CN202025359U - Credit island service system and server group based thereon and used for enterprise financing - Google Patents
Credit island service system and server group based thereon and used for enterprise financing Download PDFInfo
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Abstract
The utility model provides a credit island service system which is characterized in that a virtual acquaintance society community is established through the internet, all individuals related to credit are integrated into an environment and can share information through various software tools so as to increase familiarity degree, solve the problem of information symmetry, and be supervised by various external main bodies, therefore, the system aims at establishing a credit environment so as to carry out the mechanism of credit award and penalty of breaking faith. The credit island service system has the beneficial effects of fundamentally solving the problem of lack of credit. Based on the effect, the utility model also provides a server group based on the credit island service system and used for enterprises financing, which also can solve the problem of lack of enterprise credit of finance organization.
Description
Technical field
The utility model relates to a kind of credit island service system and based on the group of server that is used for Corporate finance of this system, belongs to financial services technology field.
Background technology
Under market economy environment, main will the have of concluding the business:
● transaction agent: the individual or the enterprise that are engaged in the marketing behavior;
● product: the seller offers the buyer's goods or service;
● trading activity: the act of purchase and sale at product takes place between the transaction agent.
Above-mentioned key element just can constitute a transaction space under the prerequisite of setting, transaction space essence also is a market environment.
Be relatively easily to realize the credit environment under the transaction space of a sealing, its core is, when transaction agent is confined to a limited intra-zone, the product of buying and selling between the transaction agent is also produced by the one's respective area simultaneously, the trading activity meeting drops on intra-zone like this, its situation of honouring an agreement also is easy at zone formation record vestige, this record vestige may be an electronic information, it also may be a kind of public praise, so the record of honouring an agreement of trading activity just can become the foundation that trading activity takes place once again easily, so formed a kind of credit supervision mechanism, this is exactly so-called tradition " acquaintance society " in fact.In fact, traditional acquaintance society can realize the credit environment relatively simply.
In traditional acquaintance society, in fact the formation of credit system depend on a transaction space, and when transaction space relative closure, transaction agent information each other is symmetry often, and you understand me, and I also understand you, and credit system also forms easily.In the past, this transaction space may be geographical space (for example a village, a city), perhaps an industry.
Expanding economy caused the space of transaction to be expanded greatly, produced cross-region, inter-trade trading activity, and Modern Market Economy is actual like this is to be based upon on the basis of " stranger society ".So " stranger society " when bringing chance to us, reality has also been brought the problem of credit disappearance.Because the strange property between the transaction agent has caused the generation of information asymmetry between the transaction agent, the generation of information asymmetry meeting event of default; Simultaneously because the unlimitedness in space has caused the weakening of bad-credit punishment mechanism again.So credit problems has also just become problem demanding prompt solution in our economic life today.
The utility model content
The purpose of this utility model provides a kind of credit island service system, makes it can solve the problem of credit disappearance under a cheaper cost.
The purpose of this utility model is achieved through the following technical solutions:
A kind of credit island service system, comprise client, server farm, external system, described client and server farm are connected by the internet or based on the VPN of internet, described server farm and external system are by VPN or private line access, realize communication by interface routine by Transmission Control Protocol, described server farm comprises: connect by data line
Be used to build one's credit Credit Community's management server of community,
Be used to store, manage the service application service device of every credit related service,
Be used for every credit related service with the service application service device and be published to application deployment server in Credit Community's management server,
The central database that is used for the centralized stores server data;
And be directed to the different-format between external system and the server farm, the data of different content are carried out integrated data integration server,
Described data integration server arrives external system by VPN or private line access, and is connected with described Credit Community management server, service application service device, application deployment server, central database by data bus,
Described Credit Community management server, service application service device, application deployment server all are connected with described central database by a data bus.
Described service application service utensil has the data line of corresponding function to link to each other with corresponding service application deployment server interface.
A kind of group of server that is used for Corporate finance based on above-mentioned credit island service system, described service application service device is the financial business server, described financial business server comprises the combination in any of following any one or a plurality of processors:
A) company information is reported and submitted processor, is used to finish at the data acquisition of enterprise and the function of declaring;
B) reference processor is used to finish the function that enterprise's reference report is made and managed;
C) credit appraisal and analysis processor are used on the company information basis, and finish and analyze various credit indexs, and the function of carrying out credit appraisal according to the credit model of financial institution's exploitation;
D) credit job processor is used to finish functions such as credit line application, credit line management, credit contract making, the management of making loans;
E) credit asset management server is used to finish functions such as the accounts receivable management of loan back, compensatory management, follow-up investigation information registering;
F) financial product management processor is used to finish functions such as financial institution's Product Information Management, product information comparison, product customization;
G) customer relation management processor is used to finish functions such as customer information maintenance, client tracking, Customer Requirement Management;
H) information communication processor is used to finish between client and the client, the exchange of information communication function between client and the financial institution, between financial institution and the financial institution, comprises instant messaging, forum, blog, microblogging;
I) mechanism and user management processor are connected with described central database by data bus, are used to realize variously use relevant business unit, financial institution unit, the mechanism information of unit of operation and the maintenance function of user profile with credit island.
