CN101046875A - Process system for service operation of non-governmental investment and financial setup - Google Patents

Abstract

The present invention discloses a processing system for forming non-government investment financial institution service operation. Said system includes the following several portions: investment financial management institution, chain stores, various shops, combined body unit, information analysis and processing unit and investment information management system. Besides, said invention also provides the concrete function and action of above-mentioned every portion.

Description

In order to constitute the disposal system of investment and financing institution business operation among the people

Technical field

The present invention relates to investment and financing among the people field, refer to a kind of especially in order to constitute the disposal system of investment and financing among the people management organization business operation.

Background technology

Investment and financing behavior main activities among the people is accompanied with risk in capital market, and therefore the risk management of investment and financing has critical role in its whole business activities.The risk of capital market and its business are closely related, because business variation day by day, internationalization technicalization and complicated, its excessive risk and high yield feature are more and more obvious, therefore when seeking high yield, the effective risk in each business of management seems important unusually to the sound development of investment and financing among the people mechanism.The risk that investment and financing mechanism faces mainly contains: the market risk, credit risk, operational risk and legal risk, risk control mainly realize by the investment management system of setting up perfect internal control mechanism and advanced person.

The enforcement of investment and financing behavior among the people all needs by people's communication relationship, and be have regional.Because if distance is remote, may be also unclear to market, even language also becomes an important estrangement.So the seldom trans-regional service of a lot of investment and financing mechanism among the people is exactly because the restriction of distance.But also have part body to begin the trans-regional service of investing and financing, but what lean on mostly is interpersonal relation and trust, seldom through carefully assessing, this also is the factor of distance limit and risk.

Therefore the disposal system that whether constitutes investment and financing institution business operation among the people is the sign that investment and financing among the people mechanism has one of core competitiveness.The disposal system of described investment and financing among the people management organization business operation mainly refers to a complete system of business operation efficiently.Existing mainly is directly-managed system of branch office in order to the disposal system that constitutes investment and financing institution business among the people operation.

As shown in Figure 1, directly-managed system of branch office comprises that mainly brand is held mechanism, mechanism, directly-managed branch offices, commission merchant and Terminal Service merchant invest and finance.Described directly-managed branch offices refers to branch office, agency or representative office.Wherein, brand is held mechanism by own operate services pattern, and the commission merchant that directly-managed branch offices will directly serve the zone of appointment or pass through mandate directly provides the investment and financing service to the client to the Terminal Service merchant by the Terminal Service merchant.In this process, saved because of authorizing, act on behalf of layer by layer the price of the service that is increased layer by layer.Hold in brand under the strategy of general mechanism appointment and carry out market service, market can be formed an integral body like this, the service theory and the movable emphasis of implementing can be propagated out effectively the effect of the service of playing unified paces, unified image in market.

Present investment and financing service organization, one is exactly directly-managed branch offices (branch office, agency or representative office) for the main body of its channel.System of this directly-managed branch office is exactly the driving operation of service one continuous line in fact.Also caused operation predicaments such as bloatedness, personnel float, management difficulty increasing when enlarging market, it hides very risky, and shortcoming is mainly as follows:

At first, aspect working expense,, produced the huge clerical workforce's system of enterprise owing to adopt directly-managed branch offices, the increase of every clerical cost, such as: clerical cost, personnel salary, transport cost etc., caused great spending in turnover of funds.

Secondly, because the economic development of various places has gap, main management branch offices is holding not enough to the risk of the project financing, what the project financing was carried out is limited recourse, so for the various risk elements relevant with this project, need with certain form the project investment people, and project exploitation exist between other participants of direct or indirect interest relations and the obligee and share.Though directly-managed mechanism has accepted the training instruction of general headquarters, in risk control, hold deficiency, form certain potential risk.

Moreover, because the region restriction of investment and financing mechanism, the difficulty of its trans-regional operation and risk all strengthen greatly, between the mutual transmission of information only rely on traditional the Internet model more single, information transfer efficiency is low, be difficult to the propagation quickly of the information of accomplishing, the ageing of information had a greatly reduced quality.

At last, aspect organization management, because the continuous growth of directly-managed branch offices, scope of the enterprise also just constantly enlarges, and will certainly form the too fat to move of mechanism, will form enterprises fighting for and evading on right and responsibility at last; And the problems such as phychology impetuousness of employee during in the face of the predicament of such enterprise will occur.

All there is defective in directly-managed system of branch office on the market monitoring capacity of investment and financing among the people mechanism, project implementation ability, can not effectively reduce the risk of investment and financing simultaneously.

Summary of the invention

The problem to be solved in the present invention provide a kind of can improve investment and financing work efficiency and market monitoring capacity in order to constitute the disposal system of investment and financing institution business operation among the people.

