CN106600411A - Financial management system - Google Patents
Financial management system Download PDFInfo
- Publication number
- CN106600411A CN106600411A CN201611139980.9A CN201611139980A CN106600411A CN 106600411 A CN106600411 A CN 106600411A CN 201611139980 A CN201611139980 A CN 201611139980A CN 106600411 A CN106600411 A CN 106600411A
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- CN
- China
- Prior art keywords
- gold
- management system
- user
- investment
- golden
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Classifications
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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
- G06Q40/04—Trading; Exchange, e.g. stocks, commodities, derivatives or currency exchange
-
- 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
-
- 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
- G06Q40/08—Insurance
Abstract
The invention discloses a financial management system, and is applied to the technical field of financial management. The financial management system applies internet technologies to dock with investment demand of users for purchasing gold for value preservation and increase and financing demand of gold and jewelry upstream and downstream enterprises for industrial expansion, an industry credit system is established based on deep accumulation of the industry and technologies of cloud computing, big data and mobile internet, risk control of the financing enterprises is intensified through a vertical risk control model, and gold price fluctuation risks are controlled through a gold transaction technological means, thereby truly realizing efficient configuration and application of industry resources, and meeting investment demand of users for purchasing gold to realize value preservation and increase and liquidity.
Description
Technical field
The present invention relates to Financial Management technical field, more particularly to a kind of banking management system.
Background technology
User buys the shortcoming of gold, existing product and technology, including：
1st, purchase venue is limited：The place that user need to pass through to specify is bought (such as bank), particularly with some from specified field
Institute farther out when, can bring trip inconvenience；
2nd, buying expenses is high：By bank buy gold, expense to be not only higher by 30-50 unit/gram, also need pay it is a series of
The fee, demurrage, delivery of cargo take, delivery expense etc., at least to collect 15-30 it is first/gram expense, each bank's fee-collection standard and meter
Calculation mode is different；
3rd, keeping is difficult：After user's purchase gold, keeping need to be voluntarily taken home, safety is not ensured, or be placed on bank guarantor
Pipe, need to buy safe deposit box, pay certain inventory carrying cost；
4th, resource cannot be effectively matched：User's purchase gold is that, for value preserving and appreciation, and mostly gold processing enterprise also needs
Gold raw material is bought, how the hand-held gold of user to be got up with enterprise with golden demand matchingMake limited gold resource
It is fully utilized.
The content of the invention
The technical problem to be solved in the present invention is to provide a kind of banking management system.
It is an object of the invention to provide a kind of banking management system, including：Registering and logging system, customer account management system
System, broker management system, data analysiss and reporting system, investment deal air control system, investment deal system, operation management system
System, payment and settlement system；
The registering and logging system, for providing registering and logging interface, for user's registration and login system, Yong Hu
After registering and logging system, purchase gold product is selected；
The client management system, for management to be by the registering and logging system registry and login system and have purchased
The user of gold product；
The broker management system, for management the broker that client buys gold product is introduced；
The data analysiss and reporting system, for buying insurable value of gold, increment and the investment demand of mobility to client
Carry out data analysiss and form analytical data form, to meet client's purchase insurable value of gold, increment and the investment of mobility；
The investment deal air control system, makes a reservation for the golden enterprise of gold bar part for filtering out to reach；
The investment deal system, for what is filtered out according to the investment deal air control system predetermined gold bar is reached
The golden enterprise of use of part, gold is put to predetermined gold bar part is reached with golden enterprise；
The operation management system, have purchased the user of gold product, uses the investment of golden enterprise, mobility to need for management
Ask；
The payment and settlement system, for calculating the gold gain of the user that have purchased gold product, is carried by agreed period
The user is given to for arranging gold and income；Calculate with golden enterprise by means of golden interest, collect by agreed period and repaid with golden enterprise
Agreement gold and interest.
Wherein, the registering and logging system, for providing registering and logging interface, for user web page, app is passed through
The registering and logging system such as software, wechat, user selects purchase gold product after registering and logging system.
Wherein, the data analysiss and reporting system, for using cloud computing, big data, mobile Internet, purchasing to client
Buying insurable value of gold, increment and the investment demand of mobility carries out data analysiss and forms analytical data form, to meet client's purchase
Buy insurable value of gold, increment and the investment of mobility.
Wherein, the investment deal air control system, for the analysis formed according to the data analysiss and reporting system
Data sheet, gold is borrowed to application does responsible investigation and risk control with golden enterprise, filters out the use for reaching predetermined gold bar part
Golden enterprise.