Further, the financial product management processor is connected with central database with described Credit Community management server by data bus, in order to realize the issuing function of financial product.
Further, described Credit Community management server is connected with the information communication processor with the financial product management processor by data bus, in order to realize confirming between the user function of cooperation purpose.
Further, described Credit Community management server is connected with reference processor, evaluation processor, credit effect processor by data bus, in order to realize the bidding function of financial business.
Further, described Credit Community management server reports and submits processor to be connected by data bus with credit asset management server, company information, in order to realize the credit monitoring function.
Further, company information reports and submits processor to be connected with central database with described Credit Community management server by data bus, reports and submits function in order to realize company information.
Further, described client comprises enterprise customer's client, financial institution's subscription client, credit island service system operation organization user client.
Further, described external system comprises government unit's database and financial service unit's Service Database.
The beneficial effects of the utility model are embodied in: utilize present infotech means, rebuild transaction space traditional, sealing, it is credit island service system of the present utility model, in this credit island service system, realize the symmetry of information, finish credit excitation and bad-credit punishment mechanism, fundamentally solved the problem of credit disappearance.The utility model also provides a server farm, is used to solve the Corporate finance demand.
Description of drawings
The utility model is described in further detail below in conjunction with accompanying drawing:
Fig. 1: the basic framework synoptic diagram of the utility model credit island service system.
Fig. 2: based on the basic framework synoptic diagram of the group of server that is used for corporate finance service of the utility model credit island service system.
Fig. 3: based on the groundwork schematic flow sheet of the group of server that is used for corporate finance service of the utility model credit island service system.
Fig. 4: the credit island initialization schematic flow sheet of the utility model credit island service system.
Fig. 5: the Credit Community of the utility model credit island service system sets up schematic flow sheet.
Fig. 6: the financial product issue schematic flow sheet of the utility model credit island service system.
Fig. 7: the credit island domestic consumer register flow path synoptic diagram of the utility model credit island service system.
Fig. 8: the credit island enterprise authenticated activation process synoptic diagram of the utility model credit island service system.
Fig. 9: the user adds the schematic flow sheet of community in the financial service flow process of the utility model credit island service system.
Figure 10: the user determines the schematic flow sheet of cooperation purpose in the financial service flow process of the utility model credit island service system.
Figure 11: the user is bid to host the schematic flow sheet of financial product in the financial service flow process of the utility model credit island service system.
Figure 12: monitoring management schematic flow sheet after the loan of the utility model credit island service system.
Figure 13: the blacklist management flow synoptic diagram of the utility model credit island service system.
Figure 14: the company information of the utility model credit island service system is reported and submitted schematic flow sheet.
Embodiment
The utility model will solve the credit system problem under a cheaper cost, utilize present infotech means exactly, rebuild transaction space traditional, sealing, in the transaction space, realize the symmetry of information, finish credit excitation and bad-credit punishment mechanism.
If with urban area, all types of industries exploitation garden etc. is unit, pass through technological means, the feature of network and region is combined, set up a kind of environment of relative closure, in some special business transaction scope, at certain transaction agent, can form " acquaintance society " environment, improve the credit level of transaction agent, reduce the penalty cost of transaction, the control credit risk realizes the credit environment.This transaction space based on acquaintance society, we are referred to as " credit island ", and according to the difference of area type, we can produce various forms such as " city credit island ", " garden credit island ".
Thus, extend, actual based on the financial business of medium-sized and small enterprises provide financing services and consumer credit business is the feature with above-mentioned region closure.Medium-sized and small enterprises provide financing services for example, generally speaking, the transaction agent that it is professional, comprise that credit side and trusted parties often all come from same region, and the generation of trading activity finishes in this locality also, so, with regard to the medium-sized and small enterprises provide financing services, the transaction space is relative closure in fact, and the trading activity between the transaction agent can be monitored and tracking, and we can advise credit system easily on this basis.Therefore, under the pattern of credit island, our actual acquaintance society that can set up about the medium-sized and small enterprises provide financing services reduces and the managerial credit risk effectively, thereby establishes technical basis for the development of medium-sized and small enterprises provide financing services.
