CN107220891A - A kind of asset monitor and risk control pattern based on finance storage - Google Patents

A kind of asset monitor and risk control pattern based on finance storage Download PDF

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Publication number
CN107220891A
CN107220891A CN201710381675.9A CN201710381675A CN107220891A CN 107220891 A CN107220891 A CN 107220891A CN 201710381675 A CN201710381675 A CN 201710381675A CN 107220891 A CN107220891 A CN 107220891A
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financing
asset management
financial
enterprise
management mechanism
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李柏平
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Li Baiping
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Guangdong Money Union Net Asset Management Co Ltd
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    • GPHYSICS
    • G06COMPUTING; CALCULATING OR COUNTING
    • G06QINFORMATION 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
    • G06Q40/00Finance; Insurance; Tax strategies; Processing of corporate or income taxes
    • G06Q40/03Credit; Loans; Processing thereof
    • GPHYSICS
    • G06COMPUTING; CALCULATING OR COUNTING
    • G06QINFORMATION 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
    • G06Q10/00Administration; Management
    • G06Q10/06Resources, workflows, human or project management; Enterprise or organisation planning; Enterprise or organisation modelling
    • G06Q10/063Operations research, analysis or management
    • G06Q10/0635Risk analysis of enterprise or organisation activities

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Abstract

The invention discloses a kind of asset monitor based on finance storage and risk control pattern, including:The warehouse receipt of pledging that financial store company is signed and issued by warehouse receipt management system is committed to the financial platform of asset management mechanism and obtains financing by financing enterprise, movable property is handed over to financial store company's supervision and the movable property right to use is handed over into asset management mechanism by financing enterprise, and financial store company is supervised by supervising platform to warehoused cargo and by feeding back supervision information between supervising platform and asset management mechanism and financing enterprise.The present invention is supervised by the financial warehousing management company of third party to financing enterprise goods, ensure that the value lower limit of collateral security is not less than agreement bottom line, take precautions against supervision risk, reduce the asset management mechanism risk of itself, improve asset management mechanism profit margin, Financing is also contributed to, medium-sized and small enterprises' stock is vitalized, avoids connected guarantee risk, credit extending channel have been widened.

