CN105844515A - Bulk commodity online order financing transaction system - Google Patents
Bulk commodity online order financing transaction system Download PDFInfo
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- CN105844515A CN105844515A CN201610343370.4A CN201610343370A CN105844515A CN 105844515 A CN105844515 A CN 105844515A CN 201610343370 A CN201610343370 A CN 201610343370A CN 105844515 A CN105844515 A CN 105844515A
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- G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
- G06Q30/00—Commerce
- G06Q30/06—Buying, selling or leasing transactions
- G06Q30/0601—Electronic shopping [e-shopping]
- G06Q30/0609—Buyer or seller confidence or verification
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Abstract
The invention provides a bulk commodity online order financing transaction system and belongs to the field of a network financing transaction system. The system comprises a plurality of financing purchaser terminals, a transaction server and a seller. The system is characterized in that the transaction server comprises an order processing system, a main control unit, a fund processing unit and a guarantee fund processing unit. The method is characterized in that a financing purchaser registers and is subjected to qualification examination, and submits an online order financing application; if check result is positive, loan is granted; payment is done directionally; financing future value is monitored; and financing is finished. The system enables bulk commodity financing to be upgraded from a commodity-to-loan mode into a mode of carrying out financing through real economic activities, and enables the funds to flow directionally and effectively in real economy development; and on the basis of actually-generated online orders, the financing side can realize normal bulk commodity business activities of an enterprise by fully utilizing the funds, but cannot use the loan for other purposes, thereby solving the problem of risk that the financing side breaks the contract with the funds.
Description
Technical field
The present invention relates to the online order financing services during staple commodities stock e-commerce trade, a kind of big
Ancestor's commodity online order financing transaction system.
Background technology
Staple commodities trade market is in large scale, the hugest to credit requirement.The essence of tradition staple commodities financing is enterprise
Industry is pledged by goods, it is thus achieved that loan, thus carries out the business activities such as staple commodities transaction, the processing be correlated with.The most
Common financing transaction pledges financing services for the goods of bank's stock service of pledging and part P2P platform offer at present.
Since 2014, staple commodities event of cheating loan occurs again and again.Mainly repeat to pledge with commodity, falseness is pledged phenomenon and is
Main, the Risk Management Problem that stock is pledged starts the attention by market each side and close examination.
Staple commodities financing occur the problems referred to above, the key problem being primarily present be the intended use of the loan fail to understand, fund whereabouts without
Method is controlled.Financier is pledged by stock, obtains fund.But the actual whereabouts of fund, is unilaterally grasped by financier.?
In the case of financier can be free to arrange loan, become the contingent basis of various hidden danger.
Additionally, staple commodities are large number of, product attribute difference is big, and market fluctuation is the most frequent.Go out capital to be difficult to do
Monitor in real time to staple commodities market.Although at present staple commodities financing market, the mode relevant also by other or
Method reduces various risk, such as, pay higher guarantee fund, and enterprise carries out strict qualification, even needs to carry
For guarantee.
But on the whole, if financier exists deliberately tendency, corresponding WeiZhao's Notes is the most relatively low.Also result in mesh simultaneously
Front staple commodities finance costs are high, and approval process is loaded down with trivial details waits practical problem.Under current economic environment background, to a certain degree
On be unfavorable for help social funds be directed into real economy, really help enterprise development, transition, spend Period.
Summary of the invention
According to above deficiency of the prior art, in order to make up the defect of existing equipment, it is provided that it is big that one adopts pin for real economy
Ancestor's commodity provide financing services, solve the staple commodities online order financing transaction system of financing fund orientation payment problem.
The technical solution adopted for the present invention to solve the technical problems is: staple commodities online order financing transaction system, if including
Dry financing buyer terminal, trading server and the seller, it is characterised in that: described trading server include order processing system,
Main control unit, fund allocation unit and guarantee fund's processing unit；Described order processing unit, receives the sheet from the seller
Information and the order placement information from the financing buyer, and data are delivered to main control unit；Described main control unit, passes alternately
Defeated and process from order processing system, guarantee fund's processing unit and the information of capital management unit；Described fund allocation list
Unit, receives main control unit instruction, controls the Capital Flow of capital and the information of guarantee fund's processing unit；Described guarantee fund
Processing unit, according to the process information of main control unit, adjusts, collects and returns the guarantee fund of financing buyer paid；Described
Main control unit arranges connection goods monitoring platform, and goods monitoring platform gathers the big data in seller's market.