In order to address the above problem, the present invention comprises investment and financing management organization, joins merchant and store, association unit, information analysis processing unit and investing tip management system in order to the disposal system that constitutes investment and financing institution business operation among the people, wherein:

Described information analysis processing unit is used to gather information, and project information is sorted out store, and can be inquired about described information;

Described investing tip management system is used for according to the central database of described investing tip management system, carrying out feasibility analysis from described information analysis processing unit gathering information, accomplishes whole regulation and control;

Described association unit is used for described directly-managed merchant and described intervention of joining the merchant by the financing resource are integrated and formed own operation centre of branch, is aided with the resource sharing of brand, information, the network platform simultaneously;

Further, the present invention also comprises:

Fraction cause unit is used from described information analysis processing unit acquired information, distributes according to each unit function, and process information is fed back;

Customer service unit is used for linking up from described information analysis processing unit acquired information and according to the information and other unit that are obtained;

Strategy is managed the unit, is used for diversification thought from fraction cause unit, customer service unit and brand promotion unit, integrates out the collaborative mutually developing direction in each unit, and information is sent in the association unit;

The brand promotion unit is used for going out to be fit to according to described information analysis processing unit finish message the appeal point and the key concept of product promotion, is aided with marketing strategy simultaneously and this is sent in each correlation unit;

Plan financial unit, be used for being responsible for whole business plan and financial management work;

Information process unit is used for the information of described information analysis processing unit is analyzed and each relevant information is delivered in the correlation unit.

Described information analysis processing unit comprise central processing unit and with the interconnective power module of described central processing unit, data storage module, buffer memory memory module, expansion module, operational module and display.

Described fraction cause unit comprises:

The Corporate finance unit is used for obtaining Corporate finance information from described information analysis processing unit, and according to actual conditions enterprise is investigated assessment;

Public financing unit is used for obtaining public financing information from described information analysis processing unit, and information is analyzed;

Annex the purchase unit, be used for from described information analysis processing unit acquired information, for enterprise with merger purpose with regard to merger condition, price, strategy the provide advice suggestion or the offer of analysis and evaluation acquiring firm, or the purchase object evaluated, or seek to merge object;

The asset management unit is used to various clients that the asset management service of different-style is provided;

The direct investment unit, be used to be engaged in the risk investment business, not only accept newly developed company's financing and entrust, also initiatively seek newly developed company, from aspects such as risk, technology, plan of operation, the marketing, credit requirement, Executive Teams, estimate its future development potentiality and carry out investment decision;

The professional unit of real estate is used for the credit based on real property consulting service are come from the commerce adapter, offers suggestions for the client by term of redemption then;

The international business unit is used to coordinate the international business with management organization, and subsidiary company and national multinational overseas branch provide the private services such as the project financing, transnational enterprise's merger, export credit financing of raising home for transregional company;

Traffic engineered unit is used for according to the information that acquires from each unit to carry out concrete operations.

Described strategy is managed the unit and is comprised:

The developmental research unit is used for analytical information, provides research report for mechanism reaches a unit business development simultaneously;

The administration unit is used for daily administration of incumbent institution and logistics support work;

The human resources unit is used for being responsible for employee's recruitment, performance appraisal and training;

Network service element is used for being responsible for the technology and the management work of computer network and information management system;

The risk management unit is used for being responsible for inner each unit business inspection work, supervises its lawful operation and takes precautions against the miscellaneous service risk;

The legal services unit is used to provide the daily legal affairs of legal consultation, lawyer's witness and mechanism.

Described information analysis processing unit comprises information analysis unit, information process unit, information management unit and information query unit, and the specific implementation step is as follows:

A, each unit input to described information analysis unit respectively with the relevant information that takes place, and described information process unit carries out the analysis and the editor of information simultaneously;

Behind b, information via analysis and the editor, change and be replaced as information, be defeated by described information management unit with operability;

C, described information management unit are checked through central database, and risk is assessed, and provide the report of risk avail information;

D, described customer service unit are sent to correlation unit respectively with task and operate according to the information after editing;

Correlation unit is handled and exported in e, each unit according to information instruction;

F, each unit are sent to the investing tip management system with the information that is taken place again, carry out analysis, editor and the processing of information again by information analysis system, and so the circulation information of carrying out sends.

Compared with prior art, beneficial effect of the present invention is:

1, because the association unit can be stored in the information analysis processing unit with the information such as turn of the market of Terminal Service merchant feedback, make investment and financing among the people mechanism can recognize the variation in market in time from the information analysis processing unit, thereby monitor market in real time, improved the market monitoring capacity of investment and financing mechanism, can make things convenient for investment and financing among the people mechanism to carry out next step investment and financing plan in time, work efficiency will be improved.

2, the present invention can integrate the resource from various places, forms a trans-regional operation centre, shares data bank, information, the talent and investment experience, and collaborative various places are joined merchant, store and joint merchant and shot up.

3, the present invention can better make suitable market, be fit to the brand of client's taste aspect brand creation and extension image, thereby allows enterprise shoot the arrow at the target aspect brand creation and popularization.

4, by analysis and the feedback of information analysis processing unit to information, event in timely, the correct processing market, the service awareness that more can correct the market sale personnel for good image of brand creation, has guaranteed the benign development of brand.

5, owing to adopt the information analysis processing unit can well simplify the too fat to move of enterprise branch managerial setup, more can save the expense of office and enterprise operation aspect.

