CN107730379A - A kind of method and system for generating credit - Google Patents
A kind of method and system for generating credit Download PDFInfo
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- CN107730379A CN107730379A CN201710966800.2A CN201710966800A CN107730379A CN 107730379 A CN107730379 A CN 107730379A CN 201710966800 A CN201710966800 A CN 201710966800A CN 107730379 A CN107730379 A CN 107730379A
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- 238000012795 verification Methods 0.000 claims abstract description 20
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Abstract
The present embodiments relate to a kind of method and system for generating credit.Wherein, this method includes：Obtain the corresponding with accounts payable information of user terminal transmission corresponding to enterprise and weigh application information really；Really power application information is audited according to the rule pre-set；When auditing result without mistaking, then determines that examination ＆ verification passes through information for really power application information according to auditing result；According to examination ＆ verification, by information and really, power application information generates credit, so that supplier obtains credit.The technical scheme provided by the present embodiment, on the one hand, realize technique effect that is quick and accurately generating credit；On the other hand, according to the credit of generation, the technique effect of fast financing is realized；It is with strong points and the flexibility of generation credit is high.
Description
Technical Field
The invention relates to the technical field of internet finance, in particular to a method and a system for generating credit.
Background
With the continuous development and progress of social science and technology, the industry combined with internet technology also shows a trend of rapid development, especially the internet finance development appearing in recent years is more rapid. The internet financial platform along with the method is also produced and developed vigorously. Like a P2P internet financial platform, a crowd funding financial platform, an e-commerce loan internet financial platform and a supply chain financial internet financial platform, the platforms play a positive role in optimizing financial resource allocation, improving resource allocation efficiency and solving the problems of difficult financing and expensive financing of small and medium-sized micro enterprises and the problem of asset allocation of low-and-medium-income scattered households. In the prior art, various management blocks are mainly arranged on an internet financial platform, and offline services are moved to the internet financial platform, so that the effects of providing traditional services such as loan, equity investment and the like for a user are achieved.
In carrying out the present invention, the inventors found that at least the following problems exist:
1. the technical disadvantages of not being able to generate credit for the supplier quickly and accurately and not realizing financing quickly;
2. lack flexibility and pertinence.
Disclosure of Invention
To solve the above technical problem, embodiments of the present invention provide a method and system for generating credit.
According to an aspect provided by the embodiments of the present invention, an embodiment of the present invention provides a method for generating credit, including:
acquiring accounts payable information sent by a user side corresponding to an enterprise and entitlement application information corresponding to the accounts payable information;
auditing the right-confirming application information according to a preset rule;
when the verification result indicates that the right confirming application information is correct, determining verification passing information according to the verification result;
and generating credit according to the auditing passing information and the right-confirming application information so that the supplier obtains the credit.
The embodiment provides that: the method comprises the steps that the right confirming application information corresponding to the acquired accounts payable information of the enterprise is checked according to a preset rule, if the checking result shows that the right confirming application information is correct, credit is generated according to the passing checking information and the right confirming application information, so that a supplier can obtain the technical scheme of the credit, and on one hand, the technical effect of quickly and accurately generating the credit is achieved; on the other hand, the technical effects of high flexibility, strong pertinence, safety and reliability are realized while the credit is generated; on the other hand, by generating credit, the technical defects of difficult financing and expensive financing of small and medium-sized micro enterprises and the asset allocation problem of low-medium income scattered households are overcome, and the technical effect of rapid financing is realized.
Further, the checking the right-confirming application information according to a preset rule specifically includes:
the right confirmation application information is forwarded to a user side corresponding to a superior unit of the payer;
receiving confirmation passing information which is sent by a user side corresponding to the superior unit of the payer and is determined according to the right confirmation application information;
forwarding the confirmation passing information to a user side corresponding to a supplier;
receiving trade voucher information which is sent by a user side corresponding to the supplier and determined according to the confirmation passing information;
auditing the trade certificate information;
when the trade certificate information is valid trade certificate information, forwarding the entitlement application information to a user side corresponding to the asset holder;
receiving an auditing result which is sent by a user side corresponding to the asset holder and is determined according to the right-confirming application information;
wherein, the upper-level unit of the payer and the asset holder are in upper-level and lower-level membership.
Through the technical scheme for auditing the entitlement confirmation application information according to the preset rule, the technical effect that the supplier can obtain credit money is achieved safely and reliably, the technical defects that middle and small micro enterprises are difficult to finance and expensive to finance and the assets of middle and small income households are allocated are further overcome, and the technical effect of rapid financing is achieved.