The big data of goods information and market thereof under goods monitoring platform collection financing order, are called for short the big data in seller's market.
Wherein preferred version is:
The described guarantee fund adjusting financing buyer paid includes:
Basic guarantee gold, the time proposed according to online order, main control unit assessment online order relates to the market situation of commodity,
The financing buyer pays the guarantee fund of total financing 10% ratio；If assessment need to pay ratio more than 30%, the most by financing
Application.
Fluctuation guarantee fund, after i.e. in financing, fund transfers, according to the monitoring situation from goods monitoring platform commodity value of goods,
During value of goods drop, it is desirable to the financing buyer pays arrears commodity value of goods drop part in time.
According to different application situation, the described guarantee fund adjusting financing buyer paid, also include:
Early warning guarantee fund: according to financing the buyer apply for finance fund time, under order contract from goods monitoring platform commodity
The fluctuation expection of value of goods, and the guarantee fund of the 0-30% ratio collected；
Interest guarantee fund: the financing buyer in agreed period, pays in full amount institute under this financing fund after receiving financing fund
The whole interests produced, as interest guarantee fund, for mandatory redemption interest；
Exceed the time limit guarantee fund: financing fund principal and interest should be stored in refund account before financing loan contract repayment date expires by the financing buyer
Family, often exceeds the time limit one and must pay the 5% of all financing funds as exceeding the time limit guarantee fund to platform.
The big data in described seller's market at least include: seller name, seller account, goods present price, quantity of goods,
Storage place, handing-over date, finance rate and financing time limit.The big data in described seller's market also include: goods history valency
Lattice tendency, seller's historical trading are added up.
Described fund allocation unit, receives main control unit instruction, controls financing fund according to online order content, orientation
Pay seller account；If shroff account number and system destiny account are not inconsistent, financing fund can not pay；If transaction terminates,
The system that is fully returned to is specified out the special settlement center that capital sets up by financing fund.
Described main control unit processes the method for Transaction Information:
Step one, financing buyer's registration and qualification, offer special financing account, financing account pays trustship；
Step 2, submits online order financing application to, examines sequence information, and goods monitoring platform carries out price evaluation, is given
Basic guarantee gold ratio；After the financing buyer pays basic guarantee gold, seller's goods is audited by goods monitoring platform；Examination & verification
Do not pass through, then apply for terminating, deposit released；Examination & verification is by carrying out step 3；
Step 3, examination & verification passes through, and goods is supervised by goods monitoring platform；
Step 4, loan origination, financing fund is delivered to buyer-specific account of financing；
Step 5, orientation pays, and fund of financing is from buyer-specific bill payment to seller account, and confirms payment instruction；
Step 6, financing futures value monitoring, goods monitoring platform price monitor, price of goods drop after, financing the buyer need and
Time pay fluctuation guarantee fund；
Step 7, financing terminates, the most full-amount fund of the buyer of financing, and then redeems goods.
Further, described main control unit processes the method for Transaction Information:
Step one, financing buyer's registration and qualification, offer special financing account, financing account pays trustship；
Step 2, the financing buyer submits order financing application online to, examines sequence information, and goods monitoring platform carries out price to be commented
After estimating, provide basic guarantee gold ratio and early warning guarantee fund's ratio；The financing buyer is paying basic guarantee gold and early warning guarantee
Jin Hou, seller's goods is audited by goods monitoring platform；Examination & verification is not passed through, then apply for terminating, deposit released；Examination & verification
By carrying out step 3；
Step 3, examination & verification passes through, and goods is supervised by goods monitoring platform；
Step 4, payment for goods granting, financing fund is delivered to buyer-specific account of financing, and platform user, after receiving loaning bill, is used
Interest guarantee fund need to be paid in full amount in 24 hours in family by Platform Requirements；
Step 5, orientation pays, and fund of financing is from buyer-specific bill payment to seller account, and confirms payment instruction；
Step 6, financing futures value monitoring, goods monitoring platform price monitor, price of goods drop after, financing the buyer need and
Time pay fluctuation guarantee fund；If the buyer fails immediately to pay additional relevant guarantee fund, buyer guarantee fund is fully penalized by platform
Not yet；
Step 7, financing terminates, the most full-amount fund of the buyer of financing, and then redeems goods.
