CN108256844B - Calculation payment method in traditional supply chain financial field - Google Patents
Calculation payment method in traditional supply chain financial field Download PDFInfo
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- CN108256844B CN108256844B CN201810114616.XA CN201810114616A CN108256844B CN 108256844 B CN108256844 B CN 108256844B CN 201810114616 A CN201810114616 A CN 201810114616A CN 108256844 B CN108256844 B CN 108256844B
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- G06Q20/00—Payment architectures, schemes or protocols
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Abstract
The invention discloses a settlement payment method in the traditional supply chain financial field. The method comprises the following steps that a purchasing party and a supply party are divided, a trading party signs related purchasing contracts on a platform, and order trading including delivery and receiving is carried out on the platform; after the transaction of both sides of the transaction is finished, account checking is carried out on the platform, and after the transaction is finished, payment of the goods is carried out at the transaction end; generating a settlement payment table, an overdue interest base table and a subsidence table according to the actual payment condition, carrying out verification by two-party auditors, and writing the verification in the current-term reconciliation calculation table after the verification is passed; after the transaction settlement of the transaction parties is completed, the supply party carries out ticket exchange operation on the platform, the ticket with the payment category of the commercial acceptance bill is converted into a bank acceptance bill or cash, and the bank acceptance bill or the cash is exchanged on time when the commercial acceptance bill issued by the purchasing party is expired, so that the transaction cycle is completed. The invention has the beneficial effects that: the benefits of the supplier are guaranteed, the working efficiency of both transaction parties is improved, the capital of the stock is kept alive, and the transaction cost of bill conversion is reduced.
Description
Technical Field
The invention relates to the technical field related to financial data processing, in particular to a calculation payment method in the traditional supply chain financial field.
Background
The concept of supply chain has been developed from the concept of expanded production, and modern management education defines supply chain as "the whole functional network chain structure which is formed by connecting supply chain, core enterprise, supplier, manufacturer, distributor (retailer, wholesaler, etc.) and end user, by controlling the flow of business, information, logistics, and fund, starting from purchasing raw materials, making intermediate products and final products, and finally delivering the products to consumers from the distribution network".
The supply chain refers to the connection of related persons or the connection of business before the commodities arrive at the hands of the consumers, and is a functional network chain structure which surrounds a core enterprise, and is used for connecting suppliers, manufacturers, distributors (retailers, wholesalers and the like) to the end users into a whole by controlling information flow, logistics and fund flow, manufacturing intermediate products and final products from the raw material purchase and finally sending the products to the hands of the consumers through a sales network. The business idea of supply chain management is to optimize the supply chain as a whole by cooperation between enterprises from the perspective of consumers. Successful supply chain management can coordinate and integrate all activities in the supply chain, eventually becoming an integrated process of seamless connectivity.
In the financial field of the conventional supply chain, a general transaction mode usually adopts an offline mode, so that open-loop transaction is easy to form, the problem of fund shortage exists between two transaction parties, partial payment is usually adopted during settlement payment, the rest part is used for next payment, but overdue and interest cost is not involved, and the benefit of a supplier is damaged.
Disclosure of Invention
The invention provides a payment method for settlement in the traditional supply chain financial field, which can effectively protect the interests of suppliers and overcome the defects in the prior art.
