CN103530693A - Risk control system and control method for movable-property pledge financing service - Google Patents
Risk control system and control method for movable-property pledge financing service Download PDFInfo
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- CN103530693A CN103530693A CN201210232614.3A CN201210232614A CN103530693A CN 103530693 A CN103530693 A CN 103530693A CN 201210232614 A CN201210232614 A CN 201210232614A CN 103530693 A CN103530693 A CN 103530693A
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Abstract
The invention discloses a risk control system and control method for a movable-property pledge financing service. The system includes a core platform used for providing a fourth-party logistics finance service, a database server used for storing information data and a plurality of sub-data-processing modules which are identical in structure. The sub-data-processing modules are connected with the core platform and the database server respectively. A sensing device transmits detected site data to a central data processing device for processing and the data is fed back to the core platform after being processed and stored in the database server. The risk control system and control method enable banks to be capable of tracking in the whole process, effective management and timely and effective transmission of different information in the whole process of the movable-property pledge financing service and for monitoring companies, risks which exist in monitoring and the monitoring manpower cost can be reduced during the monitoring. The risk control system and control method are high in repeating utilization factor and low in comprehensive cost.
Description
Technical field
The present invention relates to computer utility and management devices technical field, particularly a kind of risk control system of movables mortgage provide financing services and control method.
Background technology
Movables mortgage provide financing services, as the main body business of logistics finance, is that traditional logistics is to the extension of a kind of service function of modern logistics development.Carry out that movables mortgage provide financing services adapts to that current China produces and Material Distribution Firm financing difficulties, the market demand that it is difficult that bank makes loans, can solve preferably the contradiction of business running between bank and enterprise.Although the time that movables mortgage provide financing services occurs in China is not long, is subject to the extensive favor of business circles, financial circles, presents fast-developing situation.Especially concerning Third-party Logistics Enterprise, if safety, effectively carry out movables mortgage provide financing services, contribute to undoubtedly enterprise to expand service function and business scope, strengthen enterprise getting profit ability and the market competitiveness.But but there is " two height " problem that credit risk is high, handling cost is high in Financing at present, this has seriously restricted wish and the enthusiasm of financial institution's development Financing business, from root, cause Financing difficult, the difficult problem that finance costs are high.
Emerging product as the development of Chinese Modern Goods Flow industry, the finance logistics business that financial service and logistics service fusion development form has obtained develop rapidly in China in recent years, finance logistics is exactly that loglstics enterprise is when providing Comprehensive Logistics Services for all kinds of clients, accepting bank entrusts, client is pledged to bank in storage, keeping, the goods commodity of the logistics states such as transportation are supervised, loglstics enterprise and bank's cooperation provide this integrated novel logistics service to client, not only opened up the development space of loglstics enterprise, extended logistics service chain, and all kinds of the enterprises especially problem of Financing difficulty and the mobility predicament of bank have effectively been alleviated.Try hard to recommend in addition developing industry cooperation and the gathering of logistics financial resources of having moved domestic logistics industry simultaneously.
Although at present domestic, have many banks to start to carry out movables mortgage loan transaction, after development in a few years, at present shared share is still very little.Main cause is that current third party is supervising collateral security and going out in warehouse-in process, and whole information is transmitted opaque, substantially in pure manual work stages.
Logistics financial industry formed all kinds of enterprises (first party), financial institution's (second party), provide that the mechanisms (third party) such as the logistics facility of logistics management and financial derivative service and asset monitor company set up around enterprise's place supply chain, provide tripartite's cooperative relationship of financial service.Party Logistics financial service is on original tripartite's cooperative relationship basis, cubic service provider relies on the professional techniques such as Internet technology, technology of Internet of things, cloud computing platform, integrate all kinds of resources and service organization, for original tripartite provides services such as comprising professional logistics planning and consulting, Intelligent logistics infosystem and movable property matter (supporting) signature monitoring information system, realize materials circulation and Financial Integration solution etc. in interior four directions service.
Summary of the invention
The defect existing in order to overcome above-mentioned prior art, the invention provides a kind of risk control system and control method of movables mortgage provide financing services, can control well collateral security stolen and go out the risk existing in warehouse-in process.
