CN102663646A - Online financing system - Google Patents
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- CN102663646A CN102663646A CN2012101010586A CN201210101058A CN102663646A CN 102663646 A CN102663646 A CN 102663646A CN 2012101010586 A CN2012101010586 A CN 2012101010586A CN 201210101058 A CN201210101058 A CN 201210101058A CN 102663646 A CN102663646 A CN 102663646A
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Abstract
The invention provides the technical scheme of an online financing system which comprises a plurality of clients connected with a server. The server is further connected with a short message communication module, and the clients include a financer client, a market maker client and a banking supervision client, wherein the financer client is used for requesting purchase and proposing financing, the market maker client is used for purchasing goods and selling the goods to a financer, and the banking supervision client is used for supervising payment and the goods. The online financing system realizes instantaneity of information transmission and real-time information feedback, the efficiency of all parties is improved, the comprehensive cost of the all parties is reduced, loan fund is effectively supervised, and fund flow is effectively monitored.
Description
Technical field
What the present invention relates to is a kind of system that can online financing.
Background technology
In the prior art, technique known is that present financing is all carried out through bank, and bank is man-to-man credit to the side of financing; So not only credit is made loans slowly, and efficient is low, and bank there is risk in supervision to the loan fund of the side of financing; The current logical business of thing of melting is limited by credit scale and regional boundary line, has hindered further developing of provide financing services, and supervision information, bank capital information are through phone, short message mode transmission basically; Information can not realize the just-in-time processing; Inefficiency, cost is high, and this is the existing in prior technology weak point.
Summary of the invention
The object of the invention is exactly not enough to existing in prior technology, and a kind of technical scheme of online financial system is provided, and system's realization information of this scheme is transmitted just-in-time, the information real-time feedback.Each side's efficient is provided, reduces each side's integrated cost.Effectively realize supervision to loan fund; And the monitoring of funds flow.
This programme is realized through following technical measures: a kind of online financial system; Comprise a plurality of clients that are connected with server; Described server also is connected with a short message communication module; Can information be sent on the cell-phone number of setting timely, make things convenient for the staff to obtain message, described client comprises and is used to apply for to purchase, propose financing side's client of financing; Be used to carry out the goods buying and to sell goods marketmaker's client of thing of financing square cotter, the banking supervision client that is used to carry out payment for goods and supervision of the cargo.
Server comprises like lower module: agreement Registration Module, contract registration management module, account management module, supervision of the cargo module.
The agreement Registration Module is used to register financing side, bank and marketmaker's tripartite arrangement, and agreement is stored in the database, comprises financing side, bank, marketmaker and the bank's credit loan limit to financing side in the agreement;
Contract registration management module is used for registration buying, sales contract, and contract is carried out bookkeeping, and contract comprises the sales contract that financing side and marketmaker sign, the procurement contract that marketmaker and dealer sign; Contract registration management module comprises procurement contract registration management module, sales contract registration management module; After financing direction marketmaker proposed procurement request, marketmaker and dealer signed procurement contract earlier, and the marketmaker signs sales contract with financing side again, and contract is registered.
Account management module is used to write down amount and the relationship trading record that loan takes place, the loan balance of the financing side of adjustment in real time; After the execution of contract in the contract registration management module, account management module can be given financing side's loan by bank, and increases the loan balance of financing side; When financing side refunded, account management module was in time made refunding and is confirmed.
The supervision of the cargo module is used for the registration of goods and materials, the information such as the credit extension loan amount of money, quantity of inventory and value of registration financing side, and the warehouse-in and the outbound of monitoring goods and materials.
Described client is connected with server through the internet network, makes things convenient for the staff to operate accordingly like this, is beneficial to the carrying out of financing.
This shows that the present invention compared with prior art has outstanding substantive distinguishing features and obvious improvement, the beneficial effect of its enforcement also is conspicuous.
Description of drawings
Fig. 1 is the structural representation of the specific embodiment of the invention.
Among the figure, 1 is server, and 2 is the short message communication module, and 3 are financing side's client, and 4 is marketmaker's client, and 5 are the banking supervision client, and 6 is the internet network.
Embodiment
For clearly demonstrating the technical characterstic of this programme,, and, this programme is set forth in conjunction with its accompanying drawing below by a specific embodiment.
Can find out through accompanying drawing; The system of this programme comprises a plurality of clients that are connected with server 1; Described server 1 also is connected with a short message communication module 2; Described client comprises and is used to apply for to purchase, propose financing side's client 3 of financing, and is used to carry out the goods buying and to sell goods marketmaker's client 4 of thing of financing square cotter, the banking supervision client 5 that is used to carry out payment for goods and supervision of the cargo.