In order to achieve the purpose, the invention adopts the following technical scheme:
a settlement payment method in the traditional supply chain financial field comprises a purchasing party and a supplying party, wherein both transaction parties perform auditing after registering users on a transaction platform, and the transaction parties can use the users after activating the users after the auditing is completed, and the settlement payment method specifically comprises the following steps:
(1) the two transaction parties set an organization structure, a user level and a role authority according to actual conditions, use a user management module and authorize different subordinate users according to the actual conditions;
(2) the bank credit system receives a credit file of a bank to a purchasing party, and a bank credit module is called to distribute credit amount according to an organization framework set by the purchasing party;
(3) the two transaction parties initiate a contract, and a contract management module is called to provide necessary parameters for subsequent orders, account checking and settlement payment;
(4) after signing of the contract is completed, the purchasing side calls an order processing module, initiates a plan sheet, confirms the issued contract and the corresponding commodity category and quantity, receives the plan sheet by the supplying side after signing is completed, processes the plan sheet, splits the plan sheet, supplies goods in different batches according to actual conditions, confirms the quantity and the price of the current delivery, confirms the order by the purchasing side after signing is completed, generates a delivery sheet by the supplying side after confirmation, completes the current delivery and enters a delivery stage; after the purchasing party receives the batch of goods, signing for the goods, filling the receiving quantity, confirming by the supplier, and completing the order after the supplier confirms;
(5) after the order is finished, the corresponding order is automatically pushed into a reconciliation module and enters a reconciliation calculation table, the reconciliation calculation table has periodicity, the reconciliation date in the contract parameters is periodically taken, when the reconciliation period is not up, the price of the order can be modified by both trading parties, if the price of the order modified by both parties is inconsistent, the system displays red for marking, when the reconciliation period is opened, the reconciliation link is entered, the reconciliation price of the corresponding order is confirmed, when all the price of the order is consistent, the reconciliation is carried out by reviewers of both parties, the reconciliation bill is generated after the reconciliation is passed, and the final amount of the order at the current period is confirmed;
(6) entering a settlement payment link after the account checking is finished, calling a settlement payment module, initiating a settlement application by a supplier, taking a finished statement in a corresponding contract, taking a corresponding statement payment rate in contract parameters to generate the payment amount of the application, and enabling a settlement application form to take effect after a buyer audits the settlement application;
(7) after settlement application is completed, entering a payment link, calling a settlement payment module, paying by a buyer according to a settlement application form, wherein the payment mode is one or more of cash, bank acceptance bills, commercial acceptance bills, receivable accounts and payable accounts, if the payment mode is the commercial acceptance bills, the receivable accounts and the payable accounts, calling a bank credit module to judge whether the credit amount of the buyer bank is sufficient during payment, if so, paying, deducting the credit amount of the buyer bank, finishing the payment, receiving corresponding goods by a supplier, and processing the corresponding bill by a bill management module; if the payment mode is cash and bank acceptance draft, the payment is finished, and the payment condition is written back to the statement in the reconciliation module;
(8) and generating a settlement payment table, an overdue interest base table and a subsidence table according to the actual payment condition, auditing by auditors of both parties, writing the audited results into the current account checking calculation table after the audits are passed, and finishing the payment finishing process.
On one hand, the invention can effectively ensure the benefit of a supplier through the design of a settlement payment mode; on the other hand, the transaction system which integrates contract, transaction, settlement and bill management as main functions is provided, the online of the traditional supply chain financial transaction is realized, a transaction closed loop is formed, the service management capacity and the data processing capacity of both transaction parties are improved, the working efficiency of both transaction parties is improved, the capital cost of both transaction parties in the trading process is reduced, the problem of insufficient capital of both transaction parties is solved, the capital of stock is kept, the transaction cost of bill conversion is reduced, and the authenticity of the transaction is ensured.
Preferably, in the step (2), one purchasing end can be credited to a plurality of banks, and subsequent business operation is performed after the credit line allocation is completed.
Preferably, in step (3), the contents of the signed contract include a reconciliation period, a settlement period and a payment method.
Preferably, in step (4), if the supplier has doubt about the quantity of the received goods, the two parties can refute, after the two parties verify the actual quantity, the buyer re-fills the quantity of the received goods, and after the quantity is confirmed by the supplier, the order and the planning sheet are a cyclic process, one contract corresponds to a plurality of planning sheets, one planning sheet corresponds to a plurality of orders, and the order processing module mainly confirms the goods to be delivered and the quantity of the received goods.
Preferably, in step (5), the statement of account includes an initial amount, a current income, a payment portion and an end amount, wherein the initial amount refers to a last-period end amount, the current income refers to an amount of the current reconciliation calculation table, the payment portion refers to an amount of the corresponding settlement payment table, and the end amount is specifically the initial amount plus the current income minus the payment portion.
Preferably, in step (6), one settlement application form may be divided into one or more reconciliation data to generate the amount due according to the payment method of the contract settlement.
