CN109508947A - A kind of electric contract operation method and system based on credit system - Google Patents
A kind of electric contract operation method and system based on credit system Download PDFInfo
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- CN109508947A CN109508947A CN201810943689.XA CN201810943689A CN109508947A CN 109508947 A CN109508947 A CN 109508947A CN 201810943689 A CN201810943689 A CN 201810943689A CN 109508947 A CN109508947 A CN 109508947A
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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
- G06Q10/00—Administration; Management
- G06Q10/10—Office automation; Time management
Abstract
The electric contract operation method and system based on credit system that the present invention provides a kind of, after establishing mutual electronic contract relationship between at least two Target Enterprises, the fulfillment information of electronic contract is obtained according to the specified period, then it reads in fulfillment information and fulfils result, if fulfiling in result, there are delinquent parties, it then generates promise breaking information and pushes to all enterprises ends for currently all establishing electronic contract relationship with delinquent party, the result of fulfiling finally is imported into reference model, the current reference reference data of the Target Enterprise is updated.The present invention is in such a way that the situation that will honour an agreement is included in collage-credit data and notifies and shows to partner, achieve the purpose that the enthusiasm for promoting enterprise to fulfil electronic contract, it breaks a contract to enterprise and not positive performance of the contract behavior carries out operative constraint, the important parameter that result of honouring an agreement is calculated as reference model, keep the reference reference data for finally obtaining enterprise more reliable, more reference value.
Description
[technical field]
The present invention relates to technical field of electronic commerce more particularly to a kind of electric contract operation methods based on credit system
And system.
[background technique]
With the development of internet and constantly universal, more and more commodity begin through network and trade.In recent years,
The rapid development of e-commerce receives the common concern of international community, and e-commerce incorporates people's lives comprehensively.And
Electronic contract is then basis and the core of e-commerce, and since its convenience is rapidly developed, electronic contract refers to that contract is worked as
The contract that thing people is worked out by electronic data interchange or Email, Digital Realization be user by related data from oneself
Computer information system be transmitted to the computer information system in relation to counterparty, the digital certificate approved as a kind of each side
Process.
But existing electronic contract lacks supervision in implementation procedure, guarantee is unable to get when there is dispute, especially
Penny ante, delinquent party's penalty cost is low, and aggrieved Party right-safeguarding enthusiasm is small and right-safeguarding is difficult, is unfavorable for the development of e-commerce.
Therefore, electronic contract needs that matched security system is relied on to realize cooperative development.
[summary of the invention]
In view of this, the embodiment of the invention provides a kind of electric contract operation method and system based on credit system.
On the one hand, the present invention provides the electric contract operation methods based on credit system, which comprises
After establishing mutual electronic contract relationship between at least two Target Enterprises, electronics is obtained according to the specified period and is closed
Same fulfillment information；
Fulfiling in fulfillment information is read as a result, generating information of breaking a contract if fulfiling in result there are delinquent party and pushing to
All enterprises ends of electronic contract relationship are currently all established with delinquent party；
The result of fulfiling is imported into reference model, the current reference reference data of the Target Enterprise is updated.
As a kind of preferred embodiment of the application, the method also includes:
The collage-credit data for receiving requesting party transfers request, and the collage-credit data of enterprise to be transferred is pushed to requesting party.
As a kind of preferred embodiment of the application, the method also includes:
According to the affiliated type of Target Enterprise, the reference initial data of the Target Enterprise is obtained from data source unit；
The reference initial data is pre-processed, obtains calculating data for the reference of reference；
The reference model for calculating data according to the reference and constructing in advance, obtains the reference reference number of the Target Enterprise
According to.
It is described that the reference initial data is pre-processed as a kind of preferred embodiment of the application, it is used
Data are calculated in the reference of reference, are specifically included:
According to the source of reference initial data, configures corresponding Resource TOC template and reference initial data is handled
Afterwards, primary cleaning duplicate removal is carried out to obtain the first preprocessed data；
After first preprocessed data is synchronized to designated position, secondary cleaning duplicate removal is carried out to obtain the second pretreatment
Data；
According to default classifying rules by second preprocessed data into classification, obtain calculating number for the reference of reference
According to.
As a kind of preferred embodiment of the application, according to default classifying rules by second preprocessed data into point
Class specifically includes:
If second preprocessed data does not detect to repeat in specified database, the second preprocessed data is stored
In the specified database；
If second preprocessed data detects to repeat in specified database, gone out respectively by preset formula calculating
The comprehensive weight of second preprocessed data and repeated data, and calculate the difference of the two comprehensive weight；
When difference is greater than preset threshold, then the update that the specified database carries out corresponding data is triggered；
When difference is not more than preset threshold, then artificial process instruction is sent.
