CN106251221A - Pothook type finance product business audit system - Google Patents
Pothook type finance product business audit system Download PDFInfo
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- CN106251221A CN106251221A CN201610553907.XA CN201610553907A CN106251221A CN 106251221 A CN106251221 A CN 106251221A CN 201610553907 A CN201610553907 A CN 201610553907A CN 106251221 A CN106251221 A CN 106251221A
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- finance product
- audit system
- business audit
- pothook type
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- G—PHYSICS
- G06—COMPUTING; CALCULATING OR COUNTING
- 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
- G06Q40/00—Finance; Insurance; Tax strategies; Processing of corporate or income taxes
- G06Q40/06—Asset management; Financial planning or analysis
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Abstract
For solving existing the Internet pothook type finance product examination & verification weakness, publisher and the information asymmetry of investor, investor lacks professional ability and is difficult to the undulatory property to hook assets and has correct judgement with the relatedness of finance product, the present invention proposes a kind of pothook type finance product business audit system, including business audit system and business audit system afterwards in business audit system in advance, thing.This system is online examination & verification based on computer intelligence system.The parameter of computer intelligence auditing system and variable arrange and can set flexibly according to the different demands of publisher or investor.Pothook type finance product business is audited by the examination & verification of legal compliance and fund appropriation, can effectively strengthen standardization and the safety construction of pothook type finance product, thus avoid many not conform to, because of program, the risk that rule are caused, both enhanced financing security, and had higher requirement the most also to publisher in terms of legal compliance construction, risk control, internal control.
Description
Technical field
The present invention relates to finance product Sales Channel resource network application technology, be related specifically to a kind of pothook type financing
Product business audit system.
Background technology
In recent years, finance product emerges in an endless stream, and has become the important component part of financial industry.But, due to financing
The extra normal development of product, the swift and violent growth of finance product Sales Channel platform, the beneficially prosperity in China's Financial market and sending out
Exhibition.But, we can also recognize Rapid Expansion clear-headedly, lacks the business audit system resonable property conduct of professional ability
Industry particularly the Internet finance product defines numerous risk assets, due in the Internet finance product Sales Channel platform
Control, examination & verification system lack of standardization, very different at the finance product of online spending, shoddy phenomenon happens occasionally, and commonly dissipates
Family investor distinguishes knowledge due to shortage specialty, and the finance product being often concealed packaging is confused, thus causes property
Loss.The constraint of breakthrough industry needs innovation, needs to win the space of long-run development with the behave of system norms, and this is accomplished by mutually
Networking finance services carries out legal compliance examination & verification, eliminates information asymmetry, improves Allocation Efficiency.
The hook finance product business audit system of the present invention seeks to solve the non-standard of current finance product, unordered
The problem of property, by building of the Internet auditing system, to the qualification of hook finance product sponsor, credit, financial operation shape
Condition carries out legal review of compliance, to the guarantee fund in process of exchange, completes a business transaction compliance and audits, to the finance product survival phase
In value of the product and complete a business transaction payment and audit.By setting up successive check in advance, in thing, afterwards, audit layer by layer, not only to have
Effect eliminates the information asymmetry between investor and factor and shareholder, and advises by focusing on legal conjunction
Property examination & verification aspect, not only can effectively strengthen information when common investor does decision-making, thus form Pareto improvement, optimize
Resource distribution, and can effectively reduce moral hazard.In a word, by auditing system being introduced financing industry particularly hook reason
Property product business, can effectively strengthen the legal compliance construction of industry, the beneficially long-range health of hook finance product business
Development.
Summary of the invention
Adulterate for solving existing finance product particularly the Internet pothook type finance product, sponsor, intermediary
With the information asymmetry of investor, sponsor lacks professional ability and is difficult to contemplate that underlying assets and follow-up project construction
Correct judgement, the present situation that industry wind control, compliance construction are scarcely out of swaddling-clothes, the present invention proposes a kind of pothook type financing and produces
Product business audit system, this system includes business audit system and business audit system afterwards in business audit system in advance, thing.
