CN108510385A - A kind of agricultural loan comprehensive business management system - Google Patents
A kind of agricultural loan comprehensive business management system Download PDFInfo
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- CN108510385A CN108510385A CN201810235698.3A CN201810235698A CN108510385A CN 108510385 A CN108510385 A CN 108510385A CN 201810235698 A CN201810235698 A CN 201810235698A CN 108510385 A CN108510385 A CN 108510385A
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- 238000007726 management method Methods 0.000 claims abstract description 83
- 238000012550 audit Methods 0.000 claims abstract description 22
- 239000002689 soil Substances 0.000 claims description 28
- 238000011176 pooling Methods 0.000 claims description 6
- 238000012546 transfer Methods 0.000 claims description 6
- 230000009466 transformation Effects 0.000 claims description 6
- 230000005540 biological transmission Effects 0.000 claims description 5
- 230000001174 ascending effect Effects 0.000 claims description 3
- 230000029305 taxis Effects 0.000 claims description 3
- 238000011161 development Methods 0.000 description 3
- 238000000034 method Methods 0.000 description 2
- 238000007792 addition Methods 0.000 description 1
- 230000009286 beneficial effect Effects 0.000 description 1
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- 238000004519 manufacturing process Methods 0.000 description 1
- 238000012986 modification Methods 0.000 description 1
- 230000004048 modification Effects 0.000 description 1
- 238000002360 preparation method Methods 0.000 description 1
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- G—PHYSICS
- G06—COMPUTING; CALCULATING OR COUNTING
- G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
- G06Q40/00—Finance; Insurance; Tax strategies; Processing of corporate or income taxes
- G06Q40/03—Credit; Loans; Processing thereof
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- G—PHYSICS
- G06—COMPUTING; CALCULATING OR COUNTING
- G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
- G06Q50/00—Information and communication technology [ICT] specially adapted for implementation of business processes of specific business sectors, e.g. utilities or tourism
- G06Q50/02—Agriculture; Fishing; Forestry; Mining
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Abstract
The present invention discloses a kind of agricultural loan comprehensive business management system, including input module of filing, audit statistical module and Cloud Server；Input module of filing is used to carry out essential information to the agriculture management main body that need to provide a loan to fill in, and the essential information after will fill in is uploaded to audit statistical module；Audit statistical module counts the essential information of reception, to count the profit ratio and land status set of each agriculture management main body, and it is sent to Cloud Server, Cloud Server calculates the corresponding profit of each agriculture management main body than set and land status set, obtains the amount coefficient and loan limit of each agriculture management main body.The present invention counts the essential information of each agriculture management main body by auditing statistical module, and the amount coefficient and loan limit of each agriculture management main body are calculated in conjunction with Cloud Server, so that agriculture management main body carries out the loan of corresponding amount according to management state, the complexity for reducing credit risk and loan, promotes efficiently using for agricultural resource.
Description
Technical field
The invention belongs to loan administration technical fields, are related to a kind of agricultural loan comprehensive business management system.
Background technology
China's agricultural be in traditional agriculture to modern agriculture, from planned economy to the transformation of market economy among, agricultural
The characteristics of development, is mainly manifested in：First, in terms of supplier, Agriculture production and management is based on the smallholder that disperses；Second, from need
The side of asking sees that the supply of agricultural product cannot meet the consumption demand of town dweller.
City is gradually moved towards with the raising and rural area personnel of living standards of the people so that agricultural cannot be sent out very well
Exhibition promotes peasant household's developing agricultural to develop the Agricultural Characteristics of each department, and country promotes the development of agricultural, but developing agricultural
During there are bankroll problem, currently, agricultural during being provided a loan, exists, loan is complicated, examination ＆ approval are difficult and borrows
The low problem of amount of money degree so that peasant household can not obtain agricultural loan in time, seriously hinder agricultural development.
Invention content
The purpose of the present invention is to provide a kind of agricultural loan comprehensive business management systems, solve existing agricultural loan
There is a problem of that loan is complicated, examination ＆ approval are difficult and loan limit is low in the process.