Described server comprises like lower module: the agreement Registration Module is used to register financing side, bank and marketmaker's tripartite arrangement, and agreement is stored in the database; Contract registration management module is used for registration buying, sales contract, and contract is carried out bookkeeping; Account management module is used to write down amount and the relationship trading record that loan takes place, the loan balance of the financing side of adjustment in real time; The supervision of the cargo module is used for the registration of goods and materials, and the warehouse-in and the outbound of monitoring goods and materials.
The contract of described contract registration management module comprises the sales contract that financing side and marketmaker sign, the procurement contract that marketmaker and dealer sign.
Described client is connected with server 1 through internet network 6.
Marketmaker and bank, financing side's signature tripartite arrangement.The marketmaker seeks and buys the resource that financing side needs purchase, then marketmaker and financing side's signature sales contract.Financing direction bank proposes to make loans application, and the marketmaker judges whether financing side adopts the mode of goods mortgage; If financing side without the goods mortgage, then needs the guaranty money of payment on account of credit amount 20%; If financing side is then mortgaged the goods of 20% value of goods with the goods mortgage, financing side deposits goods and materials in the supervision warehouse, and supervise goods and materials in the warehouse.Bank under total accrediting amount, gets to financing side loan account with loan according to the amount of financing side's application.To provide a loan on the side's of financing line directed go into gold to own in the sub-account of the secondary of transaction platform, pay the marketmaker in the sub-account of the secondary of transaction platform according to every contract value orientation then.After the marketmaker accomplishes that money is confirmed, the execution of contract.The marketmaker pays payment for goods and gives dealer, and dealer produces or the trader arranges supply of goods.The marketmaker generates consignment note, and consignment note is faxed to dealer.Dealer's tissue delivery.Warehouse entry, substitution procurement contract number, the procurement contract purchasing price, the warehouse owner of cargo is financing side, and goods is supervised.
The present invention is not limited in above-mentioned embodiment, and the variation that those of ordinary skills make in essential scope of the present invention, remodeling, interpolation or replacement also should belong to protection scope of the present invention.
Claims (4)
1. online financial system; It is characterized in that: comprise a plurality of clients that are connected with server; Described server also is connected with a short message communication module; Described client comprises and is used to apply for to purchase, propose financing side's client of financing, and is used to carry out the goods buying and to sell goods marketmaker's client of thing of financing square cotter, the banking supervision client that is used to carry out payment for goods and supervision of the cargo.
2. online financial system according to claim 1 is characterized in that: described server comprises like lower module: the agreement Registration Module is used to register financing side, bank and marketmaker's tripartite arrangement, and agreement is stored in the database; Contract registration management module is used for registration buying, sales contract, and contract is carried out bookkeeping; Account management module is used to write down amount and the relationship trading record that loan takes place, the loan balance of the financing side of adjustment in real time; The supervision of the cargo module is used for the registration of goods and materials, and the warehouse-in and the outbound of monitoring goods and materials.
3. online financial system according to claim 2 is characterized in that: the contract of described contract registration management module comprises the sales contract that financing side and marketmaker sign, the procurement contract that marketmaker and dealer sign.
4. online financial system according to claim 1 is characterized in that: described client is connected with server through the internet network.
