CN102214337A - Commodity transaction settlement method and system - Google Patents
Commodity transaction settlement method and system Download PDFInfo
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- CN102214337A CN102214337A CN2010101405168A CN201010140516A CN102214337A CN 102214337 A CN102214337 A CN 102214337A CN 2010101405168 A CN2010101405168 A CN 2010101405168A CN 201010140516 A CN201010140516 A CN 201010140516A CN 102214337 A CN102214337 A CN 102214337A
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Abstract
The invention discloses a commodity transaction settlement method and system, which can effectively solve the two problems of difficulty in financing and settlement of small and medium enterprises in the field of commodity transaction settlement. The technical scheme is as follows: a settlement center is introduced besides a supplier, a purchaser and a third-party logistics (TPL), thus integrating the purchaser, the supplier, the TPL and the settlement center tightly and organically as a common body. A triangular circular flow chain is formed among the settlement center, the supplier and the purchaser, namely, the settlement pays the supplier in advance, and then the purchaser repays the delayed factoring goods payment to the settlement center in a preset period. Under the pattern, a whole supplying chain financial system is controlled by an electronic business information system, thus removing all anthropic factors, being capable of realizing rapid payment return of the supplier by realizing real transaction and delivery only if commodities are good for sales, and thoroughly solving the dilemma of difficulty in payment settlement.
Description
Technical field
The present invention relates to commodity transaction settlement method and system, relate in particular to the commodity transaction settlement method and the system that are applicable to medium-sized and small enterprises.
Background technology
Reform and opening-up is over 30 years, the medium-sized and small enterprises of China have obtained developing rapidly, the development of medium small enterprises present situation has reached the forty-two million family at present, accounted for 99.8% of national enterprise sum, national GDP contribution has been surpassed 60%, 80% cities and towns job is provided, and 82% new product development comes from medium-sized and small enterprises, and medium-sized and small enterprises have become one of important motivity of bringing about a prosperous economy, expand employment, adjusting structure, promotion innovation.
Propose in Dec, 2009 " Central Economic Working Conference ": current will laying stress on strengthened on small and medium-sized cities and the Development of Small Cities and Towns, to the qualified agricultural transfer of solution population progressively be obtained employment in cities and towns and settle as the vital task of carrying out the process of urbanization, relax the restriction of small and medium-sized cities and cities and towns household register, adhere to proactive employment policy more, make great efforts to expand employment.Guiding and promotion labor-intensive enterprises, medium-sized and small enterprises, private economy, various service sector are accelerated development.
The decision of " Central Economic Working Conference " is a great strategic decision with milestone significance.Following 20 years, estimate annually will to have 2,000 ten thousand peasant and enter urban life work, therefore must strengthen the speed of cultivating the development medium-sized and small enterprises, good development living environment must be provided, just can provide a large amount of jobs, the harmony that could ensure society is stable, could guarantee carrying out of policy of Central Government, forms the continuable economic development general layout of expanding domestic demand.
Investigate according to relevant department, present per thousand people of medium-sized and small enterprises of China have only 11, and per thousand people of developed country have 45, per thousand people of other developing countries also reach 25, the medium-sized and small enterprises average of this explanation China is in the world and falls behind level, the reason that falls behind is that the living environment of medium-sized and small enterprises of China is poor, causes the The average survival time cycle very short.According to five city enterprise's life cycle investigation statisticses such as Shenzhen and Guangzhou, Changsha, Zhengzhou, Chengdu, most enterprises in five cities all survived less than 5 years, the medium-sized and small enterprises average life cycle is 4.32, wherein enterprise accounts for 44.31% of whole enterprises below 3 years, the enterprise more than 25.66%, 10 year that the enterprise of 3-5 accounts for whole enterprises only accounts for 6.95%.The medium-sized and small enterprises life cycle of Shenzhen is the shortest, has only 2.55.Survival just accounts for 63.45% of sum less than the enterprise in 3 years, and the enterprise that the enterprise of 3-5 accounted for more than 24.57%, 10 year only has 0.06%.
Cause Small and Medium Enterprises in China life cycle weak point, the backward reason of sme development ratio to have a lot, wherein most important reason has two: the firstth, and the medium-sized and small enterprises financing difficulties; The secondth, it is difficult that the payment for goods clearing are steam again.
The medium-sized and small enterprises financing difficulties is a global problem, also is the biggest problem that current China runs in vast sme development.Because the height commercialization of banking industry, owing to reasons such as medium-sized and small enterprises small scale, capital assets are few, bank, financial institution be for taking precautions against credit risk, to the threshold height of the loan setting of medium-sized and small enterprises, examination is tight, amount is low, the cycle is short, the high universal phenomenon that become of interest rate.The pattern of lending of generally taking such as present bank is mortgage and pledges, the strong point of this mode is that loan is safe, risk is little, but the assessment of this loan form, demonstration time are grown, link is many, formality is numerous and diverse, charge is too high, not only the utmost point is not easy to the medium-sized and small enterprises loan, but also has improved the cost of Corporate finance greatly.
In order to solve this difficult problem, the Party Central Committee, State Council and local governments at all levels are all try every possible means to promote the financial service The Reform by every possible means, for vast medium-sized and small enterprises are removed difficulties and alleviated sufferings.