To achieve these goals, one of technical scheme of the present invention is to provide a kind of risk control system of movables mortgage provide financing services, comprising:
For the product platform of Party Logistics financial service is provided, for storing database server and the identical subdata processing module of a plurality of structure of information data, described subdata processing module connects respectively described product platform and described database server;
Described subdata processing module comprises central data processing facility and the sensing equipment being connected with central data processing facility;
Sensing equipment passes to central data processing facility by the field data detecting and processes, after processing by data feedback to product platform, and data are stored in to database server.
As preferably, the Site Detection that sensing equipment of the present invention is done comprises collateral security outbound monitoring, collateral security anti-theft monitoring, temperature and humidity monitor, collateral security is made an inventory and combine.
As preferably, sensing equipment of the present invention comprises camera, infrared probe, rfid interrogator, RFID label, gravity sensing label, vibration induction label, temperature and humidity sensing equipment, intelligent smoke sensing equipment and combination thereof.
Two of technical scheme of the present invention is to provide a kind of control method of risk control system of movables mortgage provide financing services, comprises the steps:
A, sensing equipment Test Field data also pass to central data processing facility processing by data;
B, central data processing facility send to product platform analysis by the data after processing;
C, product platform generate risk according to data results and process single.
The invention has the beneficial effects as follows, bank, can all-the-way tracking in the whole process of movables mortgage business, and effectively management, transmits various information timely and effectively.For supervision company, can greatly reduce the risk that exists in supervision and the human cost of supervision, recycling rate of waterused of the present invention is high, and integrated cost is low.
Accompanying drawing explanation
Fig. 1 is systemic-function block diagram of the present invention;
Fig. 2 is control method process flow diagram of the present invention;
Fig. 3 is collateral security outbound monitoring process flow diagram of the present invention;
Fig. 4 is the anti-intrusion detection process flow diagram of video of the present invention;
Fig. 5 is the antitheft overhaul flow chart of collateral security of the present invention;
Fig. 6 is temperature and humidity monitor process flow diagram of the present invention;
Fig. 7 is the collateral security of the present invention process flow diagram of making an inventory;
Fig. 8 is the intrusion risk processing flow chart of product platform of the present invention.
Embodiment:
In order to make creation characteristic of the present invention, technological means and to reach object, be easy to understand understanding, below in conjunction with specific embodiment, further set forth the present invention.
Embodiment:
Referring to Fig. 1, a kind of risk control system of movables mortgage provide financing services, comprising:
For the product platform 2 of Party Logistics financial service is provided, for storing database server 1 and the identical subdata processing module 3 of a plurality of structure of information data, described subdata processing module 3 connects respectively described product platform 2 and described database server 1; Described subdata processing module 3 comprises central data processing facility 35 and the sensing equipment 34 being connected with central data processing facility 35; Sensing equipment 34 passes to central data processing facility 35 by the field data detecting and processes, after processing by data feedback to product platform 2, and data are stored in to database server 1.
The Site Detection that described sensing equipment 34 is done comprises collateral security outbound monitoring, collateral security anti-theft monitoring, temperature and humidity monitor, collateral security is made an inventory and combine.Described sensing equipment 34 comprises camera, infrared probe, rfid interrogator, RFID label, gravity sensing label, vibration induction label, temperature and humidity sensing equipment, intelligent smoke sensing equipment and combination thereof.
Referring to Fig. 2, a kind of control method of risk control system of movables mortgage provide financing services, comprises the steps: sensing equipment Test Field data and data is passed to central data processing facility treatment S 1; Data after central data processing facility is processed S1 send to product platform to analyze S2; Product platform generates risk according to S2 data results and processes single S3.First the operation rule of each equipment is set, as the anti-invasion region of video camera is set, sensing equipment detects correlation circumstance and occurs, as whether having object to invade, post the object process of electronic tag, humiture variation etc., central data processing facility detects relevant information and the information detecting is sent to product platform, product platform starts correlation model and calculates, whether there are abnormal conditions to occur, if any abnormal conditions, occur, generating risk processes single, client service center is after receiving risk processing list, start relevant risk treatment scheme, notice relevant departments investigation risk, deal with problems.
