CN102005011A - Line control method based on credit line management system - Google Patents
Line control method based on credit line management system Download PDFInfo
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- CN102005011A CN102005011A CN2010105854382A CN201010585438A CN102005011A CN 102005011 A CN102005011 A CN 102005011A CN 2010105854382 A CN2010105854382 A CN 2010105854382A CN 201010585438 A CN201010585438 A CN 201010585438A CN 102005011 A CN102005011 A CN 102005011A
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Abstract
The invention provides a line control method based on a credit line management system. The credit line management system comprises a client device, a network device, a server device, a data bus and a database, wherein the server device is provided with a client identity management device, an investigation process management device, a credit base maintenance device, a credit analysis and evaluation device, a working paper device and a comprehensive credit inquiry device. The method comprises the following beneficial effects: using information technology means as the support platform and setting the system to carry out automatic line control, restraining the contents in the follow-up credit contract and avoiding excess credit.
Description
Technical field
The present invention relates to a kind of amount control method, belong to the credit services technical field based on accrediting amount management system.
Background technology
The medium-sized and small enterprises financing difficulties is a major issue that faces in China's economic life, for this reason, country has put into effect the multinomial relevant policy that solves the medium-sized and small enterprises Finance Issue, for example People's Bank of China transferred again and again since 2008 and increases financial institution's amount of credit, remove accent RMB loan benchmark interest rate and small-and medium-sized financial institutions Renminbi rate of deposited reserve from September 16th, 2008, attempt to solve the problem of medium-sized and small enterprises financing difficulties.At present, each big bank begins to implement relevant policies successively, innovation credit product, helping medium-sized and small enterprises financing.
It on the medium-sized and small enterprises provide financing services essence a kind of credit financing product; this product characteristics is that financial institution (comprises guarantee agency; down together) under the prerequisite of grasping the business standing situation; to enterprise's credit; then based on the result of the accrediting amount; give enterprise capital loan, perhaps tender guarantee for enterprise's loan fund.Like this, the credit financing product comprises two main flow processs in itself in fact, one is the reference operation flow that solves the business standing problem of information asymmetry, understands the business standing situation, another is on the basis of reference, to the giving credit flow process of enterprise, determine amount, time limit and subsidiary condition that enterprise is offered loans.So the business of whole credit financing mainly is presented as reference business and giving credit in fact in operation flow, this is a credit operation flow process feature.We are referred to as to levy giving credit altogether to the two, so for credit operation, its business realizing mechanism is exactly to levy giving credit, the purpose of levying giving credit conversely just realizes the credit service to enterprise.But, levy giving credit and be not equal to the credit operation of general bank, levying giving credit is to be purpose with the credit operation, except the bank service product, a series of associated credit services products have also been comprised in fact, credit services such as guarantee business, factoring business product for example, here for simplicity, we are classified as above-mentioned credit services uniform service the category of financial service product.
In medium-sized and small enterprises financing services field, because risk control is had relatively high expectations, professional kind complexity needs the business innovation that a kind of model instructs this field on business.And levy giving credit just from having held the essential characteristic of provide financing services in essence, formed the Rational Unified Process model of provide financing services, for constantly bringing forth new ideas of financial product provides a kind of support frame.Correspondingly, levy the giving credit system and also provide an informationalized support platform for levying carrying out of giving credit, based on this platform, can help finance service's high-level efficiency, implement various medium-sized and small enterprises provide financing services in high quality, and provide a valid approach for the final problem that solves the medium-sized and small enterprises financing difficulties.
In levying the giving credit system, by to the analysis of business income and abstract, we find that at first all levy giving credit is that credit line realizes by core controlling elements all: the purpose of reference business is to lay the first stone for authorizing client's credit line, and giving credit then is the business objective that realizes authorizing client's credit line, carries out credit.So, to be finance service specifically reflect at client's credit policy credit line, the credit funds that the client can obtain must be based on the credit line of being ratified of finance service, implement various giving credit contracts under the constraint condition of amount, the accrediting amount is a kind of risk management measures in fact.Secondly, various financial giving credits comprise credit, guarantee etc., because the medium-sized and small enterprises industry is numerous and be penetrated into each corner of national economy, so the financial demand of medium-sized and small enterprises varies certainly.At present, each tame bank, guarantee corporation, small-loan company etc. are engaged in the demand of the mechanism of medium-sized and small enterprises provide financing services at medium-sized and small enterprises, have developed the multiple business product, and content is very numerous and diverse.By business diagnosis, we find that the general character of different financial credit products also is a credit line, and enterprise schema, the valid period of relevant credit line have constituted the basic design characteristics of financial credit product.
Summary of the invention
The purpose of this invention is to provide a kind of informationalized amount control method based on accrediting amount management system.
