CN115526721A

CN115526721A - Method, device, medium and computer program product for automatically checking dynamic limit

Info

Publication number: CN115526721A
Application number: CN202211202376.1A
Authority: CN
Inventors: 张栋纯; 杨小清; 林艺敏; 严恒峰
Original assignee: China Construction Bank Corp; CCB Finetech Co Ltd
Current assignee: China Construction Bank Corp; CCB Finetech Co Ltd
Priority date: 2022-09-29
Filing date: 2022-09-29
Publication date: 2022-12-27

Abstract

The present application relates to the field of data processing technology. A method, apparatus, medium, and computer program product for automatic dynamic quota verification are provided. The method is used for automatically determining the financing amount of a supplier in the supply chain financing, and comprises the following steps: acquiring transaction data between the enterprise and the supplier from an enterprise side, wherein the transaction data comprises historical transaction data and regularly updated daily transaction data; calculating the service quota of the supplier according to the historical transaction data; calculating the dynamic quota of the supplier according to the daily transaction data; and selecting one from the business quota and the dynamic quota as an approved financing quota. The method and the device can realize dynamic adjustment of the financing amount, and improve the efficiency and the accuracy of calculation of the financing amount.

Description

Method, device, medium and computer program product for automatically checking dynamic limit

Technical Field

The present application relates to the field of data management technologies, and in particular, to a method, an apparatus, a medium, and a computer program product for automatically checking a dynamic quota.

Background

The bank's existing supply chain financing business for a provider is based on the core enterprise's purchase orders and accounts payable from the provider to determine the amount of supply chain financing of upstream providers. In the production process of large core enterprises, the data volume of orders and accounts payable is large, so that a supplier needs to submit a large amount of orders and accounts receivable data each time when a financing request is made, and banks use a large amount of manual examination and check in the process of checking financing amount, so that the examination difficulty is large and the risk is high.

At present, a supplier needs to submit an order and accounts payable data in a bank system, confirm the order and the accounts payable data by a core enterprise after the order and the accounts payable data are submitted, and then check the order and the accounts payable data by bank staff. During this period, the information interaction is inefficient and takes a long time. Moreover, the calculation of the financing amount of each time of the bank is only carried out based on the current financing request, namely, the calculation and the verification are only carried out based on the order and the accounts payable data submitted at the current time, and the available amount of the supplier cannot be dynamically adjusted according to the order and the accounts payable data within a period of time, so the financing amount is not flexible enough, the financing management is not fine enough, and the financing service efficiency is low.

Disclosure of Invention

The application provides a dynamic quota automatic verification method, a device, a medium and a computer program product, which are used for improving the efficiency and the accuracy of financing quota calculation.

In a first aspect, the present application provides a dynamic amount automatic verification method for automatically determining a financing amount of a provider in supply chain financing, including:

acquiring transaction data between the enterprise and the supplier from an enterprise side, wherein the transaction data comprises historical transaction data and regularly updated daily transaction data;

calculating the service quota of the supplier according to the historical transaction data;

calculating the dynamic quota of the supplier according to the daily transaction data;

and selecting one from the business quota and the dynamic quota as an approved financing quota.

In the method, the periodic update frequency is monthly, the historical transaction data includes the transaction data of n consecutive months before the month, and n is greater than or equal to 0.

In the above method, the method for calculating the service quota includes: and multiplying the average monthly payment amount calculated according to the historical transaction data by a corresponding coefficient to serve as the service credit, wherein the coefficient is used for indicating a plurality of indexes of the supplier.

In the above method, the method for calculating the dynamic quota includes:

calculating a coefficient f, wherein the coefficient f is the ratio of monthly accounts receivable to temporarily estimated accounts receivable;

according to the coefficient f, calculating a plurality of possible financing amount by adopting a plurality of formulas from a plurality of angles;

calculating a dynamic quota, comprising: summing the possible financing limit values, and multiplying the sum by the overall risk coefficient of the dynamic limit value to obtain a numerical value which is the dynamic limit value of the current month.

In the above method, the calculating the coefficient f further includes:

calculating the ratio of accounts receivable to temporarily estimated warehoused money per month based on accounts receivable and temporarily estimated warehoused money per month in the historical transaction data;

taking the median of a plurality of the ratios;

and comparing the median with 1, and taking the smaller value of the median and the 1 as a coefficient f.

In the above method, the calculating the plurality of possible financing amount units from a plurality of angles by using a plurality of formulas further includes calculating the following amount units:

amount A1: calculating financing amount according to the amount corresponding to the current-month production plan;

amount A2: temporarily estimating the calculated financing amount of the warehousing money according to the last month;

amount A3: financing amount calculated according to the amount due in the last month;

amount A4: and after the enterprise withdraws money, calculating the financing amount according to the amount corresponding to the next monthly production plan.

