CN108038781A - A kind of accounts receivable credits voucher（Contract）Flow system - Google Patents
A kind of accounts receivable credits voucher（Contract）Flow system Download PDFInfo
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Abstract
The invention discloses a kind of accounts receivable credits voucher (contract) flow system and method,Accepted including credits,Risk examines,Code distributes,Accounts receivable credits voucher (contract) is provided,Accounts receivable credits voucher (contract) prints,The module such as the assignment of credit and Registration of Pledge,By science and technology and increase letter mode,The accounts receivable to remain static originally between all kinds of economic entities is changed into collection financing,Melt goods,Circulation,Merchandise and defray the multi-functional papery being integrated such as (pin) or electronic accounts receivable voucher (contract),Solely state-owned accounts receivable credits management company is set up or by people's mediation by local government in practice,Industry is reconciled,The mediate tissue landing application such as chamber of commerce's conciliation,Accounts receivable credits voucher (contract) is issued by the system for qualified accounts receivable to circulate,It is difficult to solving Financing,Dissolve chain debts,Reduce circulation cost,Dissolve local debt,Credit System Construction is promoted to play positive effect.
Description
Technical field
The present invention relates to internet electronic business technical field, more particularly to a kind of accounts receivable credits voucher (contract) stream
Transfer from one department to another to unite.
Background technology
Accounts receivable is current all kinds of economic entities, the critical asset of especially medium and small micro- enterprise.According to statistics, China is current
Enterprise's accounts receivable year occurrence quantity 80,000,000,000,000, storage 20,000,000,000,000；Local debt storage reached 20,000,000,000,000 in 2015, its
In there is the significant proportion to be enterprise's accounts receivable；Country of the Chinese Academy of Social Sciences finance claims with development laboratory research report, Debt
Total value has reached 168.48 trillion in 2015, and whole society's leverage 249%, a large amount of accounts receivable urgently vitalize by innovation mode.
, there are some using financing by accounts receivable as core successively in development based on the market demand and modern information technologies
Business method and corollary system technical research, including factoring, supply chain finance, pledge of accounts receivable financing, asset securitization etc.,
These business and platform have vitalized the preferable enterprise of part credit status by way of financing by accounts receivable to a certain extent
Accounts receivable.But accounts receivable is vitalized and relies primarily on financing, financing by accounts receivable relies primarily on business bank, accounts receivable utilizes
The general layout that rate is still relatively low, the medium and small difficult financing of micro- Corporate finance is expensive, credit and debt dispute is increasingly prominent is not changed at all
See.A large amount of credit and debt disputes have also triggered related people's commercial action.The Supreme People's Court, which announces, to be represented, the place of the whole nation in 2015
People's courts at different levels accept and hear a case 1951.1 ten thousand, wherein people's business action of first instance accounting 88.23%；Application performs the target amount of money
1.7 trillion yuans, rise 81.94%.Therefore it is necessary to look for another way completely, with reference to China's existing system, social credibility environment, gold
Melt status of resource allocation and many factors such as take precautions against and reduce financial risks, research and develop a kind of accounts receivable credits and circulate new mould
Formula, new method and system, all kinds of economic entities of effective help vitalize credits, dissolving debts, service entities economic development.
The content of the invention
It is an object of the invention to provide a kind of accounts receivable credits voucher (contract) flow system, by science and technology and increases letter
Mode, by various complicated accounts receivable credits standardization, electronization, digitlization, promotes the circulation of accounts receivable credits to support
Pay (pin), solve chain debts and medium and small micro- Corporate finance it is difficult finance your the problems such as.
In order to achieve the above object, the technical solution adopted by the present invention is：Including credits accept module, increase letter examine module,
Joint examination countersign module, condition implement module, risk examines module, code distribution module, accounts receivable credits voucher (contract) hair
Amplification module and accounts receivable credits voucher (contract) print module；
Credits accept module and are used to obtain accounts receivable information and essential information is transmitted to increasing letter to examine module, answer receipt on account
The raw information of money information including accounts receivable, credit and debt people information, credit and debt confirmation message, the letter application information that increases, by
Manage msu message and related contract appendix etc.；
Increase letter and examine that module is examined for credits to be accepted with the accounts receivable credits circulation Business Information of module submission
And complete to increase letter examination reports, and will increase and believe that examination information is transmitted to joint examination countersign module；
Joint examination countersign module is used to check, record, checks that accounts receivable credits accept, increase letter examination information, completes joint examination
Conutersign opinion and joint examination countersign information is transmitted to condition and implement module；
The essential information that condition implements the accounts receivable credits that module is used to conutersign completing joint examination is checked, to implementing
Conditional information will implement conditional information and be transmitted to risk examination module into edlin；
Risk examines that the accounts receivable credits that module is used to implement completion condition carry out risk examination, and risk is examined
Qualified accounts receivable credits information is transmitted to code distribution module；
Code distribution module is used to examine risk qualified accounts receivable credits information generates unique credits code and divides
The accounts receivable credits are assigned to, and the accounts receivable credits information with credits code is transmitted to accounts receivable credits voucher
(contract) provides module；
Accounts receivable credits voucher (contract) provides module for voucher (contract) template according to setting, to having completed debt
Power code distribution accounts receivable credits information generation accounts receivable credits voucher (contract) and be delivered to accounts receivable credits with
Demonstrate,prove (contract) print module；
Accounts receivable credits voucher (contract) print module is used to print accounts receivable credits voucher (contract).
