CN113888157A - Financing lease management interaction system - Google Patents

Financing lease management interaction system Download PDF

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Publication number
CN113888157A
CN113888157A CN202010632204.2A CN202010632204A CN113888157A CN 113888157 A CN113888157 A CN 113888157A CN 202010632204 A CN202010632204 A CN 202010632204A CN 113888157 A CN113888157 A CN 113888157A
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China
Prior art keywords
management
block
center
service
management center
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Pending
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CN202010632204.2A
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Chinese (zh)
Inventor
王飞
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Hangzhou Yigu Technology Co ltd
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Hangzhou Yigu Technology Co ltd
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Priority to CN202010632204.2A priority Critical patent/CN113888157A/en
Publication of CN113888157A publication Critical patent/CN113888157A/en
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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
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/22—Payment schemes or models
    • G06Q20/24—Credit schemes, i.e. "pay after"
    • 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
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/38—Payment protocols; Details thereof
    • G06Q20/40—Authorisation, e.g. identification of payer or payee, verification of customer or shop credentials; Review and approval of payers, e.g. check credit lines or negative lists
    • G06Q20/401—Transaction verification
    • G06Q20/4014—Identity check for transactions
    • G06Q20/40145—Biometric identity checks
    • 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
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/38—Payment protocols; Details thereof
    • G06Q20/42—Confirmation, e.g. check or permission by the legal debtor of payment
    • 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
    • G06Q30/00—Commerce
    • G06Q30/06—Buying, selling or leasing transactions
    • G06Q30/0645—Rental transactions; Leasing transactions
    • 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
    • G06Q40/03—Credit; Loans; Processing thereof
    • 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

Abstract

The invention relates to the technical field of financing lease asset management, and discloses a financing lease management interaction system which comprises a setting center, an operation management center, an asset management analysis system service management center, a financial management center and an asset management center. The invention has three core abilities of assisting the scientific and technological transformation of the financing lease industry based on financial service business, big data technology and cloud computing, realizes the datamation and intelligent management of the whole process from transaction ordering to asset generation and the whole process of the financing management.