Further, the valid trade credentials include:
one or more of an effective contract, an effective purchase order, an effective delivery order, an effective warehousing order and an effective invoice.
It should be understood that the present disclosure is only exemplary of valid trade documents and should not be construed as limiting the implementation of the embodiments of the present invention in any way.
Further, after generating a credit according to the audit pass information and the entitlement application information so that a supplier obtains the credit, the method further comprises:
and changing the account information of the enterprise according to the credit, and sending the changed information to the user side corresponding to the enterprise.
The embodiment provides that: according to the technical scheme, the account information of the enterprise is changed according to the credit, and the change information is fed back to the enterprise, so that the technical defect that the information between the system and the enterprise is not symmetrical is overcome, and the technical effect of timely updating the information is realized.
Further, after the acquiring the entitlement application information corresponding to the accounts payable information sent by the user side corresponding to the enterprise, the method further includes:
acquiring bill information sent by a user side corresponding to the enterprise;
determining right-confirming transfer information according to the bill information;
generating credit according to the right-confirming transfer information so that a supplier generates the credit;
wherein the ticket information includes: merchant ticket information and/or bank ticket information.
The embodiment provides that: the method and the system for generating the credit have the advantages that the right-confirming transfer information is determined according to the acquired bill information sent by the user side corresponding to the enterprise, and the technical scheme of generating the credit according to the right-confirming transfer information further achieves the technical effect of enabling the supplier to obtain the credit quickly, accurately and reliably.
According to another aspect provided by the embodiment of the present invention, the embodiment of the present invention provides a system for generating credit corresponding to the above method, where the system includes:
an acquisition module: the right-confirming application information corresponding to the accounts payable information and sent by the user side corresponding to the enterprise is obtained;
an auditing module: the system is used for auditing the right-confirming application information according to a preset rule;
a determination module: the verification information processing unit is used for determining verification passing information according to the verification result when the verification result is that the right confirming application information is correct;
a generation module: and the system is used for generating credit according to the auditing and authorization application information so that the supplier can obtain the credit.
Further, the auditing module is specifically configured to:
the right confirmation application information is forwarded to a user side corresponding to a superior unit of the payer;
receiving confirmation passing information which is sent by a user side corresponding to the superior unit of the payer and is determined according to the right confirmation application information;
forwarding the confirmation passing information to a user side corresponding to a supplier;
receiving trade voucher information which is sent by a user side corresponding to the supplier and determined according to the confirmation passing information;
auditing the trade certificate information;
when the trade certificate information is valid trade certificate information, forwarding the entitlement application information to a user side corresponding to the asset holder;
receiving an auditing result which is sent by a user side corresponding to the asset holder and is determined according to the right-confirming application information;
wherein, the upper-level unit of the payer and the asset holder are in upper-level and lower-level membership.
Further, the valid trade credentials include:
one or more of an effective contract, an effective purchase order, an effective delivery order, an effective warehousing order and an effective invoice.
Further, the system further comprises:
a change module: and the system is used for changing the account information of the enterprise according to the credit and sending the changed information to the user side corresponding to the enterprise.
Further, the generation module is further configured to:
acquiring bill information sent by a user side corresponding to the enterprise;
determining right-confirming transfer information according to the bill information;
generating credit according to the right-confirming transfer information so that a supplier can obtain the credit;
wherein the ticket information includes: merchant ticket information and/or bank ticket information.
The embodiment of the invention has the advantages that the method and the device have the advantages that due account information sent by the user side corresponding to the enterprise is obtained; determining accounts payable authorization information of the enterprise according to the accounts payable information; determining accounts receivable authorization information of the asset holder according to the accounts payable authorization information; verifying the trade certificate provided by the user side corresponding to the supplier according to the receivable payment authority information; when the trade voucher is an effective trade voucher, the credit is generated according to the effective trade voucher so that a supplier can obtain the technical scheme of the credit, and on one hand, the technical effect of quickly and accurately generating the credit is achieved; on the other hand, the technical effects of high flexibility, strong pertinence, safety and reliability are realized while the credit is generated.