Wherein, the investment deal system, it is predetermined for reaching of being filtered out according to the investment deal air control system
With the golden enterprise of gold bar part, gold is put with golden enterprise to predetermined gold bar part is reached by Third-party payment deposit mechanism.
Wherein, the payment and settlement system, for calculating the gold gain of the user that have purchased gold product, by the 3rd
Fang Zhifu deposit mechanisms provide agreement gold by agreed period and income is given to the user.
Wherein, the payment and settlement system, for calculating with golden enterprise by means of golden interest, by Third-party payment trustship machine
Structure is collected the agreement gold and interest repaid with golden enterprise by agreed period.
The value-added investment demand of banking management system application Internet technology of the present invention docking user's purchase insurable value of gold and
The financing needs of gold and jewelry upstream and downstream firms industry extension, based on the deep accumulation to industry and cloud computing, big data and shifting
The industry credit system that the technologies such as dynamic the Internet are set up, by vertical risk management and control model the risk control to financing enterprise is strengthened
System, by gold trade technological means management and control price of gold fluctuation risk, so as to really realize industry resource high-efficient disposition and
Using, meet user purchase insurable value of gold, increment and mobility investment demand.
Description of the drawings
Fig. 1, is the schematic diagram of banking management system of the present invention.
Specific embodiment
The present invention provides a kind of banking management system, is applied to Financial Management technical field, banking management system of the present invention
Using the value-added investment demand of Internet technology docking user's purchase insurable value of gold and the extension of gold and jewelry upstream and downstream firms industry
Financing needs, based on the technologies such as the deep accumulation and cloud computing, big data and mobile Internet to industry set up industry letter
With system, the risk control to financing enterprise is strengthened by vertical risk management and control model, by gold trade technological means pipe
Control price of gold fluctuation risk, so as to really realize the high-efficient disposition and application of industry resource, meet user purchase insurable value of gold,
Increment and the investment demand of mobility.
In order that the objects, technical solutions and advantages of the present invention become more apparent, it is right below in conjunction with drawings and Examples
The present invention is further elaborated.It should be appreciated that specific embodiment described herein is only to explain the present invention, and
It is not used in the restriction present invention.
The present invention provides a kind of banking management system.
Refer to Fig. 1, Fig. 1 is the schematic diagram of banking management system of the present invention, banking management system of the present invention 10, including：
Registering and logging system 101, client management system 102, broker management system 103, data analysiss and reporting system 104, throwing
Money transaction air control system 105, investment deal system 106, operation management system 107, payment and settlement system 108；
Registering and logging system 101, for providing registering and logging interface, for user by web page, app softwares, micro-
The registering and logging systems such as letter, user selects purchase gold product after registering and logging system；
Client management system 102, for management to be by the registering and logging system of registering and logging system 101 and have purchased Huang
The user of golden product；
Broker management system 103, for management the broker that client buys gold product is introduced；
Data analysiss and reporting system 104, for using technological means such as cloud computing, big data, mobile Internets, to visitor
Family purchase insurable value of gold, increment and the investment demand of mobility carry out data analysiss and form analytical data form, to meet visitor
Family purchase insurable value of gold, increment and the investment of mobility；
Investment deal air control system 105, for the analytical data report formed according to data analysiss and reporting system 104
Table, gold is borrowed to application does responsible investigation and risk control with golden enterprise, filter out reach predetermined gold bar part with gold enterprise；
Investment deal system 106, for reaching of being filtered out according to investment deal air control system 105 to be predetermined gold bar part is used
With golden enterprise, gold is put to predetermined gold bar part gold enterprise is reached by Third-party payment deposit mechanism；
Operation management system 107, have purchased the user of gold product, uses the investment of golden enterprise, mobility to need for management
Ask；
Payment and settlement system 108, for calculating the gold gain of the user that have purchased gold product, by Third-party payment
Deposit mechanism provides agreement gold by agreed period and income is given to the user；Calculate with golden enterprise by means of golden interest, by the
Tripartite pays deposit mechanism and the agreement gold and interest repaid with golden enterprise is collected by agreed period.
User by the registering and logging system such as web page, app softwares, wechat, user after registering and logging system,
Purchase gold product is selected, purchase contract is signed；Secondly after user's purchase gold, the Expiration Date is except the corresponding gold gain of enjoyment
Outward, upward revaluation of gold income can be also obtained, and if Expiration Date gold trade price drops, then user can be handed over by gold during purchase
Easily price is sold gold and is broken even, while can still obtain corresponding gold product income；Banking management system 10 is by the gold of customer investment
Lend needs by means of gold gold golden enterprise such as jewelry production, chip and sale enterprise, with golden enterprise according to about regular to application
Limit repays gold and interest, and interest is just stably produced in this borrows one also.