In fact, the medium-sized and small enterprises financing difficulties is not the phenomenon that just occurs today, in fact is long-standing old problem, only under the overall background of present world crisis, just makes medium-sized and small enterprises financing difficulties problem cause more concern.
From whole macroscopic view and financial structure, the circulating capital that China is provided to enterprise by bank is that the whole world is the highest.The statistical data of Central Bank shows that at the year ends 1997, financial institution's loan of operating fund remaining sum is 5.9 trillion yuan, with the GDP ratio be 80%; 2003 the year end financial institution's loan of operating fund remaining sum be 10.2 trillion yuan, with the GDP ratio be 88%.2004 6 the end of month, financial institution's loan of operating fund remaining sum was 10.6 trillion yuan, with the first half of the year GDP ratio folding annual rate then up to 90%.By the year ends 2007, China GDP total amount is 24.66 trillion yuan, and financial institution's RMB loan amount of money has risen to 26.17 trillion yuan, and this phenomenon shows that financial institution's loan of operating fund and GDP ratio are in rising trend always.China's loan of operating fund in 2009 is up to 39.76 trillion yuan, and volume of credit is big, and from 2007, financial institution's loan of operating fund accounted for the 6DP ratio and just surpasses 100%, wherein under cover bigger financial risks.Compare with other countries, this ratio of China is the highest, and the same ratio of a lot of countries has only 5% all below 10% as Malaysia.
Under the very high situation of China's loan of operating fund macro ratio, vast medium-sized and small enterprises still generally are in the nervous quagmire of circulating capital, and this is a kind of economic phenomenon that is worth very much further investigation.
In China's supply chain field of circulation, on each intermediate links of starting material transaction, parts transaction, finished product transaction, the situation that the purchaser is in arrears with supplier's payment for goods is very general.Especially the vast medium-sized and small enterprises that are in a disadvantageous position, payment for goods is occupied, and the phenomenon that difficulty is steam again in the payment for goods clearing is very serious, and enterprise's accounts receivable constantly rises, and has formed very long debt chains, and this is to have aggravated the main root of medium-sized and small enterprises financial difficulty.
At present, the chain retailer of China's overwhelming majority all adopts supplier to spread the settlement method that goods, payment for goods are delayed payment earlier, and the accounting period is substantially all more than 3 months.The most integrated manufacturer of China adopts all to starting material, components supplying enterprise that supplier supplies earlier, payment for goods is deferred payment, and deferred billing was for up to three months or longer.Account for the medium-sized and small enterprises of China supplier absolute majority because difficulty is steam again in the payment for goods clearing, also make bank finance mechanism more reluctant to lend to medium-sized and small enterprises, medium-sized and small enterprises capital turnover difficulty pressure is made the matter worse for this.Since large enterprises in large quantities, surging ground, do not become this locality to occupy the medium-sized and small enterprises payment for goods, inevitably also having caused a large amount of mobile capitals to enter virtual market and real-estate market, also is to cause Chinese Stock Market to speculate one of major reason of phenomenon and real estate market foam expansion.Be in arrears with because of payment for goods clearing between supplier and the purchaser and cause contradiction, even caused a large amount of economic litigation cases, increased many social economies cost, had a strong impact on China's commercial credit construction, influenced social harmony.
Cash flow is the lifeline of enterprise, and cash is the blood of enterprise, and fund flows soon more, and turnover frequency is high more, and its value-added space is just big more.The payment for goods of medium-sized and small enterprises is taken in a large number, can not in time steam again, and just equals original malnourished people and is constantly drawn blood, and we can say that it is one of basic reason of quickening medium-sized and small enterprises death that difficulty is steam again in the payment for goods clearing.
It is to perplex two hang-ups of China's economic development for a long time that difficulty is steam again in medium-sized and small enterprises financing difficulties, payment for goods clearing, also is the maximum bottleneck of China's restriction sme development.Research, exploitation, structure financial innovation system, efficiently and effectively solves the medium-sized and small enterprises financing difficulties and difficult two hang-ups are steam again in payment for goods, has become the current vital task that presses for solution of China.
Summary of the invention
The objective of the invention is to address the above problem, a kind of commodity transaction settlement system is provided, this system integrates factors of circulation such as cash flow, commodity stream, information flow, finance, trade, information business, logistics business are realized organically combining down from the state that stick separates, effectively crack the financing difficulties and the difficult two large problems of clearing that are faced at commodity transaction clearing field medium-sized and small enterprises.
Another object of the present invention has provided a kind of commodity transaction settlement method.