The purpose of the present invention can be achieved through the following technical solutions：
A kind of agricultural loan comprehensive business management system, including input module of filing, audit statistical module and Cloud Server；
Input module of filing is connect with audit statistical module, and audit statistical module is connect with Cloud Server；
The input module of filing is filled in for carrying out essential information to the agriculture management main body that need to provide a loan, and after will fill in
Essential information be uploaded to audit statistical module；
The essential information of each agriculture management main body of the audit statistical module for receiving input module transmission of filing is right
The essential information of reception is counted, and counts the profit ratio that total profit in each agriculture management main body accounts for total assets, will
The profit arrived is sent to Cloud Server than set B (b1, b2 ..., bk ..., bn), and by profit than constituting profit than set B,
Wherein, bk is expressed as the corresponding profit ratio of k-th of agriculture management main body；And to the land status corresponding to each agriculture management main body
Compared one by one, the land status after comparison quantified, obtain land status set C (c1, c2 ...,
Ck ... ..., cn), and land status set C is sent to Cloud Server, wherein ck is expressed as k-th of agriculture management main body
Corresponding land status, a kind of weighted value in ck g1, g2, g3, g4, g5, g6；
The Cloud Server is used to receive the corresponding profit ratio set B of each agriculture management main body that audit statistical module is sent
With land status set C, and the amount according to the profit of agriculture management main body than calculating each agriculture management main body with land status
Coefficient, and the corresponding loan limit of agriculture management main body is obtained according to amount coefficient.
Further, the essential information includes kinsfolk, the property of management body, land area, land transformation feelings
Condition, operation life and condition of assets；The property of the management body includes professional rich and influential family, home farm, peasant cooperative society and agriculture
Industry leading enterprise；The condition of assets includes total assets, business sales, total value of paying taxes, total profit and total liabilities, to agriculture
The condition of assets of village's management body is divided, and is ranked up according to total assets size to agriculture management main body, and to assets
The identical rural area management body of total value is ranked up according to the ascending sequence of total liabilities, obtains management body set A
(a1, a2 ..., ak ... ..., an), ak is expressed as k-th of agriculture management main body.
Further, the land transformation situation include soil subcontract, land transfer, pooling of land, soil cooperation, soil
Lease, soil exchange, and the circulation situation in soil is different, are subcontracted by soil, land transfer, pooling of land, soil cooperation, soil are rented
It is 1,2,3,4,5,6 that the property exchanged with soil of renting, which is ranked up number consecutively, and the weight shared by different land status is not yet
Together, g1, g2, g3, g4, g5 and g6, and g1+g2+g3+g4+g5+g6=1 are corresponded to respectively.
Further, the amount coefficient isWherein, β is expressed as fixed coefficient, takes 1.218.
Further, the loan limit Wk=Pk*Qk, wherein PkIt is expressed as k-th of agriculture management main body business sales.
Beneficial effects of the present invention：
Loan comprehensive business management system provided by the invention, by auditing statistical module to being inputted in input module of filing
The essential information of agriculture management main body counted, and in conjunction with Cloud Server calculate each agriculture management main body amount coefficient and
Loan limit so that agriculture management main body carries out the loan of corresponding amount according to management state, reduces credit risk and loan
Complexity promotes efficiently using for agricultural resource.
Description of the drawings
In order to illustrate the technical solution of the embodiments of the present invention more clearly, will be described below to embodiment required
Attached drawing is briefly described, it should be apparent that, drawings in the following description are only some embodiments of the invention, for ability
For the those of ordinary skill of domain, without creative efforts, it can also be obtained according to these attached drawings other attached
Figure.
Fig. 1 is a kind of schematic diagram of agricultural loan comprehensive business management system of the present invention.
Specific implementation mode
Following will be combined with the drawings in the embodiments of the present invention, and technical solution in the embodiment of the present invention carries out clear, complete
Site preparation describes, it is clear that described embodiments are only a part of the embodiments of the present invention, instead of all the embodiments.It is based on
Embodiment in the present invention, those of ordinary skill in the art are obtained all other without creative efforts
Embodiment shall fall within the protection scope of the present invention.