Staple commodities online order financing transaction system of the present invention is had the beneficial effect that the control fund that is capable of, control goods
Power, control value of goods: control fund, refer to that financing fund is according to online order content by native system, by system control, and can only
Orientation pays seller account.If shroff account number and system destiny account are not inconsistent, financing fund can not pay；If transaction
Terminating, financing fund will fully be returned to the special settlement center that system specifies cooperative bank to set up.At whole financing transaction ring
Joint, financier cannot substantial contact to financing fund, the payment account of financier, play orient payment channel effect,
It is easy to both parties and carries out financial transaction between the enterprise being correlated with.
Control goods power, refers to pass through native system, it is thus achieved that the custodial right of staple commodities goods.In whole transaction period, order financing relates to
And goods, the warehouse that system is specified carries out comprehensive supervision in 24 hours.According to refund amount ratio, carry out goods
Outbound discharges.Fully ensure financing fund and the safety of cargo mass.
Control value of goods, refers to by native system, in units of day, and the monitoring goods market price in real time, calculate value of goods.By ensureing
Gold system, it is ensured that goods value of goods+guarantee fund's total value ＞ financing amount of money.Take precautions against further, due to market fluctuation, be likely to result in
Financier's event of default.
Staple commodities financing is changed loan pattern from goods by native system, upgrades to financing with real economy activity.Fund is allowed to exist
Real economy development is oriented, effectively flows.Based on the online order actually occurred, financier can be abundant
Use fund carries out enterprise's normal staple commodities business activities, but loan cannot be used for other purposes, solves financier and takes
The risk problem of money promise breaking.On the one hand fundamentally, social funds power-assisted real economy more fully is allowed, on the other hand, greatly
The default risk problem of amplitude reduction staple commodities financing.
It addition, reduce fund cost and the time cost of staple commodities financing.Cannot accomplish to take the situation of money promise breaking financier
Under, appropriateness reduces financing guarantee fund's ratio and shortens approval process.
Accompanying drawing explanation
Fig. 1 is the functional-block diagram of the present invention；
Fig. 2 is the method flow diagram of the main control unit process Transaction Information of the present invention；
Detailed description of the invention
Below in conjunction with the accompanying drawings embodiments of the invention are described further:
Embodiment 1:
As it is shown in figure 1, staple commodities online order financing transaction system, including some financing buyer terminals, trading server
And the seller.Trading server includes order processing system, main control unit, fund allocation unit and guarantee fund's processing unit.Order
Single processing unit, receives the sheet information from the seller and the order placement information from the financing buyer, and data is delivered to master control
Unit.Main control unit, alternating transmission also processes from order processing system, guarantee fund's processing unit and capital management unit
Information.Fund allocation unit, receives main control unit instruction, controls the Capital Flow of capital and guarantee fund's processing unit
Information.Guarantee fund's processing unit, according to the process information of main control unit, adjusts, collects and returns the guarantor of financing buyer paid
Card gold.Main control unit arranges connection goods monitoring platform, and goods monitoring platform gathers the big data in seller's market.
The big data in seller's market at least include: seller name, seller account, goods present price, quantity of goods, storing place
Point, handing-over date, finance rate and financing time limit.The big data in seller's market also include: goods historical price tendency, the seller
Historical trading is added up.
The guarantee fund adjusting financing buyer paid includes:
Basic guarantee gold, the time proposed according to online order, main control unit assessment online order relates to the market situation of commodity,
The financing buyer pays the guarantee fund of total financing 10% ratio；
Fluctuation guarantee fund, after i.e. in financing, fund transfers, according to the monitoring situation from goods monitoring platform commodity value of goods,
During value of goods drop, it is desirable to the financing buyer pays arrears commodity value of goods drop part in time.