Banking management system of the present invention 10 is directly docked in real time with gold trade such as Shanghai gold trade, when user has
During purchase gold, banking management system of the present invention 10 can buy the gold of equivalent back from gold trade in time；Then the present invention is golden
Melting management system 10 can dock with golden enterprise demand, to carrying out responsible investigation and screening with golden enterprise, by big data analysis and
Central Bank's credit investigation system examination, finally confirms to put gold to golden enterprise；Finally by the operation in banking management system of the present invention 10
The management of management system 107 have purchased the user of gold product, use golden enterprise, the investment demand of mobility.
User completes registering and logging system by banking management system of the present invention 10, by selecting gold product purchase,
Gold and investment return are obtained after expiring, at the same can arrive after expiring the channel that banking management system of the present invention 10 specifies carry gold or
Person directly sells gold and obtains cash；Simultaneously the fund of user realizes same sticking into out, it is ensured that fund is perfectly safe；User's purchase gold
In Third-party payment deposit mechanism, banking management system of the present invention 10 can never touch money as information intermediary for fund trustship
Gold, by Third-party payment deposit mechanism full powers stipulated form managed fund is pressed；By with gold after being expired by means of golden project with golden enterprise
Gold and interest are given back by enterprise, then by funds transfer to Third-party payment deposit mechanism account, Financial Management system of the present invention
System 10 carries out repaying gold and interest according to the situation of customer investment.
Banking management system of the present invention 10 is using the value-added investment demand of Internet technology docking user's purchase insurable value of gold
With the financing needs of gold and jewelry upstream and downstream firms industry extension, based on the deep accumulation to industry and cloud computing, big data and
The industry credit system that the technologies such as mobile Internet are set up, by vertical risk management and control model the risk to financing enterprise is strengthened
Control, by gold trade technological means management and control price of gold fluctuation risk, so as to really realize the high-efficient disposition of industry resource
And application, meet user's purchase insurable value of gold, increment and the investment demand of mobility.
Banking management system of the present invention 10 is comprehensive to meet user's request, and its advantage includes：
1st, buy place not limit：Client can pass through web page, app softwares, the wechat of banking management system of the present invention 10
Deng buying gold whenever and wherever possible；
2nd, buying expenses is low：Such as Shanghai gold trade institute of the straight-through gold trade institute of price of gold, it is more cheap than bank and retail price
30-50 units/gram, zero fee is bought in addition；
3rd, zero retention fee：The gold bought by banking management system of the present invention 10 does not receive retention fee, supervises in overall process, safety
Trust；
4th, the gold bought by banking management system of the present invention 10, not only can take full-amount gold after expiring, also
A certain proportion of gold can be given to user；
5th, it is resource matched, sharing economy：The effectively concatenation of banking management system of the present invention 10 is bought gold user and is looked forward to gold
Industry two ends demand, realizes that resource high-efficiency is matched, and reaches the purpose of sharing economy.
It should be noted that herein, such as first and second or the like relational terms are used merely to a reality
Body or operation make a distinction with another entity or operation, and not necessarily require and either imply between these entities or operation
There is any this actual relation or order.And, term "comprising", " including " or its any other variant are intended to contain
Lid nonexcludability is included, so that process, method, article or equipment including a factor of system not only will including those
Element, but also including other key elements being not expressly set out, or also include for this process, method, article or equipment
Intrinsic key element.In the absence of more restrictions, by sentence " including one,,, " key element that limits, it is not excluded that
Also there is other identical element in the process including the key element, method, article, equipment or device.
For banking management system of the present invention, the form of realization is diversified.It is all in the spirit and principles in the present invention
Within, any modification, equivalent substitution and improvements made etc. should be included within the scope of the present invention.
Claims (7)
1. a kind of banking management system, it is characterised in that include：Registering and logging system, client management system, broker's management
System, data analysiss and reporting system, investment deal air control system, investment deal system, operation management system, fund clearing system
System；
The registering and logging system, for providing registering and logging interface, for user's registration and login system, user is in registration
After login system, purchase gold product is selected；
The client management system, for management to be by the registering and logging system registry and login system and have purchased gold
The user of product；
The broker management system, for management the broker that client buys gold product is introduced；
The data analysiss and reporting system, are carried out for buying insurable value of gold, increment and the investment demand of mobility to client
Data analysiss simultaneously form analytical data form, to meet client's purchase insurable value of gold, increment and the investment of mobility；
The investment deal air control system, makes a reservation for the golden enterprise of gold bar part for filtering out to reach；
The investment deal system, for the predetermined gold bar part of reaching filtered out according to the investment deal air control system
Golden enterprise is used, gold is put with golden enterprise to predetermined gold bar part is reached；
The operation management system, have purchased the user of gold product, uses the investment demand of golden enterprise, mobility for management；
The payment and settlement system, for calculating the gold gain of the user that have purchased gold product, is provided about by agreed period
Determine gold and income is given to the user；Calculate with golden enterprise by means of golden interest, the pact repaid with golden enterprise is collected by agreed period
Determine gold and interest.