Wherein, which further includes assignment of credit module and pledge of obligation Registration Module；
The accounts receivable assignment of credit that assignment of credit Registration Module is used to record the credits voucher (contract) is assigned
People is simultaneously registered；
Pledge of obligation Registration Module is used to the accounts receivable credits pledged carrying out Registration of Pledge, and freezes accounts receivable
Credits circulation function.
Wherein, the credits accept module and include accepting unit, examination ＆ verification unit, review unit and transmitting element；
Accept the essential information that unit is used to record the accounts receivable credits；
Examination ＆ verification unit is used to audit the essential information of the accounts receivable credits；
Review unit is used to check the accounts receivable credits information after examination ＆ verification unit examination ＆ verification；
Transmitting element, which is used for the accounts receivable credits information after checking, to be sent to corresponding bank, financing assurance company, protects
The third party service organizations such as dangerous company are audited, and are sent accounts receivable credits information to described increase after the completion of examination ＆ verification and believed
Examine module.
Wherein, the letter that increases examines that module includes increasing letter search unit, increases letter selecting unit and increase and believe that opinion generation is single
Member；
Increase letter search unit be used for initial creditor, debtor, the number of accepting, accept the date, by accounts receivable credits by
Reason information is committed to the increasing letter and examines that the date of module, approval status are searched for generally, and obtain increasing letter examination answers receipt on account
Money credits circulation business；
Increase letter selecting unit to be used to select to need to carry out from the accounts receivable credits circulation business that search unit searches
Increase the accounts receivable credits that letter examines, check that increasing letter examines information；
Increase letter opinion generation unit to be used for after selecting unit checks that increasing letter examines information, generation increases letter examination reports.
Wherein, the risk examines that module includes risk and examines message audit unit, implement conditional information examination unit, is attached
Part checks message audit unit and examines information query unit；
Risk examines that message audit unit is used, implements conditional information examination unit and annex review message audit unit point
Not carry out risk examination, implement condition examine and annex review examine；
Examine that information query unit is used to accept the credits module, the increasing letter examination module and the joint examination meeting
Label mould information in the block is inquired about.
Wherein, the code distribution module includes code distribution search unit, code distribution selecting unit and code life
Into unit；
Code distribution search unit be used for initial creditor, debtor, the number of accepting, accept the date, code distribute the date
Section and approval status are searched for generally, have been completed the accounts receivable credits circulation business of risk examination；
Code distribution selecting unit is used to from the accounts receivable credits circulation business that the completion risk examines select to need
The record for wanting credits code to distribute；
Code generating unit is used to, according to the credits code assignment record chosen, generate corresponding accounts receivable credits generation
Code.
Wherein, the credits voucher (contract), which provides module, includes code distribution search unit, judging unit and dispatch hist
Member；
Code distribution search unit be used for initial creditor, debtor, the number of accepting, accept the date, code distribute the date
Section and approval status are searched for generally, obtain accounts receivable credits voucher (contract) the circulation industry of completion code distribution
Business；
Judging unit be used to judging accounts receivable credits voucher (contract) provide with the types of service of the accounts receivable credits,
Raw information, examine information and increase whether letter information is consistent；
In judging unit judging result for when being consistent, issuing unit starts to edit the release information of the accounts receivable credits,
Wherein, essential information of the release information including accounts receivable credits, amount information, voucher (contract) associate detailed letter with guarantee fund
Breath and paying information.
Wherein, credits voucher (contract) print module is further included, credits voucher (contract) print module includes credits voucher
(contract) provides query unit, detail checks unit and voucher (contract) generation unit；
Credits voucher (contract) provides query unit and is used to obscure initial creditor, credits code, date printed
Search, has been completed the accounts receivable credits circulation business of credits voucher (contract) granting；
Detail checks that unit is used for the details for checking accounts receivable credits circulation business, judges that voucher to be generated (closes
Whether accounts receivable credits information together) is correct；
When accounts receivable credits information is correct, accounts receivable credits voucher (contract) is printed.