Early warning guarantee fund: according to financing the buyer apply for finance fund time, under order contract from goods monitoring platform commodity
The fluctuation expection of value of goods, and the guarantee fund of the 0-30% ratio collected.
Interest guarantee fund: the financing buyer in agreed period, pays in full amount institute under this financing fund after receiving financing fund
The whole interests produced, as interest guarantee fund, for mandatory redemption interest.
Exceed the time limit guarantee fund: financing fund principal and interest should be stored in refund account before financing loan contract repayment date expires by the financing buyer
Family, often exceeds the time limit one and must pay the 5% of all financing funds as exceeding the time limit guarantee fund to platform.
Fund allocation unit, receives main control unit instruction, controls financing fund and pays to selling according to online order content, orientation
Side's account；If shroff account number and system destiny account are not inconsistent, financing fund can not pay；If transaction terminates, money of financing
The system that is fully returned to is specified out the special settlement center that capital sets up by item.
As in figure 2 it is shown, the method that main control unit processes Transaction Information is:
Step one, financing buyer's registration and qualification, offer special financing account, financing account pays trustship；
Step 2, submits online order financing application to, examines sequence information, and goods monitoring platform carries out price evaluation, is given
Basic guarantee gold ratio；After the financing buyer pays basic guarantee gold, seller's goods is audited by goods monitoring platform；Examination & verification
Do not pass through, then apply for terminating, deposit released；Examination & verification is by carrying out step 3；
Step 3, examination & verification passes through, and goods is supervised by goods monitoring platform；
Step 4, loan origination, financing fund is delivered to buyer-specific account of financing；
Step 5, orientation pays, and fund of financing is from buyer-specific bill payment to seller account, and confirms payment instruction；
Step 6, financing futures value monitoring, goods monitoring platform price monitor, price of goods drop after, financing the buyer need and
Time pay fluctuation guarantee fund；
Step 7, financing terminates, the most full-amount fund of the buyer of financing, and then redeems goods.
Embodiment 2:
Main control unit processes the method for Transaction Information:
Step one, financing buyer's registration and qualification, offer special financing account, financing account pays trustship；
Step 2, the financing buyer submits order financing application online to, examines sequence information, and goods monitoring platform carries out price to be commented
After estimating, provide basic guarantee gold ratio and early warning guarantee fund's ratio；The financing buyer is paying basic guarantee gold and early warning guarantee
Jin Hou, seller's goods is audited by goods monitoring platform；Examination & verification is not passed through, then apply for terminating, deposit released；Examination & verification
By carrying out step 3；
Step 3, examination & verification passes through, and goods is supervised by goods monitoring platform；
Step 4, payment for goods granting, financing fund is delivered to buyer-specific account of financing, and platform user, after receiving loaning bill, is used
Interest guarantee fund need to be paid in full amount in 24 hours in family by Platform Requirements；
Step 5, orientation pays, and fund of financing is from buyer-specific bill payment to seller account, and confirms payment instruction；
Step 6, financing futures value monitoring, goods monitoring platform price monitor, price of goods drop after, financing the buyer need and
Time pay fluctuation guarantee fund；If the buyer fails immediately to pay additional relevant guarantee fund, buyer guarantee fund is fully penalized by platform
Not yet；The guarantee fund that exceeds the time limit pays back the borrowed money as platform user a part for capital, if gained cost of closing a position be enough to repay platform finance
Anthority, the guarantee fund that exceeds the time limit consults to return the buyer according to practical situation.
Step 7, financing terminates, the most full-amount fund of the buyer of financing, and then redeems goods.