6, the present invention can promote the passage of the two-way exchange of investment and financing mechanism between region and region, and with all investment case unified managements, the coordination of being optimized combination.

7, owing to a series of new financing tool of employing and the promotion of financing technology, and strategic improvement of managing the unit, help to improve return of investment, reduce risk, make capital market become desirable outlet for investment.For the fund-raiser, the financial terms that help to reduce cost become more preferential.Energy investment promotion person and fund-raiser participate in, and have enlivened capital market, have also created wide prospect for self-growth.

Description of drawings

Fig. 1 is the synoptic diagram of directly-managed system of branch office;

Fig. 2 is a network information platform synoptic diagram of the present invention;

Fig. 3 is the present invention in order to constitute the synoptic diagram of investment and financing institution business operational processes among the people system;

Fig. 4 is that the present invention's strategy is managed cell schematics;

Fig. 5 is the schematic flow sheet of Corporate finance and public financing unit among the present invention;

Fig. 6 reviews the scheme schematic flow sheet in the project financing of the present invention;

Fig. 7 is the traffic engineered unit operations schematic flow sheet of the present invention;

Fig. 8 is the private of the present invention schematic flow sheet in financing early stage of raising;

Fig. 9 is the present invention's business operation stage schematic flow sheet of investing and financing.

Embodiment

As shown in Figure 3, the present invention in order to the disposal system that constitutes investment and financing institution business among the people operation comprise investment and financing management organization, join merchant and store, association unit, information analysis processing unit, the investing tip management system.Wherein:

Described information analysis processing unit is used to gather information, and project information is sorted out store, and can be inquired about described information;

The investing tip management system is used for from information analysis processing unit gathering information, and acquisition and Data transmission, through the feasibility analysis of central database, accomplishes whole regulation and control; Adopt three-layer architecture, have good opening, retractility and extensibility, thereby the following period of time of assurance system in future can adapt to outside variation and need not to do big adjustment on system architecture.

Described association unit is used for directly-managed merchant and joins the intervention of merchant by human resources, integrates to form own operation centre of branch, is aided with the resource sharing of brand, information, the network platform simultaneously;

As shown in Figure 3, the present invention also comprises in order to the disposal system that constitutes investment and financing among the people mechanism associating build:

Fraction cause unit is used for the variation according to the different regions environment, to particular service and field expansion activity, improves the operational paradigm and the market competitiveness of mechanism, the function of clear and definite each strategic level, power and the responsibility that should bear.

Customer service unit is used for linking up from information analysis processing unit acquired information and according to the information and other unit that are obtained; It is the important component part among the present invention, perfect customer service system is depended in high-quality customer service work, so, set up and perfect once cover have high-level efficiency, high-quality, the customer service system that meets the market characteristics becomes investment and financing among the people mechanism and wins victory in the key in market.Customer service unit is the link that operation centre contacts and links up with the client, he puts the relevant information of operation centre and association unit in order by the information analysis processing unit, unit by phone or network and needs communication is got in touch, its service level directly has influence on the running quality of investment and financing among the people mechanism and the subjective feeling of management level, and then have influence on the market competitiveness of investment and financing among the people mechanism, so the importance of customer service unit need not be sayed more.

Information process unit is used for the information of information analysis processing unit being classified and each relevant information being sent in each correlation unit;

The brand promotion unit is used for going out to be fit to appeal point and the key concept that service is promoted according to information analysis processing unit finish message, is aided with marketing strategy simultaneously and this is sent in each correlation unit;

Strategy is managed the unit, is used for diversification thought from fraction cause unit, customer service unit and brand promotion unit, integrates out the collaborative mutually developing direction in each unit, and information is sent in the association unit;

Plan financial unit, be used to allot and the control fund flows.

Described information analysis processing unit comprises information analysis unit, information process unit, information management unit and information query unit, and the specific implementation step is as follows:

A, each unit input to the information analysis unit respectively with the relevant information that takes place, and information process unit carries out the analysis and the editor of information simultaneously;

Behind b, information via analysis and the editor, change and be replaced as information, be defeated by information management unit with operability;

C, information management unit are checked through central database, and risk is assessed, and provide the report of risk avail information;

D, customer service unit are sent to correlation unit respectively with task and operate according to the information after editing;

Correlation unit is handled and exported in e, each unit according to information instruction;

F, each unit are sent to the information feedback unit with the information that is taken place again, carry out analysis, editor and the processing of information again by information analysis system, and so the circulation information of carrying out sends.

Described information analysis processing unit comprise central processing unit and with the interconnective power module of described central processing unit, data storage module, buffer memory memory module, expansion module, operational module and display.

Information process unit is meant investment and financing mechanism among the people or association unit flowing with form information resources such as working specifications in market promotion flow process.In investment and financing mechanism among the people and association, regardless of its management mode and institutional framework, the situation that market and active service disconnect mutually can appear inevitably all.And these information concentrate in the information analysis processing unit, information process unit is by checking the project on information processing in the information analysis processing unit, the various data messages of exact grasp in time,, the classification of the line data information of going forward side by side, relevant information is communicated in the correlation units such as capital settlement, brand promotion and fraction cause unit, in order to avoid cause brand service provider to stagnate on the project of potentialization, therefore, information process unit just becomes the indispensable unit of enterprise.