On the other hand, present invention also provides a kind of electronic contract operation system based on credit system, the system packets
It includes:
First acquisition unit, for after establishing mutual electronic contract relationship between at least two Target Enterprises, according to
The specified period obtains the fulfillment information of electronic contract；
Processing unit, for read fulfiling in fulfillment information as a result, and when fulfiling in result there are delinquent party, it is raw
All enterprises ends that electronic contract relationship is currently all established with delinquent party are pushed at promise breaking information；
Updating unit refers to the current reference of the Target Enterprise for the result of fulfiling to be imported reference model
Data are updated.
As a kind of preferred embodiment of the application, the system also includes:
Push unit, the collage-credit data for receiving requesting party transfer request, and the collage-credit data of enterprise to be transferred is pushed
To requesting party.
As a kind of preferred embodiment of the application, the system also includes:
Second acquisition unit, for obtaining the Target Enterprise from data source unit according to the affiliated type of Target Enterprise
Reference initial data；
Pretreatment unit obtains calculating number for the reference of reference for pre-processing the reference initial data
According to；
Computing module unit, the reference model for calculating data according to the reference and constructing in advance, obtains the mesh
Mark the reference reference data of enterprise.
As a kind of preferred embodiment of the application, the pretreatment unit is specifically included:
It is original to reference to configure corresponding Resource TOC template for the source according to reference initial data for configuration module
After data are handled, primary cleaning duplicate removal is carried out to obtain the first preprocessed data；
Synchronization module, after first preprocessed data is synchronized to designated position, carry out secondary cleaning duplicate removal with
Obtain the second preprocessed data；
Categorization module, for obtaining for reference according to classifying rules is preset by second preprocessed data into classification
Reference calculate data.
As a kind of preferred embodiment of the application, the categorization module is specifically used for:
If second preprocessed data does not detect to repeat in specified database, the second preprocessed data is stored
In the specified database；
If second preprocessed data detects to repeat in specified database, gone out respectively by preset formula calculating
The comprehensive weight of second preprocessed data and repeated data, and calculate the difference of the two comprehensive weight；
When difference is greater than preset threshold, then the update that the specified database carries out corresponding data is triggered；
When difference is not more than preset threshold, then artificial process instruction is sent.
A technical solution in above-mentioned technical proposal has the following beneficial effects:
The electric contract operation method and system based on credit system that the embodiment of the invention provides a kind of, by that will honour an agreement
The mode that situation is included in collage-credit data and is notified and shown to partner reaches and enterprise is promoted to fulfil the positive of electronic contract
Property purpose, break a contract to enterprise and positive performance of the contract behavior do not carry out operative constraint, the result that will honour an agreement is as reference model meter
The important parameter of calculation keeps the reference reference data for finally obtaining enterprise more reliable, more reference value.
[Detailed description of the invention]
In order to illustrate the technical solution of the embodiments of the present invention more clearly, below will be to needed in the embodiment attached
Figure is briefly described, it should be apparent that, drawings in the following description are only some embodiments of the invention, for this field
For those of ordinary skill, without any creative labor, it can also be obtained according to these attached drawings other attached
Figure.
Fig. 1 is a kind of process signal of the electric contract operation method provided in an embodiment of the present invention based on credit system
Figure；
Fig. 2 is a kind of flow diagram of reference original data processing provided in an embodiment of the present invention；
Fig. 3 is a kind of flow diagram that reference initial data provided in an embodiment of the present invention obtains；
Fig. 4 is the schematic illustration of data flow provided in an embodiment of the present invention；
Fig. 5 is the schematic illustration of data cleansing duplicate removal provided in an embodiment of the present invention；
Fig. 6 is a kind of frame signal of the electronic contract operation system provided in an embodiment of the present invention based on credit system
Figure.
[specific embodiment]
For a better understanding of the technical solution of the present invention, being retouched in detail to the embodiment of the present invention with reference to the accompanying drawing
It states.
It will be appreciated that described embodiments are only a part of the embodiments of the present invention, instead of all the embodiments.Base
Embodiment in the present invention, it is obtained by those of ordinary skill in the art without making creative efforts it is all its
Its embodiment, shall fall within the protection scope of the present invention.