Purpose of the present invention realizes by following technical scheme is provided: a kind of amount control method based on accrediting amount management system, described accrediting amount management system comprises client terminal device, network equipment, server unit, data bus and database, described server unit is provided with: the credit accounts management devices, amount applications management device, amount is examined management devices and quota control and recovery management device, each device on the above-mentioned server unit all is connected to client terminal device by network equipment, be connected to database by data bus, may further comprise the steps: amount is used with the recovery management device and is received the loan origination instruction; Whether amount uses the accrediting amount used by credit accounts management devices verification loan origination with recovery device within account amount scope, if within account amount scope, then, amount is used and to be carried out remaining sum with recovery device by the credit accounts management devices in credit accounts and reduce processing.
Preferably, method is further comprising the steps of: after amount is reduced processing, and database update client credit accounts information.
Preferably, method is further comprising the steps of: if the credit accounts type is the circulation giving credit, after the client refunded, amount used the amount of finishing account by the credit accounts management devices with the recovery management device to recover to handle.
Preferably, method is further comprising the steps of: after amount is recovered to handle, and database update client credit accounts information.
Preferably, described credit accounts management devices comprises: individual event account working managent component, the customer account information change when being used to finish the individual event credit; Integrated service account management element, the customer account information change when being used to finish comprehensive credit line; Group's account working managent component, the customer account information change when being used to finish group's credit; Associating giving credit account management element, the customer account information change when being used to finish many clients associating credit; Circulation credit control element is used to provide the amount of every giving credit to recycle control function.
Preferably, described customer account information comprises that amount balance amount information, amount are reduced information, amount is used information, closed information, circulation accrediting amount recovering information.
Preferably, described amount is used with the recovery management device and comprised: amount is used the registration element, is used to register the quantity of amount use and produce amount request for utilization information; Amount is used and is confirmed element, and the competent authorities that are used to provide amount to reduce confirm function; The amount resetter is used to provide the amount restore funcitons of the system under the circulation credit situation; Amount is used the result queries element, is used to provide the function of inquiry amount operating position.
Preferably, described network equipment is internet or internal lan.
Beneficial effect of the present invention is embodied in: as support platform, carry out automatic amount control by the setting of system by the infotech means, retrain the follow-up credit particulars of a contract, avoid the credit that exceeds the quata.
Description of drawings
The invention will be further described below in conjunction with accompanying drawing:
Fig. 1: the framework synoptic diagram of accrediting amount management system of the present invention.
Fig. 2: the framework synoptic diagram of specializing of accrediting amount management system of the present invention.
Fig. 3: the amount control flow chart of accrediting amount management system of the present invention.
Embodiment
Levy in the giving credit system, the accrediting amount is a key concept, accrediting amount management system then is a core component wherein, the present invention has disclosed a kind of accrediting amount management system, as shown in Figure 1, accrediting amount management system is made of client terminal device, network equipment, server unit, data bus and database, and described client terminal device is connected with server unit by network equipment, and described server unit is connected to described database by data bus.
Wherein:
Client terminal device is user's a operator's console, is a kind of User Interface, and the user fills in the result of data, the request of submission business processing, acceptance and display process by client terminal device.
Server unit is the lift-launch platform of processing element, and some treating apparatus have been installed in server unit inside, carries out the business processing step according to the programmed logic that presets.
Network equipment is to be used for the parts of Connection Service apparatus and client terminal device, finish the function of the data transmission between server unit and the client, network equipment can select public network (being the internet), private network forms such as (being intramural private local area network) to realize.
Database is the device of message exchange and storage between each parts, carries each processing element visit by server unit by it.
Introduce the concrete framework of accrediting amount management system below.
As shown in Figure 2, some treating apparatus in the server unit of aforesaid accrediting amount management system specifically comprise: credit accounts management devices, amount applications management device, amount are examined formations such as management devices and amount use and management device, and the related data in these device processing procedures all is stored in the database.These devices all are connected to client terminal device by network equipment, are connected to database by data bus.
Next coming in order are introduced the 26S Proteasome Structure and Function of each treating apparatus in detail.
One, credit accounts management devices
This system provides a kind of method that can adapt to various credit management modes, can be compatible the professional credit of individual event, integrated service credit, the professional credit of group, associating credit, circulation credit isotype, the every financial giving credit product on thus can compatible investment and financing at present market.This method is based on the account management to credit line, and by the configuration of account parameters being satisfied the amount structure distribution of different credit patterns, change that simultaneously can also the whole process control accrediting amount.
This device comprises parts such as individual event account working managent component, integrated service account management element, group's account working managent component, associating giving credit account management element, circulation credit control element.
Wherein:
Amount balance amount information, amount when individual event account working managent component is finished the individual event credit reduced information, amount use information, closed the management function of information, circulation accrediting amount recovering information, follows the tracks of the omnidistance situation of change of amount.