Compared with prior art, there are following technique effect by the present invention：The present invention by being standardized to accounts receivable,
Electronization, digitized processing, generation electronization, digitlization accounts receivable credits voucher (contract), the voucher (contract) summary note
The accounts receivable amount of money, debtor, initial creditor, credits are carried according to (contract), Expiration Date and accounts receivable increasing are believed, circulation is stepped on
Note etc. for information about, realizes the circulation of collection accounts receivable credits, defrays (pin), finances, melting the multi-functional credits circulation system such as goods
System, for effectively neutralizing government and enterprise debt, diversification solves social contradications dispute and is of great significance.
Brief description of the drawings
Below in conjunction with the accompanying drawings, the embodiment of the present invention is described in detail：
Fig. 1 is a kind of structure diagram of accounts receivable credits voucher (contract) flow system in the present invention；
Fig. 2 is a kind of Organization Chart of accounts receivable credits voucher (contract) flow system in the present invention；
Fig. 3 is the detailed composition figure of another accounts receivable credits voucher (contract) flow system in the present invention；
Fig. 4 is the workflow schematic diagram that credits accept module in the present invention；
Fig. 5 is to increase the workflow schematic diagram that letter examines module in the present invention；
Fig. 6 is the workflow schematic diagram of joint examination countersign module in the present invention；
Fig. 7 is the workflow schematic diagram that conditional of the present invention implements module；
Fig. 8 is the workflow schematic diagram that risk of the present invention examines module；
Fig. 9 is the workflow schematic diagram of code distribution module in the present invention；
Figure 10 is the workflow schematic diagram that credits voucher (contract) provides module in the present invention；
Figure 11 is the workflow schematic diagram of credits voucher (contract) print module in the present invention；
Figure 12 is the workflow schematic diagram of assignment of credit module in the present invention；
Figure 13 is the workflow schematic diagram of pledge of obligation Registration Module in the present invention；
Figure 14 is the workflow schematic diagram of accounts receivable credits voucher (contract) flow system in the present invention.
Embodiment
In order to illustrate further the feature of the present invention, please refer to the following detailed descriptions related to the present invention and attached drawing.Institute
Attached drawing is only for reference and purposes of discussion, is not used for being any limitation as protection scope of the present invention.
As shown in Figure 1 to Figure 3, present embodiment discloses a kind of accounts receivable credits voucher (contract) flow system, including：
Credits accept module 1, increase and believe that examination module 2, joint examination conutersign module 3, condition implements module 4, risk examines module 5, code divides
Module 7 and accounts receivable credits voucher (contract) print module 8 are provided with module 6, credits voucher (contract)；
Credits accept module 1 and examine module for obtaining the essential information of accounts receivable and essential information being transmitted to increasing letter
2, wherein the raw information of essential information including accounts receivable, confirmation message, increase letter examine information, increase letter application information and by
Manage msu message；
It should be noted that credits, which accept module 1, shows all industry applied, applying for completing and terminating application
The record such as business.It can be increased newly, be edited in the module, accepting review, deletion, distribution, termination, annex, flow inquiry etc.
Operation.
Wherein, the raw information of accounts receivable include initial creditor, debtor, the number of accepting, accept the date, this link carries
Date, approval status are handed over, accounts receivable funds on account total value, applies for the amount of money, apply for the time limit and accepts serial number etc..
Increasing letter application information includes application discount, business kind, date of application, business contract number, credits management company, Shen
Please the information such as the amount of money, application time limit, expected completion date and serial number.
Accepting msu message includes service handling information and accepts review information.
Increase letter and examine that module 2 is examined simultaneously for selected needs to be increased with the accounts receivable credits circulation business of letter examination
Complete to increase and believe that examination reports are filled in, and letter will be increased and examine that information is transmitted to joint examination and conutersigns module 3；Examined it should be noted that increasing letter
Look into module 2 be to system typing and complete investigation accounts receivable credits money stream information carry out promote credit check module, wherein
Increase letter mode include guarantee fund, pre- credit, guarantee corporation's guarantee, arbitration, notarization, insurance, efficient portfolio guarantee, assets assessment,
Insure again and legal assurance etc..
Joint examination countersign module 3 is used to check, record, checks that accounts receivable credits accept, increase letter examination information, completes joint examination
Conutersign opinion and joint examination countersign information is transmitted to condition and implement module 4；It should be noted that the effect of joint examination countersign module 3
It is that management of appraising, examination ＆ approval resolution are carried out to accounts receivable credits circulation service integration information.
The essential information that condition implements the accounts receivable credits that module 4 is used to conutersign completing joint examination is checked, to falling
Reality condition information will implement conditional information and be transmitted to risk examination module 5 into edlin；It should be noted that condition is implemented
The effect of module 4 is whether to meet accounts receivable the examination of digitized processing, increase typing and displaying that letter examines information.