Preferably, in step (7), when the payment mode is commercial acceptance bill, receivable and payable, the supplier can initiate a bill exchange application, convert the corresponding bill into bank acceptance bill or cash, after receiving confirmation notice of the bank, the bill exchange is successful, the commercial acceptance bill, receivable and payable paid by the buyer during payment has a exchange date, when the exchange date expires, the buyer exchanges the bill, and after receiving the exchange notice of the bank, the credit line deducted in the settlement payment module is recovered, the credit line of the bank is recycled, and the process is ended.
Preferably, in the step (8), the payment mode of the actual payment is compared with the payment mode of the settlement application table, if the payment mode is consistent with the payment mode of the settlement application table, the payment is completed, a settlement payment table is generated, and the payment information is written into the payment part of the current statement bill; if the payment is inconsistent, completing the payment, generating a settlement payment table, writing the payment condition into a payment part of the current statement, generating a message-attached basis number table for the inconsistent part of the payment amount, and after generating the message-attached basis number table, processing the message by the supplier according to a formula to generate a corresponding total message-attached amount, wherein the formula is as follows: the interest sum refers to the part with inconsistent payment amount, the nominal interest difference refers to the interest difference between an actual payment mode and a payment mode in a settlement application table, the number of invoicing months refers to the cashing period of the actual payment mode, then a corresponding processing mode is selected to process the total interest sum, and the transaction parties complete the calculation of the interest sum tables and place the information into the income part of the current statement bill after the auditing is completed.
Preferably, in step (8), according to the settlement parameters of the contract, if the amount in the settlement application table exceeds the payment limit but is not paid, both parties of the transaction need to pay overdue interest, a overdue interest base number table is generated, and the interest counting starting date of the corresponding order is calculated according to the payment proportion in the contract, and the specific operation mode is as follows: scanning the completed statement of account every day, if the order state in the corresponding statement of account is unpaid and exceeds the initial day of interest counting, generating an overdue interest calculation table corresponding to the order, and adding 1 to the overdue days every day before actual payment; after entering a payment process, judging whether the corresponding statement of account has an overdue interest base number table or not, if the statement of account does not have the overdue interest base number table, finishing payment, generating a settlement payment table, and writing payment information into a payment part of the current statement of account; if the statement of overdue interest has the overdue interest base number table, completing payment, generating a settlement payment table, writing the payment information into the payment part of the current statement of overdue interest, and calculating the overdue interest, wherein the formula for calculating the overdue interest of each order is as follows: and (3) the account checking amount of each order is overdue interest cost and overdue days, then the corresponding processing mode is selected to process the overdue interest, the two trading parties complete the calculation of the overdue interest and place the overdue interest into the income part of the current statement bill after the auditing is completed.
Preferably, in step (8), the processing mode of the interest and the processing mode of the overdue interest are the same, and the processing modes comprise three processing modes of single invoicing, difference making mode and current unit price, and only one processing mode can be selected during processing, wherein: the independent invoicing means that after the corresponding total amount of the interest or the overdue interest is calculated, the corresponding total amount of the interest or the overdue interest is directly written into the income part of the current statement bill, and the total amount of the interest or the overdue interest is processed in an independent calculation and invoicing mode; the compensation mode is that the total interest bearing amount or the overdue interest bearing cost of each order corresponding to the overdue interest are calculated, and after the calculation is finished, the orders are written into the statement bill; the current unit price refers to that the total interest or the overdue interest is allocated to the order of normal transaction in the statement of account after the total interest or the overdue interest is calculated, the processing mode is different from the compensation mode, the compensation mode is that the total interest or the overdue interest unit price and the total interest or the overdue interest are generated for the original order and then inserted into the statement of account, and the current unit price refers to that the total interest or the overdue interest is allocated to a new order generated in the normal transaction, so that the unit price of the new order is increased, and the unit price comprises the cost of interest allocation or the cost of overdue interest.
The invention has the beneficial effects that: the method can effectively guarantee the benefits of a supplier, realize the online financial transaction of the traditional supply chain and form a transaction closed loop, improve the service management capacity and the data processing capacity of both transaction parties, improve the working efficiency of both transaction parties, reduce the capital cost of both transaction parties in the trading process, solve the problem of insufficient capital of both transaction parties, keep the capital in stock, reduce the transaction cost of bill conversion and ensure the authenticity of the transaction.