The term used in embodiments of the present invention is only to be not intended to be limiting merely for for the purpose of describing particular embodiments
The present invention.In the embodiment of the present invention and the "an" of singular used in the attached claims, " described " and "the"
It is also intended to including most forms, unless the context clearly indicates other meaning.
It should be appreciated that term "and/or" used herein is only a kind of incidence relation for describing affiliated partner, indicate
There may be three kinds of relationships, for example, A and/or B, can indicate: individualism A, exist simultaneously A and B, individualism B these three
Situation.In addition, character "/" herein, typicallys represent the relationship that forward-backward correlation object is a kind of "or".
Depending on context, word as used in this " if " can be construed to " ... when " or " when ...
When " or " in response to determination " or " in response to detection ".Similarly, depend on context, phrase " if it is determined that " or " if detection
(condition or event of statement) " can be construed to " when determining " or " in response to determination " or " when the detection (condition of statement
Or event) when " or " in response to detection (condition or event of statement) ".
Lack supervision for the electronic contract implementation procedure in the presence of the prior art, by the nothing of delinquent party when there is dispute
Method obtains the technical problems such as effective guarantee, the electric contract operation method based on credit system that the present invention provides a kind of and is
System.
Under the guidance of the thinking, the embodiment of the invention provides following feasible embodiments.
The electric contract operation method based on credit system that the embodiment of the invention provides a kind of, referring to FIG. 1, it is this
A kind of flow diagram of electric contract operation method based on credit system provided by inventive embodiments, as shown, institute
The method of stating includes:
Step S101, after establishing mutual electronic contract relationship between at least two Target Enterprises, according to the specified period
Obtain the fulfillment information of electronic contract.
Specifically, obtaining electronics according to the specified period after establishing mutual electronic contract relationship between Target Enterprise
Performance of contract information, wherein fulfillment information is after being uploaded by Target Enterprise, then the data information after being audited by platform.
It should be noted that the collage-credit data for receiving requesting party transfers request, the collage-credit data of enterprise to be transferred is pushed
To requesting party.
Specifically, the collage-credit data of Target Enterprise is transferred, to request when system receives the Target Enterprise mark of requesting party
Side is shown, the including but not limited to unified social credibility code of Target Enterprise mark, enterprise's font size etc., identified above to be used as mesh
The feature for marking enterprise, can be used for distinguishing different enterprises.The collage-credit data of Target Enterprise, which can be used as, establishes electronics between enterprise
Important referential data before contract reflects the various dimensions situation such as scale, research and development ability, contractual capacity of enterprise.
Step S102 reads fulfiling in fulfillment information as a result, generating letter of breaking a contract if fulfiling in result there are delinquent party
Breath pushes to all enterprises ends that electronic contract relationship is currently all established with delinquent party.
Specifically, there may be multiple partners for signing electronic contract before enterprise, if the enterprise and one of enterprise
Industry generates violations, will be sent to all units cooperated with the said firm in form of a message in the violations to show
It is alert, achieve the purpose that honour an agreement to enterprise in the above manner to constrain.
The result of fulfiling is imported reference model, to the current reference reference data of the Target Enterprise by step S103
It is updated.
Specifically, fulfiling result as one of reference model important parameter, reference model is imported by the way that result will be fulfiled, it is right
The current reference reference data of Target Enterprise is updated, to ensure that the timeliness of reference reference data.
Referring to FIG. 2, method provided in this embodiment further includes reference original data processing step, it is specific as follows:
Step S201, according to the affiliated type of Target Enterprise, the reference for obtaining the Target Enterprise from data source unit is original
Data.
It should be noted that the present embodiment uses the crawler system based on go language development, the target on internet is looked forward to
The data information of industry is crawled, and the data area crawled is to be greater than final calculating data, so needing to crawling
Data are further cleaned duplicate removal.Wherein, reference initial data include enterprise's essential information data, enterprise it is each committee do
Office's information data, enterprise's publicity information data, enterprise punish information data, the black list Information Number of enterprise's honor roll information data and enterprise
According to.Specifically referring to FIG. 3, Fig. 3 gives a kind of flow diagram that reference initial data obtains.
Step S202 pre-processes the reference initial data, obtains calculating data for the reference of reference.
Specifically, because the data that crawl are excessively numerous and jumbled, how from data needed for reference in screening in the data crawled,
It is particularly important for reducing calculation amount and improving the reliability of reference result.Therefore propose following methods to step S202
In preprocessing process refined:
Step S202a, according to the source of reference initial data, corresponding Resource TOC template is configured to reference initial data
After being handled, primary cleaning duplicate removal is carried out to obtain the first preprocessed data；
Because Target Enterprise is divided as unit of institute possession, the data source header of the Target Enterprise in identical institute possession
Substantially identical, so the format of reference initial data is also essentially identical, therefore affiliated data source template library can be with institute possession
It is built for unit, specific aim screening can be carried out to reference initial data by Resource TOC template in this way, it is possible to reduce number
According to the workload of acquisition.