Description

Financing lease management interaction system
Technical Field
The invention relates to the technical field of financing lease asset management, in particular to a financing lease management interaction system.
Background
In 2010, the balance of the national financing lease contract reaches 7000 million yuan, in 2013, the contract balance scale of the national financing lease industry stably increases, the annual average composite increase rate is maintained at about 20%, in 2013, the balance of the national financing lease contract breaks through 2 trillion yuan, after 2014, the balance of the national financing lease contract is increased continuously and decreased, in three years of 2016 + 2018, the newly increased contract balances of the industry are 8900, 8300 and 5900 billion yuan respectively, and the annual average composite increase rate is decreased to 11.7%, so that the expansion speed of the industry scale in recent years is reduced, but considering the continuously increased base number level, the increase speed is still relatively high, in the whole view, the financing lease industry benefits the internal attribute in recent years, in addition, the limited influence of new regulations of resource management and channel removal is added, the service scale does not shrink, and the whole body is in a stable expansion trend.
In terms of the number of businesses, which is 20% soaring, the relevant data shows that by 12 months of 2018, the total number of nationwide financing rental businesses (not including single-project companies, branch companies, SPV companies, and overseas procurement companies) is about 11777, which is a 21.7% increase over the 9676 of the last year, 2101.
In recent years, the financing leasing industry in China is rapidly developed, and the number of financing leasing companies is increased by nearly 65 times from less than 200 in 2010 to 11777 in 2018 from 2010 to 2018.
Although the Chinese financing lease industry has been developed sufficiently in recent years, the information level of the industry is generally low, and is particularly reflected in that the system architecture is older, the business demand cannot be covered, the promotion effect on the business is limited, and even the business development is influenced.
Accordingly, those skilled in the art provide a financing lease management interactive system to solve the problems set forth in the background above.
Disclosure of Invention
The invention aims to provide a financing lease management interactive system to solve the problems in the background technology.
In order to achieve the purpose, the invention provides the following technical scheme: a financing lease management interactive system comprises a setting center, an operation management center, a business management center, a financial management center and an asset management center;
the setting center is used for basic setting of the system;
the operation management center helps users to realize service configuration before service development;
the business management center is used for the development of personal and enterprise army leasing business;
the financial center may be used to conduct management of financial accounting and placement of funds;
the asset management center can assist a user in achieving full lifecycle management of assets.
As a further scheme of the invention: the setting center comprises a setting plate, an account right plate, a workflow plate and a parameter plate.
As a further scheme of the invention: the operation management center comprises an enterprise library plate, a product library plate, a repayment account plate and a contract library plate.
As a further scheme of the invention: the service management center comprises a subcontracting service plate, a retail service plate and a supply chain financial service plate.
As a further scheme of the invention: the financial management center comprises a deposit management plate, a service fee management plate, a fund release plate, a client payment plate and a service accounting plate.
As a further scheme of the invention: the asset management center comprises an asset pool plate, a post-loan management plate and a report plate.
Compared with the prior art, the invention has the beneficial effects that: the invention has three core abilities based on financial service business plus big data technology plus cloud computing to assist the scientific and technological transformation of the financing lease industry, realizes the datamation and intelligent management of the whole process from transaction ordering to asset generation and the whole process of the financing management, has a complete operation and management system, optimizes the efficiency of the financing lease company for developing the business and management, meets the individual requirements of customers, can realize the quick development of the business through the configuration of functions and services without the development of non-responsible responsibility, provides an advanced integrated solution of financing lease and Internet, comprehensively realizes the online, scene, datamation and intellectualization of the whole financing lease link, reduces the admission threshold of the industry, and ensures that the financing lease management interactive system is more authentic and scientific.
Drawings
FIG. 1 is an architecture diagram of a financing lease management interaction system;
FIG. 2 is a block diagram of a design framework of a financing lease management interaction system;
FIG. 3 is an architecture diagram of a data center in a financing lease management interaction system;
FIG. 4 is a flowchart of the operation of a financing lease management interaction system.
Detailed Description
The technical solutions in the embodiments of the present invention will be clearly and completely described below with reference to the drawings in the embodiments of the present invention, and it is obvious that the described embodiments are only a part of the embodiments of the present invention, and not all of the embodiments. All other embodiments, which can be derived by a person skilled in the art from the embodiments given herein without making any creative effort, shall fall within the protection scope of the present invention.
Referring to fig. 1 to 4, in an embodiment of the present invention, a financing lease management interaction system includes a setting center, an operation management center, an asset management analysis system service management center, a financial management center, and an asset management center;
the setting center is used for basic setting of the system;
the operation management center helps the user to realize the service configuration before the service development;
the business management center is used for the development of personal and enterprise army leasing business;
the financial center can be used to manage financial accounting and fund release;
the asset management center can assist a user in realizing the full life cycle management of assets;
the setting center comprises a setting plate, an account right plate, a workflow plate and a parameter plate;
the operation management center comprises an enterprise library plate, a product library plate, a repayment account plate and a contract library plate.
Furthermore, the setting center can complete the permission authentication and configuration used by basic systems such as system Logo, electronic contract link, internet court authentication access, use subject authentication and the like, realize the quick construction of basic services, can complete the management of accounts, authorities and affiliated departments of internal and external users of a company through the account authority management, realize the management and control of internal and external organization frameworks and authorities, can carry out approval setting on a plurality of service nodes through workflow management, and supports the setting of common approval, approving approval, condition node and service node approval.
Furthermore, the operation center can complete the configuration before the whole business development, including the preparation and credit of cooperators and related enterprises, the repayment accounts of customers and enterprises, the contracts required by the business development and the product configuration, the operation center realizes the preposed flexible and standardized business configuration of the financing leasing compliance exhibition industry, the error and false enterprise information can be filtered based on the enterprise authentication and the electronic contract authorization with the three-party compliance, the automatic verification and generation of the repayment accounts of the customers and the enterprises can support the fund release and the fund withdrawal in the exhibition industry to the maximum extent, the arrangement of the contracts and the products can meet various customized business requirements of the users, and the business is more flexible.