As shown in Figure 1, credit island service system (hereinafter to be referred as the credit island system) is made of three unit such as client, server zone group system, external systems.Wherein, client is the interface system that the user uses the credit island system, generally adopts PC, and operation windows operating system adopts browser, by Http protocol access server zone group system.Server farm is the core component of software systems.External system is the application system of units such as each financial institution outside the credit island operation centre and government organs, with the credit island system exchanges data relation is arranged.
On network environment, client and server farm are connected by the internet or based on the VPN of internet, and server farm and external system realize communication by special interface routine by Transmission Control Protocol by VPN or private line access.
Client, server farm and external system are the elementary cells of system, and each internal system is made of a plurality of processors, hereinafter will describe in detail.
Following with reference to accompanying drawing with the corporate finance service is example Benq in the concrete workflow of the server that is used for Corporate finance of the utility model credit island service system.
Fig. 2 is the framework of credit island system, and main server unit has: client end processor, Credit Community's management server, application deployment server, data bus, data integration server, central database, financial product management processor, provide financing services job processor, mechanism and user management processor, company information are reported and submitted processor, credit analysis processor, information communication processor etc.
Wherein, data bus is an independently data exchange channel, can finish the data transmission between each server of system and the processor, ensures the concertedness of each devices work.
Secondly, financial product management processor, financing job processor, mechanism and user management processor, company information report and submit processor, credit analysis processor, information communication processor etc. to constitute complete financial business server, link to each other with other server by data bus.
In addition, comprise two types in the external system, a kind of is financial institutions databases, and a kind of is government organs' databases.External system realizes communicating by letter with the credit island system by the data integration server, and the data integration server is connected with central database with other server of system by data bus.
To the particular content of each server and system, describe in detail one by one below us.
(1) client
Client is the interface of user's using system, uses windows operating system, adopts browser to connect with background server by the http agreement, but dissimilar clients difference to some extent on physical network is selected.Divide according to the crowd who uses, client comprises such several types:
A) enterprise customer's client
Be the client that the loan application people uses, adopt the internet to be connected with server farm on the physical network, such purpose is farthest to hold medium-sized and small enterprises customers.
B) financial institution's subscription client
Promptly loan waits the employed client of financial product provider, both can be on the physical network by the internet, also can be connected with server farm by VPN, such design mainly considers for security purpose, need be connected with server farm by VPN for the partial function of financial institution.
C) operation organization user client
Be the employed client of credit island system operating organization, can be on the physical network from VPN access server group, to improve safety of data transmission.
(2) Credit Community's management server
The Credit Community is that the basic service of financial institution services is organized the unit, just our a kind of virtual acquaintance society that will form.Established one in Credit Community's management server and can define the workbench of realizing community's function by simple parameter, simultaneously the Credit Community also is the unified portal interface of communication exchange on the line of enterprise customer and financial institution.The person of service organization of financial institution can set up community easily by book server, the corporate client of paying close attention to this mechanism financial service product is gathered in the community, set up interactive relationship, understand mutually, the credit of grasping enterprise is dynamic, and forming a relative closure, while is again virtual acquaintance's social environment of relative information symmetry.
Credit Community's management server can also provide an integrated portal interface for every application function of financial service application group, and the user can know own needed software function in community, and uses these functions.
(3) application deployment server
Credit Community's management server has been created a community platform, can set up the virtual acquaintance society of corporate client, and the various service of goods functions that financial institution can provide the client, then be to realize by each processor that golden business is melted in the server, the function of these processors need be published on the community platform, allow the user can use these functions, we have invented the application deployment server again like this.
Comprise in the application deployment server that the foreground is disposed, the backstage is disposed and these three treating apparatus of data manipulation.The front-end functionality of credit island system is disposed treating apparatus by the foreground exactly and is distributed in Credit Community's management server; Its background function is distributed on the application deployment server by backstage deployment process device.
(4) financial business server
In system, the financial business server has comprised more such processors:
A) company information is reported and submitted processor: finish at the data acquisition of enterprise and the function of declaring.
B) reference processor: finish the function that enterprise's reference report is made and managed.
C) credit appraisal and analysis processor: on the company information basis, finish and analyze various credit indexs, and the function of carrying out credit appraisal according to the credit model of financial institution's exploitation.
D) credit job processor: finish functions such as credit line application, credit line management, credit contract making, the management of making loans.
E) credit asset management server: finish functions such as borrowing back accounts receivable management, compensatory management, follow-up investigation information registering.