The brand promotion unit is investment and financing among the people mechanism for further pulling market, increases the branding communication mechanism that value-added content of service is set up.He obtains the information of correlation units such as R﹠D and production, association by the information analysis processing unit, put in order out and be fit to demand point and the key concept that service is promoted, be aided with marketing strategy simultaneously, be delivered in the correlation units such as customer service, information processing, promote, propagate by correlation unit at last.

What the fund of planning financial unit and be flowed allots and the regulation and control center, finishes the flow direction of fund according to the instruction of investment and financing among the people mechanism.When the fund residue situation of association unit need be inquired about in the capital settlement unit, financial condition in the direct Query Information analysis process system, open-and-shut situation of checking each unit, and the problem such as funds flow, fund payment that can effectively regulate other unit.

As shown in Figure 2, its system architecture of investing tip management system comprises: document database, relational database and more than one user's PC combine, and above all elements all interconnect by Internet, to seize and the transmission data, its user comprises: the investment and financing management organization, store, join the merchant, and expert advisor, investor etc., all can on platform, carry out information trading, project operation and risk assessment by PC.It is made of following several parts:

A, the project management of investment and financing mechanism

According to the difference of project information attribute in progradation, the mechanism's project management of will investing and financing is divided into workflow desk, information interchange desk, comprehensive inquiry desk.System provides the definition of work flow interface, information input interface, and the flow direction of provisioning information is according to the project scheduling and actual development prompting abnormal conditions; By information is in time classified, put in order, system provides information searching function from various angles such as project, personnel, unit, finance, customer services respectively.

B, investment and financing synthesis of mechanism information

Comprise modules such as social resources, laws and regulations, classical case, investment and financing mechanism bulletin, the interchange of investment and financing mechanism, realization is shared the classical case information of investment and financing mechanism's project document and success, failure simultaneously to information managements such as mechanism of security co-director, intermediary, customer information, laws and regulations, industries.

C, the issue of investment and financing mechanism information

By the investment website, issue project process multidate information to the user, in time exchange with the user, improve project implementation quality.

Described investing tip management system adopts three-layer architecture, has good opening, retractility and extensibility, thereby the following period of time of assurance system in future can adapt to outside variation and need not to do big adjustment on system architecture.

A, support www browser operation

The difficulty of simplified system installation and maintenance, the cost of reduction system installation and maintenance, interface operation style unanimity, simple to operate; System supports the www technology, for realizing that mobile office provides technical guarantee.

B, comprehensively information management

Project has life cycle, from " project affirmation first " beginning management project, until " project is cancelled " or " project is wound up the case ".The information of handling comprises: project team's human resource information, customer information, rival's information, intermediary's information, and the project project that proposes around customer demand, project expected profit, venture analysis etc., project Program for Tackling Key Problems, customer service plan etc.In the project progradation, system provides the interface of standard: accept in work order, input information, the Query Information storehouse data information, send file etc., report the work in time, termly and with client's minutes of talks.

C, controlled project planning fully

Comprise the occupation of capital, expense budget, project team's personnel placement, assist personnel placement, scheduling, equipment use etc.Project leader or investment and financing mechanism manager need all multifactor identification item purpose specific tasks such as the specific requirement, entry property, venture analysis according to the client, division stage.And carefully estimate the workload in each stage, and carry out job analysis, consider the restriction and the various risk of resource simultaneously, be each stage to assign adequate resources, and clear and definite responsibility, determine target, define workload, guarantee effective communication.

D, project dynamic tracking, cost control

At the result of project planning, system design actual funds take, functional modules such as expense reimbursement, dynamic duty report, the minutes of talks, the report of going on business, come corresponding different planning models.After stage finishes, project leader's presentation stage assessment report, unit manager's checking and confirm after, can organize the related personnel that project or project team member are carried out performance appraisal as the case may be.The omnidirectional tracking project is in time adjusted the project strategy, reduces risk, guarantees that project is by the duration, by budget, finish on request.

E, management philosophy customer-centric

Client's basic condition is described, and understands client's situation and changes in demand, realizes the value-added service to the frequent customer; Adopt data warehouse technology to excavate client's potential demand and potential customers' excavation in conjunction with various information; Share customer resources, to the unified service of client, standard service.

F, data centralization management

Help optimizing resources and use, concentrate the strength of team to go to finish each task, the creation effective value puts human resources to the best use, and the institution business expansion that can promote to invest and finance, utilize customer resources, for the client provides complete information on services, constantly create business opportunity, obtain new profit.Yes even more important, the data centralization management realizes that under the prerequisite of avoiding risk, reducing cost mobile office provides system's guarantee.

G, with system dynamics interactive information such as human resources, financial management

System is mutual by system informations such as information exchange platform realization and human resources, financial managements.The information interchange platform integrates each subsystem, and build-in functions such as route, format conversion, affairs, transmission, encryption and decryption are provided for each subsystem, and subsystem inserts switching plane in the mode of plug-in unit.

