Disclosure of Invention
The invention aims to provide an accounts receivable and creditor right certificate (contract) circulation system, which standardizes, electronizes and digitizes various complicated accounts receivable and creditor rights through science and technology and a credit increasing mode, promotes the circulation and the transfer (cancellation) of the accounts receivable and creditor rights, and solves the problems of difficult financing and high price of triangular debt and small and medium enterprises and the like.
In order to realize the purpose, the invention adopts the technical scheme that: the system comprises a creditor accepting module, a credit increasing examination module, a consultation and countersigning module, a condition implementing module, a risk examination module, a code distribution module, an accounts receivable and creditor certificate (contract) issuing module and an accounts receivable and creditor certificate (contract) printing module;
the credit acceptance module is used for acquiring receivable account information and transmitting the basic information to the credit increase examination module, wherein the receivable account information comprises original information of receivable accounts, credit and debtor information, credit and debt confirmation information, credit increase application information, acceptance examination information, relevant contract accessories and the like;
the credit increase examination module is used for examining the receivable account and the credit transfer business data submitted by the credit acceptance module, finishing credit increase examination opinions and transmitting the credit increase examination information to the consultation and countersigning module;
the consultation countersigning module is used for checking, recording, checking the receivable account and the creditability acceptance and the credit increase examination information, finishing the consultation countersigning opinion and transmitting the consultation countersigning information to the condition implementation module;
the conditional implementation module is used for checking basic information of the accounts receivable and debt right of the completed interview countersign, editing the implementation condition information and transmitting the implementation condition information to the risk examination module;
the risk examination module is used for carrying out risk examination on the receivable accounts and the debts which are subjected to condition implementation and transmitting the receivable accounts and the debts which are qualified in the risk examination to the code distribution module;
the code distribution module is used for generating a unique creditor code for the receivable debtor information qualified in risk examination, distributing the unique creditor code to the receivable debtor, and transmitting the receivable debtor information with the creditor code to the receivable debtor creditor certificate (contract) issuing module;
the receivable credit certificate (contract) issuing module is used for generating the receivable credit certificate (contract) for the receivable credit information which is distributed by the credit code according to a set certificate (contract) template and issuing the receivable credit certificate (contract) to the receivable credit certificate (contract) printing module;
the receivable creditor certificate (contract) printing module is used for printing the receivable creditor certificate (contract).
The system also comprises a credit transfer module and a credit pledge registration module;
the creditor transfer registration module is used for transferring the accounts receivable creditors recorded by the creditor voucher (contract) to the assignee and registering the accounts receivable creditors;
the creditability pledge registration module is used for carrying out pledge registration on the pledged accounts receivable and creditable and freezing the functions of transferring accounts receivable and creditable.
The creditor accepting module comprises an accepting unit, an auditing unit, a rechecking unit and a sending unit;
the acceptance unit is used for recording the basic information of the accounts receivable and debt right;
the auditing unit is used for auditing the basic information of the accounts receivable and debt right;
the rechecking unit is used for rechecking the account receivable and debt right information after being audited by the auditing unit;
the sending unit is used for sending the receivable and debt right information after rechecking to corresponding third-party service organizations such as banks, financing and insurance companies, insurance companies and the like for auditing, and sending the receivable and debt right information to the credit increase auditing module after auditing is completed.
The credit increase examination module comprises a credit increase searching unit, a credit increase selecting unit and a credit increase opinion generating unit;
the credit increase searching unit is used for carrying out fuzzy search on the initial creditor, the creditee, the acceptance number, the acceptance date, the date of submitting the receivable and debt right acceptance information to the credit increase examination module and the examination and approval state to obtain receivable and debt right circulation business of credit increase examination;
the credit increase selection unit is used for selecting accounts receivable and debt rights which need credit increase examination from the accounts receivable and debt right transfer business searched by the search unit and checking credit increase examination information;
the credit increase opinion generation unit is used for generating the credit increase review opinion after the selection unit views the credit increase review information.
The risk examination module comprises a risk examination information examination unit, a implementation condition information examination unit, an attachment review information examination unit and an examination information query unit;
the risk examination information examination unit is used for carrying out risk examination, implementation condition examination and accessory review examination by the implementation condition information examination unit and the accessory review information examination unit respectively;
the examination information query unit is used for querying the information in the creditor acceptance module, the credit increase examination module and the consultation countersigning module.