Embodiment 3:
Native system process of exchange is illustrated: buyer A, at native system and seller B, forms real online trade order, determines commodity
Quantity of goods and the order amount of money；Buyer A initiates financing application according to this order to native system, confirms financing time limit (financing
Last day in time limit is as the time point triggering the guarantee fund that exceeds the time limit)；Buyer A is paying full-amount basic guarantee gold, early warning guarantee fund
After, native system granting financing money；After native system is made loans, after buyer A paid full-amount interest guarantee fund in 24 hours, this is
Unite and financing money is oriented the account of Zhi Fuzhi seller B；Goods, after acknowledging receipt of payment for goods, is transferred to native system to supervise by seller B,
Goods goods power belongs to buyer A, custodial right ownership native system；In the supervision phase, goods value of goods is estimated every day by native system,
If drop occurs in value of goods, buyer A need to pay fluctuation guarantee fund in time；Buyer A initiated to redeem goods application within the financing time limit, this
System informs, according to redeeming goods application content, the principal and interest that buyer A need to repay；Buyer A is after Replacement of principal and interest, originally
System carries out the handing-over of goods.If buyer A fails initiation within the financing time limit redeems goods application, buyer A need to pay in time and exceed the time limit
Guarantee fund.
Experiment shows native system, after the verity of examination & verification online order, makes loans in 30 seconds.Financier's finance costs are notable
Reduce, go out capital's financing security and obtain height guarantee.
Contrast is such as following table:
Claims (8)
1. staple commodities online order financing transaction system, including some financing buyer terminals, trading server and the seller, its
It is characterised by: described trading server includes that order processing system, main control unit, fund allocation unit and guarantee fund process
Unit；Described order processing unit, receives the sheet information from the seller and the order placement information from the financing buyer, and will
Data are delivered to main control unit；Described main control unit, alternating transmission also processes at order processing system, guarantee fund
Reason unit and the information of capital management unit；Described fund allocation unit, receives main control unit instruction, controls capital's
Capital Flow and the information of guarantee fund's processing unit；Described guarantee fund's processing unit, according to the process information of main control unit,
Adjust, collect and return the guarantee fund of financing buyer paid；Described main control unit arranges connection goods monitoring platform, goods
Monitoring platform gathers the big data in seller's market.
Staple commodities online order financing transaction system the most according to claim 1, it is characterised in that: described accounting
The guarantee fund of financing buyer paid includes:
Basic guarantee gold, the time proposed according to online order, main control unit assessment online order relates to the market situation of commodity,
The financing buyer pays the guarantee fund of total financing 10% ratio；
Fluctuation guarantee fund, after i.e. in financing, fund transfers, according to the monitoring situation from goods monitoring platform commodity value of goods,
During value of goods drop, it is desirable to the financing buyer pays arrears commodity value of goods drop part in time.
Staple commodities online order financing transaction system the most according to claim 2, it is characterised in that: described accounting
The guarantee fund of financing buyer paid, also includes:
Early warning guarantee fund: according to financing the buyer apply for finance fund time, under order contract from goods monitoring platform commodity
The fluctuation expection of value of goods, and the guarantee fund of the 0-30% ratio collected；
Interest guarantee fund: the financing buyer in agreed period, pays in full amount institute under this financing fund after receiving financing fund
The whole interests produced, as interest guarantee fund, for mandatory redemption interest；
Exceed the time limit guarantee fund: financing fund principal and interest should be stored in refund account before financing loan contract repayment date expires by the financing buyer
Family, often exceeds the time limit one and must pay the 5% of all financing funds as exceeding the time limit guarantee fund to platform.
Staple commodities online order financing transaction system the most according to claim 1, it is characterised in that: the described seller
The big data in market at least include: seller name, seller account, goods present price, quantity of goods, storage place, handing-over
Date, finance rate and financing time limit.
Staple commodities online order financing transaction system the most according to claim 4, it is characterised in that: the described seller
The big data in market also include: goods historical price tendency, seller's historical trading are added up.
Staple commodities online order financing transaction system the most according to claim 1, it is characterised in that: described fund
Processing unit, receives main control unit instruction, controls financing fund and pays seller account according to online order content, orientation；
If shroff account number and system destiny account are not inconsistent, financing fund can not pay；If transaction terminates, financing fund will be in full
The system of being returned to specifies out the special settlement center that capital sets up.