H, comprehensive comprehensive inquiry

Query Information fully satisfies personnel's at different levels needs by being aggregated into detail.As, the inquiry financial position, system at first shows the financial position of all unit, can check the financial position of each unit project in the fraction cause unit, clicks certain project again, can check all personnel's of this project team financial position.So just experienced a process from coarse to fine, make the user can multi-angle, have an X-rayed project information in all directions.

As shown in Figure 4, strategy is managed the unit and is related to and have of overall importance, long-range nature and fundamental issue in the development, is the concentrated reflection of mechanism's management philosophy, operation policy; It is the core of determining scheme, plan; Purpose is to make factors such as mechanism's operating structure, resource and operations objective, and in acceptable risk limit, the various chances with market environment is provided obtain mobile equilibrium.

Strategy is managed the operating mechanism that the unit comprises an integral body, and it is worth to originate by two parts and constitutes, and wherein a part is formed through strategic analysis, factor analysis, mode construction, pattern enforcement and mode adjustment by each subdivision; Another part, is delivered in each unit through integrating the formation strategic thought through cost, profit, uniqueness, a ductility and persistent analysis evaluation is formed then by each unit again.

In association's management strategy activity, each strategic decision person must have a correct guidance thought, system of the present invention can accomplish that management strategy is communicated in each unit in time, exactly, and from each unit implementation status is fed back, and weak point is revised immediately.Its starting point is the identification customer demand, manages to provide the service that can satisfy these demands then, and this is the guiding theory of association's management strategy to satisfy client's needs as the operation that mechanism manages basic goal.Association with the customer demand be the guiding management strategy guiding theory in have:

A, the thought of meeting customer need.In investment and financing client among the people, the financier expects the investment of least cost, and the investor wishes to obtain the top gain under the set risk level.This just need handle the cooperation of captical transaction, each unit well, and concrete service should be carried out by customer service unit and implement.

B, Competitive Thought.Competition has promoted the existence and the prosperity of association.Why the client selects, and be because have the unexistent advantage of other rivals, and this competitive edge is to realize in the survival of the fittest of market economy.The development of market competition is the competition that is developed into service quality by the competition of price, and the transaction processing system that constitutes investment and financing among the people mechanism is set up advantage with respect to the rival qualitatively in price and service exactly, just can prevail over competition, just can serve clients well.

C, following thought.Association's management strategy must be had future in mind, for point the direction future, meets customer need and also should be conceived to client's demand in future.In management strategy, to consider trans-regional working fund, professional variation, novelization of instrument, means technicalization and internationalization.

D, system thinking.This is determined by the feature of overall importance of investing and managing strategy.Investment and financing among the people is a subsystem of the big system of investment and financing, investment and financing among the people is studied as a system, to be conceived to the rule of development of overall importance and direction exactly, establish viewpoint whole and that coordinate, the resource organic connections of each side are got up, reach the mobile equilibrium between system's external environment condition, interior condition and the operations objective three, so each unit is an inseparable integral body.

E, innovative idea.The vigor of association is its innovation ability.Innovate one and be meant that creating new service meets customer need, the 2nd, start new demand field guiding customer demand, the 3rd, create new management style adaptation customer demand and change.For the investor, because a series of new financing tool and the promotion of financing technology and the improvement of organization system have improved return of investment, reduced risk, make capital market become desirable outlet for investment.For the fund-raiser, cost of capital reduces, and it is more preferential that financial terms become.Thereby innovation activity energy investment promotion person and fund-raiser's participation, enlivened capital market, also created bright prospects for self-growth.

F, innovative idea.Under the condition of meeting customer need, increasing profit and increasing the benefit is the core of managing, and also is the starting point and the objective point of management strategy.The profit accumulation is to enrich capital, extensive operating, enhancing prestige, to enhance competitiveness.

The present invention introduces each unit business operating process of fraction cause unit in the mode of accompanying drawing:

As shown in Figure 5, described Corporate finance unit is used for obtaining Corporate finance information from the information analysis processing unit, and according to actual conditions enterprise is investigated assessment, for it provides financing services; Public financing unit is used for the information analysis processing unit is obtained public financing information (mainly containing government, government utility tissue), and information is analyzed.Its operation flow mainly is:

A, project receive the stage:

Customer service unit is transferred the standing of client's registration from the database of investing tip management system, the project manager of notice fraction cause correlation unit;

B, project preparatory examination stage:

The customer manager introduces relevant financing information to the client, and the explanation fund is thrown in the relevant regulations of territory and investor's formulation, and negotiation is linked up, and inquires into the possibility of financing project, exchanges finance text and related data.

C, expert's preliminary audit survey stage:

The particulars that expert group submits to according to project side are checked data, and the internal evaluation Project Value is provided programmatic recommendation, submit investor's first trial to, and the investor provides feedback information.

D: the implementation phase of preliminary:

Pass through as investor's first trial, inform project unit by information management system, decide through consultation matters concerning cooperation with project side, tentatively sign letter of intention for co-operation, organization arrangement goes to the on-the-spot investigation of project unit.