The code distribution module comprises a code distribution searching unit, a code distribution selecting unit and a code generating unit;
the code distribution searching unit is used for carrying out fuzzy search on the initial creditor, the creditee, the acceptance number, the acceptance date, the code distribution date field and the examination and approval state to obtain accounts receivable and creditor right transfer business with completed risk examination;
the code distribution selection unit is used for selecting records needing credit code distribution from the accounts receivable credit circulation business which completes risk examination;
and the code generating unit is used for generating a corresponding accounts receivable and debt code according to the selected debt code distribution record.
The creditor certificate (contract) issuing module comprises a code distribution searching unit, a judging unit and an issuing unit;
the code distribution searching unit is used for carrying out fuzzy search on the initial creditor, the creditee, the acceptance number, the acceptance date, the code distribution date field and the examination and approval state to obtain receivable account creditor certificate (contract) circulation business with the code distribution completed;
the judging unit is used for judging whether the business type, the original information, the examination information and the credit adding information of the accounts receivable and debt certificate (contract) issuance conforms to the accounts receivable and debt certificate;
and when the judgment result of the judgment unit is in accordance with the result of the judgment unit, the issuing unit starts to edit issuing information of the accounts receivable and debt right, wherein the issuing information comprises basic information, amount information, certificate (contract) and guarantee fund association detail information and payment expense information of the accounts receivable and debt right.
The system also comprises a creditor certificate (contract) printing module, wherein the creditor certificate (contract) printing module comprises a creditor certificate (contract) issuing and inquiring unit, a detail checking unit and a certificate (contract) generating unit;
the creditor certificate (contract) issuing inquiry unit is used for carrying out fuzzy search on the initial creditor, the creditor code and the printing date to obtain account receivable creditor transfer business which completes the creditor certificate (contract) issuing;
the detail checking unit is used for checking the detailed information of the accounts receivable and debt right transfer business and judging whether the accounts receivable and debt right information of the certificate (contract) to be generated is correct or not;
when the receivable/debt information is correct, a receivable/debt voucher (contract) is printed.
Compared with the prior art, the invention has the following technical effects: the invention generates the electronized and digitalized receivable and debt right voucher (contract) by carrying out standardization, electronization and digitalization processing on the receivable, and the voucher (contract) abstracts and records the receivable amount, the debtor, the initial debt right person, the debt right basis (contract), the due date, receivable credit increase, circulation registration and other related information, thereby realizing a multifunctional debt right circulation system for collecting receivable and debt right circulation, settlement (cancellation), financing, melting and the like, and having important significance for effectively solving the debt of government and enterprise and solving the social contradiction dispute in a diversified manner.
Detailed Description
To further illustrate the features of the present invention, refer to the following detailed description of the invention and the accompanying drawings. The drawings are for reference and illustration purposes only and are not intended to limit the scope of the present disclosure.
As shown in fig. 1 to 3, the present embodiment discloses an accounts receivable and creditory certificate (contract) circulation system, including: the system comprises a creditor accepting module 1, a credit increase examining module 2, a consultation and countersigning module 3, a condition implementation module 4, a risk examining module 5, a code distribution module 6, a creditor certificate (contract) issuing module 7 and an accounts receivable creditor certificate (contract) printing module 8;
the credit acceptance module 1 is used for acquiring basic information of accounts receivable and transmitting the basic information to the credit increase examination module 2, wherein the basic information comprises original information of the accounts receivable, confirmation information, credit increase examination information, credit increase application information and acceptance examination information;
the claim acceptance module 1 displays all records of services that are being applied, application completed, and application terminated. The module can perform operations such as adding, editing, accepting and reviewing, deleting, distributing, terminating, attaching, flow inquiring and the like.
The original information of the accounts receivable includes an initial creditor, a debtor, an acceptance number, an acceptance date, a submission date of the link, an approval state, a total amount of the accounts receivable, an application amount, an application period, an acceptance serial number and the like.
The information of the credit increase application comprises information of application discount, service variety, application date, service contract number, credit management company, application amount, application period, expected completion date, serial number and the like.