In the above method, the selecting one of the service quota and the dynamic quota as an approved financing quota includes: and selecting a smaller amount from the business amount and the dynamic amount as the approved financing amount.

In a second aspect, the present application provides an automatic dynamic quota verifying apparatus, including:

the direct connection access module is connected with an enterprise terminal and used for acquiring transaction data between the enterprise terminal and a supplier terminal, wherein the transaction data comprises historical transaction data and regularly updated daily transaction data;

and the credit accounting module is used for calculating the service credit and the dynamic credit of the supplier according to the historical transaction data and the daily transaction data, and selecting one of the service credit and the dynamic credit as an approved financing credit.

In the above device, the frequency of the periodic update is monthly, and the historical transaction data includes transaction data of n consecutive months before the month, where n is greater than or equal to 0.

In the above apparatus, the direct access module comprises:

the interface adapter is used for receiving the historical transaction data and the daily transaction data from the enterprise terminal, and carrying out decryption and signature verification on the historical transaction data and the daily transaction data;

and the first data storage module is used for storing the transaction data which is decrypted and verified by the interface adapter.

In the above device, the limit accounting module includes:

a calculation parameter configuration module for obtaining parameters relating to the supplier level from the bank credit system;

the service amount calculation module is used for calculating the service amount of the supplier, wherein the service amount calculation method comprises the following steps: multiplying the average monthly payment amount calculated according to the historical transaction data by a corresponding coefficient to serve as the service amount, wherein the coefficient is used for indicating a plurality of indexes of the supplier;

the dynamic amount calculating module is used for calculating the dynamic amount of the supplier, wherein the calculating method of the dynamic amount comprises the following steps:

calculating a coefficient f, wherein the coefficient f is the ratio of monthly accounts receivable to temporarily estimated accounts receivable:

In the above apparatus, further comprising:

the timed task configuration module is used for configuring the restarting frequency of the quota accounting module based on the data updating frequency of the enterprise terminal so that the quota accounting module can update the approved financing quota instantly;

and the second data storage module is used for storing the transaction data decrypted by the interface adapter and verified by the signature and the approved financing credit calculated by the credit accounting module.

In the above apparatus, the calculating the coefficient f further includes:

calculating the ratio of accounts receivable to temporarily estimated warehousing funds per month based on accounts receivable and temporarily estimated warehousing funds per month in the historical transaction data;

taking a plurality of median of the ratio;

In the above device, the calculating a plurality of possible financing amount units from a plurality of angles by using a plurality of formulas further comprises calculating the following amount units:

amount A1: calculating financing amount according to the amount corresponding to the current production plan;

In the above apparatus, the selecting one of the service quota and the dynamic quota as an approved financing quota includes: and selecting a smaller amount from the business amount and the dynamic amount as the approved financing amount.

In a third aspect, the present application further provides an electronic device, including: a processor, and a memory communicatively coupled to the processor; the memory stores computer-executable instructions; the processor executes the computer-executable instructions stored by the memory to implement the system described above.

In a fourth aspect, the present application also provides a computer-readable storage medium having stored thereon computer-executable instructions for implementing the above-mentioned system when executed by a processor.

In a fifth aspect, the present application also provides a computer program product comprising a computer program which, when executed by a processor, implements the system described above.

Compared with the prior art, firstly, the method and the system directly acquire the transaction data between the enterprise and the supplier through the data exchange interface between the bank system and the enterprise, reduce the links of the supplier for requesting and submitting materials, correspondingly reduce the links of manual examination and verification, and simplify the steps of credit line approval.

Secondly, by means of respective investigation of historical transaction data and daily transaction data, the financing amount which can be provided for a supplier is calculated for multiple times by multiple methods from multiple angles, and then a smaller amount is selected as a finally approved financing amount, so that the obtained financing amount contains consideration of multiple dimensions of repayment capacity of the supplier, and the obtained financing amount is more reliable.

In addition, the latest data of the current month and the historical data of a plurality of months before the current month can be conveniently acquired through data exchange between the bank and the enterprise, and then automatic calculation and processing are carried out, so that the financing amount can be comprehensively calculated based on the transaction data of the latest stage, and not only the calculation can be carried out on the transaction data provided by the supplier only once like the prior art. That is to say, this application can realize the dynamic adjustment to the financing amount, improves the efficiency and the precision of financing amount calculation.

Drawings

The accompanying drawings, which are incorporated in and constitute a part of this specification, illustrate embodiments consistent with the present application and together with the description, serve to explain the principles of the application.