Amount balance amount information, amount when integrated service account management element is finished comprehensive credit line reduced information, amount use information, closed the management function of information, circulation accrediting amount recovering information, follow the tracks of the omnidistance situation of change of amount, this element can also be every independently sub-account of professional foundation.
Amount balance amount information, amount when group's account working managent component is finished group's credit reduced information, amount use information, closed the management function of information, circulation accrediting amount recovering information, follow the tracks of the omnidistance situation of change of amount, this element can be set up independently sub-account for each subsidiary company.
Amount balance amount information, amount when associating credit account management element is finished a plurality of enterprise implement cooperations financing reduced the management function that information, amount are used information, closed information, circulation accrediting amount recovering information, follow the tracks of the omnidistance situation of change of amount, this element can be set up independently sub-account for each enterprise.
Circulation credit control element then is the control function that provides amount to recycle for every giving credit kind.
Two, amount applications management device
The amount application is the requirement of client (credit applicant) according to credit mechanism (for example financial institution, guarantee agency etc.), preparation service data, the process of application credit line.Amount applications management device provides the function of the information processing of being correlated with, and comprises that the material preparation is handled, the function of submission credit application.
Structurally, amount applications management device comprises parts such as customer data pretreatment element, customer data query element, amount application submission element.Wherein:
The customer data pretreatment element finish to the arrangement of the Business Information of the various declarations of client, draft make automatically, function such as storage administration, the user can utilize the official documents and correspondence work before this element is handled the amount application efficiently.
The customer data query element provides the search-read function to the various declaration materials of client, comprises that money transfers report and client traffic application information, and this element can start when the client applies for amount at any time examining.
The submit applications element provides the driving function of amount application process, after the user is ready to apply for the declaration material, by starting this element, the declaration material that the amount application is relevant is sent into the amount application process, really examines processing by follow-up competent authorities.
Three, amount is examined management devices
It is that to the business procedure that the amount application material of reporting and submitting is examined, confirmed or returns, it then is the information-based processing element that realizes this service link that amount is examined management devices in fiduciary work competent authorities (examining meeting as believing) that amount is examined management devices.Examine in the management devices in amount, comprised that amount examination element, amount are registered element, amount is examined inquiry element etc., wherein:
Amount examination element provides registration to examine process and has finally examined function such as object information, has contained these various process informations of examining, comprises that who examines, agrees/disagree with, finally determine to authorize particular contents such as amount.
Amount registration element is finished the function that approved credit line is registered in credit accounts, determine the initial remaining sum of client's giving credit.
Amount is examined the inquiry element and is provided suggestions made after examination and the inquiry and the double check function of examining object information.
Four, amount is used and the recovery management device
Amount is used and the recovery management device is that financial institution and guarantee agency carry out the credit result; sign credit or contract of guaranty with the client; the business procedure of offering loans; its business tine comprises; after contract signing, loan origination; the accrediting amount will be done accordingly and reduce, and for the circulation credit, needs to carry out amount again and recover after the client refunds.Amount use and management device is exactly the parts that satisfy this business information management.
Amount is used and the recovery management device comprises that element is registered in the amount use, amount is used and confirmed element, amount resetter, amount use result queries element etc.Wherein:
Amount uses the registration element that the practical business information that a situation arises is provided, and registers the quantity that amount is used according to business information, and produces amount request for utilization information, is confirmed by competent authorities.
Amount is used the affirmation function of confirming that element provides amount to reduce, is operated by competent authorities, controls the risk of loan origination thus.
The amount resetter provides under circulation credit situation, after the client finishes refund, and the function of system recovery amount.
The situation that amount uses the result queries element to provide the inquiry amount to use comprises Contract NO, customer name, amount use date, uses information such as the amount of money and lending bank.
Below introduce the risk control realization flow based on the amount control method of accrediting amount management system of the present invention.
The invention provides a kind of risk-control mechanism, carry out automatic amount control, retrain the follow-up credit particulars of a contract, avoid the credit that exceeds the quata by the setting of system based on the amount control method.As shown in Figure 3:
When the credit contract signing, when offering loans, other devices need use with the recovery management device by amount and carry out the amount control and treatment, and amount is used with the recovery management device and received the loan origination instruction.
Whether amount is used with the recovery management device and will be come the employed accrediting amount of verification within the amount scope of account by the credit accounts management devices, prevent that amount from transfiniting, if within account amount scope, then, amount is used and to be carried out amount with recovery device by the credit accounts management devices in credit accounts and reduce processing.
Credit accounts management devices agreement is based on contract finished the processing to corresponding account balance.
After amount is reduced processing, database update client credit accounts information.
After the client refunded, if the circulation credit, then amount was used with the recovery management device and will be carried out the control and treatment that amount is recovered.
Amount uses the amount of finishing account by the credit accounts management devices with the recovery management device to recover to handle.