Drawings
FIG. 1 is a flow diagram of a message processing of the present invention;
FIG. 2 is a flow chart of the overdue interest processing of the present invention.
Detailed Description
The invention is further described with reference to the following figures and detailed description.
A settlement payment method in the traditional supply chain financial field comprises a purchasing party and a supplying party, wherein both transaction parties perform auditing after registering users on a transaction platform, and the transaction parties can use the users after activating the users after the auditing is completed, and the settlement payment method specifically comprises the following steps:
(1) the two parties of the transaction set an organization structure, a user level and a role authority according to actual conditions, use a user management module and authorize different subordinate users according to the actual conditions.
(2) The bank credit system receives a credit file of a bank to a purchasing party, and a bank credit module is called to distribute credit amount according to an organization framework set by the purchasing party; wherein: one purchasing end can correspond to a plurality of banks for credit, and subsequent business operation is carried out after the credit limit distribution is completed.
(3) The two transaction parties initiate a contract, and a contract management module is called to provide necessary parameters for subsequent orders, account checking and settlement payment; the contents of the signed contract include a reconciliation period, a settlement period and a payment method. Such as: the account checking period is 25 days to 30 days of the current month, the settlement period is 5 days to 10 days of the next month, and the payment mode is one of cash, bank acceptance bills, commercial acceptance bills, accounts receivable and accounts payable.
(4) After signing of the contract is completed, the purchasing party calls an order processing module, initiates a plan sheet (the purchasing party can modify the plan sheet according to actual conditions), confirms the contract of the placed sheet and the corresponding commodity category and quantity, after completion, the supplying party receives the plan sheet, processes the plan sheet, splits the plan sheet (the split plan sheet payment mode is acquiescent with the payment mode and price agreed by the contract), supplies goods in different batches according to actual conditions, confirms the delivery quantity and delivery price of the current time, after completion, the purchasing party confirms the order, after confirmation, the supplying party generates a delivery sheet, completes the delivery and enters a delivery stage; after the purchasing party receives the batch of goods, signing for the goods, filling the receiving quantity, confirming by the supplier, and completing the order after the supplier confirms; if the supplier is doubtful about the quantity of the received goods, the supplier can refute, after the two parties verify the actual quantity, the purchasing party refills the quantity of the received goods, the supplier confirms the quantity and completes the order, the order and the plan sheet are a cyclic process, one contract corresponds to a plurality of plan sheets, one plan sheet corresponds to a plurality of orders, and the order processing module mainly confirms the delivery goods and the quantity of the received goods.
(5) After the order is finished, the corresponding order is automatically pushed into a reconciliation module and enters a reconciliation calculation table, the reconciliation calculation table has periodicity, the reconciliation date in the contract parameters is periodically taken (for example, the reconciliation period agreed in the contract is 25 days to 30 days in the month, a reconciliation calculation table is generated every month, the data of the reconciliation calculation table is the order from 26 days in the previous month to 25 days in the present month, the cycle is carried out in the way), when the reconciliation period is not reached, the price of the order can be modified by both trading parties, if the price of the order modified by both parties is inconsistent, the system displays red color for marking, when the reconciliation period is opened (for example, 25 days in the present month), the reconciliation link is entered, the reconciliation price of the corresponding order is confirmed, when both price parties of all the order are consistent, the auditing personnel of both parties carry out auditing, the reconciliation is generated after the reconciliation is passed, and the final; the statement of account includes an initial amount, a current income, a payment part and a final amount, wherein the initial amount refers to the last-period final amount, the current income refers to the amount of the current account checking calculation table, the payment part refers to the amount of the corresponding settlement payment table, and the final amount is specifically the initial amount plus the current income minus the payment part.
(6) Entering a settlement payment link after the account checking is finished, calling a settlement payment module, initiating a settlement application by a supplier, taking a finished statement in a corresponding contract, taking a corresponding statement payment rate in contract parameters to generate the payment amount of the application, and enabling a settlement application form to take effect after a buyer audits the settlement application; according to the payment mode of contract settlement, one settlement application form can be divided into one or more account checking form data to generate the amount due.
