the present invention.
Detailed Description
The present invention will now be described in further detail with reference to the accompanying drawings. These drawings are simplified schematic views illustrating only the basic structure of the present invention in a schematic manner, and thus show only the constitution related to the present invention.
Referring to fig. 1-2, a supply chain financing system includes a core enterprise, a joint venture enterprise, a branch management enterprise, a financial institution, a credit-adding institution, a supplier, a sharing platform and a supply chain financial service platform;
the supplier is to provide products and services, and the supplier changes accounts receivable through supply chain finance;
an encrypted sharing platform is arranged between a supplier and a supply chain financial service platform and is used for enterprise sharing of data of products and services;
the core enterprise is a resource provider, introduces funds by providing credit and data, and the supply chain financial service platform helps the core enterprise to perform performance management of the provider;
the core enterprise manages subordinate sub-management enterprises and cooperative joint venture enterprises in a sub-management mode, the joint venture enterprises are used for enhancing the supply of resources, and the sub-management enterprises perform preliminary summation and fusion on the resources;
the financial institution serves as a fund provider to provide fund support for a supply chain financial service platform, and can acquire batch financing business through a group effect;
the supply chain financial service platform is used as an information medium to get through the relationship between the core enterprise and the supplier through the matching of financial products and provide related services, and the financial institution is docked to provide information services to obtain income;
the trust authority is used to vouch for the entire supply chain financing system.
Preferably, a primary cloud monitoring system and a secondary cloud monitoring system are added in the supply chain financial service platform, and the primary cloud monitoring system and the secondary cloud monitoring system monitor data of the whole supply chain financing system in real time.
The core enterprises include provincial and city companies and core product units for producing and providing resources, the credit increasing institutions include insurance companies and guarantee companies, the branch management enterprises include first-class subsidiaries and second-class subsidiaries, the joint venture enterprises include domestic joint ventures and international joint ventures, the financial institutions include banks, securities companies and investment companies, and the suppliers include domestic system suppliers and foreign system suppliers.
The method comprises the following steps:
s1: generating a warranty service, and transferring accounts receivable generated based on goods sale or service contract made by the supplier with the buyer to a warranty for which financing service is provided by the warranty;
s2: the method realizes the credit financing of accounts receivable, the supplier applies for loan to the financial institution by taking the accounts receivable as the credit, and the ownership of the accounts receivable still belongs to the supplier;
s3: in the commercial acceptance bill financing service, a supplier transfers the commercial acceptance bill to a bank, the bank deducts the interest of the withdrawal according to the credit level of a core enterprise and pays the balance to a payee after deducting the interest of the withdrawal according to the bill amount, the bill is returned to the withdrawal bank once the withdrawal bank is withdrawn, and the withdrawal bank can directly collect the bill amount from the acceptance enterprise by the bill when the withdrawal bank is due.
A provider is an upstream enterprise that provides products and services, and is a financer. The supplier changes accounts receivable back through supply chain finance to inject vitality into the fund flow. Rights and obligations: signing a platform entrance agreement and paying service fee to the platform according to the agreement; secondly, signing a network registration protocol, and committing to trueness of the receivable account information data provided by the platform; and thirdly, signing a financing contract with the financial institution, paying financing interest and commission charge, and obtaining loan.
The core enterprise is the resource (credit and data) provider. The core enterprise introduces funds by providing credit and data; in addition, the platform helps core enterprises to enhance performance management of suppliers and improve supply chain efficiency. Rights and obligations: firstly, signing a cooperation agreement with a platform and signing a credit contract with a financial institution; secondly, providing an actual payer list; thirdly, a supplier list for determining that the credit can be implemented is provided; fourthly, providing the related information of the payment due of the supplier; and fifthly, arranging payment according to the agreed fund flow.
Financial institutions serve as fund providers to provide fund support for the platform, and can obtain high-quality financing services in batches through the group effect, so that service risks and cost are reduced. Rights and obligations: the method comprises the steps of pre-credit management, including the steps of making a supplier admission standard and fulfilling due-time investigation obligations on data submitted by a supplier and a core enterprise through a platform; secondly, the system is responsible for financing and paying for the cooperation suppliers; thirdly, information of credit granting, financing examination and approval, payment and repayment is pushed to a supply chain financial platform; fourthly, platform service fee is paid to the platform; and fifthly, the management system is responsible for financial institution-level loan neutralization and post-loan management.