Risk examines that the accounts receivable credits that module 5 is used to implement completion condition carry out risk examination, and risk is examined
The accounts receivable credits information for looking into qualification is transmitted to code distribution module 6；It should be noted that risk examines the effect of module 5
It is to carry out risk control, determines whether accounts receivable credits information is examined by risk.
Code distribution module 6 is used to examine risk qualified accounts receivable credits information generates unique credits code and divides
The accounts receivable credits are assigned to, and the accounts receivable credits information with credits code is transmitted to credits voucher (contract) and is provided
Module 7；It should be noted that the effect of code distribution module 6 is to account for money credits for accepting the receivable of examination ＆ verification completion, distribution is only
One credits code.
Credits voucher (contract) provides module 7 for voucher (contract) module according to setting, to having completed credits code
The accounts receivable credits information of distribution provides credits voucher (contract)；Credits voucher (contract) provide module 7 effect be for
The accounts receivable credits of completion are accepted, provide standardization accounts receivable credits voucher (contract).It should be noted that credits at this
The form of voucher can be the forms such as contract, receipt, mortgage certificate, preferably be made in the present embodiment using the contract form of standardization
For credits voucher (contract).Voucher (contract) abstract accounts receivable credits and the transfer, pledge or defray correlations such as (pins)
Information is the accounts receivable assignment of credit, pledges, defrays the secondary evidence material of (pin), is not marketable securities.
Credits voucher (contract) print module 8 is used for the accounts receivable credits voucher (contract) for printing papery.
It should be noted that the accounts receivable credits voucher (contract) in the present embodiment refers to qualified accounts receivable debt
Weigh management company, mediate tissue etc. has professional accounts receivable credits voucher (contract) circulation industry with what national relevant ministries and commissions were approved
The unit cooperation of operating experience of being engaged in and qualification, is that accounts receivable carries out integration increasing letter, debtor-creditor relationship confirms, through accounts receivable
The papery or electronic certificate (contract) that credits voucher (contract) flow system is provided.
Accounts receivable credits management company refers to ratify through local government, and solely state-owned establishment, recognizes with national relevant ministries and commissions
Can the unit cooperation with professional accounts receivable credits voucher (contract) circulation business operation experience and qualification, can same bank,
The mechanism such as insurance or financing assurance company, examines the authenticity, relevance, legitimacy of accounts receivable, to accounts receivable
The rights and obligations of credits voucher (contract) circulation business applicant are confirmed that circulating through accounts receivable credits voucher (contract) is
System, voucher (contract) is issued for qualified applicant, carries out the service such as registration, publicity, and it is receivable to cooperate with said mechanism
The circulation of funds on account credits provides the third party's service for increasing the services such as letter, Registration of Pledge, transaction, financing, reimbursemen, recovery, fund trustship
Mechanism.
Mediate tissue refers to that regulating mechanism, its function such as people's mediation, the chamber of commerce are reconciled, industry is reconciled are and national dependent part
The unit cooperation with professional accounts receivable credits voucher (contract) circulation business operation experience and qualification of committee's accreditation, according to people
Paper of civil judgment, paper of civil mediation or the civil ruling paper for confirming reconciliation agreement that civil law institute comes into force, or arbitral award, conciliation
Book, or the accounts receivable credits relation that the relevant law document such as notarial determines, pass through accounts receivable credits voucher (contract)
Papery or electronic accounts receivable credits voucher (contract) are provided in flow system, registration, and by making the people of effective legal document
Law court, arbitration commission or notarial office affix one's seal, and promote the credits that voucher (contract) is recorded to circulate, defray (pin).
The accounts receivable assignment of credit that assignment of credit Registration Module 9 is used to record the credits voucher (contract) is assigned
People is simultaneously registered；It is the transfer registration for handling accounts receivable credits between system users that it, which is acted on,.
Pledge of obligation Registration Module 10 is used to the accounts receivable credits pledged carrying out Registration of Pledge, and freezes to answer receipt on account
Money credits circulation function, its effect is pledge of accounts receivable, in systems accounts receivable pledge freezing.Wherein, debt
Power Registration of Pledge information includes：Pledge credits information：Pledged the essential information of credits, including credits code initial registration day
Phase, credits repurchase date, credits management company etc.；Pledger's information：Including pledger's customer ID, pledger's title, affiliated pipe
Reason company, amount of money in hand etc.；Pawnee's information：Including pawnee's title etc.；Pledge financing information：Including can pledge number, matter
Give as security number, the amount of money of financing, pledge the time limit, debt fulfils from date, debt fulfils the date of expiry, master contract number, pledges contract
Number etc.；Pledge operation information：Including serial number, registration point, operator, Registration of Pledge date etc..
It should be noted that the flow system framework in the present embodiment is Distributed Services framework, using distributed memory
Database Redis, message queue MQ, support the high-performance under big data environment, high concurrent, High Availabitity to require.