Referring to Fig. 3, collateral security outbound monitoring comprises the steps:
Financing enterprise is applied for collateral security outbound on product platform, after approving after examination, generates an outbound list to supervision company through bank; Client picks up goods to warehouse with outbound list; Outbound list information sends to the central data processing facility that warehouse is corresponding, starts outbound instruction; Supervision operating personnel transport warehouse, the quantity that the automatic record of RFID read-write equipment on doorway is gone out at every turn by the collateral security that posts RFID label by criticizing; The goods of central data processing facility real-time statistics outbound, and compare with the goods of outbound list, if there is inconsistent, with regard to activating alarm sound, remind; After outbound, operating personnel by confirming, complete outbound operation on the operating computer on doorway; Central data processing facility receives the confirmation the instruction that outbound completes, and whether the information of automatically calculating outbound list is consistent with the goods information detecting, if inconsistent, just produce immediately alarm, and generates risk list to product platform; If data consistent, sends to product platform by relevant information, complete outbound operation; Finally, the video data that central data processing facility automatic shearing is relevant, and this part video information is associated with this outbound, for consult later.
Referring to Fig. 4, the anti-intrusion detection of video comprises the steps:
System manager, by the interface of product platform, arranges the region of the anti-invasion of each camera, and relevant information is saved in to central data processing facility; Central data processing facility receives behind the anti-invasion region and rule of each camera that product platform sends over, and automatically preserves; Camera is according to rule, and automatic capturing realtime image data, analyzes whether there is intrusion risk; When finding that there is intrusion risk, just automatically generate risk list, send to product platform, product platform can start Risk-warning flow process; Associated picture and video information before and after central data processing facility automatic shearing risk point, and associated with risk list, for checking below.
Referring to Fig. 5, the antitheft detection of collateral security comprises the steps:
System manager, by the interface of product platform, arranges the inbreak detection rule of each sensing equipment, and relevant information is synchronized to central data processing facility; Central data processing facility receives after the anti-intrusion rule of sensing equipment that product platform sends over, and automatically preserves; Sensing equipment detects after intrusion risk, sends warning message to central data processing facility; Central data processing facility receives after relevant information, and the intrusion rule of bonding apparatus judges whether to exist risk; When finding that there is intrusion risk, just automatically generate risk list, send to product platform, product platform can start Risk-warning flow process; Associated picture and video information before and after central data processing facility automatic shearing risk point, and associated with risk list, for checking below.
Referring to Fig. 6, temperature and humidity monitor comprises the steps:
Operating personnel, according to the physical characteristics of goods, set collateral security storage environment index at product platform, as temperature, humidity etc.; The detection rule of product platform automatic synchronization humiture is to corresponding central data processing facility; Temperature and humidity sensing equipment regularly sends to central data processing facility by humiture information; Whether central data processing facility receives after the information that Temperature Humidity Sensor sends, utilize regular computing environment normal, if not within normal range, automatically generates risk list, sends to product platform, and product platform can start Risk-warning flow process.
Referring to Fig. 7, the collateral security flow process of making an inventory comprises the steps:
Bank clerk customization generates the instruction of making an inventory to collateral security by product platform; Product platform receives to be made an inventory after instruction, generates the list of making an inventory, and relevant information is sent to corresponding supervisor; Supervisor opens the portable RFID equipment of making an inventory, and starts to make an inventory, and product platform sends to central data processing facility instruction and the single information of making an inventory of making an inventory simultaneously; Supervisor adopts the hand-held or mobile RFID equipment of making an inventory in storehouse, to carry out blind dish, and transmits data to central data processing facility by WI-FI module; After having made an inventory, operating personnel press acknowledgement key, and the central data processing facility result of making an inventory passes to product platform; Whether the automatic calculating dial dot information of product platform is correct, if incorrect, automatically generates risk list, sends to product platform, and product platform can start Risk-warning flow process; Associated picture and video information before and after central data processing facility automatic shearing risk point, and associated with risk list, in order to checking below.
Referring to Fig. 8, the intrusion risk treatment scheme of product platform comprises the steps:
Central data processing facility has monitored intrusion risk and has occurred, and risk single-shot is delivered to product platform; Product platform receives after risk information, generates intrusion risk work order, starts work disposal flow process; The contact staff of call center received after list after several seconds, by long-distance video and playback history video etc., had judged whether that intrusion event occurs; When confirming really have after intrusion event, just contact on-the-spot supervisor; Supervisor prevents the generation of risk case in the very first time; Automatically start the task of making an inventory to suspicious invasion region.
More than show and described ultimate principle of the present invention, principal character and advantage of the present invention.The technician of the industry should understand; the present invention is not restricted to the described embodiments; that in above-described embodiment and instructions, describes just illustrates principle of the present invention; the present invention also has various changes and modifications without departing from the spirit and scope of the present invention, and these changes and improvements all fall in the claimed scope of the invention.The claimed scope of the present invention is defined by appending claims and equivalent thereof.