F) financial product management processor is finished functions such as financial institution's Product Information Management, product information comparison, product customization.
G) customer relation management processor: finish functions such as customer information maintenance, client tracking, Customer Requirement Management.
H) information communication processor: finish between client and the client, the exchange of information communication function between client and the financial institution, between financial institution and the financial institution, comprise instant messaging, forum, blog, microblogging.
I) mechanism and user management processor: realize various business unit, financial institution unit, the mechanism information of unit of operation and the maintenance functions of user profile relevant with the use of credit island system.
In the utility model, the financial business server is can be according to the requirement of business extensible processor at any time.
(5) data bus
Data bus technology is the gordian technique on a basis of system, and it is based upon on the basis of the information transmission between each server, is independent of any communication modes and type of message, can guarantee the data consistency between each server of platform.
The application of data bus technology makes system have the extensibility of general specification, allow new product customized development flexibly, can increase new financial product, self-defined business transaction flow process, customization foreground transaction interface, definition transaction message form etc. easily, even can carry out the customization of business statistics form easily, make the development of platform reduce to minimum.
(6) data integration server
The data integration server then is aimed at the treating apparatus of the data integration of different-format between external system and the built-in system, different content, requirement can be according to the demand of financial business, the data that come from different system, according to certain business rule, integrate, form a data, store in the database by data bus then at the business standing situation.
The data integration server can be deployed on the front server separately.
(7) central database system
This is the data center of credit island system, business datum that each server produces and the external data by the data integration collection of server all can centralized stores in central database, the complete financial credit data acquisition of formation To enterprises.
(8) external system
A) government organs' database
The Service Database of government unit oneself is deposited the public information of various enterprises.In the utility model, government unit's database refers to that specially those and central database system set up the exchanges data relational database, are defined as the administration for industry and commerce's database, quality testing department database.
B) financial institutions databases
The Service Database of each financial institution oneself is deposited the data that precipitate in all kinds of professional establishment processes of financial institution.In the utility model, financial service unit's Service Database refers to that specially those are connected, form simultaneously an example of exchanges data relation with central database.
Simply introduce the workflow of carrying out Corporate finance below based on the utility model credit island service system.
As shown in Figure 3, the operation of credit island system can be divided into several like this flow processs substantially and implements: the credit island initialization with safeguard that flow process, domestic consumer's register flow path, authenticated register flow path, Credit Community set up flow process, financial product issue flow process, financial service general flow, borrow back monitoring management flow process, company information is reported and submitted flow process, blacklist management process.
Specifically describe each workflow below one by one.
(1) the credit island initialization with safeguard flow process
The groundwork of the initialization flow process of credit island is " building the island ", that is to say and to set up a company information set, be equivalent to an information island, why quote this title on " island ", be because will give prominence to the closed in transaction space, from information viewpoint, be exactly the border that has an information agent in fact.We are based on such information island, form the transaction space of a sealing, and the business contact between all transaction agents all is based on this transaction space.The primary data of credit island comes from government organs' database, on this island, pass through the credit situation of transaction agent (enterprise just) in the business transaction process of monitoring trading interior volume on the one hand, the credit grade of timely tracking evaluation enterprise, instruct financial institution that enterprise is carried out credit based on this, finish fiduciary loan business enterprise; Then be in this transaction space, to manage various loan transaction information easily on the other hand, ensure the security of loan transaction.
As shown in Figure 4, the initialized idiographic flow of credit island is:
A) the credit island initialization is finished by the data integration server, on government organs' database server, also the data acquisition interface program will be set in addition.
B) the data acquisition interface program is and the application programming interfaces of outside government organs database, and interface can realize that interface is usually according on government organs' server by the plug-in unit mode.The data integration server provides interface exploitation standard and process template, can realize being connected of data integration server and government unit's database by simple program development.
C) data acquisition interface program and data integration server carry out communication by Transmission Control Protocol, and network can be implemented by special line or VPN.
D) government organs' data of database is at first exported as by the good by appointment standard format of data acquisition interface program and reports and submits data file, sends to data integration server-centric end by network according to Transmission Control Protocol then.
E) the data integration server carries out pre-service for the data file of accepting of reporting and submitting, according to predefined data integration rule the business data of each unit is carried out integration processing, comprise data merging, invalid record rejecting, format conversion etc., the specified data file enters the data record set of central database, produces importing data film.
F) finish pre-service after, the data integration server is carried out the importing program, and importing data film is sent to data bus, data bus in central database, is finished initial work to data importing.