Furthermore, the service management center comprises a subcontracting service plate, a retail service plate and a supply chain financial service plate.
Furthermore, the financial management center comprises a deposit management plate, a service fee management plate, a fund release plate, a client payment plate and a service accounting plate.
Furthermore, the asset management center comprises an asset pool plate, a post-credit management plate and a report plate.
Furthermore, the service management center supports subcontracting services, retail services and supply chain financial services, each service type realizes systematic full-flow support from ordering to signing of incoming documents, and compliance exhibition under strong supervision requiring breakdown, and particularly for the retail services with the highest current traffic occupation ratio, a user can realize full-flow online and configurability from vehicle information generation, customer admission and authentication, retail order creation, customer credit and anti-fraud audit, electronic contract and payment signing through the system.
Furthermore, the financial management center is convenient for a user to manage the deposit and the service fee of each order, approves and puts the order which needs to be paid, and realizes the management and business accounting of the return money of the client after the payment is finished.
Furthermore, the asset management center can manage the assets formed by depositing the money in a full life cycle, so that the user can conveniently realize the full flow management of asset entering, asset management after loan and asset rewarding.
The main operation flow steps of the invention are as follows:
s1: after the user finishes system login, the user finishes the setting of organization architecture, authority and personnel of the whole company through the setting center, finishes the authentication and configuration of a business development main body, sets a workflow needing to be checked, configures third-party services which mainly comprise electronic contracts, enterprise authentication, payment channels and the like, and finishes the first step of business development.
S2: after S1, the service operator completes system login based on the account and authority set in S1, and completes authentication and admission of a cooperation channel through the operation center (the cooperation channel can be a self-owned store or a third-party cooperation store).
S3: after S2 is finished, the service operator distributes the system account and authority to the personnel in the cooperation channel in the setup center, and may modify the existing personnel account in the cooperation channel, such as delete and adjust the account.
S4: after S3 ends, the following order may be made by two modes of operation: the method comprises the steps that a mobile APP or a PC background inputs orders, when the mobile APP is selected to place orders, an operator shows an order two-dimensional code to an intention client, the client scans a code to fill in personal information for authentication, in the authentication process, the client needs to upload an identity card and a driving license and perform active experience, the client is confirmed to be the client to operate, the client selects a financing asset and a financial scheme and submits the auditing, and when the PC background is selected to place orders, the operator replaces the client to input order information such as client information, asset information and the financial scheme in the PC background and then submits the auditing.
S5: after the S4 is finished, the method and the system perform pre-auditing on the client based on the industry wind control model precipitated for many years, quickly judge whether the client passes through, and support the configuration of auditing rules by the system, so that the differentiated auditing of different service types can be met, and the service execution efficiency is improved.
S6: after the completion of S5, the approved customer can pay for the first payment, and perform electronic contract signing and payment signing, and when performing electronic contract signing, living body authentication and short message signing authentication need to be performed to ensure compliance and traceability of the electronic contract signing process, and when performing payment signing, four-factor authentication need to be performed to ensure accuracy of subsequent payment.
S7: after S6, the operation and business personnel of the financing leasing company conduct credit check and contract check on the submitted orders, and place the orders meeting the conditions, wherein the credit check and the contract check can be automatically checked and configured, and the system can realize automatic deposit through the direct connection of the bank and the enterprise during deposit.
S8: after S7, the financing lease asset is delivered to the client, the client signs the relevant confirmation, the living body authentication and short message verification are carried out during signing, based on S6 client authentication and signed payment signing, the client repays the payment through the bound bank card, meanwhile, the system supports the client to actively transfer the payment, and after a period of performance, if the change of contract, such as re-signing, clearing and the like, is required, the change can be finished through electronic contract signing.
S9: after S7, financial management and asset management can be carried out on the financing lease order through the system, the financial management can manage the deposit, service charge, client payment and accounting result and can lead out the result for checking, and in the asset management, the asset can be subjected to post-loan management, which mainly comprises GPS installation, mortgage confirmation, archive management, invoicing management, insurance management and settlement management.
The invention has three core abilities based on financial service business plus big data technology plus cloud computing to assist the scientific and technological transformation of the financing lease industry, realizes the datamation and intelligent management of the whole process from transaction ordering to asset generation and the whole process of the financing management, has a complete operation and management system, optimizes the efficiency of the financing lease company for developing the business and management, meets the individual requirements of customers, can realize the quick development of the business through the configuration of functions and services without the development of non-responsible responsibility, provides an advanced integrated solution of financing lease and Internet, comprehensively realizes the online, scene, datamation and intellectualization of the whole financing lease link, reduces the admission threshold of the industry, and ensures that the financing lease management interactive system is more authentic and scientific.
It will be evident to those skilled in the art that the invention is not limited to the details of the foregoing illustrative embodiments, and that the present invention may be embodied in other specific forms without departing from the spirit or essential attributes thereof. The present embodiments are therefore to be considered in all respects as illustrative and not restrictive, the scope of the invention being indicated by the appended claims rather than by the foregoing description, and all changes which come within the meaning and range of equivalency of the claims are therefore intended to be embraced therein. Any reference sign in a claim should not be construed as limiting the claim concerned.
Furthermore, it should be understood that although the present description refers to embodiments, not every embodiment may contain only a single embodiment, and such description is for clarity only, and those skilled in the art should integrate the description, and the embodiments may be combined as appropriate to form other embodiments understood by those skilled in the art.