Data acquisition can be handled based on following Three models:
1) mode manually, reported using artificial data, upper transmitting file are parsed, and specified data are stored in after being parsed
In library；
2) it needs to carry out to use api interface and data source active mating when data acquisition；
3) it is directly got through with data source, real-time automatic collecting corresponding data.
The purpose once cleaned is to filter out the first valid data by the first preset rules (to meet ownership place Policy Conditions
Data), and carry out repeat screening, filter out with data content duplicate in database because ownership place difference policy exist
Difference, so the first preset rules are adjusted according to ownership place Policy Difference.
Step S202b, after first preprocessed data being synchronized to designated position, secondary cleaning duplicate removal is carried out to obtain
Second preprocessed data；
The purpose of secondary cleaning is legal to the first valid data progress further screening second by the second preset rules
Data (data for meeting reference model requirements) filter out and data content duplicate in database.
Step S202c, according to classifying rules is preset by second preprocessed data into classification, the sign for reference is obtained
Letter calculates data.
Wherein, step S202c can be refined as following steps:
If 1) second preprocessed data does not detect to repeat in specified database, the second preprocessed data is deposited
It is stored in the specified database；
If 2) second preprocessed data detects to repeat in specified database, is calculated and distinguished by preset formula
The comprehensive weight of second preprocessed data and repeated data out, and calculate the difference of the two comprehensive weight；
3) when difference is greater than preset threshold, then the update that the specified database carries out corresponding data is triggered；
4) when difference is not more than preset threshold, then artificial process instruction is sent.
It should be noted that then the data are direct when repetition is not detected in specified database in the second preprocessed data
Storage, if it is detected that the comprehensive weight of the data is calculated by data source, data time and data dimension when repeating, if
When the difference of itself and repeated data in library is more than preset threshold, then update is triggered, if be less than preset threshold, PUSH message is logical
Know that manpower intervention is handled.Fig. 4 and Fig. 5 are specifically please referred to, Fig. 4 is that a kind of principle of data flow provided in an embodiment of the present invention is shown
It is intended to, Fig. 5 is a kind of schematic illustration of data cleansing duplicate removal provided in an embodiment of the present invention.
Step S203, the reference model for calculating data according to the reference and constructing in advance, obtains the Target Enterprise
Reference reference data.
Reference model is illustrated below by citing.
One, external environment (4 points)
1, Policy Background (1 point)
A, Industry Policy (flexible strategy 0.5)
Government supports attitude and dynamics to industry, if belongs to country and encourages development, first develops industry, non-limiting hair
Exhibition, it is non-forbid develop industry.
B, Zone-Policy (flexible strategy 0.5)
Local government accordingly encourages supporting dynamics and measure, if first develops for place, encourages to develop industry.
2, industry background (2 points)
A, industry period (flexible strategy 1)
Become according to rate of gross profit, rate of gross profit growth rate, sales growth rate and management stability, entry and exit barrier, technology
Leather etc. judges that industry is in budding period, growth stage, maturity period or decline phase.
B, degree of contention (flexible strategy 0.5)
Technology, fund, policy barrier, enterprise inside the circle's quantity and concentration degree, industry are influenced by upstream and downstream.
C, economic environment (flexible strategy 0.5)
The economic environment and development trend situation in Main Management region.
3, development prospect (1 point)
A, enterprise operation development strategy (flexible strategy 0.5)
The science and performance of strategy.
B, risk and uncertain factor determine (flexible strategy 0.5)
The influence of Macro-economic situation, industrial policy, industrial characteristic, the market demand, growing quality and the ability to ward off risks.
Two, management state (7 points)
1, it manages basic (0.3 point)
A, the scope of business (flexible strategy 0.1)
Other related service contents managed, operation meet client's desirability and business complete independently ability.
B, scale of operation (flexible strategy 0.1)
Scale of operation and networking degree, branch set up region and quantity, to the management level of branch
C, facilities and equipment (flexible strategy 0.1)
Related to business own and leasing management assets, facilities and equipment are possessed, conserve situation, and whether asset acquisition plan
Development plan with enterprise is adapted.