Staple commodities online order financing transaction system the most according to claim 1, it is characterised in that: described master control
The method of cell processing Transaction Information is:
Step one, financing buyer's registration and qualification, offer special financing account, financing account pays trustship；
Step 2, submits online order financing application to, examines sequence information, and goods monitoring platform carries out price evaluation, is given
Basic guarantee gold ratio；After the financing buyer pays basic guarantee gold, seller's goods is audited by goods monitoring platform；Examination & verification
Do not pass through, then apply for terminating, deposit released；Examination & verification is by carrying out step 3；
Step 3, examination & verification passes through, and goods is supervised by goods monitoring platform；
Step 4, loan origination, financing fund is delivered to buyer-specific account of financing；
Step 5, orientation pays, and fund of financing is from buyer-specific bill payment to seller account, and confirms payment instruction；
Step 6, financing futures value monitoring, goods monitoring platform price monitor, price of goods drop after, financing the buyer need and
Time pay fluctuation guarantee fund；
Step 7, financing terminates, the most full-amount fund of the buyer of financing, and then redeems goods.
Staple commodities online order financing transaction system the most according to claim 7, it is characterised in that: described master control
The method of cell processing Transaction Information is:
Step one, financing buyer's registration and qualification, offer special financing account, financing account pays trustship；
Step 2, the financing buyer submits order financing application online to, examines sequence information, and goods monitoring platform carries out price to be commented
After estimating, provide basic guarantee gold ratio and early warning guarantee fund's ratio；The financing buyer is paying basic guarantee gold and early warning guarantee
Jin Hou, seller's goods is audited by goods monitoring platform；Examination & verification is not passed through, then apply for terminating, deposit released；Examination & verification
By carrying out step 3；
Step 3, examination & verification passes through, and goods is supervised by goods monitoring platform；
Step 4, payment for goods granting, financing fund is delivered to buyer-specific account of financing, and platform user, after receiving loaning bill, is used
Interest guarantee fund need to be paid in full amount in 24 hours in family by Platform Requirements；
Step 5, orientation pays, and fund of financing is from buyer-specific bill payment to seller account, and confirms payment instruction；
Step 6, financing futures value monitoring, goods monitoring platform price monitor, price of goods drop after, financing the buyer need and
Time pay fluctuation guarantee fund；If the buyer fails immediately to pay additional relevant guarantee fund, buyer guarantee fund is fully penalized by platform
Not yet；(guarantee fund that exceeds the time limit pays back the borrowed money as platform user the part of capital, if gained cost of closing a position be enough to repay platform finance
Anthority, the guarantee fund that exceeds the time limit consults to return the buyer according to practical situation.
Step 7, financing terminates, the most full-amount fund of the buyer of financing, and then redeems goods.
Priority Applications (1)
| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| CN201610343370.4A CN105844515A (en) | 2016-05-20 | 2016-05-20 | Bulk commodity online order financing transaction system |
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| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| CN201610343370.4A CN105844515A (en) | 2016-05-20 | 2016-05-20 | Bulk commodity online order financing transaction system |
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| CN105844515A true CN105844515A (en) | 2016-08-10 |
Family
ID=56593999
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| Application Number | Title | Priority Date | Filing Date |
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| CN201610343370.4A Pending CN105844515A (en) | 2016-05-20 | 2016-05-20 | Bulk commodity online order financing transaction system |
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| CN110135828A (en) * | 2019-05-07 | 2019-08-16 | 惠龙易通国际物流股份有限公司 | Online financing settlement method and platform |
| CN110322214A (en) * | 2019-05-14 | 2019-10-11 | 招银云创（深圳）信息技术有限公司 | Restoring files method and apparatus |
| CN110288476A (en) * | 2019-06-26 | 2019-09-27 | 李军棉 | Method of commerce and block trade platform based on block trade platform |
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| CN112785364A (en) * | 2019-11-11 | 2021-05-11 | 中钢银通电子商务股份有限公司 | Supply chain financial service method and system suitable for bulk commodity online transaction |
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| CN112990907A (en) * | 2019-12-02 | 2021-06-18 | 中钢银通电子商务股份有限公司 | Method and device for small credit granting based on bulk commodities and electronic equipment |
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