Drawings
FIG. 1 is a flow chart illustrating a method for generating credit according to an embodiment of the present invention;
FIG. 2 is a flowchart illustrating a method for generating credit according to another embodiment of the present invention;
FIG. 3 is a flowchart illustrating a method for generating credit according to another embodiment of the present invention;
FIG. 4 is a flowchart illustrating a method for generating credit according to another embodiment of the present invention;
FIG. 5 is a schematic diagram of a system for generating credit according to an embodiment of the present invention;
fig. 6 is a schematic structural diagram of a system for generating credit according to another embodiment of the present invention.
Detailed Description
In the following description, for purposes of explanation and not limitation, specific details are set forth such as the particular system architecture, interfaces, techniques, etc., in order to provide a thorough understanding of the present invention. It will be apparent, however, to one skilled in the art that the present invention may be practiced in other embodiments that depart from these specific details. In other instances, detailed descriptions of well-known systems, circuits, and methods are omitted so as not to obscure the description of the present invention with unnecessary detail.
The embodiment of the invention provides a method and a system for generating credit.
According to one aspect of an embodiment of the present invention, a method of generating credit is provided.
Referring to fig. 1, fig. 1 is a schematic flow chart illustrating a method for generating credit according to an embodiment of the invention.
As shown in fig. 1, the method includes:
step S100: acquiring the right-confirming application information corresponding to the accounts payable information sent by a user side corresponding to the enterprise;
step S200: checking the right-confirming application information according to a preset rule;
step S300: when the auditing result is that the right-confirming application information is correct, confirming the approved information according to the auditing result;
step S400: and generating credit according to the audit passing information and the right confirming application information so that the supplier obtains the credit.
In this embodiment, a supply chain exists between the supplier and the business, e.g., when the supplier provides goods for the business, the supplier receives the receivable vouchers provided by the business.
When a supplier wants to convert accounts receivable into credit, the enterprise sends accounts payable information to the system and sends the right confirming application information corresponding to the accounts payable information to the system, and the system checks the right confirming application information according to a preset rule. Two possibilities exist for the auditing result, one is that the auditing is passed, and the auditing passing information is obtained; one is failure to pass the audit. And if the audit is passed, namely under the condition that the audit passing information is obtained, generating credit according to the audit passing information and the right-confirming application information.
According to the technical scheme provided by the embodiment, on one hand, the technical effect of quickly and accurately generating credit is achieved; on the other hand, the technical effects of high flexibility, strong pertinence, safety and reliability are realized while the credit is generated; on the other hand, by generating credit, the technical defects of difficult financing and expensive financing of small and medium-sized micro enterprises and the asset allocation problem of low-medium income scattered households are overcome, and the technical effect of rapid financing is realized.
More specifically, the enterprise is a core enterprise.
The method comprises the steps of determining whether a certain enterprise is a core enterprise or not according to information such as financial conditions and operating conditions of the enterprise.
When the business income of an enterprise is greater than a preset first threshold value, dividing the enterprise into core enterprises; or,
when the business income of the enterprise continuously increases within N years, the enterprise is divided into core enterprises, wherein N is more than 1.
The credit is a transferable enterprise credit generated by taking an asset as a guarantee, and is based on accounts payable or bills between a core enterprise and a primary provider, namely, the primary provider must hold accounts payable or electronic bills (such as business tickets and bank tickets) generated by the core enterprise purchasing goods or services of the primary provider.
Referring to fig. 2, fig. 2 is a flowchart illustrating a method for generating credit according to another embodiment of the present invention.
As shown in fig. 2, step S200 specifically includes:
step S210: transmitting the right confirmation application information to a user side corresponding to the superior unit of the payer;
step S220: receiving confirmation passing information which is sent by a user side corresponding to a superior unit of the payer and is determined according to the right confirmation application information;
step S230: forwarding the confirmation passing information to a user side corresponding to the supplier;
step S240: receiving trade voucher information which is sent by a user side corresponding to a supplier and determined according to the confirmation passing information;
step S250: auditing the trade certificate information;
step S260: when the trade certificate information is effective trade certificate information, the right-confirming application information is forwarded to a user side corresponding to the asset holder;
step S270: receiving an auditing result which is sent by a user side corresponding to the asset holder and is determined according to the right-confirming application information;
wherein, the upper-level unit of the payer and the asset holder are in upper-level and lower-level membership.