2, competitiveness (6 points)
A, technical strength (flexible strategy 0.5)
Research funding puts into situation and enterprise's scientific achievement, patent, proprietary technology etc..
B, professional standards (flexible strategy 0.5)
It is exclusive from wound technology, copyright to obtain qualification, independent intellectual property right, non-patent that the relevant departments such as government issue
Possess situation.
C, product popularity (flexible strategy 2)
Industry or regional influence: position in industry, staple market region, enterprise's public image；(flexible strategy 1)
Ability is occupied in market: enterprise market share occupation rate, and registered trademark, obtains well-known trademark title at national freed-from-inspection product
And famous mark title etc. obtains situation.(flexible strategy 1)
D, intention and designed capacity (flexible strategy 0.5)
The personnel of design team and quality situation, company are in the investment of design aspect, undertaking project or the execution of service.
E, with upstream and downstream firms relationship (flexible strategy 0.5)
With main upstream and downstream firms cooperation and stability, bargaining power and independence, capital settlement mode of coming and going etc..
F, marketing ability (flexible strategy 0.5)
Marketing strategy and main marketing method, marketing plan solution formulation and implementation dynamics, marketing performance situation.
G, innovation ability (flexible strategy 0.5)
Design, transformation, business scope expand etc. products & services innovation ability, sole duty investigation research and development department and
Personnel depaly situation.
H, management advantage (flexible strategy 0.5)
Management advantage existing for the purchasing of raw materials, cost control, sales network etc..
I, the level of informatization (flexible strategy 0.5)
The utilization degree of information technology, including electronic commerce network, the IT application of service, office automation management degree etc..
3, management stability (0.5 point)
A, time (flexible strategy 0.1) are managed
Management stability is investigated according to enterprise operation time limit length in conjunction with the industry.
B, employee's stability (flexible strategy 0.1)
Total number of persons and personnel's replacement frequency (paying social security list with reference to enterprise), high spot reviews company more than middle layer manages
The stability of the Key Personnels such as administrative staff, technical backbone.
C, service stability (flexible strategy 0.1)
Business source and client's stability, concentration degree, supply and marketing smooth channel, nearly three annual sales amounts situation of change.
D, growth (flexible strategy 0.1)
In conjunction with nearly product development in 3 years or the investigations project such as manage timetable.
E, credit extending channel (flexible strategy 0.1)
Shareholder's strength, credit extending channel and diversification investigate the sustainability of Innovation Input and operate the abundant intensity of fund.
4, specialized capability (biological medicine research and development sub-industry) (0.2 point)
A, link (flexible strategy 0.05) are researched and developed
Investigate link locating for research and development of products (research and development early period, zoopery, phase clinical examination, the second stage of clinical examination, three phases
Clinical examination, pilot scale stage, commercialization stage), prejudge the research and development of products probability of success and risk.
B, product category (flexible strategy 0.1)
Research and development product category is investigated, examines complexity before anticipation research and development value of the product and launch.
C, strength (flexible strategy 0.05) are researched and developed
In conjunction with R&D team's educational background, project is undertaken, quality of publishing an article, quantity etc. investigate R&D team's strength.
Three, management condition (9 points)
1, human resources (3 points)
A, equity situation (flexible strategy 0.5)
Whether equity is clear in recent years, stablizes, and following whether there is or not major changes.
B, senior executive's quality
Education level: management level educational background situation；(flexible strategy 0.5)
Working experience: main management level are in same industry working experience, practicing time, managerial experiences, business performance and correlation
Social background；(flexible strategy 1)
Personal credit: the main nearly 3 years personal credits of management level such as legal representative, general manager record situation (personal credit
Report or personal credit scoring, external information understand), Credit Consciousness.(flexible strategy 0.5)
C, practitioner's quality (flexible strategy 0.5)
R&D team's scale, composition, educational background, experience, practicing time, Credit Consciousness.
2, management (6 points)
A, organizational structure (flexible strategy 0.5)
The division of authority & responsibility and constraint of management level are reasonable with evaluation mechanism, Major Function department, enterprise and the setting of post power and responsibility
Property, clarity and integrity.
B, management system construction and implementation (flexible strategy 0.5)
Management system is perfect, implementation of conditions.
A, project management (flexible strategy 0.5)
Project management level situation quality is carried out by country, Industry Policy or standard and enterprise internal management system.
C, credit management
Credit administration system executive condition, enterprise credit management Row control；(flexible strategy 1)
Credit management system is formulated and executive condition, mainly investigates contract management, receivable management, client supplier pipe
Reason and business standing Files Building situation.(flexible strategy 1)
D, quality management (flexible strategy 0.5)
Quality management system executive condition, business events flow path control.