The content that based on contract the credit accounts management devices arranges is carried out amount to corresponding account and is recovered.
After amount is recovered to handle, database update client credit accounts information.
After finishing dealing with, new database more.The present invention still has multiple concrete embodiment, and all employings are equal to replacement or equivalent transformation and all technical schemes of forming, all drop within the scope of protection of present invention.
Claims (8)
1. amount control method based on accrediting amount management system, described accrediting amount management system comprises client terminal device, network equipment, server unit, data bus and database, described server unit is provided with: credit accounts management devices, amount applications management device, amount are examined management devices and quota control and recovery management device, each device on the above-mentioned server unit all is connected to client terminal device by network equipment, be connected to database by data bus, it is characterized in that, may further comprise the steps:
Amount is used with the recovery management device and is received the loan origination instruction;
Whether amount uses the accrediting amount used by credit accounts management devices verification loan origination with recovery device within account amount scope, if within account amount scope, then,
The amount use is carried out remaining sum with recovery device by the credit accounts management devices and is reduced processing in credit accounts.
2. the amount control method based on accrediting amount management system according to claim 1 is characterized in that, and is further comprising the steps of:
After amount is reduced processing, database update client credit accounts information.
3. the amount control method based on accrediting amount management system according to claim 1 is characterized in that, and is further comprising the steps of:
If the credit accounts type is the circulation giving credit, after the client refunded, amount used the amount of finishing account by the credit accounts management devices with the recovery management device to recover to handle.
4. the amount control method based on accrediting amount management system according to claim 3 is characterized in that, and is further comprising the steps of:
After amount is recovered to handle, database update client credit accounts information.
5. the amount control method based on accrediting amount management system according to claim 1 is characterized in that: described credit accounts management devices comprises:
Individual event account working managent component, the customer account information change when being used to finish the individual event credit;
Integrated service account management element, the customer account information change when being used to finish comprehensive credit line;
Group's account working managent component, the customer account information change when being used to finish group's credit;
Associating giving credit account management element, the customer account information change when being used to finish many clients associating credit;
Circulation credit control element is used to provide the amount of every giving credit to recycle control function.
6. the amount control method based on accrediting amount management system according to claim 5 is characterized in that: described customer account information comprises that amount balance amount information, amount are reduced information, amount is used information, closed information, circulation accrediting amount recovering information.
7. the amount control method based on accrediting amount management system according to claim 1 is characterized in that: described amount is used with the recovery management device and is comprised:
Amount is used the registration element, is used to register the quantity of amount use and produce amount request for utilization information;
Amount is used and is confirmed element, and the competent authorities that are used to provide amount to reduce confirm function;
The amount resetter is used to provide the amount restore funcitons of the system under the circulation credit situation;
Amount is used the result queries element, is used to provide the function of inquiry amount operating position.
8. the amount control method based on accrediting amount management system according to claim 1 is characterized in that: described network equipment is internet or internal lan.
Priority Applications (1)
| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| CN2010105854382A CN102005011A (en) | 2010-12-13 | 2010-12-13 | Line control method based on credit line management system |
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| CN2010105854382A CN102005011A (en) | 2010-12-13 | 2010-12-13 | Line control method based on credit line management system |
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| CN102005011A true CN102005011A (en) | 2011-04-06 |
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Cited By (4)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| CN104915885A (en) * | 2015-06-01 | 2015-09-16 | 浪潮通用软件有限公司 | Processing method and device for credit business |
| CN107808340A (en) * | 2017-09-08 | 2018-03-16 | 海联金汇科技股份有限公司 | A kind of credit card management method and equipment |
| CN109146659A (en) * | 2017-06-16 | 2019-01-04 | 阿里巴巴集团控股有限公司 | Resource allocation methods and device, system |
| CN113378235A (en) * | 2021-06-02 | 2021-09-10 | 浙江数秦科技有限公司 | Distributed supply chain financial platform |
-
2010
- 2010-12-13 CN CN2010105854382A patent/CN102005011A/en active Pending
Cited By (5)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| CN104915885A (en) * | 2015-06-01 | 2015-09-16 | 浪潮通用软件有限公司 | Processing method and device for credit business |
| CN109146659A (en) * | 2017-06-16 | 2019-01-04 | 阿里巴巴集团控股有限公司 | Resource allocation methods and device, system |
| CN107808340A (en) * | 2017-09-08 | 2018-03-16 | 海联金汇科技股份有限公司 | A kind of credit card management method and equipment |
| CN113378235A (en) * | 2021-06-02 | 2021-09-10 | 浙江数秦科技有限公司 | Distributed supply chain financial platform |
| CN113378235B (en) * | 2021-06-02 | 2022-05-24 | 浙江数秦科技有限公司 | Distributed supply chain financial platform |
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Application publication date: 20110406 |