The supply chain financial service platform is used as an information medium to get through the relationship between the core enterprise and the supplier through the matching of financial products and provide related services, and the financial institution is docked to provide information services to obtain income; the key point of the invention is that a primary cloud monitoring system and a secondary cloud monitoring system are added in a supply chain financial service platform, the application of a big data and cloud computing technology improves the information interaction rate, improves the service processing efficiency and reduces the error rate, and the primary cloud monitoring system and the secondary cloud monitoring system monitor the data of the whole supply chain financing system in real time.
Rights and obligations: the system is responsible for providing information of business transaction and providing data support for core enterprises to check the credit and debit due and suppliers to initiate financing application; secondly, the financial institution is in charge of docking, and the optimal financial institution and financing scheme are precisely docked for the supplier; thirdly, the system is responsible for auditing before credit, checking account receivable information of financing of a supplier and pushing the information to a financial institution; fourthly, timely docking payment information and repayment information after financing, and well performing service information updating management after loan; fifthly, the system is responsible for abutting the obligation of payment due of the core enterprise; and sixthly, loan state pushing.
The financing method of the invention is as follows:
s1: generating a warranty service, and transferring accounts receivable generated based on goods sale or service contract made by the supplier with the buyer to a warranty for which financing service is provided by the warranty;
s11: the supplier and the core enterprise sign a contract to form accounts receivable;
s12: a supplier applies for credit authorization through the platform and can inquire the credit authorization and approval condition of the financial institution through the supply chain financial service platform;
s13: the supplier applies for warranty and opens a warranty special account through a supply chain financial service platform;
s14: the supplier realizes the confirmation of the corresponding account collection of the core enterprise through the supply chain financial service platform;
s15: the financial institution deposits money according to the receivable payment confirmation information, and the supplier receives the deposit money through the supply chain financial service platform;
s16: and after the payment is finished, the core enterprise repays the payment to the warranty account through the supply chain financial service platform.
S2: the method realizes the credit financing of accounts receivable, the supplier applies for loan to the financial institution by taking the accounts receivable as the credit, and the ownership of the accounts receivable still belongs to the supplier;
s21: the supplier and the core enterprise sign a contract to form accounts receivable;
s22: a supplier applies for credit authorization through the platform and can inquire the credit authorization and approval condition of the financial institution through the supply chain financial service platform;
s23: a supplier applies for pledge financing through a supply chain financial service platform;
s24: the financial institution deposits money according to the auditing information, and the supplier receives the money deposit through a supply chain financial service platform;
s25: after the expiration, the core enterprise repays to the posting financial institution through the supply chain financial service platform.
S3: in the commercial acceptance bill financing service, a supplier transfers the commercial acceptance bill to a bank, the bank deducts the interest of the withdrawal according to the credit level of a core enterprise and pays the balance to a payee after deducting the interest of the withdrawal according to the bill amount, the bill is returned to the withdrawal bank once the withdrawal bank is withdrawn, and the withdrawal bank can directly collect the bill amount from the acceptance enterprise by the bill when the withdrawal bank is due.
S31: docking a core enterprise and a financial institution through a supplier supply chain financial service platform, and checking a merchant ticket discount limit according to credit application materials of the core enterprise;
s32: the supplier and the core enterprise form a commercial acceptance draft after signing a contract;
s33: the supplier applies for the application of the cash-out through a supply chain financial service platform, and the financial institution checks the cash-out according to the application material;
s34: the financial institution deposits money according to the auditing information, and the supplier receives the money deposit through a supply chain financial service platform;
s35: and after the period of time, the core enterprise of the core enterprise repays the money to the posting financial institution through the supply chain financial service platform.
The financial service platform of the supply chain is relied on, the benign interaction of financing and entity business is accelerated, on one hand, a first-level cloud monitoring system and a second-level cloud monitoring system are added in the platform environment, the application of a big data and cloud computing technology improves the information interaction rate, the business processing efficiency is improved, the error rate is reduced, and the phenomenon of information asymmetry in the supply chain is improved; on the other hand, the scale and the information technology of the platform have the advantages of attracting more financial institutions, enabling financing service to be better in quality, and better solving the dilemma of difficult financing, high cost and low efficiency.
The above description is only for the preferred embodiment of the present invention, but the scope of the present invention is not limited thereto, and any person skilled in the art should be considered to be within the technical scope of the present invention, and the technical solutions and the inventive concepts thereof according to the present invention should be equivalent or changed within the scope of the present invention.