E, safety management (flexible strategy 0.5)
Production safety management system formulation and executive condition meet industry requirement situation.
F, environmental protection management (flexible strategy 0.5)
Environmental protection management system formulation and executive condition, meet industry requirement situation.
G, financial management (flexible strategy 0.5)
Daily financial control system is formulated and executive condition；Accounting standardized degree, corporation finance and control feelings
Condition.
H, risk management (flexible strategy 0.5)
Enterprise Risk Management system formulation and executive condition.
Four, financial index (35 points)
1, assets operating conditions (8 points)
A, the turnover of total assets (flexible strategy 2)
Main business income/[(initial total assets+end of term total assets)/2].
B, accounts receivable turnover (flexible strategy 2)
Main business income/[(initial accounts receivable remaining sum initial value+beginning bill receivable remaining sum+end of term accounts receivable initial value
+ end of term bill receivable remaining sum)/2].
C, the velocity of liquid assets (flexible strategy 2)
Operating income net amount/average total current assets.
D, stock turnover rate (flexible strategy 1)
Main business cost/[(beginning inventory+closing stock)/2].
E, prime operating revenue cash rate (flexible strategy 1)
Main business free cash inflow/main business income x100%.
2, business growth ability (6 points)
A, developing ability
3 years sale average growth rates (manage and be discontented with 3 years, calculated by practical year of managing)；(flexible strategy 1)
3 years net assets average growth rates (manage and be discontented with 3 years, calculated by practical year of managing)；(flexible strategy 1)
3 annual return average growth rates (are managed and are discontented with 3 years, calculate by practical year of managing).(flexible strategy 1)
B, innovation ability
R&D expense income sheet ratio: (R&D total cost/operating income net amount) x100%；(flexible strategy 1)
Equipment turnover rate: (fixed assets at cost value added/year end fixed assets at cost total value in 3 years) x100%；(flexible strategy
1)
Developmental achievement and applicable cases: (current year patent, invention, engineering method above the provincial level etc. declare, work out number/current year engineering
Complete number) x 100%.(flexible strategy 1)
3, financial benefit situation (10 points)
A, net assets income ratio (flexible strategy 2)
After-tax profit/[(initial net assets remaining sum+end of term net assets remaining sum)/2] x100%.
B, the profit margin of business income (flexible strategy 2)
(operating profit/main business income) x100%.
C, prime operating revenue cash rate (flexible strategy 2)
(main business free cash inflow/main business income) x100%.
D, return on total assets (flexible strategy 2)
(total profit+interest expense)/[(initial total assets+end of term total assets)/2] x100%.
E, cost profit margin (flexible strategy 1)
Total profit/cost total value x100%.
F, rate of gross profit (flexible strategy 1)
(main business income-main business cost)/main business income x100%.
4, fund credit standing (11 points)
A, asset-liability ratio (flexible strategy 3)
(total liabilities/total assets) x100%.
B, cash flow debt-to-equity ratio (flexible strategy 3)
(year operational cash net inflow/year end current liability average balance) x100%.
C, current rate (flexible strategy 3)
(quick assets/current liability) x100%.
D, interest cover ratio (flexible strategy 1)
EBIT/interest expense.
E, liquidity ratio (flexible strategy 1)
Total current assets/current liability total value x100%.
Five, common credit information record (45 points)
1, social responsibility (0.5 point)
A, honorary certificate (flexible strategy 0.5)
Environmental protection, the social responsibilities such as pay taxes, is charitable reward situation, government, employer's organization etc. authorize enterprise and its main pipe
The reward of reason personnel, honorary title.
2, every certification (10.5 points)
A, management system authenticates
Obtain external credit management system certification certificate (in validity period)；(flexible strategy 2)
Obtain international quality management system certification certificate (in validity period).(flexible strategy 2)
B, contract credit accreditation (flexible strategy 2)
A grades are obtained to abide by the contract, keep promise corporate authentication certificate (in validity period).
C, quality, service credit certification (flexible strategy 2)
It obtains A grades of heavys, service sincere unit certification certificate (in validity period).
D, credit grade certification (flexible strategy 2)
It obtains AAA grades of credit grades and authenticates certificate.
C, prestige documentary evidence (flexible strategy 0.5)
The excellent record documentary evidence of business administrative responsibile institution above county level credit.