(7) After settlement application is completed, entering a payment link, calling a settlement payment module, paying by a buyer according to a settlement application form, wherein the payment mode is one or more of cash, bank acceptance bills, commercial acceptance bills, receivable accounts and payable accounts, if the payment mode is the commercial acceptance bills, the receivable accounts and the payable accounts, calling a bank credit module to judge whether the credit amount of the buyer bank is sufficient during payment, if so, paying, deducting the credit amount of the buyer bank, finishing the payment, receiving corresponding goods by a supplier, and processing the corresponding bill by a bill management module; if the payment mode is cash and bank acceptance draft, the payment is finished, and the payment condition is written back to the statement in the reconciliation module. When the payment mode is commercial acceptance bill, receivable account and payable account, the supplier can initiate a bill exchange application to convert the corresponding bill into a bank acceptance bill or cash, the bill exchange is successful after receiving confirmation notice of the bank, the commercial acceptance bill, the receivable account and the payable account paid by the buyer during payment have a payment date, when the payment date is due, the buyer exchanges the bill, and after receiving the payment notice of the bank, the credit line deducted from the settlement payment module is recovered, and the credit line of the bank is recycled.
(8) And generating a settlement payment table, an overdue interest base table and a subsidence table according to the actual payment condition, auditing by auditors of both parties, writing the audited results into the current account checking calculation table after the audits are passed, and finishing the payment finishing process.
The method comprises the following specific steps: as shown in fig. 1, comparing the actual payment mode with the payment mode of the settlement application form, if the actual payment mode is consistent with the payment mode of the settlement application form, completing the payment, generating a settlement payment form, and writing the payment information into the payment part of the current statement bill; if the payment is inconsistent, completing the payment, generating a settlement payment table, writing the payment condition into a payment part of the current statement, generating a message-attached basis number table for the inconsistent part of the payment amount, and after generating the message-attached basis number table, processing the message by the supplier according to a formula to generate a corresponding total message-attached amount, wherein the formula is as follows: the interest sum refers to the part with inconsistent payment amount, the nominal interest difference refers to the interest difference between an actual payment mode and a payment mode in a settlement application table, the number of invoicing months refers to a cashing period (generally 6 months or 12 months) of the actual payment mode, then a corresponding processing mode is selected to process the total interest sum, and the transaction parties complete the calculation of the interest sum table and place the result into the income part of the current statement bill after the auditing is completed.
As shown in fig. 2, according to the settlement parameters of the contract, if the amount in the settlement application table exceeds the payment term but is not paid, both parties of the transaction need to pay overdue interest, an overdue interest base number table is generated, and according to the payment proportion in the contract, the interest counting starting date of the corresponding order is calculated, and the specific operation mode is as follows: scanning the completed statement of account every day, if the order state in the corresponding statement of account is unpaid and exceeds the initial day of interest counting, generating an overdue interest calculation table corresponding to the order, and adding 1 to the overdue days every day before actual payment; after entering a payment process, judging whether the corresponding statement of account has an overdue interest base number table or not, if the statement of account does not have the overdue interest base number table, finishing payment, generating a settlement payment table, and writing payment information into a payment part of the current statement of account; if the statement of overdue interest has the overdue interest base number table, completing payment, generating a settlement payment table, writing the payment information into the payment part of the current statement of overdue interest, and calculating the overdue interest, wherein the formula for calculating the overdue interest of each order is as follows: the account checking amount of each order is the overdue interest cost (such as one thousandth) and the overdue days, then the corresponding processing mode is selected to process the overdue interest, the two trading parties complete the calculation of the overdue interest and place the overdue interest into the income part of the current statement bill after the auditing is completed.