Claims (6)

1. A financing lease management interactive system is characterized by comprising a setting center, an operation management center, a business management center, a financial management center and an asset management center;
the setting center is used for basic setting of the system;
the operation management center helps users to realize service configuration before service development;
the business management center is used for the development of personal and enterprise army leasing business;
the financial center may be used to conduct management of financial accounting and placement of funds;
the asset management center can assist a user in achieving full lifecycle management of assets.
2. The financing lease management interaction system as claimed in claim 1, wherein the setting center comprises a setting block, an accounting block, a workflow block, and a parameter block.
3. The financing lease management interaction system as claimed in claim 1, wherein the operation management center comprises an enterprise library block, a product library block, a repayment account block and a contract library block.
4. The financing lease management interaction system as claimed in claim 1, wherein the service management center comprises a subcontracting service block, a retail service block, and a supply chain financial service block.
5. The financing lease management interaction system as claimed in claim 1, wherein the financial management center comprises a deposit management block, a service fee management block, a fund release block, a customer repayment block, and a business accounting block.
6. The financing lease management interaction system as claimed in claim 1, wherein the asset management center comprises an asset pool block, a post-loan management block, and a reporting block.
CN202010632204.2A 2020-07-02 2020-07-02 Financing lease management interaction system Pending CN113888157A (en)

Priority Applications (1)

Application Number Priority Date Filing Date Title
CN202010632204.2A CN113888157A (en) 2020-07-02 2020-07-02 Financing lease management interaction system

Applications Claiming Priority (1)

Application Number Priority Date Filing Date Title
CN202010632204.2A CN113888157A (en) 2020-07-02 2020-07-02 Financing lease management interaction system

Publications (1)

Publication Number Publication Date
CN113888157A true CN113888157A (en) 2022-01-04

Family

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Family Applications (1)

Application Number Title Priority Date Filing Date
CN202010632204.2A Pending CN113888157A (en) 2020-07-02 2020-07-02 Financing lease management interaction system

Country Status (1)

Country Link
CN (1) CN113888157A (en)

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