Claims (4)
1. a risk control system for movables mortgage provide financing services, is characterized in that, comprising:
For the product platform of Party Logistics financial service is provided, for storing database server and the identical subdata processing module of a plurality of structure of information data, described subdata processing module connects respectively described product platform and described database server;
Described subdata processing module comprises central data processing facility and the sensing equipment being connected with central data processing facility;
Sensing equipment passes to central data processing facility by the field data detecting and processes, after processing by data feedback to product platform, and data are stored in to database server.
2. control system according to claim 1, is characterized in that, the Site Detection that described sensing equipment is done comprises collateral security outbound monitoring, collateral security anti-theft monitoring, temperature and humidity monitor, collateral security is made an inventory and combine.
3. control system according to claim 1, it is characterized in that, described sensing equipment comprises camera, infrared probe, rfid interrogator, RFID label, gravity sensing label, vibration induction label, temperature and humidity sensing equipment, intelligent smoke sensing equipment and combination thereof.
4. the control method of control system according to claim 1, is characterized in that, comprises the steps:
A, sensing equipment Test Field data also pass to central data processing facility processing by data;
B, central data processing facility send to product platform analysis by the data after processing;
C, product platform generate risk according to data results and process single.
Priority Applications (1)
| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| CN201210232614.3A CN103530693A (en) | 2012-07-06 | 2012-07-06 | Risk control system and control method for movable-property pledge financing service |
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| CN201210232614.3A CN103530693A (en) | 2012-07-06 | 2012-07-06 | Risk control system and control method for movable-property pledge financing service |
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| CN103530693A true CN103530693A (en) | 2014-01-22 |
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| CN201210232614.3A Pending CN103530693A (en) | 2012-07-06 | 2012-07-06 | Risk control system and control method for movable-property pledge financing service |
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Cited By (6)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| CN105930981A (en) * | 2016-05-10 | 2016-09-07 | 大连理工大学 | Supply chain financing platform capable of risk quantification and real-time automatic processing |
| CN107918856A (en) * | 2017-12-28 | 2018-04-17 | 广东奥瑞特新能源设备科技有限公司 | A kind of steel go out Input System |
| CN108805696A (en) * | 2018-05-25 | 2018-11-13 | 中国工商银行股份有限公司 | Movables mortgage object monitors tracking system and method |
| CN111027913A (en) * | 2019-12-17 | 2020-04-17 | 微特技术有限公司 | Management method suitable for store flow data of movable property financing class |
| CN113837700A (en) * | 2021-01-11 | 2021-12-24 | 台州动产质押金融服务有限公司 | Warehousing supervision method based on RFID (radio frequency identification) tag |
| CN113947167A (en) * | 2021-01-08 | 2022-01-18 | 台州动产质押金融服务有限公司 | Mobile asset financing pledge supervision system based on Internet of things |
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| WO2008117989A1 (en) * | 2007-03-26 | 2008-10-02 | Home Secu. Net. Co., Ltd. | Remote monitoring system and method thereof |
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| WO2008117989A1 (en) * | 2007-03-26 | 2008-10-02 | Home Secu. Net. Co., Ltd. | Remote monitoring system and method thereof |
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Cited By (7)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| CN105930981A (en) * | 2016-05-10 | 2016-09-07 | 大连理工大学 | Supply chain financing platform capable of risk quantification and real-time automatic processing |
| CN107918856A (en) * | 2017-12-28 | 2018-04-17 | 广东奥瑞特新能源设备科技有限公司 | A kind of steel go out Input System |
| CN108805696A (en) * | 2018-05-25 | 2018-11-13 | 中国工商银行股份有限公司 | Movables mortgage object monitors tracking system and method |
| CN111027913A (en) * | 2019-12-17 | 2020-04-17 | 微特技术有限公司 | Management method suitable for store flow data of movable property financing class |
| CN111027913B (en) * | 2019-12-17 | 2023-04-18 | 微特技术有限公司 | Management method suitable for store flow data of movable property financing class |
| CN113947167A (en) * | 2021-01-08 | 2022-01-18 | 台州动产质押金融服务有限公司 | Mobile asset financing pledge supervision system based on Internet of things |
| CN113837700A (en) * | 2021-01-11 | 2021-12-24 | 台州动产质押金融服务有限公司 | Warehousing supervision method based on RFID (radio frequency identification) tag |
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