E, consult the stage in detail:

Fraction cause unit carries out on-the-spot investigation to client's project, makes detail items prospectus and risk assessment book, formally consults.

F, again the audit and project tentatively start:

Get in touch with the investor, provide specification of an item and risk assessment book, according to investor's feedback, the investor participates in the audit again of project, and project begins preliminary startup.

As shown in Figure 6, a project is after determining substantially, and the investor will participate in the audit again of project, and the legal document that (melting) money palpus is submitted to is thrown in application simultaneously:

A, applicant must submit to " throwing (melting) money application form " duplicate, and should the unit's of adding a cover official seal.

B, applicant must submit applications investing unit legal qualification proof copies (license of the business corporation, legal person's code certificate, Tax Registration Certificate etc.).

C, applicant must submit to legal representative of enterprise or principal shareholder's personal identification to prove, resume, address prove.

D, investment applicant must submit fund documentary evidence (unit deposit pay-in slip or individual deposit list) to.

E, financing applicant must submit the following files to:

(1) relevant documents such as project feasibility report or project proposal.

(2) provide financing guaranty file.

(3) the true financial statement of submit applications financier (balance sheet, profit and loss statement, cash flow statement).

(4) submit Mortgage assets assessment file or data to.

(5) submit the investor to think to be necessary other application documents of submitting to, as government's project verification proof etc. of examining, go into operation.

To pass through following flow process from starting to finish:

A, project initiation: set up project team, the enterprise side member is determined in each member's the division of labor in the clear and definite project team, and enterprise provides particulars, and project team is studied the data in early stage again;

B, project are carried out: the abundant investigation and analysis of the staff of project team, further understand customer issue, for scheme provides the improvement foundation;

D, conceptual design: the personnel of project team discuss, and each member all submits the scheme of oneself to, project manager's evaluation, and the overall improvement scheme is discussed, and carries out the scheme correction, finishes the submission improvement project;

E, demonstration: the member organizes the scheme of presentation stage, and links up with the member of enterprise, the enterprise side modification stage scheme of advising, scheme through all members and enterprise side representative approval after, the presentation stage report;

F, scheme are formally implemented: the member organizes the appointment implementation plan, and organizing and implementing personnel and implement of the training personnel, assists its embodiment, and final solution is implemented to finish;

G, follow-up service: carry out client's return visit again, the problem that the client runs into is actively assisted its analysis, and proposes solution.

Such project was covered according to this flow process to the follow-up service of implementing to finish from the initial stage, to problem and the solution of finding in the implementation process, all feed back to investment management system, and be input to data center, handle the generation again that to avoid this type of problem in the project process by the investment management system analysis in next time, reduce the loss.

The professional unit of described real estate is the development along with investment and financing among the people, and the trend of assets privatization progressively grows up, and it is taken over the credit based on real property consulting service and comes from commerce, provide service by term of redemption for the client then.

With reference to shown in Figure 7, the operating process of the professional unit of real estate:

The certificate that a, financier (nature person) need provide:

(1) real estate warrant or titles to real estate card, the land use warrant;

(2) financier's (nature person) I.D., residence booklet;

(3) also need following certificate:

(a) unmarried proof place where his residence is registered Department of Civil Affairs provides totally 1 part of unmarried so far proof

(b) marriage certificate marriage certificate, spouse's I.D., residence booklet are totally 3 parts

(c) divorce proof place where his residence is registered Department of Civil Affairs provides totally 1 part of proof unmarried so far after the divorce

B, appraisal of real estate:

Guaranty is carried out on-the-ground assessment, according to guaranty position, floor, area, towards etc. estimate its about value.To be worth as the foundation of providing a loan to estimate, and with guaranty estimate value 1/2 as the amount of the loan.

C, signature entrustment agreement

If after the investor settled all items, then the financier signed consignment agreement.

D, signature mortgage contract

The investment and financing both sides must show up jointly, sign the mortgage contract jointly.If any dispute is arranged, this contract all can be as legal basis later on.

E, notarization

The investment and financing both sides must notarize to public notary office jointly.

F, handle house property insurance:

The investment and financing both sides handle property insurance to regular and large-scale property insurance mechanism to guaranty.

G, handle the real estate mortgage warrant:

Send someone to assist the investment and financing both sides to handle the real estate mortgage warrant.

H, fund are to account:

All formalities all handle appropriate after, the investor will squeeze into cash financier's account.So far the process of providing a loan is promptly accused and is finished.

In order to constitute the disposal system of investment and financing institution business operation among the people, its fraction cause unit also comprises the international business unit, be responsible for specially and coordinate and the international business of management organization, subsidiary company and national multinational overseas branch provide the private services such as the project financing, transnational enterprise's merger, export credit financing of raising home for transregional company.

With reference to shown in Figure 8, raising with private that the project financing serves in earlier stage is example, and its flow process is as follows:

A, tentatively contact, determine the service purpose with the financier;

B, financier submit " capital operation scheme " and " report of business plan " to, determine service content with fraction cause unit, the signing service agreement.

C, communicate with client, to the financier from " report of business plan " and " capital operation scheme " proposition suggestion for revision of intending.