Business audit system in advance includes target assets stability, market accreditation property, maturity, history expression power etc. intrinsic characteristic
Audit with publisher's standing.In thing, business audit system includes that trading margin auditing system, investor and publisher buy
Sell omnidistance examination & verification and the examination & verification of payment funding of pothook type finance product process of exchange.In thing business audit system also include right
Pothook type finance product is the dynamic examining of value of the product within the survival phase, the examination & verification to secondary market dealing overall process transaction, bag
Including but be not limited to both parties and sign a contract online, transferring etc. of fund is audited.Post audit system includes but not limited to
Finance product and on-line payment is completed a business transaction comprehensive to the overall process of valency pothook type finance product redemption phase investor and publisher
Examination & verification.In the business audit system in advance of this system, thing, business audit system and business audit system afterwards is all based on meter
The online examination & verification of calculation machine intelligence system.The parameter of computer intelligence auditing system and variable are arranged can be according to publisher or throwing
The different demands of capital set flexibly.
Accompanying drawing explanation
Accompanying drawing 1 is the structural representation of pothook type finance product business audit system.
Detailed description of the invention
As shown in Figure 1, invention hook type finance product business audit system, this system includes business audit system in advance
Business audit system and business audit system afterwards in system, thing.Business audit system in advance includes target assets stability, city
Intrinsic characteristic and publisher's standing are audited by field accreditation property, maturity, history expression power etc..Business audit system bag in thing
Include trading margin auditing system, investor and publisher and buy and sell omnidistance examination & verification and the money of pothook type finance product process of exchange
The examination & verification that gold pays.In thing, business audit system also includes examining pothook type finance product the dynamic of value of the product within the survival phase
Core, the examination & verification to secondary market dealing overall process transaction, include but not limited to that both parties sign a contract online, transferring of fund
Etc. auditing.Post audit system includes but not limited to complete a business transaction reason pothook type finance product redemption phase investor and publisher
Property product and the on-line payment comprehensive examination & verification of overall process to valency.Business audit in the business audit system in advance of this system, thing
The online examination & verification of the computer intelligence system that is all based on of system and business audit system afterwards.Computer intelligence auditing system
Parameter and variable arrange and can set flexibly according to the different demands of publisher or investor.
Publisher's Online release pothook type finance product business, pothook type finance product business audit system i.e. starts work
Make.Not only can be to pothook type finance product by the advance auditing system investments side of pothook type finance product business audit system
The distribution qualification of publisher, with target assets compliance, undulatory property, risk and effectiveness, the history lists of finance product hook
Existing property etc. carries out emphasis examination & verification, and the agreement terms of hook are carried out emphasis examination & verification, by hook product undulatory property and finance product
With the relatedness of hook product jointly determine risk level and can income level for reference, be used for investor's decision-making.And
With the input parameter of sets itself advance auditing system and variable, risk can be carried out further decomposition analysis.Confirming that both sides buy
While selling transaction, auditing system starts in thing immediately to be audited, and audits the contract terms of both parties, attached to paying
Adding, fund is drawn to pay and is audited, and to guarantee legal compliance and the safety of transaction funds of transaction, thus protects both sides to work as thing
The interests of people.After investor and publisher complete to complete a business transaction and disburse funds, auditing system starts the valency to pothook type finance product
Value dynamic examining, as one-level investor has the wish of sale to finance product, has purchase pothook type finance product in secondary market
Wish, can carry on transactions, in these current events, business audit system is to including but not limited to that both sides' contract and fund are appropriated
Audit, to meet the legal demand closing rule and financing security.When pothook type finance product enter redeem after date, time industry
Business auditing system plays a role, and can complete a business transaction pothook type finance product and payment examines, finally file concluding a research item.