Technical scheme of the present invention is: the present invention has disclosed a kind of commodity transaction settlement system, participate in by purchaser, supplier, settlement center, financial institution and third-party logistics, this system comprises each other the purchaser's platform by this purchaser's operation that connects by network, by the vendor platforms of this supplier's operation, by settlement center's platform of this settlement center's operation, by the financial institution services platform of this financial institution's operation and by the third-party logistics platform of this third-party logistics operation, wherein:
This purchaser's platform further comprises:
The procurement information sending module, the procurement information that this purchaser is provided is sent to this third-party logistics platform;
The goods receiver module receives the buying goods that passes on from this third-party logistics platform;
Payment for goods payment instruction transmitting element checks sending the payment for goods payment instruction to this settlement center's platform after third-party logistics platform shipment is completed a business transaction information;
Towards the repaying module, will import the account of this settlement center by the payment for goods in full that this financial institution's factoring is paid for first in advance;
This vendor platforms further comprises:
Goods information provides module, and the goods information that this supplier is provided is sent to this third-party logistics platform;
The acknowledgement of orders module, by this third-party logistics platform and this purchaser alternately to confirm purchase order;
Delivery of goods module is forwarded to this purchaser with goods by this third-party logistics platform after the affirmation of finishing purchase order;
The payment for goods receiver module receives the payment for goods from the account of this settlement center of being paid for first in advance by this financial institution's factoring;
This third-party logistics platform is as intermediary's platform of this purchaser and this supplier, receive the procurement information that goods information that this supplier provides and this purchaser send, this purchaser and this supplier are by the affirmation of this third-party logistics Platform Implementation sequence information, and this supplier's goods is forwarded to this purchaser according to the sequence information of confirming, simultaneously sequence information, the freight transportation state of confirming behind this purchaser, is sent to this settlement center's platform by the purchaser with the payment for goods payment instruction with the delivery of goods;
This settlement center's platform further comprises:
The sequence information receiving element receives the sequence information of sending from this third-party logistics platform;
Freight transportation state receiving element receives the information of the freight transportation state of sending from this third-party logistics platform;
Payment for goods payment instruction receiving element, the payment for goods payment instruction that reception is sent from this purchaser's platform, after being checked third-party logistics platform shipment is completed a business transaction information, instruct this financial institution by the account of this settlement center and according to dealing with the information payment for goods after this supplier pays for deduction management service expense first in advance, the management service expense is collected by this settlement center;
The receivables and payables information transmitting unit sends information of dealing with of paying for first to this supplier and the receivable information that needs to collect to this purchaser of needing to this financial institution services platform;
Real receive the real information receiving unit of paying, receive the actual reality of paying for first that this financial institution services platform sends and pay information and the actual real breath of collecting to this purchaser of collecting mail to this supplier;
The detailed unit of account, by with the affirmation of the detailed situation of the account of this settlement center of mutual realization of this financial institution services platform;
This financial institution services platform further comprises:
The receivables and payables information receiving unit receives need that this settlement center's platform sends to this supplier information of dealing with of paying for first and the receivable information that needs to collect to this purchaser;
The real information transmitting unit of paying of real receipts sends actual reality of paying for first to this supplier to this settlement center's platform and pays information and the actual real breath of collecting to this purchaser of collecting mail;
The detailed interactive unit of account, by with the affirmation of the detailed situation of the account of this settlement center of mutual realization of this settlement center's platform;
The payment for goods payment unit after obtaining the payment for goods payment instruction that this settlement center's platform sends, according to dealing with information, is paid for payment for goods by the account of this settlement center first to this supplier;
The repaying receiving element receives the payment for goods that this purchaser postpones payment and repays to realize the factoring payment for goods in the default time limit.
According to an embodiment of commodity transaction settlement system of the present invention, this network comprises cable network, wireless network or satellite communication network.
According to an embodiment of commodity transaction settlement system of the present invention, this third-party logistics platform further comprises:
The centralized purchasing execution module, it further comprises:
Trade company's administrative unit, the purchaser of management system registration and supplier's information;
The trade relations unit, the purchaser of storage system registration and the trade relations between the supplier;
Goods catalogue lock unit receives the goods information that sends from this vendor platforms and is stored in goods catalogue in this third-party logistics platform with real-time update;
The purchase order unit, this supplier and this purchaser realize the affirmation of purchase order by this purchase order unit;
The delivery unit sends goods according to the sequence information of confirming to this purchaser;
The confirmation unit of receiving receives the feedback of the reception condition of the goods that this purchaser sends this third-party logistics platform;
The third-party logistics execution module, it further comprises:
The order management unit carries out alternately with this delivery unit in this centralized purchasing execution module and this confirmation unit of receiving, the management of realization order status;
The warehousing management unit manages the warehouse goods situation;
The transportation management unit manages the freight transportation situation.
According to an embodiment of commodity transaction settlement system of the present invention, this settlement center's platform also comprises:
Goods quality guarantee gold is collected module, collects to this supplier to be used to guarantee the guaranty money of goods quality and to be stored in the account of this settlement center, treats to return this supplier after the goods quality is confirmed to finish.