FIG. 1 is a diagram of a prior art relationship for a supplier requesting financing;

FIG. 2 is a network topology corresponding to the relationship diagram shown in FIG. 1;

FIG. 3 is a relational diagram of a vendor request for financing according to some embodiments of the present application;

FIG. 4 is a network topology corresponding to the relationship diagram shown in FIG. 3;

FIG. 5 is a flowchart illustrating a method for automatically verifying dynamic quota according to some embodiments of the present application;

FIG. 6 is a block diagram of an apparatus for automatically verifying dynamic quota according to some embodiments of the present application;

FIG. 7 is an internal block diagram of the direct access module shown in FIG. 6;

FIG. 8 is a block diagram showing the inside of the credit calculation module shown in FIG. 6;

fig. 9 is a hardware architecture diagram of an electronic device according to some embodiments of the present application.

Specific embodiments of the present application have been shown by way of example in the drawings and will be described in more detail below. The drawings and written description are not intended to limit the scope of the inventive concepts in any manner, but rather to illustrate the concepts of the application by those skilled in the art with reference to specific embodiments.

Detailed Description

The following description is given by way of example of the present invention and other advantages and features of the present invention will become apparent to those skilled in the art from the following detailed description. While the invention will be described in conjunction with the preferred embodiments, it is not intended that features of the invention be limited to these embodiments. On the contrary, the invention has been described in connection with the embodiments for the purpose of covering alternatives or modifications as may be extended based on the claims of the invention. In the following description, numerous specific details are set forth in order to provide a thorough understanding of the present invention. The invention may be practiced without these particulars. Moreover, some of the specific details have been omitted from the description in order not to obscure or obscure the focus of the present invention. It should be noted that the embodiments and features of the embodiments may be combined with each other without conflict.

It should be noted that in this specification, like reference numerals and letters refer to like items in the following drawings, and thus, once an item is defined in one drawing, it is not necessary to further define and explain it in the following drawings, and the same definition is defaulted.

It should also be noted that, in the present invention, the numbering of the method and the flow is for the convenience of reference, and the sequence is not limited, and if there is a sequence between the steps, the text description is used as the standard.

Interpretation of terms:

quota: the bank gives the total amount of funds available.

Supply chain financing: the method is a financing mode for making an overall financial solution based on the right of delivery and cash flow control according to the transaction relationship and the industry characteristics of enterprises in a supply chain by taking a core enterprise and related upstream and downstream supporting enterprises in the supply chain as a whole. The supply chain financing solves the problems of difficult financing and difficult guarantee of upstream and downstream enterprises, and by getting through the bottleneck of upstream and downstream financing, the supply chain financing cost can be reduced, and the competitiveness of core enterprises and supporting enterprises is improved.

The technical scheme disclosed by each embodiment of the application conforms to relevant regulations of national laws and regulations in terms of data acquisition, storage, use, processing and the like.

The invention mainly aims to directly acquire transaction data between an enterprise and a supplier through a data interface between the bank and the enterprise and acquire continuous multi-month historical data, so that a financing amount capable of being issued to a certain supplier is comprehensively determined based on the historical data with large data volume and the latest data of the current month (or the current time, and correspondingly, the historical data is the transaction data of a plurality of previous times).

FIG. 1 is a diagram illustrating a prior art relationship between a supplier's request for financing. As described in the background section, in the prior art, when a supplier 11 needs to request financing loans from a bank 13, the request can only be based on an order. The supplier 11 needs to submit an order to the bank 13 and information relating to the order, such as the amount of the transaction to which the order relates, and this information needs to be confirmed by a third party, i.e. the enterprise 12, with which the supplier 11 has entered into a contract before the bank 13 starts accounting and auditing the financing amounts. Since the bank 13 checks the order and the information related to the order manually in many cases, the time required from the delivery of the request to the acquisition of the financing credit is excessively long for the supplier 11.

Fig. 2 shows a diagram of a network topology required for completing the auditing process shown in fig. 1, corresponding to the relationship diagram shown in fig. 1.

The supplier 11 may issue a request to the bank side 202 of the bank 13 through the supplier side 201. The supplier terminal 201 submits a financing application to the bank terminal 202, and uploads an order which is signed by the enterprise 12 (typically a core enterprise) and the supplier 11, wherein the order at least needs to include accounts payable information. The bank terminal 202 requests the enterprise 12 to confirm through the enterprise terminal 203 about the order information and the like contained in the received request, and after the enterprise 12 confirms that the order information is real and valid through the enterprise terminal 203, the bank terminal 202 can start programs such as auditing data and approving financing amount. The processes of checking the order and accounts payable invoice submitted by the supplier 11 require manual checking by the staff of the bank 13. After the basic data is approved, the financing amount can be calculated according to the preset financing proportion, and then the basic data is submitted to the bank credit system for approval. The approved financing amount is validated and the supplier 11 may apply for a loan within the approved financing amount.