For example: after receiving the right confirming application information sent by the enterprise through the corresponding user side, the system forwards the right confirming application information to the user side corresponding to the upper-level unit of the payer; the upper-level unit of the payer confirms the right confirmation application information to obtain confirmation passing information; the superior unit of the payer sends the confirmation passing information to the user end corresponding to the supplier through the corresponding user end; the supplier sends the trade voucher information to the system through the corresponding user side according to the confirmation passing information; the system audits the trade certificate information; when the auditing result is correct, the system forwards the right confirmation application information to a user side corresponding to the asset holder; the asset holder verifies the pledge registration information of the enterprise according to the right-confirming application information; when the auditing result is that the auditing is passed, the asset holder sends the auditing result to the system through the corresponding user side; and the system platform generates credit according to the auditing result.
Wherein, the upper-level unit of the payer and the asset holder are in a superior-inferior relationship. The superior unit of the payer may be the superior unit of the property holder, and the superior unit of the payer may be the superior two-level unit of the property holder. That is, the relationship between the upper level entity of the payer and the property holder may be a direct superordinate enterprise relationship or a subordinate enterprise relationship.
Through the technical scheme for auditing the entitlement confirmation application information according to the preset rule, the technical effect that the supplier can obtain credit money is achieved safely and reliably, the technical defects that middle and small micro enterprises are difficult to finance and expensive to finance and the assets of middle and small income households are allocated are further overcome, and the technical effect of rapid financing is achieved.
More specifically, valid trade credentials include:
one or more of an effective contract, an effective purchase order, an effective delivery order, an effective warehousing order and an effective invoice.
It should be understood that the present disclosure is only exemplary of valid trade documents and should not be construed as limiting the implementation of the embodiments of the present invention in any way.
Referring to fig. 3, fig. 3 is a flowchart illustrating a method for generating credit according to another embodiment of the present invention.
As shown in fig. 3, after step S400, the method includes:
step S500: and changing the account information of the enterprise according to the credit, and sending the changed information to the user side corresponding to the enterprise.
In this embodiment, after the enterprise applies for generating the credit according to the desire of the supplier and the system successfully generates the credit, the system changes the account information of the enterprise according to the credit, so as to achieve the technical effect of adjusting the account information in time.
Meanwhile, the system sends the change information to the corresponding client of the enterprise, so that the enterprise can timely acquire the relevant change information, and timely process the change information when the change information is wrong.
The embodiment provides that: according to the technical scheme, the account information of the enterprise is changed according to the credit, and the change information is fed back to the enterprise, so that the technical defect that the information between the system and the enterprise is not symmetrical is overcome, and the technical effect of timely updating the information is realized.
Referring to fig. 4, fig. 4 is a flowchart illustrating a method for generating credit according to another embodiment of the present invention.
As shown in fig. 4, after step S100, the method further includes:
step S600: acquiring bill information sent by a user side corresponding to an enterprise;
step S700: determining right-confirming transfer information according to the bill information;
step S800: generating credit according to the right-confirming transfer information so that the supplier can obtain the credit;
wherein, the bill information includes: merchant ticket information and/or bank ticket information.
In this embodiment, the supplier can obtain the credit by directly acquiring the bill information of the enterprise, determining the right-confirming transfer information according to the bill information, and generating the credit according to the right-confirming transfer information.
It will be appreciated that when the credit is redeemed against the asset, the credit of the enterprise is opened up for a recovery. And when the enterprise uses the bill to generate the credit, the credit limit is not occupied.
The price of the credit is the nominal value of the corresponding asset, or the value of the credit is the discount value of the asset.
The embodiment provides that: the method and the device for generating the credit further achieve the technical effect of generating the credit quickly, accurately and reliably according to the technical scheme that the right-confirming transfer information is determined according to the acquired bill information sent by the user side corresponding to the enterprise and the credit is generated according to the right-confirming transfer information.
According to another aspect provided by the embodiment of the invention, the embodiment of the invention provides a system for generating credit corresponding to the method.
Referring to fig. 5, fig. 5 is a schematic structural diagram of a system for generating credit according to an embodiment of the present invention.
As shown in fig. 5, the system includes:
an acquisition module: the system is used for acquiring the right-confirming application information which is sent by the user side corresponding to the enterprise and corresponds to the accounts payable information;
an auditing module: the system is used for auditing the right-confirming application information according to a preset rule;
a determination module: the verification information processing device is used for determining verification passing information according to the verification result when the verification result is that the right-confirming application information is correct;
a generation module: and the system is used for generating credit according to the audit passing information and the right confirming application information so that the supplier obtains the credit.