Further, as shown in figure 3, credits accept module 1 including accepting unit, examination ＆ verification unit, review unit and hair
Send unit；
Accept the essential information that unit is used to record the accounts receivable credits；
Examination ＆ verification unit is used to audit the essential information of the accounts receivable credits；
Review unit is used to check the accounts receivable credits information after examination ＆ verification unit examination ＆ verification；
The accounts receivable credits information that transmitting element is used for after review, which is sent to corresponding service organization, is audited, and
Accounts receivable credits information is sent to the letter that increases after the completion of examination ＆ verification and examines module 2.
Credits accept the workflow of module 1 as shown in figure 4, credits accept module 1 can be according to accounts receivable digitlization at
Reason progress and situation to accounts receivable credits information into edlin, delete, accept review, submit and increase letter and examine, distribution and terminate
Operation.
Further, increase letter and examine the work flow diagram of module 2 as shown in figure 5, increasing letter examines that module 2 includes increasing letter search
Unit, increase letter selecting unit and increase letter opinion generation unit；
Increase letter search unit be used for initial creditor, debtor, the number of accepting, accept the date, by accounts receivable credits by
Reason information is committed to the increasing letter and examines that the date of module 2, approval status are searched for generally, and obtain increasing letter examination answers receipt on account
Money credits circulation business；
Increase letter selecting unit to be used to select to need to carry out from the accounts receivable credits circulation business that search unit searches
Increase the accounts receivable credits that letter examines, check that increasing letter examines information；
Increase letter opinion generation unit to be used for after selecting unit checks that increasing letter examines information, generation increases letter examination reports.
Further, the workflow of joint examination countersign module 3 is as shown in fig. 6, joint examination countersign module 3 is single including joint examination search
Member, joint examination selecting unit and joint examination examination ＆ approval unit；
Joint examination search unit by non-initial creditor, debtor, the number of accepting, accept the date, this link submission date, examine
The state of criticizing etc. is searched for generally, the accounts receivable credits circulation business completed to evaluate or examined；
The accounts receivable credits that joint examination selecting unit selection has been completed to evaluate or examined circulate business as to be confirmed
Accounts receivable credits circulation business.
Joint examination examination ＆ approval unit is used to check the raw information including accounts receivable credits, increases the information such as letter information, to typing
The circulation business evaluation of accounts receivable credits or suggestions made after examination, and be saved into guild's label.
Further, condition implement module 4 workflow as shown in fig. 7, condition implement module 4 specifically include implement search
Cable elements, implement selecting unit and implement edit cell；
Implement search unit by initial creditor, debtor, the number of accepting, accept the date, this link submission date, examine
Batch state etc. is searched for generally, the accounts receivable credits circulation business for having completed joint examination countersign.
Implement selecting unit be used for select completed joint examination countersign accounts receivable credits circulation business, check accounts receivable
The raw information of credits, increase the information such as letter information.
Implement edit cell and conditional information is implemented into edlin, modification to guarantee fund, increasing letter measure etc..
Further, risk examines the work flow diagram of module 5 as shown in figure 8, it includes risk examination information unit, falls
Reality condition information unit, annex review information unit and examination information query unit；
Risk examine information unit use, implement conditional IE and annex review information unit to carry out risk respectively refreshing
Examine, implement condition examination and annex review examination；
Examine that information query unit is used to accept the credits module 1, the increasing letter examination module 2 and the joint examination
Information in countersign module 3 is inquired about.
It should be noted that risk examine information, implement conditional information and annex review information can be by clicking on tab page
Mode checked.Wherein, risk examines that information accepts information including credits, increases letter examination information, joint examination countersign information, silver
Row examines information, credit insurance information, security for debt information, assets assessment information and legal assurance information.
In risk checking process, not by examination, this accounts receivable credits circulation business can be terminated.
Further, as shown in figure 9, code distribution module 6 includes code distribution search unit, code distribution selecting unit
And code generating unit；
Code distribution search unit be used for initial creditor, debtor, the number of accepting, accept the date, code distribute the date
Section and approval status are searched for generally, have been completed the accounts receivable credits circulation business of risk examination；
Code distribution selecting unit is used to from the accounts receivable credits circulation business that the completion risk examines select to need
The record for wanting credits code to distribute；
Code generating unit is used to, according to the credits code assignment record chosen, generate corresponding accounts receivable credits generation
Code.
It should be noted that after risk examination, credits approval process terminates, formal to generate credits relation, and to credits
Registered, generate unique credits code and distribute to corresponding accounts receivable credits.