Claims (9)

1. A supply chain financing system characterized by: the system comprises core enterprises, joint venture enterprises, branch management enterprises, financial institutions, credit-increasing institutions, suppliers, a sharing platform and a supply chain financial service platform;
the supplier is to provide products and services, and the supplier changes accounts receivable through supply chain finance;
an encrypted sharing platform is arranged between a supplier and a supply chain financial service platform and is used for enterprise sharing of data of products and services;
the core enterprise is a resource provider, introduces funds by providing credit and data, and the supply chain financial service platform helps the core enterprise to perform performance management of the provider;
the core enterprise manages subordinate sub-management enterprises and cooperative joint venture enterprises in a sub-management mode, the joint venture enterprises are used for enhancing the supply of resources, and the sub-management enterprises perform preliminary summation and fusion on the resources;
the financial institution serves as a fund provider to provide fund support for a supply chain financial service platform, and can acquire batch financing business through a group effect;
the supply chain financial service platform is used as an information medium to get through the relationship between the core enterprise and the supplier through the matching of financial products and provide related services, and the financial institution is docked to provide information services to obtain income;
the trust authority is used to vouch for the entire supply chain financing system.
2. The supply chain financing system as claimed in claim 1, wherein: a primary cloud monitoring system and a secondary cloud monitoring system are added in the supply chain financial service platform, and the primary cloud monitoring system and the secondary cloud monitoring system are used for monitoring data of the whole supply chain financing system in real time.
3. The supply chain financing system as claimed in claim 1, wherein: the core enterprise includes provincial companies and core product units producing the provided resources.
4. The supply chain financing system as claimed in claim 1, wherein: the credit accruing organization comprises an insurance company and a guarantee company.
5. The supply chain financing system as claimed in claim 1, wherein: the branch management enterprise comprises a first-level subsidiary company and a second-level subsidiary company.
6. The supply chain financing system as claimed in claim 1, wherein: the joint venture enterprises include domestic joint venture companies and international joint venture companies.
7. The supply chain financing system as claimed in claim 1, wherein: the financial institutions include banks, security companies, and investment companies.
8. The supply chain financing system as claimed in claim 1, wherein: the suppliers include domestic system suppliers and foreign system suppliers.
9. The supply chain financing method according to any one of claims 1-8, characterized in that: the method comprises the following steps:
s1: generating a warranty service, and transferring accounts receivable generated based on goods sale or service contract made by the supplier with the buyer to a warranty for which financing service is provided by the warranty;
s2: the method realizes the credit financing of accounts receivable, the supplier applies for loan to the financial institution by taking the accounts receivable as the credit, and the ownership of the accounts receivable still belongs to the supplier;
s3: in the commercial acceptance bill financing service, a supplier transfers the commercial acceptance bill to a bank, the bank deducts the interest of the withdrawal according to the credit level of a core enterprise and pays the balance to a payee after deducting the interest of the withdrawal according to the bill amount, the bill is returned to the withdrawal bank once the withdrawal bank is withdrawn, and the withdrawal bank can directly collect the bill amount from the acceptance enterprise by the bill when the withdrawal bank is due.
CN202010513591.8A 2020-06-08 2020-06-08 Supply chain financing system and method thereof Pending CN111640028A (en)

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Cited By (5)

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CN112465649A (en) * 2020-11-23 2021-03-09 山东浪潮通软信息科技有限公司 Method for intelligently managing financial assets based on big data
CN112581280A (en) * 2020-12-28 2021-03-30 桑滨 Supply chain financial service management system
CN112750061A (en) * 2021-03-02 2021-05-04 深圳市爱云信息科技有限公司 Intelligent supply chain digital brain platform
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
CN113191855A (en) * 2021-05-27 2021-07-30 海尔卡奥斯物联生态科技有限公司 Purchase service method and device, electronic equipment and storage medium

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Cited By (5)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
CN112465649A (en) * 2020-11-23 2021-03-09 山东浪潮通软信息科技有限公司 Method for intelligently managing financial assets based on big data
CN112581280A (en) * 2020-12-28 2021-03-30 桑滨 Supply chain financial service management system
CN112750061A (en) * 2021-03-02 2021-05-04 深圳市爱云信息科技有限公司 Intelligent supply chain digital brain platform
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
CN113191855A (en) * 2021-05-27 2021-07-30 海尔卡奥斯物联生态科技有限公司 Purchase service method and device, electronic equipment and storage medium

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