Refering to Figure 1, the present invention is a kind of agricultural loan comprehensive business management system, including input module of filing,
Audit statistical module and Cloud Server；Input module of filing is connect with audit statistical module, audits statistical module and Cloud Server
Connection；
Input module of filing is used to carry out essential information to the agriculture management main body that need to provide a loan to fill in, and the base after will fill in
This information is uploaded to audit statistical module；The essential information includes kinsfolk, the property of management body, land area, soil
Ground circulation situation, operation life and condition of assets；The property of the management body includes professional rich and influential family, home farm, Nong Minhe
Make society and Agricultural Leading Enterprises, the land transformation situation include soil subcontract, land transfer, pooling of land, soil cooperation, soil
Ground lease, soil exchange etc., different according to the circulation situation in soil, are subcontracted by soil, land transfer, pooling of land, soil close
It is 1,2,3,4,5,6 that the property that work, land lease and soil exchange, which is ranked up number consecutively, and shared by different land status
Weight is also different, corresponds to g1, g2, g3, g4, g5 and g6, and g1+g2+g3+g4+g5+g6=1 respectively；Condition of assets includes money
Total value, business sales, total value of paying taxes, total profit and total liabilities etc. are produced, the condition of assets of rural area management body is drawn
Point, agriculture management main body is ranked up according to total assets size, and to the identical rural area management body of total assets according to
The ascending sequence of total liabilities is ranked up, and obtains management body set A (a1, a2 ..., ak ... ..., an), ak
It is expressed as k-th of agriculture management main body；
The essential information of each agriculture management main body of the audit statistical module for receiving input module transmission of filing, to receiving
Essential information counted, and the profit ratio that total profit in each agriculture management main body accounts for total assets is counted, by what is obtained
Profit is sent to Cloud Server than set B (b1, b2 ..., bk ..., bn), and by profit than constituting profit than set B,
In, bk is expressed as the corresponding profit ratio of k-th of agriculture management main body；
Audit statistical module compares the land status corresponding to each agriculture management main body one by one, and will be after comparison
Land status is quantified, and obtains land status set C (c1, c2 ..., ck ... ..., cn), and by land status set C
Be sent to Cloud Server, wherein ck is expressed as the corresponding land status of k-th of agriculture management main body, ck g1, g2, g3, g4,
A kind of weighted value in g5, g6.
Cloud Server is used to receive the corresponding profit of each agriculture management main body of audit statistical module transmission than set B and soil
Ground property set C, and the amount coefficient according to the profit of agriculture management main body than calculating each agriculture management main body with land status,
The amount coefficient isCorresponding loan limit W is obtained according to amount coefficientk=Pk*Qk, wherein β tables
It is shown as fixed coefficient, takes 1.218, PkIt is expressed as k-th of agriculture management main body business sales.
Loan comprehensive business management system provided by the invention, by auditing statistical module to being inputted in input module of filing
The essential information of agriculture management main body counted, and in conjunction with Cloud Server calculate each agriculture management main body amount coefficient and
Loan limit so that agriculture management main body carries out the loan of corresponding amount according to management state, reduces credit risk and loan
Complexity promotes efficiently using for agricultural resource.
The above content is just an example and description of the concept of the present invention, affiliated those skilled in the art
It makes various modifications or additions to the described embodiments or substitutes by a similar method, without departing from invention
Design or beyond the scope defined by this claim, be within the scope of protection of the invention.
Claims (5)
1. a kind of agricultural loan comprehensive business management system, it is characterised in that：Including input module of filing, audit statistical module and
Cloud Server；Input module of filing is connect with audit statistical module, and audit statistical module is connect with Cloud Server；
The input module of filing is filled in for carrying out essential information to the agriculture management main body that need to provide a loan, and the base after will fill in
This information is uploaded to audit statistical module；
The essential information of each agriculture management main body of the audit statistical module for receiving input module transmission of filing, to receiving
Essential information counted, and the profit ratio that total profit in each agriculture management main body accounts for total assets is counted, by what is obtained
Profit is sent to Cloud Server than set B (b1, b2 ..., bk ..., bn), and by profit than constituting profit than set B,
In, bk is expressed as the corresponding profit ratio of k-th of agriculture management main body；And to the land status corresponding to each agriculture management main body into
Row compare one by one, the land status after comparison is quantified, obtain land status set C (c1, c2 ..., ck ... ...,
Cn), and by land status set C it is sent to Cloud Server, wherein ck is expressed as the corresponding soil of k-th of agriculture management main body
Property, a kind of weighted value in ck g1, g2, g3, g4, g5, g6；
The Cloud Server is used to receive the corresponding profit of each agriculture management main body of audit statistical module transmission than set B and soil
Ground property set C, and the amount coefficient according to the profit of agriculture management main body than calculating each agriculture management main body with land status,
And the corresponding loan limit of agriculture management main body is obtained according to amount coefficient.
2. a kind of agricultural loan comprehensive business management system according to claim 1, it is characterised in that：The essential information
Including kinsfolk, the property of management body, land area, land transformation situation, operation life and condition of assets；The operation
The property of main body includes professional rich and influential family, home farm, peasant cooperative society and Agricultural Leading Enterprises；The condition of assets includes assets
Total value, business sales, total value of paying taxes, total profit and total liabilities, divide the condition of assets of rural area management body, right
Agriculture management main body is ranked up according to total assets size, and total according to being in debt to the identical rural area management body of total assets
The ascending sequence of volume is ranked up, and obtains management body set A (a1, a2 ..., ak ... ..., an), ak is expressed as
K-th of agriculture management main body.