The acceptance and verification information comprises business acceptance information and acceptance and rechecking information.
The credit increase examination module 2 is used for examining the selected receivable credit and debt transfer service which needs credit increase examination, completing filling of credit increase examination opinions and transmitting credit increase examination information to the consultation and countersigning module 3; the credit increase review module 2 is a module for performing credit increase review on receivable and debt right and money flow information which is input by the system and completes the survey, wherein the credit increase mode includes deposit, pre-credit, guarantee of guarantee company, arbitration, notarization, insurance, effective asset guarantee, asset evaluation, re-insurance, legal guarantee and the like.
The consultation countersigning module 3 is used for checking, recording and checking receivable account and debt right acceptance and credit increase examination information, finishing consultation countersigning opinions and transmitting the consultation countersigning information to the condition implementation module 4; it should be noted that the review countersigning module 3 is used for performing review management and approval resolution on the comprehensive information of the receivables and creditors transfer service.
The condition implementation module 4 is used for checking the basic information of the accounts receivable and debt right of the completed interview countercheck, editing the implementation condition information and transmitting the implementation condition information to the risk examination module 5; it should be noted that the condition implementation module 4 is used for checking whether the received account conforms to the digital processing, and inputting and displaying the credit increase checking information.
The risk examination module 5 is used for carrying out risk examination on the receivable debt right which is subjected to condition implementation and transmitting the receivable debt right information which is qualified in the risk examination to the code distribution module 6; the risk review module 5 is configured to perform risk control and determine whether the receivable/creditor information passes risk review.
The code distribution module 6 is used for generating a unique creditor code for the receivable and creditor information qualified in risk examination, distributing the unique creditor code to the receivable and creditor, and transmitting the receivable and creditor information with the creditor code to the creditor certificate (contract) issuing module 7; the code assigning module 6 is configured to assign a unique creditor code to the receivable and creditor right after the acceptance and verification are completed.
The creditor certificate (contract) issuing module 7 is used for issuing creditor certificates (contracts) to the receivable and creditor information distributed by the creditor codes according to the set certificate (contract) module; the creditor certificate (contract) issuing module 7 is used for issuing a standardized receivable creditor certificate (contract) for the receivable creditor whose acceptance is completed. The form of the creditor certificate may be a contract, a receipt, a mortgage certificate, or the like, and in the present embodiment, a standardized contract form is preferably used as the creditor certificate (contract). The voucher (contract) summary records the account receivable/debt right and the related information such as transfer, pledge or offset (cancellation), is the voucher material of the account receivable/debt right transfer, pledge and offset (cancellation), and is not the securities.
The creditor certificate (contract) printing module 8 is used to print a paper receivable creditor certificate (contract).
Note that the receivable creditor certificate (contract) in the present embodiment refers to a paper or electronic certificate (contract) issued by a system for transferring receivable creditor certificates (contracts), which is a cooperation between a qualified receivable creditor management company, a mediation organization, and other units having professional receivable creditor certificate (contract) transfer business operation experience and qualification approved by the relevant ministry of the country, and which performs integrated credit increase and creditor relationship confirmation for receivable accounts.
The receivable/debt right management company is a third service organization approved by local government, having independent capital organization in China, cooperating with the units approved by the relevant ministerial committees in China and having professional receivable/debt right certificate (contract) transfer business operation experience and qualification, and going through the organization of banks, insurance or financing guarantee companies, checking the authenticity, relevance and legality of the receivable/debt right, confirming the right obligation of the business applicant of the receivable/debt right certificate (contract) transfer business, issuing the certificate (contract) for the eligible applicant, developing registration, public indication and the like, and cooperating with the organization to provide services of credit increase, pledge registration, transaction, financing, payment, recouping, fund escrow and the like for the receivable/debt right transfer business.
The mediation organization refers to mediation mechanisms such as people mediation, business mediation, industry mediation and the like, the functions of the mediation mechanisms are cooperated with units approved by relevant ministerial committees of the state and having professional accounts receivable and debt right certificates (contracts) for transferring business operation experience and qualification, and paper or electronic accounts receivable and debt right certificates (contracts) are registered through an accounts receivable and debt right certificate (contract) transferring system according to a civil judgment book validated by a people's court, a civil mediation book or a civil adjudication book confirming mediation agreement, or an account receivable and debt right relation determined by relevant legal documents such as an arbitration decision, a mediation book, a notarization document and the like, and the transfer and the reimbursement (cancellation) recorded by the certificates (contracts) are promoted.