The processing mode of the information is consistent with the processing mode of the overdue interest, the processing mode comprises three processing modes of independent invoicing, difference complementing and current unit price, only one processing mode can be selected during processing, wherein: the independent billing means that after the total amount of the corresponding interest or the overdue interest is calculated, the total amount of the corresponding interest or the overdue interest is directly written into a income part in the current statement bill (the income part of the statement bill is written into because the total amount of the corresponding interest is not paid and is processed in a statement form, and the subsequent payment is carried out when the corresponding statement is paid), and the total amount of the corresponding interest or the overdue interest is processed in a mode of independent calculation and billing; the compensation mode is to calculate the total amount of interest or the cost of interest of each of the orders corresponding to the overdue interest, and write the orders into the statement of account (in this case, an order with a unit price of 0 but a cost of interest of not 0 is generated in the statement of account); the current unit price refers to that the total interest or the overdue interest is allocated to the order of normal transaction in the statement of account after the total interest or the overdue interest is calculated, the processing mode is different from the compensation mode, the compensation mode is that the total interest or the overdue interest unit price and the total interest or the overdue interest are generated for the original order and then inserted into the statement of account, and the current unit price refers to that the total interest or the overdue interest is allocated to a new order generated in the normal transaction, so that the unit price of the new order is increased, and the unit price comprises the cost of interest allocation or the cost of overdue interest.
For example: the amount due of the settlement application table is 100, the amount actually paid at this time is selected according to actual conditions, and a settlement payment table is generated, wherein the settlement application table comprises the following four conditions: (a) if the actual payment amount is 70 and the actual payment mode is not consistent with the contractually agreed payment mode, generating a settlement payment table and a interest table, and if the payment time limit is exceeded and the payment is not carried out, generating an overdue interest base number table; (b) if the actual payment amount is 70 and the actual payment mode is consistent with the contractually agreed payment mode, generating a settlement payment table, and if the payment is not paid after exceeding the payment period, generating an overdue interest base number table; (c) if the actual payment amount is 100 and the actual payment mode is not consistent with the contractually agreed payment mode, settling the payment table and generating a interest table, and if the payment is not paid beyond the payment deadline, generating an overdue interest base number table; (d) if the actual payment amount is 100 and the actual payment mode is consistent with the contractually agreed payment mode, a settlement payment table is generated, and if the payment time limit is exceeded and the payment is not carried out, an overdue interest base number table is generated.
On one hand, the invention can effectively ensure the benefit of a supplier through the design of a settlement payment mode; on the other hand, the transaction system which integrates contract, transaction, settlement and bill management as main functions is provided, the online of the traditional supply chain financial transaction is realized, a transaction closed loop is formed, the service management capacity and the data processing capacity of both transaction parties are improved, the working efficiency of both transaction parties is improved, the capital cost of both transaction parties in the trading process is reduced, the problem of insufficient capital of both transaction parties is solved, the capital of stock is kept, the transaction cost of bill conversion is reduced, and the authenticity of the transaction is ensured.
Claims (9)
1. A settlement payment method in the traditional supply chain financial field is characterized by comprising a purchasing party and a supplying party, wherein both trading parties carry out verification after registering users on a trading platform, and the trading parties can use the trading party after activating the users after the verification is finished, and the settlement payment method specifically comprises the following steps:
(1) the two transaction parties set an organization structure, a user level and a role authority according to actual conditions, use a user management module and authorize different subordinate users according to the actual conditions;
(2) the bank credit system receives a credit file of a bank to a purchasing party, and a bank credit module is called to distribute credit amount according to an organization framework set by the purchasing party;
(3) the two transaction parties initiate a contract, and a contract management module is called to provide necessary parameters for subsequent orders, account checking and settlement payment;
(4) after signing of the contract is completed, the purchasing side calls an order processing module, initiates a plan sheet, confirms the issued contract and the corresponding commodity category and quantity, receives the plan sheet by the supplying side after signing is completed, processes the plan sheet, splits the plan sheet, supplies goods in different batches according to actual conditions, confirms the quantity and the price of the current delivery, confirms the order by the purchasing side after signing is completed, generates a delivery sheet by the supplying side after confirmation, completes the current delivery and enters a delivery stage; after the purchasing party receives the batch of goods, signing for the goods, filling the receiving quantity, confirming by the supplier, and completing the order after the supplier confirms;