3. a kind of agricultural loan comprehensive business management system according to claim 2, it is characterised in that：The land transformation
Situation include soil subcontract, land transfer, pooling of land, soil cooperation, land lease, soil exchange, the circulation situation in soil
Difference, subcontracted by soil, land transfer, pooling of land, soil cooperation, land lease and soil exchange property be ranked up according to
Secondary number is 1,2,3,4,5,6, and the weight shared by different land status is also different, corresponds to g1, g2, g3 respectively, g4, g5 and
G6, and g1+g2+g3+g4+g5+g6=1.
4. a kind of agricultural loan comprehensive business management system according to claim 1, it is characterised in that：The amount coefficient
ForWherein, β is expressed as fixed coefficient, takes 1.218.
5. a kind of agricultural loan comprehensive business management system according to claim 1, it is characterised in that：The loan limit
Wk=Pk*Qk, wherein PkIt is expressed as k-th of agriculture management main body business sales.
Priority Applications (1)
| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| CN201810235698.3A CN108510385A (en) | 2018-03-21 | 2018-03-21 | A kind of agricultural loan comprehensive business management system |
Applications Claiming Priority (1)
| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| CN201810235698.3A CN108510385A (en) | 2018-03-21 | 2018-03-21 | A kind of agricultural loan comprehensive business management system |
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| Publication Number | Publication Date |
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| CN108510385A true CN108510385A (en) | 2018-09-07 |
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| CN201810235698.3A Pending CN108510385A (en) | 2018-03-21 | 2018-03-21 | A kind of agricultural loan comprehensive business management system |
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Cited By (4)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| CN111369152A (en) * | 2020-03-06 | 2020-07-03 | 深圳前海微众银行股份有限公司 | Agricultural land value evaluation optimization method, device and equipment and readable storage medium |
| CN111507833A (en) * | 2020-06-30 | 2020-08-07 | 浙江网商银行股份有限公司 | Credit limit processing method and device and crop identification method and device |
| CN111798305A (en) * | 2020-07-08 | 2020-10-20 | 中国建设银行股份有限公司 | Agricultural loan admission evaluation method, device, equipment and storage medium |
| CN112651827A (en) * | 2020-12-31 | 2021-04-13 | 中国建设银行股份有限公司 | Method, device, equipment and storage medium for determining credit limit |
Citations (3)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| CN105303445A (en) * | 2015-11-04 | 2016-02-03 | 中国农业大学 | Agricultural investment and financing platform risk evaluation apparatus and system |
| CN107451926A (en) * | 2017-07-18 | 2017-12-08 | 福农宝（厦门）大数据科技有限公司 | It is a kind of that agricultural loan money platform is helped based on big data |
| CN107563936A (en) * | 2017-09-04 | 2018-01-09 | 湖北地信科技集团股份有限公司 | A kind of rural area assets comprehensive management platform |
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2018
- 2018-03-21 CN CN201810235698.3A patent/CN108510385A/en active Pending
Patent Citations (3)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| CN105303445A (en) * | 2015-11-04 | 2016-02-03 | 中国农业大学 | Agricultural investment and financing platform risk evaluation apparatus and system |
| CN107451926A (en) * | 2017-07-18 | 2017-12-08 | 福农宝（厦门）大数据科技有限公司 | It is a kind of that agricultural loan money platform is helped based on big data |
| CN107563936A (en) * | 2017-09-04 | 2018-01-09 | 湖北地信科技集团股份有限公司 | A kind of rural area assets comprehensive management platform |
Cited By (5)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| CN111369152A (en) * | 2020-03-06 | 2020-07-03 | 深圳前海微众银行股份有限公司 | Agricultural land value evaluation optimization method, device and equipment and readable storage medium |
| CN111507833A (en) * | 2020-06-30 | 2020-08-07 | 浙江网商银行股份有限公司 | Credit limit processing method and device and crop identification method and device |
| WO2022001811A1 (en) * | 2020-06-30 | 2022-01-06 | 浙江网商银行股份有限公司 | Credit line processing method and device, and crop identification method and device |
| CN111798305A (en) * | 2020-07-08 | 2020-10-20 | 中国建设银行股份有限公司 | Agricultural loan admission evaluation method, device, equipment and storage medium |
| CN112651827A (en) * | 2020-12-31 | 2021-04-13 | 中国建设银行股份有限公司 | Method, device, equipment and storage medium for determining credit limit |
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Application publication date: 20180907 |