The creditor transfer registration module 9 is used for transferring the accounts receivable creditors recorded by the creditor voucher (contract) to the assignee and registering the accounts receivable creditors; the role of which is to handle the registration of the transfer of accounts receivable liabilities among system clients.
The creditor registration module 10 is used for performing creditor registration on the creditable accounts receivable and debt and freezing the transfer function of the creditable accounts receivable and debt, and is used for performing creditor freezing on accounts receivable and debt in the system. Wherein, the credit pledge registration information comprises: pledge credit information: basic information of the pledged creditor, including initial registration date of creditor codes, credit repurchase date, credit management company and the like; the information of the deputy: including the client number of the deputy, the name of the deputy, the management company, the holding amount, etc.; information of the person with quality right: including the name of the person who has the right of quality, etc.; pledge financing information: including the amount of the demoble matter, the amount of the pledge, the financing amount, the period of the pledge, the initial date of the debt fulfillment, the ending date of the debt fulfillment, the main contract number, the pledge number, etc.; pledge operation information: including serial number, point of registration, operator, pledge date, etc.
It should be noted that the streaming system architecture in this embodiment is a distributed service architecture, and a distributed memory database Redis and a message queue MQ are adopted to support high performance, high concurrency, and high availability requirements in a big data environment.
Further, as shown in fig. 3, the creditor accepting module 1 includes an accepting unit, an auditing unit, a rechecking unit and a transmitting unit;
the acceptance unit is used for recording the basic information of the accounts receivable and debt right;
the auditing unit is used for auditing the basic information of the accounts receivable and debt right;
the rechecking unit is used for rechecking the account receivable and debt right information after being audited by the auditing unit;
the sending unit is used for sending the receivable and debt right information after rechecking to a corresponding service organization for auditing, and sending the receivable and debt right information to the credit increase auditing module 2 after auditing is completed.
The working flow of the creditor acceptance module 1 is shown in fig. 4, and the creditor acceptance module 1 can edit, delete, accept and review, submit credit increase review, distribute and terminate the creditor information of the receivable accounts according to the digital processing progress and condition of the receivable accounts.
Further, the work flow chart of the credit increase examination module 2 is shown in fig. 5, and the credit increase examination module 2 includes a credit increase searching unit, a credit increase selecting unit and a credit increase opinion generating unit;
the credit increase searching unit is used for carrying out fuzzy search on the initial creditor, the creditee, the acceptance number, the acceptance date, the date of submitting the receivable and debt right acceptance information to the credit increase examination module 2 and the examination and approval state to obtain receivable and debt right circulation business of credit increase examination;
the credit increase selection unit is used for selecting accounts receivable and debt rights which need credit increase examination from the accounts receivable and debt right transfer business searched by the search unit and checking credit increase examination information;
the credit increase opinion generation unit is used for generating the credit increase review opinion after the selection unit views the credit increase review information.
Further, the workflow of the review countersigning module 3 is as shown in fig. 6, and the review countersigning module 3 includes a review searching unit, a review selecting unit and a review approving unit;
the consultation search unit carries out fuzzy search through the non-initial creditor, the creditee, the acceptance number, the acceptance date, the submission date of the link, the examination and approval state and the like to obtain the receivable account creditor transfer service which is already finished with the examination and approval;
the consultation selection unit selects the receivable and debt transfer service which is subjected to the review or approval as the receivable and debt transfer service to be confirmed.
The consultation approval unit is used for checking information including original information of the accounts receivable and the debt, credit increase information and the like, transferring business review or approval opinions of the entered accounts receivable and the debt, and storing and signing.
Further, the work flow of the conditional implementation module 4 is shown in fig. 7, and the conditional implementation module 4 specifically includes an implementation searching unit, an implementation selecting unit, and an implementation editing unit;
and the real-time searching unit performs fuzzy search on the initial creditor, the creditee, the acceptance number, the acceptance date, the submission date of the link, the examination and approval state and the like to complete the account receivable creditor transfer service of the audited countercheck.