More specifically, the auditing module is specifically configured to:
transmitting the right confirmation application information to a user side corresponding to the superior unit of the payer;
receiving confirmation passing information which is sent by a user side corresponding to a superior unit of the payer and is determined according to the right confirmation application information;
forwarding the confirmation passing information to a user side corresponding to the supplier;
receiving trade voucher information which is sent by a user side corresponding to a supplier and determined according to the confirmation passing information;
auditing the trade certificate information;
when the trade certificate information is effective trade certificate information, the right-confirming application information is forwarded to a user side corresponding to the asset holder;
receiving an auditing result which is sent by a user side corresponding to the asset holder and is determined according to the right-confirming application information;
wherein, the upper-level unit of the payer and the asset holder are in upper-level and lower-level membership.
More specifically, valid trade credentials include:
one or more of an effective contract, an effective purchase order, an effective delivery order, an effective warehousing order and an effective invoice.
Referring to fig. 6, fig. 6 is a schematic structural diagram of a system for generating credit according to another embodiment of the present invention.
As shown in fig. 6, the system further includes:
a change module: and the system is used for changing the account information of the enterprise according to the credit and sending the changed information to the user side corresponding to the enterprise.
More specifically, the generation module is specifically configured to:
acquiring bill information sent by a user side corresponding to an enterprise;
determining right-confirming transfer information according to the bill information;
generating credit according to the right-confirming transfer information so that the supplier can obtain the credit;
wherein, the bill information includes: merchant ticket information and/or bank ticket information.
According to the invention, the authorization application information corresponding to the acquired accounts payable information of the enterprise is checked according to the preset rule, if the checking result shows that the authorization application information is correct, credit is generated according to the passing information of the checking and the authorization application information, so that a supplier can obtain the technical scheme of the credit, and on one hand, the technical effect of quickly and accurately generating the credit is realized; on the other hand, the technical effects of high flexibility, strong pertinence, safety and reliability are realized while the credit is generated; on the other hand, by generating credit, the technical defects of difficult financing and expensive financing of small and medium-sized micro enterprises and the asset allocation problem of low-medium income scattered households are overcome, and the technical effect of rapid financing is realized.
The reader should understand that in the description of this specification, reference to the description of the terms "one embodiment," "some embodiments," "an example," "a specific example," or "some examples," etc., means that a particular feature, structure, material, or characteristic described in connection with the embodiment or example is included in at least one embodiment or example of the invention. In this specification, the schematic representations of the terms used above are not necessarily intended to refer to the same embodiment or example. Furthermore, the particular features, structures, materials, or characteristics described may be combined in any suitable manner in any one or more embodiments or examples. Furthermore, various embodiments or examples and features of different embodiments or examples described in this specification can be combined and combined by one skilled in the art without contradiction.
It is clear to those skilled in the art that, for convenience and brevity of description, the specific working processes of the above-described apparatuses and units may refer to the corresponding processes in the foregoing method embodiments, and are not described herein again.
In the several embodiments provided in the present application, it should be understood that the disclosed apparatus and method may be implemented in other ways. For example, the above-described apparatus embodiments are merely illustrative, and for example, a division of a unit is merely a logical division, and an actual implementation may have another division, for example, a plurality of units or components may be combined or integrated into another system, or some features may be omitted, or not executed.
Units described as separate parts may or may not be physically separate, and parts displayed as units may or may not be physical units, may be located in one place, or may be distributed on a plurality of network units. Some or all of the units can be selected according to actual needs to achieve the purpose of the solution of the embodiment of the present invention.
In addition, functional units in the embodiments of the present invention may be integrated into one processing unit, or each unit may exist alone physically, or two or more units are integrated into one unit. The integrated unit can be realized in a form of hardware, and can also be realized in a form of a software functional unit.
The integrated unit, if implemented in the form of a software functional unit and sold or used as a stand-alone product, may be stored in a computer readable storage medium. Based on such understanding, the technical solution of the present invention essentially or partially contributes to the prior art, or all or part of the technical solution can be embodied in the form of a software product stored in a storage medium and including instructions for causing a computer device (which may be a personal computer, a server, or a network device) to execute all or part of the steps of the method according to the embodiments of the present invention. And the aforementioned storage medium includes: a U-disk, a removable hard disk, a Read-Only Memory (ROM), a Random Access Memory (RAM), a magnetic disk or an optical disk, and other various media capable of storing program codes.
It should also be understood that, in the embodiments of the present invention, the sequence numbers of the above-mentioned processes do not mean the execution sequence, and the execution sequence of each process should be determined by its function and inherent logic, and should not constitute any limitation on the implementation process of the embodiments of the present invention.