(5) after the order is finished, the corresponding order is automatically pushed into a reconciliation module and enters a reconciliation calculation table, the reconciliation calculation table has periodicity, the reconciliation date in the contract parameters is periodically taken, when the reconciliation period is not up, the price of the order can be modified by both trading parties, if the price of the order modified by both parties is inconsistent, the system displays red for marking, when the reconciliation period is opened, the reconciliation link is entered, the reconciliation price of the corresponding order is confirmed, when all the price of the order is consistent, the reconciliation is carried out by reviewers of both parties, the reconciliation bill is generated after the reconciliation is passed, and the final amount of the order at the current period is confirmed;
(6) entering a settlement payment link after the account checking is finished, calling a settlement payment module, initiating a settlement application by a supplier, taking a finished statement in a corresponding contract, taking a corresponding statement payment ratio in contract parameters to generate the payment amount of the application, and enabling the settlement application to take effect after a buyer audits the settlement application;
(7) after settlement application is completed, entering a payment link, calling a settlement payment module, paying by a buyer according to a settlement application form, wherein the payment mode is one or more of cash, bank acceptance bills, commercial acceptance bills, receivable accounts and payable accounts, if the payment mode is the commercial acceptance bills, the receivable accounts and the payable accounts, calling a bank credit module to judge whether the credit amount of the buyer bank is sufficient during payment, if so, paying, deducting the credit amount of the buyer bank, finishing the payment, receiving corresponding goods by a supplier, and processing the corresponding bill by a bill management module; if the payment mode is cash and bank acceptance draft, the payment is finished, and the payment condition is written back to the statement in the reconciliation module;
(8) generating a settlement payment table, an overdue interest base table and a subsidence table according to the actual payment condition, auditing by auditors of both parties, writing the audited results into the current account checking calculation table after the audits are passed, and ending the payment completion process; comparing the actual payment mode with the payment mode of the settlement application form, if the actual payment mode is consistent with the payment mode of the settlement application form, finishing payment, generating a settlement payment form, and writing the payment information into the payment part of the current statement; if the payment is inconsistent, completing the payment, generating a settlement payment table, writing the payment condition into a payment part of the current statement, generating a message-attached basis number table for the inconsistent part of the payment amount, and after generating the message-attached basis number table, processing the message by the supplier according to a formula to generate a corresponding total message-attached amount, wherein the formula is as follows: the interest sum refers to the part with inconsistent payment amount, the nominal interest difference refers to the interest difference between an actual payment mode and a payment mode in a settlement application table, the number of invoicing months refers to the cashing period of the actual payment mode, then a corresponding processing mode is selected to process the total interest sum, and the transaction parties complete the calculation of the interest sum tables and place the information into the income part of the current statement bill after the auditing is completed.
2. The method as claimed in claim 1, wherein in step (2), a purchasing end can be responsible for multiple bank credits, and subsequent business operations are performed after the credit limit allocation is completed.
3. The method as claimed in claim 1, wherein in step (3), the contract is signed for payment in a payment mode including a reconciliation period and a settlement period.
4. The method as claimed in claim 1, wherein in step (4), if the supplier has doubt about the quantity of the received goods, the supplier can reject the received goods, after the two parties verify the actual quantity, the buyer re-fills the quantity of the received goods, the supplier confirms the quantity of the received goods to complete the order, the order and the planning sheet are a cyclic process, one contract corresponds to a plurality of planning sheets, one planning sheet corresponds to a plurality of orders, and the order processing module mainly confirms the quantity of the delivered goods and the quantity of the received goods.
5. The method as claimed in claim 1, wherein in step (5), the statement includes an initial amount, a current income, a payment portion and a final amount, wherein the initial amount refers to a last-term final amount, the current income refers to an amount of the current-term reconciliation calculation table, the payment portion refers to an amount of the corresponding settlement payment table, and the final amount is specifically the initial amount plus the current income minus the payment portion.
6. The method as claimed in claim 1, wherein in the step (6), a settlement application form is divided into one or more statement data to generate the amount due according to the payment method of the contract settlement.