Description

A kind of asset monitor and risk control pattern based on finance storage
Technical field
The invention belongs to financial storage field, more particularly to a kind of asset monitor and risk control mould based on finance storage Formula.
Background technology
With the progress in epoch, market economy is more and more flourishing, and emerging warehouse logisticses industry has progressively broken away from original Traditional mode, emerge in large numbers many new business.Modern enterprise has increasing need for promoting by various financing means the hair of enterprise Exhibition, many enterprises are absorbed in the bottleneck of fund development, it is necessary to financial institution loan, and financial institution loan carries to enterprise The risk of loan, it is necessary to enterprise is pledged using itself goods as loan, and financial institution can not be also impossible to it is regular to goods Thing is directly managed.
The content of the invention
The problem of existing for prior art, the invention provides a kind of asset monitor based on finance storage and risk control Molding formula.
The present invention is achieved in that a kind of asset monitor based on finance storage and risk control pattern include:Financing Financial store company is pledged the financial platform that warehouse receipt is committed to asset management mechanism by enterprise by what warehouse receipt management system was signed and issued And financing is obtained, movable property is handed over to financial store company's supervision and the movable property right to use is handed over into asset management machine by financing enterprise Structure, financial store company is supervised to warehoused cargo by supervising platform and by supervising platform and asset management mechanism and melted Provide feedback supervision information between enterprise.
Further, the financing total value that financing enterprise is obtained by the financial platform of asset management mechanism, which is not higher than, pledges movable property The 70% of total value.
Further, the idiographic flow of current assets mortgage includes:
Step 1: financing enterprise is supervised goods warehousing to financial store company or store company sends supervisor to move into Financing enterprise is supervised to collateral security;
Step 2: completing after storage formality, financial store company assesses value of goods and is signed and issued to financing by warehouse receipt management system Enterprise's warehouse receipt and as goods pledge guarantee by asset management mechanism carry out warehouse inquiry put on record;
Step 3: financing enterprise, which is held, pledges financial platform acquisition financing of the warehouse receipt from asset management mechanism;
Step 4: financing enterprise is overdue or during without loan repayment capacity, collateral security is cashed and gone back by supervising platform by store company Money is refunded to financial platform investor in 24 hours, asset management mechanism is with melting by asset management mechanism to asset management mechanism Provide enterprise and release debtor-creditor relationship.
Further, the idiographic flow of floating asset monitoring is:
Step 1: movable property is handed over to financial store company by financing enterprise;
Step 2: financial store company is supervised by supervising platform to warehoused cargo and by supervising platform and asset management Feedback supervision information between mechanism;
Step 3: when collateral security the market price less than agreement the collateral security minimum market price when, asset management mechanism is to gold Melt store company to send instruction by supervising platform to complete financing enterprise addition collateral security or guarantee fund;
Step 4: financing enterprise is overdue or during without loan repayment capacity, goods is reclaimed by repurchase side by supervising platform;
Step 5: when financing enterprise collateral security under detention needs external bargain transaction, the goods for the value such as financier provides in advance Warehouse entry.
The present invention is supervised by the financial warehousing management company of third party to financing enterprise goods, ensures the valency of collateral security Value lower limit is not less than agreement bottom line, takes precautions against supervision risk, reduces the asset management mechanism risk of itself, improve asset management Mechanism profit margin, it helps Financing, vitalize medium-sized and small enterprises' stock, avoid connected guarantee risk, is widened Credit extending channel.
Brief description of the drawings
Fig. 1 is the current assets mortgage flow chart provided in an embodiment of the present invention based on finance storage;
Fig. 2 is floating asset monitoring flow chart provided in an embodiment of the present invention.
Embodiment
In order to further understand the content, features and effects of the present invention, hereby enumerating following examples, and coordinate accompanying drawing Describe in detail as follows.
The structure to the present invention is explained in detail below in conjunction with the accompanying drawings.
A kind of asset monitor and risk control pattern based on finance storage, including:Financing enterprise is by financial store company The warehouse receipt of pledging signed and issued by warehouse receipt management system is committed to the financial platform of asset management mechanism and obtains financing, financing enterprise Movable property is handed over to financial store company's supervision and the movable property right to use is handed over to asset management mechanism, financial store company passes through Supervising platform is supervised to warehoused cargo and supervised by being fed back between supervising platform and asset management mechanism and financing enterprise Information.
Further, the financing total value that financing enterprise is obtained by the financial platform of asset management mechanism, which is not higher than, pledges movable property The 70% of total value.
Further, the idiographic flow of current assets mortgage includes:
S101, financing enterprise are supervised goods warehousing to financial store company or store company sends supervisor's garrison to be melted Money enterprise supervises to collateral security;
After S102, completion storage formality, financial store company assesses value of goods and is simultaneously signed and issued to financing enterprise by warehouse receipt management system Industry warehouse receipt and as goods pledge guarantee by asset management mechanism carry out warehouse inquiry put on record;
S103, financing enterprise, which are held, pledges financial platform acquisition financing of the warehouse receipt from asset management mechanism;
S104, financing enterprise are overdue or during without loan repayment capacity, and collateral security is cashed and refunded by supervising platform by store company To asset management mechanism, refunded by asset management mechanism to financial platform investor, asset management mechanism and financing in 24 hours Enterprise releases debtor-creditor relationship.
Further, the idiographic flow of floating asset monitoring is:
Movable property is handed over to financial store company by S201, financing enterprise;
S202, financial store company are supervised by supervising platform to warehoused cargo and by supervising platform and asset management machine Feedback supervision information between structure;
S203, when collateral security the market price less than agreement the collateral security minimum market price when, asset management mechanism is to finance Store company sends instruction to complete financing enterprise addition collateral security or guarantee fund by supervising platform;
S204, financing enterprise are overdue or during without loan repayment capacity, and goods is reclaimed by repurchase side by supervising platform;
When S205, financing enterprise collateral security under detention need external bargain transaction, the goods for the value such as financier provides in advance enters Storehouse.
In embodiments of the present invention, financing enterprise has to leave behind enough movable properties, for producing what is had enough to meet the need and may replenish Need, a part of guarantee fund first paid if financing enterprise does not have enough goods to mend, for ensure financial institution's interests not by Damage, financing enterprise can not replenish at the appointed time, financial institution performs agreement, and movable property is auctioned.
The present invention is supervised by the financial warehousing management company of third party to financing enterprise goods, ensures the valency of collateral security Value lower limit is not less than agreement bottom line, takes precautions against supervision risk, reduces the asset management mechanism risk of itself, improve asset management Mechanism profit margin, it helps Financing, vitalize medium-sized and small enterprises' stock, avoid connected guarantee risk, is widened Credit extending channel.
It is described above to be only the preferred embodiments of the present invention, any formal limitation not is made to the present invention, Every technical spirit according to the present invention is belonged to any simple modification made for any of the above embodiments, equivalent variations and modification In the range of technical solution of the present invention.