While the invention has been described with reference to specific embodiments, it will be understood by those skilled in the art that various changes in form and details may be made therein without departing from the spirit and scope of the invention as defined by the appended claims. Therefore, the protection scope of the present invention shall be subject to the protection scope of the claims.
Claims (10)
1. A method of generating credit, the method comprising:
acquiring the right-confirming application information corresponding to the accounts payable information sent by a user side corresponding to the enterprise;
auditing the right-confirming application information according to a preset rule;
when the verification result indicates that the right confirming application information is correct, determining verification passing information according to the verification result;
and generating credit according to the auditing passing information and the right-confirming application information so that the supplier obtains the credit.
2. The method for generating credit according to claim 1, wherein the auditing the entitlement application message according to a preset rule specifically includes:
the right confirmation application information is forwarded to a user side corresponding to a superior unit of the payer;
receiving confirmation passing information which is sent by a user side corresponding to the superior unit of the payer and is determined according to the right confirmation application information;
forwarding the confirmation passing information to a user side corresponding to a supplier;
receiving trade voucher information which is sent by a user side corresponding to the supplier and determined according to the confirmation passing information;
auditing the trade certificate information;
when the trade certificate information is valid trade certificate information, forwarding the entitlement application information to a user side corresponding to the asset holder;
receiving an auditing result which is sent by a user side corresponding to the asset holder and is determined according to the right-confirming application information;
wherein, the upper-level unit of the payer and the asset holder are in upper-level and lower-level membership.
3. A method of generating credit as claimed in claim 1, wherein the valid trade documents include:
one or more of an effective contract, an effective purchase order, an effective delivery order, an effective warehousing order and an effective invoice.
4. The method of claim 1, wherein after generating the credit based on the audit pass information and the request for authorization information so that the supplier obtains the credit, the method further comprises:
and changing the account information of the enterprise according to the credit, and sending the changed information to the user side corresponding to the enterprise.
5. The method of any one of claims 1-4, wherein after acquiring the request for approval information corresponding to the accounts payable information sent by the client corresponding to the enterprise, the method further comprises:
acquiring bill information sent by a user side corresponding to the enterprise;
determining right-confirming transfer information according to the bill information;
generating credit according to the right-confirming transfer information so that a supplier can obtain the credit;
wherein the ticket information includes: merchant ticket information and/or bank ticket information.
6. A system for generating credit, the system comprising:
an acquisition module: the right-confirming application information corresponding to the accounts payable information and sent by the user side corresponding to the enterprise is obtained;
an auditing module: the system is used for auditing the right-confirming application information according to a preset rule;
a determination module: the verification information processing unit is used for determining verification passing information according to the verification result when the verification result is that the right confirming application information is correct;
a generation module: and the system is used for generating credit according to the auditing and authorization application information so that the supplier can obtain the credit.
7. The system for generating credit of claim 6, wherein the auditing module is specifically configured to:
the right confirmation application information is forwarded to a user side corresponding to a superior unit of the payer;
receiving confirmation passing information which is sent by a user side corresponding to the superior unit of the payer and is determined according to the right confirmation application information;
forwarding the confirmation passing information to a user side corresponding to a supplier;
receiving trade voucher information which is sent by a user side corresponding to the supplier and determined according to the confirmation passing information;
auditing the trade certificate information;
when the trade certificate information is valid trade certificate information, forwarding the entitlement application information to a user side corresponding to the asset holder;
receiving an auditing result which is sent by a user side corresponding to the asset holder and is determined according to the right-confirming application information;
wherein, the upper-level unit of the payer and the asset holder are in upper-level and lower-level membership.
8. A system for generating credit as claimed in claim 6, wherein said valid trade documents include:
one or more of an effective contract, an effective purchase order, an effective delivery order, an effective warehousing order and an effective invoice.
9. The system for generating credit of claim 6, further comprising:
a change module: and the system is used for changing the account information of the enterprise according to the credit and sending the changed information to the user side corresponding to the enterprise.
10. A system for generating credit as claimed in any one of claims 6 to 9, wherein the generating module is further configured to:
acquiring bill information sent by a user side corresponding to the enterprise;
determining right-confirming transfer information according to the bill information;
generating credit according to the right-confirming transfer information so that a supplier can obtain the credit;
wherein the ticket information includes: merchant ticket information and/or bank ticket information.
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