In the existing developed network technology environment, the supplier side 201 and the bank side 202, and the enterprise side 203 and the bank side 202 may be connected through a network 204, respectively. The supplier side 201, the bank side 202 and the enterprise side 203 may be dedicated software installed on some electronic device, and may be a part of respective enterprise production management system software or an independent application program. The electronic device can be a computer, a server, an intelligent terminal and other electronic devices with different operating systems.

In summary, the system for checking the financing amount of the supplier in supply chain finance by the bank at present needs the bank personnel to manually check a large amount of orders and account data, the checking amount is large, the risk is high, and the defects that the manual operation steps of the system are multiple, the one-time amount checking only applies for one time (one order), the bank lacks accurate control on the financing amount of the supplier, and the like exist.

Claims

1. An automatic dynamic limit verification method for automatically determining the financing limit of a supplier in the supply chain financing is characterized by comprising the following steps:

2. The method of claim 1, wherein the periodic update is performed at a frequency of each month, and wherein the historical transactional data includes n consecutive months prior to the month, n ≧ 0.

3. The method as claimed in claim 1 or 2, wherein the method for calculating the service quota comprises: and multiplying the average monthly payment amount calculated according to the historical transaction data by a corresponding coefficient to serve as the service amount, wherein the coefficient is used for indicating a plurality of indexes of the supplier.

4. The method of claim 1 or 2, wherein the method for calculating the dynamic quota comprises:

calculating a coefficient f, wherein the coefficient f is the ratio of accounts to be collected every month to temporarily estimated accounts;

calculating a dynamic quota, comprising: and summing the possible financing limit values, and multiplying the sum by the total risk coefficient of the dynamic limit value to obtain a numerical value which is the dynamic limit value of the current month.

5. The method of claim 4, wherein the calculating the coefficient f further comprises:

taking a plurality of median of the ratio;

6. The method of claim 4, wherein calculating a plurality of potential financing credits from a plurality of angles using a plurality of formulas further comprises calculating the following credits:

amount A3: a financing amount calculated based on the amount due in the previous month;

7. The method of claim 1, wherein said selecting one of said business value units and said dynamic value units as an approved financing value unit comprises: and selecting a smaller amount from the business amount and the dynamic amount as the approved financing amount.

8. An automatic dynamic limit verifying device applied to a bank credit system for automatically determining a financing limit for a supplier, the device is characterized by comprising:

9. The apparatus of claim 8, wherein the periodic update is frequent every month and the historical transaction data includes transaction data for n consecutive months prior to the month, n ≧ 0.

10. The apparatus of claim 8 or 9, wherein the direct access module comprises:

the interface adapter is used for receiving the historical transaction data and the daily transaction data from the enterprise terminal, and carrying out operations of decryption and signature verification on the historical transaction data and the daily transaction data;

11. The apparatus of claim 8 or 9, wherein the credit accounting module comprises:

the dynamic quota calculating module is used for calculating the dynamic quota of the supplier, wherein the calculating method of the dynamic quota comprises the following steps:

12. The apparatus of claim 8, further comprising:

and the second data storage module is used for storing the transaction data decrypted by the interface adapter and verified by signature, and the approved financing amount calculated by the amount accounting module.

13. The apparatus of claim 11, wherein the calculating the coefficient f further comprises:

taking a plurality of median of the ratio;

14. The apparatus of claim 11, wherein the calculating a plurality of potential financing credits using a plurality of formulas from a plurality of angles further comprises calculating the following credits:

amount A4: and after the enterprise returns money, calculating the financing amount according to the amount corresponding to the next month production plan.

15. The apparatus of claim 8, wherein said selecting one of said business value units and said dynamic value units as an approved financing value unit comprises: and selecting a smaller amount from the business amount and the dynamic amount as the approved financing amount.

16. An electronic device, comprising: a processor, and a memory communicatively coupled to the processor;

the memory stores computer-executable instructions;

the processor executes computer-executable instructions stored by the memory to implement the method of any of claims 1-7.

17. A computer-readable storage medium having computer-executable instructions stored therein, which when executed by a processor, are configured to implement the method of any one of claims 1-7.

18. A computer program product, characterized in that it comprises a computer program which, when being executed by a processor, carries out the method of any one of claims 1-7.