Further, as shown in Figure 10, credits voucher (contract) provides module 7 and includes code distribution search unit, judges
Unit and issuing unit；
Code distribution search unit be used for initial creditor, debtor, the number of accepting, accept the date, code distribute the date
Section and approval status are searched for generally, obtain the accounts receivable credits circulation business of completion code distribution；
Judging unit be used to judging accounts receivable credits voucher (contract) provide with the types of service of the accounts receivable credits,
Raw information, examine information and increase whether letter information is consistent；
In judging unit judging result for when being consistent, issuing unit starts to edit the release information of the accounts receivable credits,
And generate credits voucher (contract).For the credits voucher (contract) according to the template generation of setting, which can be according to actual conditions
Set.Wherein, release information includes essential information, amount information, voucher (contract) and the guarantee fund of accounts receivable credits
Associate managing detailed catalogue and paying information.
The essential information of accounts receivable credits includes being issued the essential information of credits, credits code, credits management company
And business kind etc..Amount information includes credits remaining sum, the amount of money to be checked and accumulation and cancels amount of money etc..Voucher (contract) is with ensureing
When Golden Customs connection managing detailed catalogue includes providing voucher (contract), system according to type of service, (withhold initial creditor, promises to undertake by repurchase type
Branch is made paper moulds the debtor that withholds) or actual conditions choose guarantee fund and pay people, pay fund account, bank name of the people in management company
Title, Bank Account Number, should pay guarantee fund's ratio, freeze this voucher (contract) association guarantee fund's amount of money etc..Credits voucher (contract)
Release information：The details that individual credits voucher (contract) is provided, including the amount of money of this credits voucher (contract), repurchase
Date, credits supplement foundation, release information etc..
Further, as shown in figure 11, credits voucher (contract) print module 8 is further included, it includes credits voucher and (closes
Provide query unit together), detail checks unit and voucher (contract) generation unit；
Credits voucher (contract) provides query unit and is used to obscure initial creditor, credits code, date printed
Search, has been completed the accounts receivable credits circulation business of credits voucher (contract) granting；
Detail checks that unit is used for the details for checking accounts receivable credits circulation business, judges that voucher to be generated (closes
Whether accounts receivable credits information together) is correct；
When accounts receivable credits information is correct, accounts receivable credits voucher (contract) is printed.
In practical applications, printing when, can automatic spring can print accounts receivable credits voucher (contract) list, complete
Printing.
Further, as shown in figure 12, assignment of credit module 9 specifically includes transferable information typing unit and transferable information is looked into
See unit；
Transferable information typing unit is used to register accounts receivable power of alienation transfer.The typing in assignment of credit module
Accounts receivable credits information, seller's information, assignee's information and transfer register information, and upload accounts receivable and transfer the possession of annex money
Material.After accounts receivable assignment of credit information is confirmed, select submission to record the accounts receivable assignment of credit and be committed to system.
Transferable information check unit be used for by assignment of credit module can check the accounts receivable assignment of credit registration it is detailed
Thin information.
Further, as shown in figure 13, pledge of obligation module 10, which specifically includes, pledges data input unit and pledges information
Check unit；
Pledge data input unit be used for typing accounts receivable credits pledge information, pledger's information pawnee information and
Financing information is pledged, account receivable is uploaded and pledges annex data.After accounts receivable pledge of obligation register information is confirmed, matter is completed
Give as security registration.
Pledge information inspection unit be used for by pledge of obligation module can check accounts receivable pledge of obligation registration it is detailed
Thin information.
It should be noted that as shown in figure 14, a kind of accounts receivable credits voucher (contract) circulation system provided by the embodiment
System is the Asset Attributes and its service feature according to accounts receivable in itself, with reference to the close supporting credits pipe with public credibility therewith
Service organization is managed, the authenticity of close scrutiny accounts receivable, legitimacy, validity from source, receipt on account is answered to qualified
Money credits are registered, operational audit, increase letter, credits code distribution, credits voucher (contract) provide and credits circulation registration
Etc. whole process electronization, digitized processing, the accounts receivable credits voucher (contract) for being converted to standardization circulates, in reality
In business operation, it can not be repaid etc. for stringent control accounts receivable authenticity, mobility, morality, operability and expiring each
The risk of aspect, is mainly commenced business by the pattern and method of following two innovations at present, and Anhui, Tianjin, Zhejiang,
Multiple cities and counties such as Shanxi, the Inner Mongol (area) successfully carry out Demonstration Application：
(1) establish using government and its affiliated party as the accounts receivable credits land transaction model of debtor, set up by government
The accounts receivable credits management company of whole nation money, integrates the resources such as bank, insurance, guarantee, promotes accounts receivable credits voucher (to close
The accounts receivable using government, state-run assets, core large enterprises as debtor recorded is circulated, finances, melts goods, merchandises and defrayed together), real
Existing credit transmission, cracks industrial chain upstream and downstream Zhong little Wei enterprises problem；
(2) the accounts receivable credits land transaction model based on persecutio and conciliation is established, is covered by people's court
Chapter support mediate tissue reconciles and provides accounts receivable credits voucher (contract), promote voucher (contract) record through the law that comes into force
All kinds of accounts receivable that document confirms circulate, melt goods and defray, and dispute of easing contradictions, reduce lawsuit, crack hard execution.