According to circumstances investigate to the client in d, risk management unit, due diligence investor background and current situation, and write " feasibility analysis report " for the client;

E, fraction cause unit are according to the information of each unit, and in conjunction with the Internet resources of investing tip management system, innovation strategy is managed the method for thinking and the knowledge hierarchy of unit, and successful integration case and concern resource is write detailed " financing recommendation ";

F, be the investor that trade connection and screening are fit to, represent client and investor to carry out contacting early stage.

F, due diligence investor background and current situation arrange the investor to contact with the financier.

G, assistance client finance and recommend and commercial negotiation.

H, take all factors into consideration various appraisal Model, and in conjunction with the assessment style of potential investor, for client's value assessment (mainly being the growth assessment) provides " value analysis report ", fully disclose inherent value, the price negotiation when financing provides scientific basis.

Intermediaries, assistance clients such as i, introducing audit, assessment and law finish the making and the signature of stock right financing agreement.

J, accent each side relation, regulation and control financing progress.

Matters such as k, assist process are relevant with the equity change completes a business transaction, check the capitals, industrial and commercial change of registration.

As shown in Figure 9, the present invention is in order to constitute the disposal system of investment and financing institution business operation among the people, from the client investment and financing among the people mechanism service request is proposed to the enforcement running to scheme, what the centre experienced is the process of the coordination and the communication of each unit, investment and financing among the people mechanism is equivalent to human heart in total system, marketing strategy and management strategy are sent to the operation centre place, form quick, an effective operating agency.

The investing tip management system is equivalent to human brain in the operation of total system, he is transferred to the information that investment and financing among the people mechanism transmits in each unit (fraction cause unit, customer service unit, information process unit, brand promotion unit, strategy are managed unit and capital settlement unit) by collating sort, is carried out the processing of correlate by each unit; And each unit carries out taxonomic revision to the information of collecting, and is delivered to operation centre, handles through the unit that is distributed to response after putting on record.

The function of each unit in whole transportation is equal to human limb, the instruction of aspects such as brand promotion that brand operation centre is assigned and service, be transmitted to by the information analysis disposal system in the managerial setup of association, as shown in Figure 9, its concrete process is:

A, customer service unit contact through early stage and client's, and both sides' investigation is understood fully to contact client's real demand under the prerequisite of communication both sides, and book is accepted in both sides' service of signing, and project is is formally accepted;

B, customer service unit, screen the desired service of client through the information retrieval and the data analysis of information management system according to requirement of client, are divided into substantially: professional consultation, management consultant, financing merger, investment operation and other service;

C, customer service unit pass to fraction cause unit to the concrete classified information of client's basic condition and service item;

D, fraction cause unit pass through the communication with customer service unit, understand the primary demand of its service, then information are passed to legal services unit and risk management unit;

E, risk management unit carry out risk assessment to service item, provide the risk averse prospectus then;

F, legal services unit are estimated it from the law aspect, improve the risk averse prospectus, and pass to the association unit;

G, association unit are investigated analysis according to information and the investigation of risk management unit associations to service item, provide the investigation analysis report, then relevant result are returned to fraction cause unit and the financial unit of plan;

Make a strategic decision and provide the decision-making book investigating analysis result, and the result is returned to the association unit in h, fraction cause unit and plan financial unit associations service item is carried out demonstration and financial budget;

I, association unit and fraction cause unit associations operate enforcement to project, plan financial unit finance are carried out supervision;

J, customer service unit are followed the tracks of scheme at last, carry out follow-up service.

As run into urgent thing in the business operation flow process, directly related unit is linked up, is coordinated, and is directly handled by correlation unit.

Brand self market situation and competitive market are dynamic in time grasps, and helps investment and financing among the people mechanism to carry out the adjustment of next step strategy and market strategy.The concrete operations step is as follows:

Encounter problems in market information that a, association's unit process arrangement service transmit and the service process, be sent in the information analysis disposal system by information integral body;

B, information treatment part carry out the problem that runs in market information and the service process statistic of classification and report operation centre;

C, operation centre analyze these data, study, and are to offer investment and financing among the people mechanism;

D, investment and financing among the people mechanism carry out policy development and adjustment, and the result are fed back to operation centre according to these data.

E, operation centre unite each correlation unit and work out complete marketing scheme according to the guidance of investment and financing among the people mechanism, assist to finish the required related service of this scheme by brand promotion portion;

F, pass on new marketing scheme, and send it in the association unit by the information analysis disposal system.

G, last association unit provide respective services by own operation centre of branch, are aided with simultaneously that brand resource is shared, the network platform is shared and information resources are shared.

The present invention is the novelty marketing model of investment and financing among the people mechanism to the commercial market running in order to the disposal system that constitutes investment and financing institution business among the people operation, it is by investment and financing management organization among the people and join contacting directly of merchant, the service that is provided is under the hosting of operation centre, under the assistance of unit such as fraction cause unit, information process unit, brand promotion unit, can effectively be transported in the mechanism of association, directly provide the investment and financing service through this mechanism at last terminal client; And the information analysis processing unit is analyzed feedack in the mechanism of association, handle, and is transferred to corresponding units, carries out in time, effectively solves, and at last handling suggestion is fed back in the hand of operation centre and investment and financing among the people mechanism.Reached unimpeded, rapid, an accurate purpose.