7. The method as claimed in claim 1, wherein in the step (7), when the payment method is commercial acceptance bill, receivable account and payable account, the supplier can initiate a bill exchange application to convert the corresponding bill into bank acceptance bill or cash, the bill exchange is successful after receiving the confirmation notice of the bank, the commercial acceptance bill, receivable account and payable account paid by the buyer during payment have a exchange date, when the exchange date expires, the buyer exchanges the bill, and after receiving the exchange notice of the bank, the credit amount deducted from the settlement payment module is recovered, and the credit amount of the bank is recycled.
8. The settlement payment method in the traditional supply chain financial field as claimed in claim 1, wherein in step (8), according to the settlement parameters of the contract, if the amount in the settlement application table exceeds the payment period and is not paid, both parties of the transaction need to pay the overdue interest, a table of the amount of the overdue interest is generated, and according to the payment proportion in the contract, the settlement start date of the corresponding order is calculated as follows: scanning the completed statement of account every day, if the order state in the corresponding statement of account is unpaid and exceeds the initial day of interest counting, generating an overdue interest calculation table corresponding to the order, and adding 1 to the overdue days every day before actual payment; after entering a payment process, judging whether the corresponding statement of account has an overdue interest base number table or not, if the statement of account does not have the overdue interest base number table, finishing payment, generating a settlement payment table, and writing payment information into a payment part of the current statement of account; if the statement of overdue interest has the overdue interest base number table, completing payment, generating a settlement payment table, writing the payment information into the payment part of the current statement of overdue interest, and calculating the overdue interest, wherein the formula for calculating the overdue interest of each order is as follows: and (3) the account checking amount of each order is overdue interest cost and overdue days, then the corresponding processing mode is selected to process the overdue interest, the two trading parties complete the calculation of the overdue interest and place the overdue interest into the income part of the current statement bill after the auditing is completed.
9. The method as claimed in claim 8, wherein in the step (8), the processing mode of the interest is the same as the processing mode of the overdue interest, and the processing modes include three processing modes of single invoicing, compensation mode and current price unit, and only one processing mode can be selected for processing, wherein: the independent invoicing means that after the corresponding total amount of the interest or the overdue interest is calculated, the corresponding total amount of the interest or the overdue interest is directly written into the income part of the current statement bill, and the total amount of the interest or the overdue interest is processed in an independent calculation and invoicing mode; the compensation mode is that the total interest bearing amount or the overdue interest bearing cost of each order corresponding to the overdue interest are calculated, and after the calculation is finished, the orders are written into the statement bill; the current unit price refers to that the total interest or the overdue interest is allocated to the order of normal transaction in the statement of account after the total interest or the overdue interest is calculated, the processing mode is different from the compensation mode, the compensation mode is that the total interest or the overdue interest unit price and the total interest or the overdue interest are generated for the original order and then inserted into the statement of account, and the current unit price refers to that the total interest or the overdue interest is allocated to a new order generated in the normal transaction, so that the unit price of the new order is increased, and the unit price comprises the cost of interest allocation or the cost of overdue interest.
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| CN109636496A (en) * | 2018-10-23 | 2019-04-16 | 中交第二航务工程局有限公司 | Credit and debt management system and management method |
| CN111523870B (en) * | 2019-02-01 | 2023-05-02 | 阿里巴巴集团控股有限公司 | Order data processing method and device and computer equipment |
| CN113554376A (en) * | 2020-04-24 | 2021-10-26 | 四川物软网联科技有限公司 | Transportation order auditing method and system |
| CN112801638B (en) * | 2021-01-19 | 2024-08-16 | 浙江大搜车融资租赁有限公司 | Transaction data processing method, system, computer device and storage medium |
| CN113421082B (en) * | 2021-06-30 | 2023-04-07 | 蚂蚁智信(杭州)信息技术有限公司 | Expense settlement processing method and device |
| CN113689215A (en) * | 2021-09-10 | 2021-11-23 | 平安医疗健康管理股份有限公司 | Tape quantity purchase settlement method, system, computer equipment and storage medium |
| CN117236941B (en) * | 2023-10-09 | 2024-09-17 | 深圳市企企通科技有限公司 | Enterprise grading-based payment settlement method, device, equipment and medium |
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