After initialization is finished, the credit island system can obtain basic medium-sized and small enterprises set, produce the transaction space, form a virtual information island, the lending business of financial institution can only take place in the scope on this virtual information island, that is to say, financial institution can only for the outside enterprise of set, then need the authentication formality of being correlated with the inner client who selects oneself of this enterprise's set, become a member of set again, could produce business contact with financial institution.
Credit island maintenance of information flow process is aimed at new registration enterprise or nullifies enterprise, and government organs want regularly and the credit island system carries out data sync, guarantees that the enterprise's set on the credit island is up-to-date information, and its treatment scheme is identical with credit island initialization flow process.
(2) Credit Community sets up flow process
The Credit Community is elementary organization's pattern of financial service, comes realization information symmetry by setting up virtual acquaintance society, sets up a perfect relatively credit environment.
As shown in Figure 5, the foundation of Credit Community comprises several steps:
A) financial institution and credit island enterprise operation center are signed cooperation agreement, and after the credit island enterprise operation center carried out qualification certification, signing financial institution was the cooperation object.
B) administrator of enterprise operation center is connected to organization user's management processor of credit island system by client, for financial institution sets up basic archives, and offers the user.
C) data send to data bus, and data bus calls DBAR database access routine data are existed in the central database.
D) user of financial institution sets up the community of oneself by client in Credit Community's management server, and the title of community can be determined voluntarily by the user.After community set up, Credit Community's management server can increase a community information record in central database.
E) data send to data bus, and data bus calls DBAR database access routine data are existed in the central database.
All there is the owner of community in the community that each financial institution sets up, and the owner of community is specified voluntarily by financial institution, generally is exactly the user who sets up community, also can be other user of financial institution's appointment.
(3) financial product issue flow process
Financial product is to be issued in the Credit Community by the user of financial institution.
As shown in Figure 6, concrete steps are:
A) user of financial institution starts the financial product management processor by client in the Credit Community, the user can embody the financial product that this mechanism need issue as requested in this function, generally comprise name of product, loan interest rate, debt-credit condition etc., after finishing, by data bus with data storage in central database.
B) after the enterprise customer enters community, can inquire about and compare the financial product of each financial institution by the financial product management processor.
This flow process is characterised in that, in the general e-commerce system, product is by externally issue of Content Management System, and native system then is by release product in the community, make product marketing under the environment of an information transparency, to finish, promoted the public trust and the customer's approval degree of product.
(4) the free register flow path of domestic consumer of enterprise
The enterprise customer uses the credit island system that two kinds of patterns are arranged, and a kind of is free registration mode, becomes the domestic consumer of credit island system, also having a kind of is enable mode, keeper by credit island operation mechanism carries out activation manipulation, and setting operation person ID becomes the authenticated of credit island.The characteristics of domestic consumer are easy to operate, anyly can become credit island domestic consumer by the enterprise of internet access credit island system.But, the domestic consumer of enterprise under free logon mode, it is not owing to there being this business operation link of authentication, so be lower than authenticated from credit grade.
As shown in Figure 7, the free register flow path of domestic consumer is:
A) operator of enterprise logins credit island system, access mechanism and user management processor by client browser by the internet;
B) operator fills in enterprise's data and operator's oneself user information data, submits to the server farm of credit island system to handle;
C) server farm is accepted the data that client is submitted to by mechanism and user management processor, title according to enterprise is searched from central database again, if enterprise record exists, then stamp the sign of " domestic consumer " for this enterprise, and in database recording operation person ID; If this enterprise does not exist, then directly set up the record of this enterprise at lane database, simultaneously this enterprise of position stamps " domestic consumer " and two signs such as " enterprises outside the island ", illustrates that enterprise's main body is outside the credit island, is that what to offer is domestic consumer simultaneously;
D) after the result returned client, the operator can be according to own user ID and cryptographic acess credit island system.
(5) activation process of enterprise's authenticated
After the credit island initialization, the essential information data of large quantities of enterprises that have been equivalent to system acquisition, formed enterprise's main body set, but, these enterprises can't become the formal user of credit island system, must sign a cooperation agreement by enterprise and credit island operating organization, through a verification process, just can bring into use every software function of credit island, this works, and we are referred to as enterprise's activation process.After enterprise activates, can set up the operating operation person of the inside of enterprise on their own, user just, thus can carry out the operation of credit island system.
For enterprise, if do not activate by the credit island operating organization, then it also can use the credit island system by the mode of freely registering, but the credit grade of enterprise will be lower than the state after the activation, and the part software function can not be used.