The present invention has also disclosed a kind of commodity transaction settlement method, participate in by purchaser, supplier, settlement center, financial institution and third-party logistics, by by purchaser's platform of this purchaser operation, by the vendor platforms of this supplier's operation, by settlement center's platform of this settlement center's operation, by the financial institution services platform of this financial institution's operation and by realizing that alternately method comprises between the third-party logistics platform of this third-party logistics operation:
This supplier is sent to this third-party logistics platform by this vendor platforms with the goods information that can provide;
This purchaser purchases based on the goods information of showing on this third-party logistics platform from this supplier, and procurement information is sent to this third-party logistics platform;
This purchaser and this supplier are that intermediary carries out alternately with this third-party logistics platform, and information confirms an order;
The transfer that this third-party logistics platform is transmitted as goods, to be forwarded to this purchaser from this supplier's goods according to the sequence information of confirming, information with sequence information and freight transportation state in repeating process sends to this settlement center's platform in real time, and when goods arrived this purchaser, this purchaser's platform sent the instruction of making loans to this settlement center's platform;
After the goods that the being checked third-party logistics platform of this settlement center's platform provides is completed a business transaction information and this purchaser's the instruction of making loans, provide information of dealing with of paying for first and the receivable information that needs to collect of needing to this financial institution services platform to the purchaser to supplier according to order transaction information;
This financial institution uses the payment for goods of account after this supplier pays for deduction settlement center management service expense first of this settlement center according to dealing with information, and the management service expense is collected by this settlement center, checks the account detail with this settlement center when paying for first;
This purchaser converged the payment for goods of postponing payment to the account of this settlement center in the default time limit, this financial institution pays for reality first to this supplier reality is paid information and is sent to this settlement center's platform with the actual real breath of collecting to this purchaser of collecting mail, and checks the account detail with this settlement center in the money receiving that the purchaser postpones payment.
Embodiment according to commodity transaction settlement method of the present invention, realize information transmission by network between this purchaser's platform, this vendor platforms, this third-party logistics platform, this settlement center's platform and this financial institution services platform, this network comprises cable network, wireless network or satellite communication network.
According to an embodiment of commodity transaction settlement method of the present invention, this method also comprises:
This settlement center collects the guaranty money who is used to guarantee the goods quality to this supplier, treats to return to this supplier again after the goods quality obtains confirming.
The present invention contrasts prior art following beneficial effect: the present invention has introduced settlement center outside supplier, purchaser and third-party logistics, makes purchaser, supplier, third-party logistics and settlement center be integrated into a community that closely is connected and organically combines.Settlement center is a triangle circular flow chain to settlement center to supplier to the purchaser again, that is, there is settlement center to pay for payment for goods first earlier to supplier, in intended duration, the factoring payment for goods of postponing payment is repaid to settlement center again by the purchaser.Under this pattern of the present invention, because whole supply chain financial sector is to be controlled by the electronic commerce information system, got rid of any human factor, as long as commodity are marketable, realize true sale, complete a business transaction, just can make supplier realize the payment for goods withdrawal of currency from circulation fast, thoroughly solve the difficult quagmire of payment for goods clearing.Because the timely withdrawal of currency from circulation of payment for goods can make supplier accelerate the business capital rate flow, improve efficiency in the use of funds, form good fund " self-hematopoiesis " mechanism, thereby reduce demand greatly financing.Because the timely withdrawal of currency from circulation of payment for goods, credit status, loan that bank, financial institution are improved medium-sized and small enterprises supplier are graded, and relax the loan restriction, and helping raising funds is used for the exploitation of new product, new technology, improves economic benefit of enterprises.Supplier can inquire about the distribution state of this enterprise product on supply chain in real time, and according to real-time distribution state in time rationally arrange production, organizer material, components supplying and adjustment product variety, make the potentiality of each link be maximized performance, can effectively reduce the monetary cost of links such as buying, stock, avoid and reduce the wasting of resources, reduce financial cost, improve the business economic benefit, form good operation control state.Because the payment for goods fund is to realize fair clearing by settlement center, can make supplier reduce that the arbitrarily interim additional incidentals as a multitude of names such as shop-establishment celebration expense, festival celebration expense, movable expenses of many purchasers are in the past paid and the grey transaction cost of clearing link.Because settlement center has carried out unconditional factoring payment for goods and has paid for first, the payment for goods that can make the purchaser obtain certain hour is postponed payment the phase, therefore can significantly reduce purchaser's payment for goods payment pressure, the purchaser has been increased because the fund used of postponing payment and being accumulated, make enterprise reduce financed amount, reduced finance costs, reduced the financing public relation spending and used.Because the payment for goods clearing are responsible for processing by settlement center, can make the purchaser reduce the financial transaction amount, have reduced financial labour cost and handling cost.Also significantly reduce simultaneously with supplier because the contradiction that loan for the settlement of accounts takes place has promoted getting along amiably and peacefully between the enterprise.Pattern of the present invention efficiently solves the medium-sized and small enterprises financing difficulties, difficult quagmire is steam again in the payment for goods clearing, played an out and out vital role of removing difficulties and alleviating sufferings for country, can accelerate the turnover of medium-sized and small enterprises circulating fund rapidly, increase the vigor of managing of medium-sized and small enterprises, create how marketable commodity, for country increases tax revenue.Be the intensification strategic alliance of business connection syntonic type and social resources economizing type,, syntonic type society and conservation-minded society's construction all had direct and the most tangible impetus reducing social economy's operation cost.Along with the popularization of pattern of the present invention, will form the benign development environment of " credit settlement → guarantee payment for goods withdrawal of currency from circulation → raising business capital turnover rate → minimizing financing demand → lifting enterprise operation vigor → provide new job → quickening urbanization to develop → expand domestic demand ".
Description of drawings
Fig. 1 is the structural drawing of the embodiment of commodity transaction settlement system of the present invention.
Fig. 2 is the schematic diagram of the embodiment of third-party logistics platform of the present invention.
Fig. 3 is the schematic diagram of the embodiment of purchaser's platform of the present invention.
Fig. 4 is the schematic diagram of the embodiment of vendor platforms of the present invention.