Innovative service pattern, business method and the system of the present invention is totally different from protects with accounts receivable in the prior art
Business method and the platforms such as reason, financing by accounts receivable, supply chain finance, pass through accounts receivable credits voucher in the present embodiment
(contract) circulates, and is not limited solely to financing by accounts receivable, but collection circulates, finances, melting goods, merchandising and defraying (pin) etc.
It is multi-functional in one, it is comprehensive to solve the problems, such as credit and debt by government guidance, participation among the people, market operation, without injection
Fund, without lever, vitalizes the accounts receivable largely precipitated between all kinds of economic entities, is conducive to make up medium and small micro- enterprise and lacks and supports
The defects of giving as security guarantee resource, improves flow of fund efficiency, reduces circulation cost, and solves chain debts, bull debt, for neutralizing place
Business contradiction and disputes between government debt and all kinds of economic entities also have positive effect, are that a quickening supply side changes
Leather, promotes popular foundation, the important measure of millions of people innovation.
The foregoing is merely presently preferred embodiments of the present invention, is not intended to limit the invention, it is all the present invention spirit and
Within principle, any modification, equivalent replacement, improvement and so on, should all be included in the protection scope of the present invention.
Claims (8)
- A kind of 1. accounts receivable credits voucher (contract) flow system, it is characterised in that：Module is accepted including credits, increases letter examination Module, joint examination countersign module, condition implements module, risk examines module, code distribution module, accounts receivable credits voucher (close Module and accounts receivable credits voucher (contract) print module are provided together)；Credits accept module and are used to obtain accounts receivable information and essential information is transmitted to increasing letter to examine module, accounts receivable letter Breath include the raw information of accounts receivable, credit and debt people information, credit and debt confirmation message, increase believe application information, accept it is careful Nuclear information and related contract appendix etc.；Increase letter and examine that module is used to accept credits the accounts receivable credits circulation Business Information of module submission and is examined and complete Cheng Zengxin examination reports, and will increase and believe that examining that information is transmitted to makes a joint checkup countersign module；Joint examination countersign module is used to check, record, checks that accounts receivable credits accept, increase letter examination information, completes joint examination countersign Joint examination countersign information is simultaneously transmitted to condition and implements module by opinion；The essential information that condition implements the accounts receivable credits that module is used to conutersign completing joint examination is checked, to implementing condition Information will implement conditional information and be transmitted to risk examination module into edlin；Risk examines that the accounts receivable credits that module is used to implement completion condition carry out risk examination, and risk is examined qualification Accounts receivable credits information be transmitted to code distribution module；Code distribution module is used to examine risk qualified accounts receivable credits information generates unique credits code and distributes extremely The accounts receivable credits, and the accounts receivable credits information with credits code is transmitted to accounts receivable credits voucher (contract) Provide module；Accounts receivable credits voucher (contract) provides module for voucher (contract) template according to setting, to having completed credits generation The accounts receivable credits information that code division is matched somebody with somebody generates accounts receivable credits voucher (contract) and is delivered to accounts receivable credits voucher and (closes Print module together)；Accounts receivable credits voucher (contract) print module is used to print accounts receivable credits voucher (contract).
- 2. the system as claimed in claim 1, it is characterised in that：The system also includes assignment of credit module and pledge of obligation to step on Remember module；Assignment of credit Registration Module be used for by the credits voucher (contract) record the accounts receivable assignment of credit to assignee simultaneously Registered；Pledge of obligation Registration Module is used to the accounts receivable credits pledged carrying out Registration of Pledge, and freezes accounts receivable credits Circulate function.
- 3. the system as claimed in claim 1, it is characterised in that：The credits accept module include accept unit, examination ＆ verification unit, Check unit and transmitting element；Accept the essential information that unit is used to record the accounts receivable credits；Examination ＆ verification unit is used to audit the essential information of the accounts receivable credits；Review unit is used to check the accounts receivable credits information after examination ＆ verification unit examination ＆ verification；The accounts receivable credits information that transmitting element is used for after review, which is sent to corresponding service organization, is audited, and is being audited After the completion of by accounts receivable credits information send to it is described increase letter examine module.
- 4. the system as claimed in claim 1, it is characterised in that：The letter that increases examines that module includes increasing letter search unit, increases letter Selecting unit and increasing letter opinion generation unit；Increase letter examine search unit be used for initial creditor, debtor, the number of accepting, accept the date, by accounts receivable credits by Reason information is committed to the increasing letter and examines that the date of module, approval status are searched for generally, and obtain increasing letter examination answers receipt on account Money credits circulation business；Increase letter and examine that selecting unit is used for the selection from the accounts receivable credits circulation business that search unit searches and needs to carry out Increase the accounts receivable credits that letter examines, check that increasing letter examines information；Increase letter examination reports generation unit to be used for after selecting unit checks that increasing letter examines information, generation increases letter examination reports.