As shown in Figure 8, the activation process of enterprise's authenticated:
A) enterprise and operating organization are signed cooperation agreement, and enterprise's record is stored in the central database by the credit island initialization in advance, and the keeper need inquire about and confirm in advance.
B) the operation organization administrator is by the client-access server farm, in mechanism and subscriber information management processor, essential information according to data check enterprises such as the industrial and commercial certificate of enterprise name or enterprise, organization mechanism codes: if there is no, illustrate that enterprise does not include enterprise's main body set of credit island in, can not carry out activation manipulation; If exist, then can stamp activation tagging, activate enterprise.Then require to adopt the free registration mode of domestic consumer for the unit that does not have enterprise's record.
C) after the activation enterprise, in the enterprise information management processor, add enterprise customer's information, the user that requires according to enterprise can be several, an enterprise can have 5 users at most, and user's password is the universal code of presetting, and can revise password voluntarily after enterprise takes.
D) activate finish after, the enterprise customer can input user name on enterprise client, password lands credit island community processor, enters the Credit Community of own needs, obtains every financial service.
(6) financial service general flow
Financial service is that financial institution offers the client by community's mode, for the enterprise that will obtain to finance, need select the Credit Community in the credit island system, in community, contact with financial institution, understand financial institution and relevant product information, the each side problem of inquiry financial product, and by with the communication of financial institution, finally determine the purpose of loan application.In this process, enterprise also need be in the scope of community, observe community's discipline that financial institution determines, for example report and submit the needed credit data of financial institution, can in time understand the credit standing of enterprise to help financial institution, follow the tracks of the operating position of loan, lay the first stone for further obtaining financial institution's credit service.So the financial product service is an integrated service flow process, concrete implementation step is:
A) add community, as shown in Figure 9,
The user connects the credit island system by client, enters the Credit Community;
The user browses Credit Community's inventory, determines that the back application adds certain community;
Behind user's fill data, submit to source book to central database;
The record of central database calls in financial institution in the community service processor, examination user's application information, and after determining, the enterprise customer can enter the interface, Credit Community of financial institution.
B) determine the cooperation purpose, as shown in figure 10,
On the interface, Credit Community, the interface that can provide the financial product information management to handle device, enterprise can be according to oneself demand, and startup financial product information searching function is browsed and is compared financial product;
For the financial product that the cooperation purpose is arranged, the user can directly be enabled in and enter the information communication processor on the community interface, and the information communication processor comprises instruments such as online instant tool of communications, community forum, financing blog; The enterprise customer can also be by the information communication processor understanding cognition and the exploitation of other user to financial product service, or link up with other enterprise customer.
C) business is applied for and is handled
The user of financial institution is according to the product purpose of enterprise, can require the business need of enterprise customer according to this product, cooperate together with financial institution and to finish relevant bidding flow process, observe the financial discipline that community requires simultaneously, immediately report and submit management data, keep the information symmetry between financial institution and the enterprise.
So the enterprise customer can finish the Bid Process of financial product by the various Software tools of community's issue, as shown in figure 11, particular content is:
The definite financial product that will handle of enterprise customer, the corporate process of beginning credit applications.
The enterprise customer at first reports and submits the Various types of data of registration enterprise in the processor at company information, comprise financial statement registration, non-financial information registration, simultaneously, the third party credit information service that enterprise is assert by financial institution provides the reference report of enterprise, and reports and submits the reference report processor to upload to the credit island system by company information.
Financial institution can pass through enterprise's reference processor, and the data of existing data and each third party system in the data of reporting and submitting in conjunction with enterprise, the credit island central database is provided enterprise's reference report.
Various types of data that the credit island system reports and submits at enterprise and third party are reported in the credit diagnosis and evaluation processor and analyze automatically and handle.By handling, the validity of can verification enterprise reporting and submitting data, data and these data of reporting and submitting of enterprise that while has accumulated according to the credit island system, enterprise is carried out the credit diagnosis, carry out credit scoring, the preliminary credit grade of determining enterprise determines whether and will make loans to enterprise, and the accrediting amount of making loans.
For the weakness or the doubtful point part of business standing diagnosis, financial institution can adopt manual type inspection, perhaps requires enterprise's updates, thus the result of correction model.
After determining, financial institution's issue is to the credit result of enterprise, and enterprise can obtain the information of the accrediting amount by credit operation and management processor.
Diagnose underproof enterprise for credit, financial institution stipulates that the loan application of these enterprises is with off the docket, but business standing diagnosis and evaluation processor should return to enterprise's " credit diagnosis report ", and in community, financial institution can online help enterprise understand diagnosis report, and the credit defective of informing enterprise helps enterprise to strengthen credit consciousness, cultivate credit record, for the business of back lays the first stone.