Fig. 5 is the schematic diagram of the embodiment of settlement center of the present invention platform.
Fig. 6 is the schematic diagram of the embodiment of financial institution services platform of the present invention.
Fig. 7 is the process flow diagram of the embodiment of commodity transaction settlement method of the present invention.
Embodiment
The invention will be further described below in conjunction with drawings and Examples.
The embodiment of commodity transaction settlement system
Fig. 1 shows the structure of the embodiment of commodity transaction settlement system of the present invention.See also Fig. 1, the commodity transaction settlement system of present embodiment comprises purchaser's platform 1, vendor platforms 2, settlement center's platform 3, financial institution services platform 4 and third-party logistics platform 5.Set up data by network between these platforms are mutual and connect, the implementation of network can be cable network, wireless network or satellite communication network etc.
Following elder generation is the course of work of descriptive system on the whole.
Supplier is sent to third-party logistics platform 5 by vendor platforms 2 with the goods information that can provide (being the information flow arrow of products catalogue shown in Figure 1, price etc.), the supply information of these goods comprises supply information of the goods catalogue that will sell, bid price, sales volume etc., all be stored on the third-party logistics platform 5, also show to numerous purchasers simultaneously by third-party logistics platform 5.
The purchaser carries out goods buying (being the information flow arrow of procurement information) based on the goods information of showing on the third-party logistics platform 5 from supplier by purchaser's platform 1.Procurement information comprises the type of merchandize that will buy, purchasing price, quantity purchase etc.
After this, purchaser and supplier are intermediary with third-party logistics platform 5, carry out alternately the information that confirms an order at last (i.e. the information flow arrow of the acknowledgement of orders information among the figure).Confirmed after the order, supplier by vendor platforms 2 with the delivery of goods to third-party logistics platform 5 (the commodity stray arrow head that promptly dotted line is represented among the figure).Third-party logistics platform 5 will be forwarded to the purchaser from supplier's goods, information with sequence information and freight transportation state in the goods repeating process is sent to settlement center's platform 3 (i.e. the information flow of " sequence information " among the figure and " travel position, deliver goods state etc. ") in real time, and when goods arrives the purchaser, send the instruction of making loans to settlement center's platform 3 by purchaser's platform 1.
After the payment instruction that the information that settlement center's platform 3 being checked third-party logistics platforms 5 provide and purchaser's platform 1 send, provide the information of dealing with that pay for first to supplier and the receivable information (i.e. the information flow of " should collect, deal with information " among the figure) that should collect to the purchaser to financial institution services platform 4 (for example bank) according to the order transaction information that includes the clearing situation.
Financial institution services platform 4 is according to dealing with information, use the account of settlement center to pay for payment for goods (for example cash flow of the payment of the payment for goods among the figure) first, when paying for first, check account detail (i.e. the information flow of " the account detail " among the figure) with settlement center's platform 3 to supplier.
The purchaser imports the account of settlement center on financial institution services platform 4 by purchaser's platform 1 with the payment for goods of postponing payment in the time limit that configures, to dash repaying.Financial institution services platform 4 is paid for reality first to supplier reality is paid information and is sent to settlement center's platform 3 with the actual real breath of collecting to the purchaser of collecting mail, and checks account detail (i.e. the information flow of " the account detail " among the figure) with settlement center's platform 3 in the money receiving that the purchaser postpones payment.
The implementation procedure of each platform is described respectively below.
For purchaser's platform 1, see also Fig. 3, purchaser's platform 1 of present embodiment further comprises procurement information sending module 10, goods receiver module 12, towards repaying module 14 and payment for goods payment instruction sending module 16.The procurement information that procurement information sending module 10 is responsible for the purchaser is provided is sent to third-party logistics platform 5.Goods receiver module 12 receives the buying goods that passes on from third-party logistics platform 5.Payment for goods payment instruction transmitting element 16 is checked and is sent the payment for goods payment instruction to settlement center's platform 3 after third-party logistics platform 5 shipments are completed a business transaction information.Fill payment for goods in full that repaying module 14 is used for that financial institution is paid for first in advance and import the account of settlement center.
For vendor platforms 2, see also Fig. 4, the vendor platforms 2 of present embodiment comprises that further goods information provides module 20, acknowledgement of orders module 22, delivery of goods module 24 and payment for goods receiver module 26.The goods information that goods information provides module 20 that supplier is provided is sent to third-party logistics platform 5.Acknowledgement of orders module 22 by third-party logistics platform 5 and purchaser alternately to confirm purchase order.Delivery of goods module 24 is transmitted to the purchaser with goods by third-party logistics platform 5 after the affirmation of finishing purchase order.Payment for goods receiver module 26 receives the payment for goods from the account of settlement center of being paid for first in advance by financial institution.
For third-party logistics platform 5, see also Fig. 2, the third-party logistics platform 5 of present embodiment further comprises centralized purchasing execution module 50 and third-party logistics execution module 52.Wherein centralized purchasing execution module 50 comprises trade company's administrative unit 500, trade relations unit 501, goods catalogue lock unit 502, purchase order unit 503, delivery unit 504 and the confirmation unit 505 of receiving.Third-party logistics execution module 52 comprises order management unit 520, warehousing management unit 521 and transportation management unit 522.