By in pothook type finance product business audit system thing in advance afterwards three layers of auditing system the most legal conjunction rule
Property examination & verification and fund appropriation audit, can effectively strengthen standardization and the safety construction of pothook type finance product, thus avoid
Many does not conforms to, because of program, the risk that rule are caused, and has both enhanced the financing security of investor, gives publisher legal the most yet
Compliance construction, risk control, internal control aspect are had higher requirement, only by strong institutional improvement,
Can promote that pothook type finance product and other complexity financial products such as structural, in the development of China and prosperity, thus improve
The China's Financial market vitality, promotes prosperity and the development in financial market.
Claims (7)
1. a pothook type finance product business audit system, it is characterised in that: this system includes business audit system in advance, thing
Middle business audit system and business audit system afterwards.
Pothook type finance product business audit system the most according to claim 1, it is characterised in that: business audit system in advance
System includes entering target assets stability, market accreditation property, maturity, history expression power etc. to intrinsic characteristic and publisher's standing
Row examination & verification.
Pothook type finance product business audit system the most according to claim 1, it is characterised in that: business audit system in thing
System include trading margin auditing system, investor and publisher buy and sell the omnidistance examination & verification of pothook type finance product process of exchange with
And the examination & verification of payment funding.
Pothook type finance product business audit system the most according to claim 1, it is characterised in that: business audit system in thing
System includes pothook type finance product dynamic examining of value of the product within the survival phase, to secondary market dealing overall process transaction
Examination & verification, includes but not limited to that both parties sign a contract online, transferring of fund.
Pothook type finance product business audit system the most according to claim 1, it is characterised in that: post audit system bag
Include but be not limited to redeem phase investor and publisher at pothook type finance product and complete a business transaction complete to valency of finance product and on-line payment
The comprehensive examination & verification of process.
6. according to the pothook type finance product business audit system described in claim 1,2,3,4 and 5, it is characterised in that: in advance
In business audit system, thing, business audit system and business audit system afterwards is based on computer intelligence system online examine
Core.
7. according to the pothook type finance product business audit system described in claim 1,2,3,4,5 and 6, it is characterised in that: meter
Parameter and the variable of calculating quick-witted energy auditing system arrange and can set flexibly according to the different demands of publisher or investor
Fixed.
Priority Applications (1)
| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| CN201610553907.XA CN106251221A (en) | 2016-06-28 | 2016-06-28 | Pothook type finance product business audit system |
Applications Claiming Priority (1)
| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| CN201610553907.XA CN106251221A (en) | 2016-06-28 | 2016-06-28 | Pothook type finance product business audit system |
Publications (1)
| Publication Number | Publication Date |
|---|---|
| CN106251221A true CN106251221A (en) | 2016-12-21 |
Family
ID=57613840
Family Applications (1)
| Application Number | Title | Priority Date | Filing Date |
|---|---|---|---|
| CN201610553907.XA Pending CN106251221A (en) | 2016-06-28 | 2016-06-28 | Pothook type finance product business audit system |
Country Status (1)
| Country | Link |
|---|---|
| CN (1) | CN106251221A (en) |
Cited By (1)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| CN108573450A (en) * | 2017-03-09 | 2018-09-25 | 派衍信息科技(苏州)有限公司 | A kind of comprehensive real-time risk processing system of assets trustship valuation |
-
2016
- 2016-06-28 CN CN201610553907.XA patent/CN106251221A/en active Pending
Cited By (2)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| CN108573450A (en) * | 2017-03-09 | 2018-09-25 | 派衍信息科技(苏州)有限公司 | A kind of comprehensive real-time risk processing system of assets trustship valuation |
| CN108573450B (en) * | 2017-03-09 | 2021-09-17 | 派衍信息科技(苏州)有限公司 | All-round real-time risk processing system of asset trusteeship valuation |
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| C06 | Publication | ||
| PB01 | Publication | ||
| C10 | Entry into substantive examination | ||
| SE01 | Entry into force of request for substantive examination | ||
| WD01 | Invention patent application deemed withdrawn after publication |
Application publication date: 20161221 |
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| WD01 | Invention patent application deemed withdrawn after publication |