3, business standing record (14 points)
A, qualification credit situation (4 points)
Whether enterprise is through administrative control of a state department approval constituted by law；(flexible strategy 0.5)
The property right whether enterprise possesses management place in accordance with the law proves or tenancy agreement；(flexible strategy 0.5)
The behaviors such as whether registered enterprise fund is true, legal, and nothing is lied about, escaped；(flexible strategy 0.5)
Whether there is or not the special operation permissions that relevant department's core is sent out to prove for extraordinary service trade；(flexible strategy 0.5)
Whether enterprise operation project meets the range of State Administration for Industry and Commerce's approval, the behavior without the operation that goes beyond the scope；
(flexible strategy 0.5)
Whether state tax authority core sends out tax code authentic and valid；(flexible strategy 0.5)
Enterprise chief leading cadre records without serious discreditable behavior；(flexible strategy 0.5)
Business finance, accounting, statistical report form are true, accurate, and no false behavior, nearly 2 years without losses due to poor management；(flexible strategy
0.5)
B, the behavior of credit situation (5 points) recorded by Chinese united credit verification system and province's cartel credit investigation system
No discreditable behavior record；(not deducting points)
There is 1 discreditable behavior record；(2 points of button)
There are 2 and above discreditable behavior record, or has great record of breaking one's promise；(5 points of button)
C, illegal record (5 points)
Administrative (industry and commerce, the tax, financial accounting, quality supervision, finance, labour protection and other administrative responsibile institution), judicial and employer's organization
To enterprise's punishment and record of bad behavior situation.(having record of breaking one's promise, detain 3 points, until having detained)
5, it commercially honours an agreement (2 points)
Contract breaks a contract record situation commercial contract degree of performance (flexible strategy 2)
Legal dispute and great complaint situation and materially affect.
6, expense deposits (1 point)
It is in arrears with record situation (flexible strategy 1)
It is in arrears with amount and is in arrears with the time (and with reference to verification normal business circumstance of enterprise).
7, customer satisfaction (2 points)
Customer satisfaction (flexible strategy 2)
Customer satisfaction survey.
8, it invites and submit bids credit record (15 points)
A, it invites and submit bids illegal record (7 points)
Relevant laws and regulations of inviting and submitting bids are violated, and by the behavior of administrative penalty (flexible strategy 7)
Whether there is or not administrative penalties and record of breaking one's promise (whether there is or not administrative penalties and record of breaking one's promise).
B, engineering contract agreement fulfillment rate (5 points)
The practical creditworthiness of honouring an agreement of engineering contract: (contract number of actually honouring an agreement/Ying Lvyue contract number) x100%；(flexible strategy 3)
Project leader (personnel such as project manager, person in charge of the technology aspect, chief inspector) in place and replacement situation, contract dispute feelings
Condition, the overall assessment for situation of honouring an agreement.(flexible strategy 2)
Prize-winning engineering rate situation (3 points)
Awards accounting is issued in the nearly 3 years prefecture-level above governments or authorities' comparation and assessment
Nearly 3 years prize-winning engineering numbers/actually accomplish engineering number x100% (flexible strategy 3) in nearly 3 years.
Occupy very high weight in reference model from can be seen that result of honouring an agreement in model above.
On the other hand, the present invention also provides a kind of electronic contract operation systems based on credit system, referring to FIG. 6,
It is a kind of block schematic illustration of the electronic contract operation system provided in an embodiment of the present invention based on credit system, the system
Include:
First acquisition unit 610, for after establishing mutual electronic contract relationship between at least two Target Enterprises, root
The fulfillment information of electronic contract is obtained according to the specified period；
Processing unit 620, for reading fulfiling in fulfillment information as a result, and ought fulfil in result in the presence of promise breaking
Side generates promise breaking information and pushes to all enterprises ends for currently all establishing electronic contract relationship with delinquent party；
Updating unit 630 joins the current reference of the Target Enterprise for the result of fulfiling to be imported reference model
Data are examined to be updated.
As a kind of preferred embodiment of the application, the system also includes:
Push unit 640, the collage-credit data for receiving requesting party transfer request, the collage-credit data of enterprise to be transferred are pushed away
It send to requesting party.
As a kind of preferred embodiment of the application, the system also includes:
Second acquisition unit 650, for obtaining the Target Enterprise from data source unit according to the affiliated type of Target Enterprise
Reference initial data；
Pretreatment unit 660 obtains calculating for the reference of reference for pre-processing the reference initial data
Data；
Computing module unit 670, the reference model for calculating data according to the reference and constructing in advance, obtains described
The reference reference data of Target Enterprise.