The purchaser of trade company's administrative unit 500 management systems registration and supplier's information that is to say, the purchaser in the present embodiment must be a relevant member unit of settlement center with the supply commercial city, must accept certain rules and regulations constraint.The purchaser of trade relations unit 501 storage systems registration and the trade relations between the supplier.Goods catalogue lock unit 502 receives the goods information that sends from vendor platforms 2 and is stored in goods catalogue in the third-party logistics platform 5 with real-time update.Supplier and purchaser realize the affirmation of purchase order by purchase order unit 503.Delivery unit 504 sends goods according to the sequence information of confirming to the purchaser.The confirmation unit 505 of receiving receives the feedback of the reception condition of the goods that purchasers send third-party logistics platform 5.Payment for goods payment instruction transmitting element 506 is after goods arrives at the purchaser, send the payment for goods payment instruction to settlement center's platform 3 by the payment for goods payment instruction sending module in purchaser's platform 1 16, use the account of settlement center to provide the payment for goods of deducting after management service is taken to supplier by settlement center's platform 3 instruction financial institution services platforms 4, the management service expense is collected by settlement center.
The delivery unit 504 and the confirmation unit 505 of receiving in order management unit 520 and the centralized purchasing execution module 50 carry out alternately, realize the management of order status.Warehousing management unit 521 is used for the warehouse goods situation is managed.Transportation management unit 522 is used for the freight transportation situation is managed.
For settlement center's platform 3, see also Fig. 5, further comprise sequence information receiving element 30, freight transportation state receiving element 31, payment for goods payment instruction receiving element 32, receivables and payables information transmitting unit 33, real real pair information receiving unit 34 and the detailed unit 35 of account received.Sequence information receiving element 30 receives the sequence information of sending from third-party logistics platform 5.Freight transportation state receiving element 31 receives the information of the freight transportation state of sending from third-party logistics platform 5.Payment for goods payment instruction receiving element 32 receives the payment for goods payment instruction of sending from purchaser's platform 1, and instruction financial institution pays for payment for goods first to supplier by the account of settlement center in advance according to dealing with information.Receivables and payables information transmitting unit 33 sends information of dealing with of paying for first to supplier and the receivable information that needs to collect to the purchaser of needing to financial institution services platform 4.The real information receiving unit actual reality of paying for first to supplier that 34 reception financial institution services platforms 4 the are sent information of paying of paying of real receipts ceases to real collection of letters that the purchaser collects with reality.The detailed unit 35 of account by with the affirmation of the detailed situation of the account that realizes settlement center alternately of financial institution services platform 4.
In addition, preferable, an embedded goods quality guarantee gold is collected module in settlement center's platform 3, collects to supplier to be used to guarantee the guaranty money of goods quality and to be stored in the account of settlement center, treats to return supplier after the goods quality is confirmed to finish.
For financial institution services platform 4, see also Fig. 6, financial institution services platform 4 further comprises receivables and payables information receiving unit 40, real real pair information transmitting unit 41, the detailed interactive unit 42 of account, payment for goods payment unit 43 and the repaying receiving element 44 received.The need that receivables and payables information receiving unit 40 reception settlement center platforms 3 are sent are to supplier information of dealing with of paying for first and the receivable information that needs to collect to the purchaser.The real information transmitting unit 41 of paying of real receipts is paid information and the actual real collection of letters breath of collecting to the purchaser to the actual reality of paying for first to supplier of settlement center's platform 3 transmissions.The detailed interactive unit 42 of account by with the affirmation of the detailed situation of the account of the mutual realization settlement center of settlement center platform 3.Payment for goods payment unit 43 according to dealing with information, is paid for payment for goods by the account of settlement center first to supplier after obtaining the payment for goods payment instruction that settlement center's platform 3 sends.The payment for goods that repaying receiving element 44 reception purchasers postponed payment in the default time limit is repaid to realize payment for goods.
The embodiment of commodity transaction settlement method
Fig. 7 shows the flow process of the embodiment of commodity transaction settlement method.See also Fig. 7, below each step in the commodity transaction settlement method of present embodiment is described in detail.The method of present embodiment is to realize on the commodity transaction settlement system that is based upon as shown in Figure 1, also is that each platform in the coupling system illustrates for each step in the method.
Step S100: supplier is sent to third-party logistics platform 5. by vendor platforms 2 with the goods information that can provide (being the information flow arrow of products catalogue shown in Figure 1, price etc.)
The supply information of these goods comprises the supply information of the goods catalogue that will sell, bid price, sales volume etc., all is stored on the third-party logistics platform 5, also shows to numerous purchasers by third-party logistics platform 5 simultaneously.
Step S101: the purchaser is based on the goods information of showing on the third-party logistics platform 5 from supplier, carries out goods buying (being the information flow arrow of procurement information shown in Figure 1) by purchaser's platform 1.
Procurement information comprises the type of merchandize that will buy, purchasing price, quantity purchase etc.
Step S102: purchaser and supplier are intermediary with third-party logistics platform 5, carry out alternately the information that confirms an order at last (being the information flow arrow of the acknowledgement of orders information among Fig. 1).