The implementation selection unit is used for selecting the receivable and debt right transfer service which finishes the countercheck and the countercheck, and checking the original information, the credit increase information and other information of the receivable and debt right.
And the implementation editing unit edits and modifies implementation condition information such as guarantee fund and credit increase measures.
Further, the work flow diagram of the risk review module 5 is shown in fig. 8, and includes a risk review information unit, an implementation condition information unit, an attachment review information unit, and a review information query unit;
the risk examination information unit is used for carrying out risk god examination, implementation condition examination and accessory rechecking examination respectively by the implementation condition information unit and the accessory rechecking information unit;
the examination information query unit is used for querying the information in the creditor acceptance module 1, the credit increase examination module 2 and the consultation countersign module 3.
It should be noted that the risk review information, the implementation condition information, and the attachment review information can be viewed by clicking the tab page. The risk examination information comprises credit acceptance information, credit increase examination information, consultation countersign information, bank examination information, credit insurance information, credit guarantee information, asset evaluation information and legal guarantee information.
During the risk examination, if the examination is not passed, the transaction of transferring accounts receivable and debt right can be terminated.
Further, as shown in fig. 9, the code allocation module 6 includes a code allocation search unit, a code allocation selection unit, and a code generation unit;
the code distribution searching unit is used for carrying out fuzzy search on the initial creditor, the creditee, the acceptance number, the acceptance date, the code distribution date field and the examination and approval state to obtain accounts receivable and creditor right transfer business with completed risk examination;
the code distribution selection unit is used for selecting records needing credit code distribution from the accounts receivable credit circulation business which completes risk examination;
and the code generating unit is used for generating a corresponding accounts receivable and debt code according to the selected debt code distribution record.
After risk review, the credit approval process is finished, the credit relationship is formally generated, the credit is registered, and a unique credit code is generated and distributed to the corresponding accounts receivable and credit.
Further, as shown in fig. 10, the creditor voucher (contract) issuing module 7 includes a code distribution search unit, a judgment unit, and an issuing unit;
the code distribution searching unit is used for carrying out fuzzy search on the initial creditor, the creditee, the acceptance number, the acceptance date, the code distribution date field and the examination and approval state to obtain account receivable creditor transfer business with finished code distribution;
the judging unit is used for judging whether the business type, the original information, the examination information and the credit adding information of the accounts receivable and debt certificate (contract) issuance conforms to the accounts receivable and debt certificate;
when the judgment result of the judgment unit is consistent, the issuing unit starts to edit the issuing information of the accounts receivable and debt right and generates a debt certificate (contract). The creditor voucher (contract) is generated according to a set template, which can be set according to actual conditions. The issuing information comprises basic information of accounts and debt rights to be collected, amount information, certificate (contract) and guarantee fund association detail information and payment expense information.
The basic information of the accounts receivable and debt right comprises basic information of issued debt right, a debt right code, a debt right management company, a business variety and the like. The amount information includes the balance of the debt, the amount to be rechecked, the accumulated amount to be voided, and the like. When the certificate (contract) and the guarantee fund association detail information comprises issuing of the certificate (contract), the system selects a guarantee fund depositor, a fund account number of the depositor in a management company, a bank name, a bank account number, a proportion of the guarantee fund to be paid, the amount of the guarantee fund associated with the frozen certificate (contract) and the like according to the service type (a repurchase type initial debtor and a commitment payment debtor) or the actual condition. Creditor voucher (contract) issuing information: the detailed information of the single creditor voucher (contract) issue includes the amount of the single creditor voucher (contract), the repurchase date, the creditor supplement basis, the issue information, etc.
Further, as shown in fig. 11, a creditor certificate (contract) printing module 8 is further included, which includes a creditor certificate (contract) issuance inquiry unit, a detail viewing unit, and a certificate (contract) generation unit;
the creditor certificate (contract) issuing inquiry unit is used for carrying out fuzzy search on the initial creditor, the creditor code and the printing date to obtain account receivable creditor transfer business which completes the creditor certificate (contract) issuing;
the detail checking unit is used for checking the detailed information of the accounts receivable and debt right transfer business and judging whether the accounts receivable and debt right information of the certificate (contract) to be generated is correct or not;
when the receivable/debt information is correct, a receivable/debt voucher (contract) is printed.