(7) flow process of post-loan management and monitoring
After financial institution finishes credit operation to enterprise, need the management state of real-time monitoring enterprise, the unusual fluctuation of estimating credit changes, and ensures the loan also breath of can in time refunding, and evades the risk of bad accounts.
In traditional credit operation, financial institution is generally by finishing the monitoring to the credit standing of enterprise to follow-up investigation after the loan of enterprise.Under this pattern, need financial institution to arrange special personnel to finish to the doorstep owing to borrow the back follow-up investigation, so cost is bigger.For large-scale loan transaction, because business income is higher, so financial institution often can tolerate the generation of this cost.And the medium-sized and small enterprises credit operation little for amount, that quantity is big, this traditional follow-up investigation pattern then can be to financial institution; Income produces bigger influence.On the other hand, traditional follow-up investigation is regularly finished often, and for large and medium-sized enterprise, professional variation is milder, therefore can understand the up-to-date credit status of enterprise by 6 months, 12 months follow-up investigation.And for medium-sized and small enterprises, the professional variation comparatively fast, long control time tends to not cover the professional change procedure of enterprise at interval, can miss the business risk information of enterprise.
So, we in the credit monitoring processor, the mode that has adopted the enterprise operation index to combine with newspaper mutually, and assisting to examine and risk monitoring and control to enterprise is implemented in the work of field investigation the outside from newspaper.Under this pattern, financial institution requires the requirement of enterprise according to financial institution, in the inner group of monitoring mutually that forms of community, except reporting and submitting the business indicator data of regulation voluntarily, also to report and submit the data of inner other enterprise of group, and analyze by the credit risk monitoring model of setting, unusual enterprise appears for analysis result, then in time carry out field investigation, both can save the investigation cost thus, simultaneously the timely credit risk of monitoring enterprise again.
So this pattern is characterised in that the unidirectional monitoring of financial institution to enterprise, having become with the financial institution is the center, the network-like structure of supervising mutually between the enterprise can reduce the asymmetry of information thus significantly.But, the foundation of monitoring group here then need design, and generally relevant according to industry, business is correlated with and is set up.For the capable enterprise of supervision, financial institution can set up a kind of examination reward mechanism simultaneously, to promote the enthusiasm of enterprise.
As shown in figure 12, idiographic flow is:
A) in the credit asset management server, start the function of " credit monitoring group ", set the credit member of monitoring group for the enterprise that accepts financial institution loan, supervision member's information stores is in central database; The obligated information that reports inner other enterprise of group of the member of credit monitoring group, the information content that reports then is to be determined by financial institution, the general information that all is some surfaces, can be arrived by field observation, such as operation place situation, working number, client's flow of the people, on-the-spot dispute incident etc., rather than the core business data of enterprise.
B) enterprise regularly reports and submits the information of registration oneself in the processor and other people data at company information, finishes data from newspaper and the work of newspaper mutually.
C) financial institution will follow the tracks of client's amount and use information, accounts receivable information in credit assets processor simultaneously, understands the situation that enterprise uses financial product, and the debt situation in time points out enterprise to prepare to refund.
(8) blacklist management flow
For the enterprise of exceeding the time limit and not going back, financial institution can adopt the blacklist shared mechanism, understands the company information that bad accounts occurs, is refused in the credit operation in later stage, produces a kind of credit thus and disciplines mechanism as a warning.
As shown in figure 13, idiographic flow is:
A) each financial institution produces the blacklist of the enterprise of exceeding the time limit in the operation system of oneself, generates the blacklist file;
B) the blacklist file arrives the data integration server by network delivery, and carries out pre-service, mainly is to merge, reject and format, and producing at last with the enterprise is the blacklist information importing file of sign;
C) the data integration server imports file to blacklist information and imports to central database;
D) financial institution can find the blacklist notice information in each Credit Community; While basis traffic set in advance can be in the Credit Community to the open blacklist information of enterprise.
(9) company information is reported and submitted
It is in the Credit Community that company information is reported and submitted, one of community's discipline that requirement enterprise of financial institution observes.Generally speaking, financial institution can require enterprise according to certain requirement, regularly or aperiodically reports and submits the Various types of data of enterprise.The data that financial institution reports and submits for enterprise need be compared with the data that other channel obtains, treatment for correcting, obtain real relatively enterprise management condition thus, determine the credit grade of enterprise on this basis, give the appropriate accrediting amount.