Step S103: confirmed after the order, supplier by vendor platforms 2 with the delivery of goods to third-party logistics platform 5 (being the commodity stray arrow head that dotted line is represented among Fig. 1).Third-party logistics platform 5 will be forwarded to the purchaser from supplier's goods, information with sequence information and freight transportation state in the goods repeating process is sent to settlement center's platform 3 (being the information flow of " sequence information " and " travel position, deliver goods state etc. " among Fig. 1) in real time, and when goods arrives the purchaser, send the instruction of making loans to settlement center's platform 3 by purchaser's platform 1.
Step S104: after settlement center's platform 3 being checked third-party logistics platform 5 shipments are completed a business transaction the payment instruction that information and purchaser's platform 1 send, provide the information of dealing with that pay for first to supplier and the receivable information (being the information flow of " should collect, deal with information " among Fig. 1) that should collect to the purchaser to financial institution services platform 4 (for example bank) according to the order transaction information that includes the clearing situation.
Step S105: financial institution services platform 4 is according to dealing with information, use the payment for goods (for example cash flow of payment for goods in Fig. 1 payment) of account after supplier pays for deduction management service expense first of settlement center, the management service expense is collected by settlement center, and financial institution services platform 4 is checked account detail (being the information flow of " account detail " among Fig. 1) with settlement center's platform 3 when paying for first.
Step S106: the purchaser imports the account of settlement center on financial institution services platform 4 by purchaser's platform 1 with the payment for goods of postponing payment in the time limit that configures, to dash repaying.Financial institution services platform 4 is paid for reality first to supplier reality is paid information and is sent to settlement center's platform 3 with the actual real breath of collecting to the purchaser of collecting mail, and checks account detail (being the information flow of " account detail " among Fig. 1) with settlement center's platform 3 in the money receiving that the purchaser postpones payment.
The present invention pays for service first for the networking business transaction provides financing and payment for goods, solves the problem that the medium-sized and small enterprises turnover of funds is slow, financing difficulty is big.With the trinity management of information flow, cash flow and goods stream, the fund security, information of guaranteeing field of circulation link accurately and transaction true.In addition, rely on the third-party logistics platform, gather Transaction Information relevant and logistics information etc., for settlement center's business provides information support with circulation of commodities.
Of the present inventionly focus on setting up of settlement center's platform, realized information flow, flow process butt joint between purchaser, supplier, third-party logistics and the financial institution by settlement center, on the basis of data sharing, realize the circulation of cash flow and commodity stream, and make that business information and financial settlement can slitless connections, help integrated.
The foregoing description provides to those of ordinary skills and realizes or use of the present invention; those of ordinary skills can be under the situation that does not break away from invention thought of the present invention; the foregoing description is made various modifications or variation; thereby protection scope of the present invention do not limit by the foregoing description, and should be the maximum magnitude that meets the inventive features that claims mention.
Claims (7)
1. commodity transaction settlement system, participate in by purchaser, supplier, settlement center, financial institution and third-party logistics, this system comprises each other the purchaser's platform by this purchaser's operation that connects by network, by the vendor platforms of this supplier's operation, by settlement center's platform of this settlement center's operation, by the financial institution services platform of this financial institution's operation and by the third-party logistics platform of this third-party logistics operation, wherein:
This purchaser's platform further comprises:
The procurement information sending module, the procurement information that this purchaser is provided is sent to this third-party logistics platform;
The goods receiver module receives the buying goods that passes on from this third-party logistics platform;
Payment for goods payment instruction transmitting element checks sending the payment for goods payment instruction to this settlement center's platform after third-party logistics platform shipment is completed a business transaction information;
Towards the repaying module, will import the account of this settlement center by the payment for goods in full that this financial institution's factoring is paid for first in advance;
This vendor platforms further comprises:
Goods information provides module, and the goods information that this supplier is provided is sent to this third-party logistics platform;
The acknowledgement of orders module, by this third-party logistics platform and this purchaser alternately to confirm purchase order;
Delivery of goods module is forwarded to this purchaser with goods by this third-party logistics platform after the affirmation of finishing purchase order;
The payment for goods receiver module receives the payment for goods from the account of this settlement center of being paid for first in advance by this financial institution's factoring;
This third-party logistics platform is as intermediary's platform of this purchaser and this supplier, receive the procurement information that goods information that this supplier provides and this purchaser send, this purchaser and this supplier are by the affirmation of this third-party logistics Platform Implementation sequence information, and this supplier's goods is forwarded to this purchaser according to the sequence information of confirming, simultaneously sequence information, the freight transportation state of confirming behind this purchaser, is sent to this settlement center's platform by the purchaser with the payment for goods payment instruction with the delivery of goods;
This settlement center's platform further comprises:
The sequence information receiving element receives the sequence information of sending from this third-party logistics platform;
Freight transportation state receiving element receives the information of the freight transportation state of sending from this third-party logistics platform;
Payment for goods payment instruction receiving element, the payment for goods payment instruction that reception is sent from this purchaser's platform, after being checked third-party logistics platform shipment is completed a business transaction information, instruct this financial institution by the account of this settlement center and according to dealing with the information payment for goods after this supplier pays for deduction management service expense first in advance, the management service expense is collected by this settlement center;
The receivables and payables information transmitting unit sends information of dealing with of paying for first to this supplier and the receivable information that needs to collect to this purchaser of needing to this financial institution services platform;
Real receive the real information receiving unit of paying, receive the actual reality of paying for first that this financial institution services platform sends and pay information and the actual real breath of collecting to this purchaser of collecting mail to this supplier;
The detailed unit of account, by with the affirmation of the detailed situation of the account of this settlement center of mutual realization of this financial institution services platform;
This financial institution services platform further comprises:
The receivables and payables information receiving unit receives need that this settlement center's platform sends to this supplier information of dealing with of paying for first and the receivable information that needs to collect to this purchaser;
The real information transmitting unit of paying of real receipts sends actual reality of paying for first to this supplier to this settlement center's platform and pays information and the actual real breath of collecting to this purchaser of collecting mail;
The detailed interactive unit of account, by with the affirmation of the detailed situation of the account of this settlement center of mutual realization of this settlement center's platform;
The payment for goods payment unit after obtaining the payment for goods payment instruction that this settlement center's platform sends, according to dealing with information, is paid for payment for goods by the account of this settlement center first to this supplier;
The repaying receiving element receives the payment for goods that this purchaser postpones payment and repays to realize the factoring payment for goods in the default time limit.