Priority Applications (1)
| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| CN2012101010586A CN102663646A (en) | 2012-04-09 | 2012-04-09 | Online financing system |
Applications Claiming Priority (1)
| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| CN2012101010586A CN102663646A (en) | 2012-04-09 | 2012-04-09 | Online financing system |
Publications (1)
| Publication Number | Publication Date |
|---|---|
| CN102663646A true CN102663646A (en) | 2012-09-12 |
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Family Applications (1)
| Application Number | Title | Priority Date | Filing Date |
|---|---|---|---|
| CN2012101010586A Pending CN102663646A (en) | 2012-04-09 | 2012-04-09 | Online financing system |
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| CN (1) | CN102663646A (en) |
Cited By (12)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| CN103489126A (en) * | 2013-10-14 | 2014-01-01 | 王升 | Low-risk investing and financing method capable of opening to public by Internet |
| CN103679523A (en) * | 2013-12-09 | 2014-03-26 | 上海信联商贸发展有限公司 | Client side for credit business |
| CN104240130A (en) * | 2013-10-14 | 2014-12-24 | 王升 | Investment and financing method using venture investment and financing system and venture investment and financing system |
| CN104331808A (en) * | 2014-11-17 | 2015-02-04 | 王升 | Real estate financing method and corresponding network system |
| CN104463680A (en) * | 2014-12-15 | 2015-03-25 | 王升 | Method for increasing investment and financing earnings with low risks and corresponding network system |
| CN104978686A (en) * | 2014-04-09 | 2015-10-14 | 胡庭硕 | Network mutual benefit association method of bank providing limit |
| CN105160565A (en) * | 2015-07-02 | 2015-12-16 | 中联盛通（北京）科技发展有限公司 | Account management and control method and transaction platform |
| CN105844515A (en) * | 2016-05-20 | 2016-08-10 | 淄博新商机电子商务有限公司 | Bulk commodity online order financing transaction system |
| WO2017096701A1 (en) * | 2015-12-09 | 2017-06-15 | 上海信联商贸发展有限公司 | Internet of things circular intelligent financial service system and method |
| CN109801157A (en) * | 2018-12-27 | 2019-05-24 | 大象慧云信息技术有限公司 | It is a kind of based on data sharing supply chain finance accept and believe authentication method and system |
| CN110580620A (en) * | 2019-08-12 | 2019-12-17 | 上海摩库数据技术有限公司 | Chemical field B2B-based online payment account layering method |
| CN110838062A (en) * | 2019-11-05 | 2020-02-25 | 广州新丝路信息科技有限公司 | Supply chain financial cash collection management system and method |
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| CN101661596A (en) * | 2009-09-24 | 2010-03-03 | 北京英思沃工业科技有限公司 | Network financing service system |
| CN102024241A (en) * | 2009-09-10 | 2011-04-20 | 东方钢铁电子商务有限公司 | Financing method and financing platform suitable for supply chain |
| CN102214337A (en) * | 2010-04-07 | 2011-10-12 | 上海钧宸投资有限公司 | Commodity transaction settlement method and system |
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| CN102024241A (en) * | 2009-09-10 | 2011-04-20 | 东方钢铁电子商务有限公司 | Financing method and financing platform suitable for supply chain |
| CN101661596A (en) * | 2009-09-24 | 2010-03-03 | 北京英思沃工业科技有限公司 | Network financing service system |
| CN102214337A (en) * | 2010-04-07 | 2011-10-12 | 上海钧宸投资有限公司 | Commodity transaction settlement method and system |
Cited By (13)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| CN104240130A (en) * | 2013-10-14 | 2014-12-24 | 王升 | Investment and financing method using venture investment and financing system and venture investment and financing system |
| CN103489126A (en) * | 2013-10-14 | 2014-01-01 | 王升 | Low-risk investing and financing method capable of opening to public by Internet |
| CN104240130B (en) * | 2013-10-14 | 2017-09-12 | 王升 | The investment and financing method and risk investment and financing system of a kind of utilization risk investment and financing system |
| CN103679523A (en) * | 2013-12-09 | 2014-03-26 | 上海信联商贸发展有限公司 | Client side for credit business |
| CN104978686A (en) * | 2014-04-09 | 2015-10-14 | 胡庭硕 | Network mutual benefit association method of bank providing limit |
| CN104331808A (en) * | 2014-11-17 | 2015-02-04 | 王升 | Real estate financing method and corresponding network system |
| CN104463680A (en) * | 2014-12-15 | 2015-03-25 | 王升 | Method for increasing investment and financing earnings with low risks and corresponding network system |
| CN105160565A (en) * | 2015-07-02 | 2015-12-16 | 中联盛通（北京）科技发展有限公司 | Account management and control method and transaction platform |
| WO2017096701A1 (en) * | 2015-12-09 | 2017-06-15 | 上海信联商贸发展有限公司 | Internet of things circular intelligent financial service system and method |
| CN105844515A (en) * | 2016-05-20 | 2016-08-10 | 淄博新商机电子商务有限公司 | Bulk commodity online order financing transaction system |
| CN109801157A (en) * | 2018-12-27 | 2019-05-24 | 大象慧云信息技术有限公司 | It is a kind of based on data sharing supply chain finance accept and believe authentication method and system |
| CN110580620A (en) * | 2019-08-12 | 2019-12-17 | 上海摩库数据技术有限公司 | Chemical field B2B-based online payment account layering method |
| CN110838062A (en) * | 2019-11-05 | 2020-02-25 | 广州新丝路信息科技有限公司 | Supply chain financial cash collection management system and method |
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Application publication date: 20120912 |