Claims (4)

1. a kind of asset monitor and risk control pattern based on finance storage, it is characterised in that including:Financing enterprise is by finance The warehouse receipt of pledging that store company is signed and issued by warehouse receipt management system is committed to the financial platform of asset management mechanism and obtains financing, Movable property is handed over to financial store company's supervision and the movable property right to use is handed over into asset management mechanism, finance storage by financing enterprise Company is supervised by supervising platform to warehoused cargo and by between supervising platform and asset management mechanism and financing enterprise Feedback supervision information.
2. asset monitor and risk control pattern as claimed in claim 1 based on finance storage, it is characterised in that financing enterprise The financing total value obtained by the financial platform of asset management mechanism, which is not higher than, pledges the 70% of movable property total value.
3. asset monitor and risk control pattern as claimed in claim 1 based on finance storage, it is characterised in that current assets mortgage Idiographic flow include:
Step 1: financing enterprise is supervised goods warehousing to financial store company or store company sends supervisor to move into Financing enterprise is supervised to collateral security;
Step 2: completing after storage formality, financial store company assesses value of goods and is signed and issued to financing by warehouse receipt management system Enterprise's warehouse receipt and as goods pledge guarantee by asset management mechanism carry out warehouse inquiry put on record;
Step 3: financing enterprise, which is held, pledges financial platform acquisition financing of the warehouse receipt from asset management mechanism;
Step 4: financing enterprise is overdue or during without loan repayment capacity, collateral security is cashed and gone back by supervising platform by store company Money is refunded to financial platform investor in 24 hours, asset management mechanism is with melting by asset management mechanism to asset management mechanism Provide enterprise and release debtor-creditor relationship.
4. asset monitor and risk control pattern as claimed in claim 1 based on finance storage, it is characterised in that floating asset monitoring Idiographic flow be:
Step 1: movable property is handed over to financial store company by financing enterprise;
Step 2: financial store company is supervised by supervising platform to warehoused cargo and by supervising platform and asset management Feedback supervision information between mechanism;
Step 3: when collateral security the market price less than agreement the collateral security minimum market price when, asset management mechanism is to gold Melt store company to send instruction by supervising platform to complete financing enterprise addition collateral security or guarantee fund;
Step 4: financing enterprise is overdue or during without loan repayment capacity, goods is reclaimed by repurchase side by supervising platform;
Step 5: when financing enterprise collateral security under detention needs external bargain transaction, the goods for the value such as financier provides in advance Warehouse entry.
CN201710381675.9A 2017-05-26 2017-05-26 A kind of asset monitor and risk control pattern based on finance storage Pending CN107220891A (en)

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Cited By (16)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
CN107944763A (en) * 2017-12-19 2018-04-20 深圳市前海绿环供应链管理有限公司 A kind of air control management process for matching somebody with somebody money based on automobile buying finance
CN107958405A (en) * 2017-11-23 2018-04-24 壹化港(上海)网络科技有限公司 A kind of large chemicals financing transaction method
CN108564475A (en) * 2018-04-25 2018-09-21 上海专精特新金融信息服务有限公司 A kind of financing information processing method and processing device
CN109166035A (en) * 2018-07-03 2019-01-08 上海专精特新金融信息服务有限公司 A kind of method and system handling financing information
CN109447874A (en) * 2018-09-25 2019-03-08 广州新丝路信息科技有限公司 The management method and device of foreign trade integrated service enterprise
CN109711983A (en) * 2019-01-11 2019-05-03 中信梧桐港供应链管理有限公司 Current assets mortgage financing appraisal procedure and device based on block chain framework
WO2019201105A1 (en) * 2018-04-20 2019-10-24 菜鸟智能物流控股有限公司 Supply chain information risk control method, device and system
CN111429074A (en) * 2020-04-16 2020-07-17 北京京东振世信息技术有限公司 Warehouse-out control method, device and system
CN111681095A (en) * 2020-05-09 2020-09-18 中振区块链(深圳)有限公司 Intelligent supply chain application platform, operation method, financial application platform and financial financing method
CN112529690A (en) * 2020-12-16 2021-03-19 深圳市辰宝信息服务有限公司 Financial wind control management method, device, equipment and medium for bulk commodity supply chain
CN112669141A (en) * 2020-12-31 2021-04-16 深圳市辰宝信息服务有限公司 Block chain intelligent contract mechanism-based warehouse receipt pledge method for bulk commodities
CN113240232A (en) * 2021-03-31 2021-08-10 贵州云尚物联科技股份有限公司 Asset guarantee inspection early warning method based on block chain
CN113763155A (en) * 2021-09-14 2021-12-07 福建三钢闽光股份有限公司 Steel trade enterprise financing warehouse financing method based on cloud platform supply chain finance
CN113837871A (en) * 2021-01-08 2021-12-24 台州动产质押金融服务有限公司 Data management method suitable for mobile production financing buyback business
CN113837872A (en) * 2021-01-08 2021-12-24 台州动产质押金融服务有限公司 Data management system suitable for mobile asset financing buyback business
CN114066591A (en) * 2020-07-29 2022-02-18 胡晓平 Dynamic monitoring system for movable property pledge