In practical application, a printable receivable account creditor certificate (contract) list can be automatically popped up during printing, and printing operation is completed.
Further, as shown in fig. 12, the creditor transfer module 9 specifically includes a transfer information entry unit and a transfer information viewing unit;
the transfer information input unit is used for registering the transfer right transfer of the receivable accounts. And inputting the receivable credit information, the exporter information, the transferee information and the transfer registration information in the credit transfer module, and uploading receivable transfer accessory data. After the account receivable and debt right transfer information is confirmed, the account receivable and debt right transfer record can be submitted to the system by selecting submission.
The transfer information viewing unit is used for viewing the detailed information of the accounts receivable and debt transfer registration through the debt transfer module.
Further, as shown in fig. 13, the creditor module 10 specifically includes a pledge information entry unit and a pledge information viewing unit;
the pledge information input unit is used for inputting pledge information of accounts and debts, the information of the pledge information, the information of the pledge financing information and uploading pledge accessory information of accounts receivable. After confirming the credit pledge registration information of the receivable and debt, the pledge registration is completed.
The pledge information viewing unit is used for viewing the detailed information registered by the accounts receivable and debt pledge through the creditable pledge module.
It should be noted that, as shown in fig. 14, the accounts receivable/creditor certificate (contract) circulation system provided by this embodiment strictly checks the authenticity, validity and validity of accounts receivable from the source by combining with the creditor management service organization closely matched with the accounts receivable/creditor management service organization according to the asset attributes and the business characteristics of the accounts receivable/creditor, and converts the eligible accounts receivable/creditor certificate into a standardized accounts receivable/creditor certificate (contract) for circulation by performing full-process electronic and digital processing such as registration, business inspection, credit increase, allocation of creditor codes, issuance of creditor certificates (contracts) and creditor circulation registration, so as to strictly control the risks of the accounts receivable/creditor certificate, liquidity, morally, operability and failure to pay due, etc. in the actual business operation, the business is developed mainly by the following two innovative modes and methods, and has been successfully demonstrated and applied in a plurality of cities and counties (regions) such as Anhui, Tianjin, Zhejiang, Shanxi and inner Mongolia:
(1) establishing an account receivable and debt right transfer mode taking a government and an associated party thereof as debtors, establishing an account receivable and debt right management company of whole state resources through the government, integrating resources such as banks, insurance, guarantee and the like, promoting the transfer, financing, goods melting, transaction and payment of account receivable and debt rights recorded by accounts receivable and debt right certificates (contracts) taking the government, state resources and core large enterprises as the debtors, realizing credit transfer, and breaking the problems of small and medium enterprises and upstream of an industrial chain;
(2) the method establishes an account receivable and debt right transfer mode based on judicial action and mediation, supports mediation organization and mediation and issues account receivable and debt right certificates (contracts) through the seal of the people's court, promotes the transfer, the goods fusion and the payment of various account receivable accounts which are recorded by the certificates (contracts) and confirmed by effective legal documents, resolves contradiction disputes, reduces litigation and is difficult to break and execute.
The innovative business mode, business method and system of the invention are completely different from business methods and platforms of accounts receivable warranty, accounts receivable financing, supply chain finance and the like in the prior art, the circulation of accounts receivable and debt authority certificates (contracts) in the embodiment is not only limited to the accounts receivable financing, but also integrates multiple functions of circulation, financing, goods melting, transaction and reimbursement (sales), and the like into a whole, and the problems of the debt authority and debt are solved comprehensively through government guidance, folk participation and market-oriented operation without capital injection and lever, so that the large amount of settled accounts receivable among various economic main bodies are worked out, the defect that small and medium-sized micro-enterprises lack the mortgage guarantee resources is overcome, the capital circulation efficiency is improved, the circulation cost is reduced, the debt triangle and the long debt are solved, and the business contradiction between local government debt and various economic main bodies is solved, is an important measure for accelerating the reform of the supply side and promoting the entrepreneurship and the innovation of the masses.
The above description is only for the purpose of illustrating the preferred embodiments of the present invention and is not to be construed as limiting the invention, and any modifications, equivalents, improvements and the like that fall within the spirit and principle of the present invention are intended to be included therein.