2. banking management system as claimed in claim 1, it is characterised in that the registering and logging system, for providing note
Volume and login interface, for user by registering and logging systems such as web page, app softwares, wechats, user is in registering and logging
After system, purchase gold product is selected.
3. banking management system as claimed in claim 1, it is characterised in that the data analysiss and reporting system, for should
With cloud computing, big data, mobile Internet, insurable value of gold, increment and the investment demand of mobility are bought to client carries out data
Analytical data form is analyzed and is formed, to meet client's purchase insurable value of gold, increment and the investment of mobility.
4. banking management system as claimed in claim 1, it is characterised in that the investment deal air control system, for basis
The analytical data form that the data analysiss and reporting system are formed, gold is borrowed to application does responsible investigation and wind with golden enterprise
Dangerous control, filters out the golden enterprise of use for reaching predetermined gold bar part.
5. banking management system as claimed in claim 1, it is characterised in that the investment deal system, for according to described
What investment deal air control system was filtered out reaches the golden enterprise of use of predetermined gold bar part, is given by Third-party payment deposit mechanism
Reach predetermined gold bar part and put gold with golden enterprise.
6. banking management system as claimed in claim 1, it is characterised in that the payment and settlement system, for calculating purchase
The gold gain of the user of gold product, presses agreed period and provides agreement gold and income by Third-party payment deposit mechanism
It is given to the user.
7. banking management system as claimed in claim 1, it is characterised in that the payment and settlement system, for calculating gold
Enterprise by means of golden interest, the agreement gold and profit repaid with golden enterprise are collected by agreed period by Third-party payment deposit mechanism
Breath.
Priority Applications (1)
| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| CN201611139980.9A CN106600411A (en) | 2016-12-12 | 2016-12-12 | Financial management system |
Applications Claiming Priority (1)
| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| CN201611139980.9A CN106600411A (en) | 2016-12-12 | 2016-12-12 | Financial management system |
Publications (1)
| Publication Number | Publication Date |
|---|---|
| CN106600411A true CN106600411A (en) | 2017-04-26 |
Family
ID=58597547
Family Applications (1)
| Application Number | Title | Priority Date | Filing Date |
|---|---|---|---|
| CN201611139980.9A Pending CN106600411A (en) | 2016-12-12 | 2016-12-12 | Financial management system |
Country Status (1)
| Country | Link |
|---|---|
| CN (1) | CN106600411A (en) |
Cited By (4)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| CN107886315A (en) * | 2017-07-24 | 2018-04-06 | 陈文辉 | International payments system based on Φ |
| CN108717660A (en) * | 2018-06-13 | 2018-10-30 | 赵田田 | A kind of palm financial counseling system |
| CN111033405A (en) * | 2017-08-31 | 2020-04-17 | 通用电气公司 | Intellectual property exchange ecosystem for additive manufacturing |
| CN112991044A (en) * | 2021-03-10 | 2021-06-18 | 章庆松 | Gold loan management method and system |
-
2016
- 2016-12-12 CN CN201611139980.9A patent/CN106600411A/en active Pending
Cited By (5)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| CN107886315A (en) * | 2017-07-24 | 2018-04-06 | 陈文辉 | International payments system based on Φ |
| CN111033405A (en) * | 2017-08-31 | 2020-04-17 | 通用电气公司 | Intellectual property exchange ecosystem for additive manufacturing |
| CN111033405B (en) * | 2017-08-31 | 2023-08-22 | 通用电气公司 | Intellectual property exchange ecosystem for additive manufacturing |
| CN108717660A (en) * | 2018-06-13 | 2018-10-30 | 赵田田 | A kind of palm financial counseling system |
| CN112991044A (en) * | 2021-03-10 | 2021-06-18 | 章庆松 | Gold loan management method and system |
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Legal Events
| Date | Code | Title | Description |
|---|---|---|---|
| PB01 | Publication | ||
| PB01 | Publication | ||
| WD01 | Invention patent application deemed withdrawn after publication |
Application publication date: 20170426 |
|
| WD01 | Invention patent application deemed withdrawn after publication |