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CN101957935A (en) * 2009-06-18 2011-01-26 苏州同盛仓储有限公司 Logistics finance integrated system and implementation method thereof
CN101980276A (en) * 2010-10-25 2011-02-23 重庆文迅科技股份有限公司 Fourth-party financial synergy service system and service method thereof
CN202084080U (en) * 2011-04-08 2011-12-21 重庆文迅科技股份有限公司 Financial pledge management system

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US20080312998A1 (en) * 2000-07-10 2008-12-18 Paypal, Inc. System and method for reducing riks associated with accepting a financial instrument
CN101957935A (en) * 2009-06-18 2011-01-26 苏州同盛仓储有限公司 Logistics finance integrated system and implementation method thereof
CN101980276A (en) * 2010-10-25 2011-02-23 重庆文迅科技股份有限公司 Fourth-party financial synergy service system and service method thereof
CN202084080U (en) * 2011-04-08 2011-12-21 重庆文迅科技股份有限公司 Financial pledge management system

Cited By (18)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
CN107958405A (en) * 2017-11-23 2018-04-24 壹化港(上海)网络科技有限公司 A kind of large chemicals financing transaction method
CN107944763B (en) * 2017-12-19 2021-07-16 深圳市前海绿环供应链管理有限公司 Wind control management process based on automobile purchasing financial allocation
CN107944763A (en) * 2017-12-19 2018-04-20 深圳市前海绿环供应链管理有限公司 A kind of air control management process for matching somebody with somebody money based on automobile buying finance
WO2019201105A1 (en) * 2018-04-20 2019-10-24 菜鸟智能物流控股有限公司 Supply chain information risk control method, device and system
CN108564475A (en) * 2018-04-25 2018-09-21 上海专精特新金融信息服务有限公司 A kind of financing information processing method and processing device
CN109166035A (en) * 2018-07-03 2019-01-08 上海专精特新金融信息服务有限公司 A kind of method and system handling financing information
CN109447874A (en) * 2018-09-25 2019-03-08 广州新丝路信息科技有限公司 The management method and device of foreign trade integrated service enterprise
CN109711983A (en) * 2019-01-11 2019-05-03 中信梧桐港供应链管理有限公司 Current assets mortgage financing appraisal procedure and device based on block chain framework
CN111429074A (en) * 2020-04-16 2020-07-17 北京京东振世信息技术有限公司 Warehouse-out control method, device and system
CN111681095A (en) * 2020-05-09 2020-09-18 中振区块链(深圳)有限公司 Intelligent supply chain application platform, operation method, financial application platform and financial financing method
CN114066591A (en) * 2020-07-29 2022-02-18 胡晓平 Dynamic monitoring system for movable property pledge
CN112529690A (en) * 2020-12-16 2021-03-19 深圳市辰宝信息服务有限公司 Financial wind control management method, device, equipment and medium for bulk commodity supply chain
CN112669141A (en) * 2020-12-31 2021-04-16 深圳市辰宝信息服务有限公司 Block chain intelligent contract mechanism-based warehouse receipt pledge method for bulk commodities
CN113837871A (en) * 2021-01-08 2021-12-24 台州动产质押金融服务有限公司 Data management method suitable for mobile production financing buyback business
CN113837872A (en) * 2021-01-08 2021-12-24 台州动产质押金融服务有限公司 Data management system suitable for mobile asset financing buyback business
CN113240232A (en) * 2021-03-31 2021-08-10 贵州云尚物联科技股份有限公司 Asset guarantee inspection early warning method based on block chain
CN113240232B (en) * 2021-03-31 2023-08-25 贵州云尚物联科技股份有限公司 Asset guarantee checking and early warning method based on blockchain
CN113763155A (en) * 2021-09-14 2021-12-07 福建三钢闽光股份有限公司 Steel trade enterprise financing warehouse financing method based on cloud platform supply chain finance

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Effective date of registration: 20191206

Address after: No. 27, group 6, Huashi village, TANGTIAN Town, Shaoyang County, Shaoyang City, Hunan Province

Applicant after: Li Baiping

Address before: 523000, Guangdong Province, Dongguan City Nancheng street, 111 Tai Wan Road, No. two building, No. 16, building

Applicant before: Guangdong money union Net Asset Management Co., Ltd.