As shown in figure 14, idiographic flow is:
A) financial institution is placed on company information to the information index that requires enterprise to report and submit and reports and submits in the processor, and the credit index that needs is set, and fills in for the enterprise customer; Business data comprises two parts, and a part is the financial statement data, and another part is a non-financial data.
B) enterprise customer enters Credit Community with business tie-up at Credit Community's door, starts company information and reports and submits processor to obtain the data content inventory that will report and submit;
C) list that will report and submit is filled in by enterprise, and the mode of filling in can be online filling in, and also can fill in execl by form by appointment, uploads to company information then and reports and submits processor;
The data of d) filling in are finished according to the order of financial statement, non-financial data, and the content of non-financial data determines voluntarily that by financial institution company information reports and submits processor that self-defining function can be provided, and allows the user of financial institution define the data that will report and submit voluntarily;
E) data form is filled in client by enterprise, uploads to company information by network after finishing and reports and submits processor, and store central database into.
Credit island system in the utility model can help financial institution to realize network marketing, reduce the market cost, simultaneously, form by communityization, the mechanism that builds one's credit and supervise mutually, look into supervision each other mutually thereby the business survey of originally being born separately by financial institution and enterprise supervision have been become enterprise, reduced the cost of enterprise's reference, credit asset management equivalent risk Control work with enterprise.
Claims (2)
1. credit island service system, comprise client, server farm, external system, described client and server farm are connected by the internet or based on the VPN of internet, described server farm and external system are by VPN or private line access, it is characterized in that: described server farm comprises the Credit Community's management server that connects by data line, the service application service device, application deployment server, central database;
And be directed to the different-format between external system and the server farm, the data of different content are carried out integrated data integration server,
Described data integration server arrives external system by VPN or private line access, and is connected with described Credit Community management server, service application service device, application deployment server, central database by data bus,
Described Credit Community management server, service application service device, application deployment server all are connected with described central database by a data bus,
Described service application service utensil has the data line of corresponding function to link to each other with corresponding service application deployment server interface.
2. group of server that is used for Corporate finance based on the described credit island service system of claim 1, it is characterized in that: described service application service device is the financial business server, described financial business server comprises the combination in any of following any one or a plurality of processors, company information is reported and submitted processor, the reference processor, credit appraisal and analysis processor, the credit job processor, the credit asset management server, the financial product management processor, customer relation management processor, information communication processor, mechanism and user management processor
The financial product management processor is connected with central database with described Credit Community management server by data bus, in order to realize the issuing function of financial product; Described Credit Community management server is connected with the information communication processor with the financial product management processor by data bus, in order to realize confirming between the user function of cooperation purpose; Described Credit Community management server is connected with reference processor, evaluation processor, credit effect processor by data bus, in order to realize the bidding function of financial business; Described Credit Community management server reports and submits processor to be connected by data bus with credit asset management server, company information, in order to realize the credit monitoring function; Company information reports and submits processor to be connected with central database with described Credit Community management server by data bus, reports and submits function in order to realize company information; Described client comprises enterprise customer's client, financial institution's subscription client, credit island service system operation organization user client; Described external system comprises government unit's database and financial service unit's Service Database.
Priority Applications (1)
| Application Number | Priority Date | Filing Date | Title |
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| CN2010206406196U CN202025359U (en) | 2010-02-09 | 2010-12-03 | Credit island service system and server group based thereon and used for enterprise financing |
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| CN201020130073 | 2010-02-09 | ||
| CN201020130073.X | 2010-02-09 | ||
| CN2010206406196U CN202025359U (en) | 2010-02-09 | 2010-12-03 | Credit island service system and server group based thereon and used for enterprise financing |
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| CN202025359U true CN202025359U (en) | 2011-11-02 |
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Cited By (1)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| CN104376492A (en) * | 2014-12-18 | 2015-02-25 | 云南家旺科技有限公司 | Creditor right handling system |
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Cited By (2)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| CN104376492A (en) * | 2014-12-18 | 2015-02-25 | 云南家旺科技有限公司 | Creditor right handling system |
| CN104376492B (en) * | 2014-12-18 | 2017-10-17 | 云南家旺信用服务有限公司 | A kind of credits processing system |
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Address after: 215123 Jiangsu Suzhou Industrial Park, 166 benevolence Road No. 201, people first, 203 Patentee after: Suzhou de Rong Schwab credit management technology Limited by Share Ltd Address before: Xinghu Street Industrial Park of Suzhou city in Jiangsu province 215123 No. 328 Creative Industry Park 2 building A block 307 Patentee before: Suzhou Dejax Information Technology Co,, Ltd. |
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