Claims (6)

1, a kind of in order to constitute the disposal system of investment and financing institution business operation among the people, comprise investment and financing management organization, join and discuss and store, it is characterized in that, also comprise association unit, information analysis processing unit and investing tip management system, wherein:

Described information analysis processing unit is used to gather information, and project information is sorted out store, and can be inquired about described information;

Described investing tip management system is used for according to the central database of described investing tip management system, carrying out feasibility analysis from described information analysis processing unit gathering information, accomplishes whole regulation and control;

Described association unit is used for described directly-managed merchant and described intervention of joining the merchant by the financing resource are integrated and formed own operation centre of branch, is aided with the resource sharing of brand, information, the network platform simultaneously;

2, as claimed in claim 1ly it is characterized in that, also comprise in order to constitute the disposal system of investment and financing institution business among the people operation:

Fraction cause unit is used from described information analysis processing unit acquired information, distributes according to each unit function, and process information is fed back;

Customer service unit is used for linking up from described information analysis processing unit acquired information and according to the information and other unit that are obtained;

Strategy is managed the unit, is used for diversification thought from fraction cause unit, customer service unit and brand promotion unit, integrates out the collaborative mutually developing direction in each unit, and information is sent in the association unit;

The brand promotion unit is used for going out to be fit to according to described information analysis processing unit finish message the appeal point and the key concept of product promotion, is aided with marketing strategy simultaneously and this is sent in each correlation unit;

Plan financial unit, be used for being responsible for whole business plan and financial management work;

Information process unit is used for the information of described information analysis processing unit is analyzed and each relevant information is delivered in the correlation unit.

3, as claimed in claim 2 in order to constitute the disposal system of investment and financing institution business operation among the people, it is characterized in that, described information analysis processing unit comprise central processing unit and with the interconnective power module of described central processing unit, data storage module, buffer memory memory module, expansion module, operational module and display.

4, as claimed in claim 3 in order to constitute the disposal system of investment and financing institution business operation among the people, it is characterized in that described fraction cause unit comprises:

The Corporate finance unit is used for obtaining Corporate finance information from described information analysis processing unit, and according to actual conditions enterprise is investigated assessment;

Public financing unit is used for obtaining public financing information from described information analysis processing unit, and information is analyzed;

Annex the purchase unit, be used for from described information analysis processing unit acquired information, for enterprise with merger purpose with regard to merger condition, price, strategy the provide advice suggestion or the offer of analysis and evaluation acquiring firm, or the purchase object evaluated, or seek to merge object;

The asset management unit is used to various clients that the asset management service of different-style is provided;

The direct investment unit, be used to be engaged in the risk investment business, not only accept newly developed company's financing and entrust, also initiatively seek newly developed company, from aspects such as risk, technology, plan of operation, the marketing, credit requirement, Executive Teams, estimate its future development potentiality and carry out investment decision;

The professional unit of real estate is used for the credit based on real property consulting service are come from the commerce adapter, offers suggestions for the client by term of redemption then;

The international business unit is used to coordinate the international business with management organization, and subsidiary company and national multinational overseas branch provide the private services such as the project financing, transnational enterprise's merger, export credit financing of raising home for transregional company;

Traffic engineered unit is used for according to the information that acquires from each unit to carry out concrete operations.

5, as claimed in claim 4 in order to constitute the disposal system of investment and financing institution business operation among the people, it is characterized in that described strategy is managed the unit and comprised:

The developmental research unit is used for analytical information, provides research report for mechanism reaches a unit business development simultaneously;

The administration unit is used for daily administration of incumbent institution and logistics support work;

The human resources unit is used for being responsible for employee's recruitment, performance appraisal and training;

Network service element is used for being responsible for the technology and the management work of computer network and information management system;

The risk management unit is used for being responsible for inner each unit business inspection work, supervises its lawful operation and takes precautions against the miscellaneous service risk;

The legal services unit is used to provide the daily legal affairs of legal consultation, lawyer's witness and mechanism.

6, as claim 1 to 5 described any one in order to constitute the disposal system of investment and financing institution business among the people operation, it is characterized in that, described information analysis processing unit comprises information analysis unit, information process unit, information management unit and information query unit, and the specific implementation step is as follows:

A, each unit input to described information analysis unit respectively with the relevant information that takes place, and described information process unit carries out the analysis and the editor of information simultaneously;

Behind b, information via analysis and the editor, change and be replaced as information, be defeated by described information management unit with operability;

C, described information management unit are checked through central database, and risk is assessed, and provide the report of risk avail information;

D, described customer service unit are sent to correlation unit respectively with task and operate according to the information after editing;

Correlation unit is handled and exported in e, each unit according to information instruction;

F, each unit are sent to the investing tip management system with the information that is taken place again, carry out analysis, editor and the processing of information again by information analysis system, and so the circulation information of carrying out sends.

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