- 5. the system as claimed in claim 1, it is characterised in that：The risk examines that module includes risk and examines message audit list Member, implement conditional information examination unit, annex review message audit unit and examine information query unit；Risk examine message audit unit use, implement conditional information examine unit and annex review message audit unit respectively into Sector-style danger god wipes the sweat, implements condition examination and annex review examination；Examine that information query unit is used to accept the credits module, the increasing letter examination module and the joint examination countersign mould Information in the block is inquired about.
- 6. the system as claimed in claim 1, it is characterised in that：The code distribution module include code distribution search unit, Code distributes selecting unit and code generating unit；Code distribution search unit be used for initial creditor, debtor, the number of accepting, accept the date, code distribution the date section with And approval status is searched for generally, the accounts receivable credits circulation business of risk examination has been completed；Code distribution selecting unit, which is used for the selection from the accounts receivable credits circulation business that the completion risk examines, needs debt Weigh the record of code distribution；Code generating unit is used to, according to the credits code assignment record chosen, generate corresponding accounts receivable credits code.
- 7. the system as claimed in claim 1, it is characterised in that：The credits voucher (contract) is provided module and is distributed including code Search unit, judging unit and issuing unit；Code distribution search unit be used for initial creditor, debtor, the number of accepting, accept the date, code distribution the date section with And approval status is searched for generally, accounts receivable credits voucher (contract) the circulation business of completion code distribution is obtained；Judging unit is used to judging that accounts receivable credits voucher (contract) to be provided and the type of service, original of the accounts receivable credits Information, examine information and increase whether letter information is consistent；In judging unit judging result for when being consistent, issuing unit starts to edit the release information of the accounts receivable credits, wherein, The essential information of release information including accounts receivable credits, amount information, voucher (contract) associated with guarantee fund managing detailed catalogue with And paying information.
- 8. the system as claimed in claim 1, it is characterised in that：Credits voucher (contract) print module is further included, it includes debt Power voucher (contract) provides query unit, detail checks unit and voucher (contract) generation unit；Credits voucher (contract) provides query unit and is used to search for initial creditor, credits code, date printed generally, The accounts receivable credits circulation business of credits voucher (contract) granting is completed；Detail checks that unit is used for the details for checking accounts receivable credits circulation business, judges voucher to be generated (contract) Whether accounts receivable credits information is correct, and when accounts receivable credits information is correct, printing accounts receivable credits voucher (closes Together).
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| CN201711270928.1A CN108038781B (en) | 2017-12-05 | 2017-12-05 | Account and debt right voucher (contract) transfer system |
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|---|---|---|---|
| CN201711270928.1A CN108038781B (en) | 2017-12-05 | 2017-12-05 | Account and debt right voucher (contract) transfer system |
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| CN108038781A true CN108038781A (en) | 2018-05-15 |
| CN108038781B CN108038781B (en) | 2021-06-25 |
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| CN201711270928.1A Active CN108038781B (en) | 2017-12-05 | 2017-12-05 | Account and debt right voucher (contract) transfer system |
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| CN110705986A (en) * | 2019-09-02 | 2020-01-17 | 湖北谊嘉金融仓储有限公司 | Method for verifying authenticity of receivable accounts |
| CN110930258A (en) * | 2019-11-15 | 2020-03-27 | 安徽海汇金融投资集团有限公司 | Receivable financial financing cash scale prediction method and system |
| CN110889758A (en) * | 2019-11-15 | 2020-03-17 | 安徽海汇金融投资集团有限公司 | Creditor right transfer system construction method and system |
| CN110874792A (en) * | 2019-11-15 | 2020-03-10 | 安徽海汇金融投资集团有限公司 | Method and system for checking and activating bad asset project |
| CN110889758B (en) * | 2019-11-15 | 2023-06-23 | 安徽海汇金融投资集团有限公司 | Method and system for constructing credited flow system |
| CN110852863A (en) * | 2019-11-15 | 2020-02-28 | 安徽海汇金融投资集团有限公司 | Receivable account transfer recommendation method and system based on correlation analysis |
| CN110930258B (en) * | 2019-11-15 | 2023-08-25 | 安徽海汇金融投资集团有限公司 | Accounts receivable financing variable scale prediction method and system |
| CN111080425A (en) * | 2019-12-11 | 2020-04-28 | 深圳盈佳信联科技有限公司 | Receivable account asset equity checking system and method |
| CN112598519A (en) * | 2020-12-28 | 2021-04-02 | 深圳市佑荣信息科技有限公司 | System and method for accounts receivable pledge transfer registered property based on NLP technology |
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