2. commodity transaction settlement system according to claim 1 is characterized in that this network comprises cable network, wireless network or satellite communication network.
3. commodity transaction settlement system according to claim 1 is characterized in that, this third-party logistics platform further comprises:
The centralized purchasing execution module, it further comprises:
Trade company's administrative unit, the purchaser of management system registration and supplier's information;
The trade relations unit, the purchaser of storage system registration and the trade relations between the supplier;
Goods catalogue lock unit receives the goods information that sends from this vendor platforms and is stored in goods catalogue in this third-party logistics platform with real-time update;
The purchase order unit, this supplier and this purchaser realize the affirmation of purchase order by this purchase order unit;
The delivery unit sends goods according to the sequence information of confirming to this purchaser;
The confirmation unit of receiving receives the feedback of the reception condition of the goods that this purchaser sends this third-party logistics platform;
The third-party logistics execution module, it further comprises:
The order management unit carries out alternately with this delivery unit in this centralized purchasing execution module and this confirmation unit of receiving, the management of realization order status;
The warehousing management unit manages the warehouse goods situation;
The transportation management unit manages the freight transportation situation.
4. commodity transaction settlement system according to claim 1 is characterized in that, this settlement center's platform also comprises:
Goods quality guarantee gold is collected module, collects to this supplier to be used to guarantee the guaranty money of goods quality and to be stored in the account of this settlement center, treats to return this supplier after the goods quality is confirmed to finish.
5. commodity transaction settlement method, participate in by purchaser, supplier, settlement center, financial institution and third-party logistics, by by purchaser's platform of this purchaser operation, by the vendor platforms of this supplier's operation, by settlement center's platform of this settlement center's operation, by the financial institution services platform of this financial institution's operation and by realizing that alternately method comprises between the third-party logistics platform of this third-party logistics operation:
This supplier is sent to this third-party logistics platform by this vendor platforms with the goods information that can provide;
This purchaser purchases based on the goods information of showing on this third-party logistics platform from this supplier, and procurement information is sent to this third-party logistics platform;
This purchaser and this supplier are that intermediary carries out alternately with this third-party logistics platform, and information confirms an order;
The transfer that this third-party logistics platform is transmitted as goods, to be forwarded to this purchaser from this supplier's goods according to the sequence information of confirming, information with sequence information and freight transportation state in repeating process sends to this settlement center's platform in real time, and when goods arrived this purchaser, this purchaser's platform sent the instruction of making loans to this settlement center's platform;
After the goods that the being checked third-party logistics platform of this settlement center's platform provides is completed a business transaction information and this purchaser's the instruction of making loans, provide information of dealing with of paying for first and the receivable information that needs to collect of needing to this financial institution services platform to the purchaser to supplier according to order transaction information;
This financial institution uses the payment for goods of account after this supplier pays for deduction settlement center management service expense first of this settlement center according to dealing with information, and the management service expense is collected by this settlement center, checks the account detail with this settlement center when paying for first;
This purchaser converged the payment for goods of postponing payment to the account of this settlement center in the default time limit, this financial institution pays for reality first to this supplier reality is paid information and is sent to this settlement center's platform with the actual real breath of collecting to this purchaser of collecting mail, and checks the account detail with this settlement center in the money receiving that the purchaser postpones payment.
6. commodity transaction settlement method according to claim 5, it is characterized in that, realize information transmission by network between this purchaser's platform, this vendor platforms, this third-party logistics platform, this settlement center's platform and this financial institution services platform, this network comprises cable network, wireless network or satellite communication network.
7. commodity transaction settlement method according to claim 5 is characterized in that, this method also comprises:
This settlement center collects the guaranty money who is used to guarantee the goods quality to this supplier, treats to return to this supplier again after the goods quality obtains confirming.
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| CN2010101405168A CN102214337A (en) | 2010-04-07 | 2010-04-07 | Commodity transaction settlement method and system |
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|---|---|---|---|
| CN2010101405168A CN102214337A (en) | 2010-04-07 | 2010-04-07 | Commodity transaction settlement method and system |
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| CN2010101405168A Pending CN102214337A (en) | 2010-04-07 | 2010-04-07 | Commodity transaction settlement method and system |
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Application publication date: 20111012 |