As a kind of preferred embodiment of the application, the pretreatment unit 660 is specifically included:
Configuration module 6601 configures corresponding Resource TOC template to reference for the source according to reference initial data
After initial data is handled, primary cleaning duplicate removal is carried out to obtain the first preprocessed data；
Synchronization module 6602 carries out secondary cleaning and goes after first preprocessed data is synchronized to designated position
Weight is to obtain the second preprocessed data；
Categorization module 6603, for being used for according to classifying rules is preset by second preprocessed data into classification
The reference of reference calculates data.
As a kind of preferred embodiment of the application, the categorization module is specifically used for:
If second preprocessed data does not detect to repeat in specified database, the second preprocessed data is stored
In the specified database；
If second preprocessed data detects to repeat in specified database, gone out respectively by preset formula calculating
The comprehensive weight of second preprocessed data and repeated data, and calculate the difference of the two comprehensive weight；
When difference is greater than preset threshold, then the update that the specified database carries out corresponding data is triggered；
When difference is not more than preset threshold, then artificial process instruction is sent.
A technical solution in above-mentioned technical proposal has the following beneficial effects:
The electric contract operation method and system based on credit system that the embodiment of the invention provides a kind of, by that will honour an agreement
The mode that situation is included in collage-credit data and is notified and shown to partner reaches and enterprise is promoted to fulfil the positive of electronic contract
Property purpose, break a contract to enterprise and positive performance of the contract behavior do not carry out operative constraint, the result that will honour an agreement is as reference model meter
The important parameter of calculation keeps the reference reference data for finally obtaining enterprise more reliable, more reference value.
In several embodiments provided by the present invention, it should be understood that disclosed system, device and method can be with
It realizes by another way.For example, apparatus embodiments described above are merely indicative, for example, the unit
It divides, only a kind of logical function partition, there may be another division manner in actual implementation, for example, multiple units or group
Part can be combined or can be integrated into another system, or some features can be ignored or not executed.Another point, it is shown
Or the mutual coupling, direct-coupling or communication connection discussed can be through some interfaces, equipment or unit it is indirect
Coupling or communication connection can be electrical property, mechanical or other forms.
The unit as illustrated by the separation member may or may not be physically separated, aobvious as unit
The component shown may or may not be physical unit, it can and it is in one place, or may be distributed over multiple
In network unit.It can select some or all of unit therein according to the actual needs to realize the mesh of this embodiment scheme
's.
It, can also be in addition, the functional units in various embodiments of the present invention may be integrated into one processing unit
It is that each unit physically exists alone, can also be integrated in one unit with two or more units.Above-mentioned integrated list
Member both can take the form of hardware realization, can also realize in the form of hardware adds SFU software functional unit.
The above-mentioned integrated unit being realized in the form of SFU software functional unit can store and computer-readable deposit at one
In storage media.Above-mentioned SFU software functional unit is stored in a storage medium, including some instructions are used so that a computer
It is each that equipment (can be personal computer, server or the network equipment etc.) or processor (Processor) execute the present invention
The part steps of embodiment the method.And storage medium above-mentioned includes: USB flash disk, mobile hard disk, read-only memory (Read-
Only Memory, ROM), random access memory (Random Access Memory, RAM), magnetic or disk etc. it is various
It can store the medium of program code.
The foregoing is merely illustrative of the preferred embodiments of the present invention, is not intended to limit the invention, all in essence of the invention
Within mind and principle, any modification, equivalent substitution, improvement and etc. done be should be included within the scope of the present invention.
Claims (10)
1. a kind of electric contract operation method based on credit system, which is characterized in that the described method includes:
After establishing mutual electronic contract relationship between at least two Target Enterprises, electronic contract is obtained according to the specified period
Fulfillment information；
Fulfiling in fulfillment information is read as a result, generating information of breaking a contract if fulfiling in result there are delinquent party and pushing to currently
All enterprises ends of electronic contract relationship are all established with delinquent party；
The result of fulfiling is imported into reference model, the current reference reference data of the Target Enterprise is updated.
2. the electric contract operation method according to claim 1 based on credit system, which is characterized in that the method is also
Include:
The collage-credit data for receiving requesting party transfers request, and the collage-credit data of enterprise to be transferred is pushed to requesting party.
3. the electric contract operation method according to claim 1 based on credit system, which is characterized in that the method is also
Include:
According to the affiliated type of Target Enterprise, the reference initial data of the Target Enterprise is obtained from data source unit；
The reference initial data is pre-processed, obtains calculating data for the reference of reference；
The reference model for calculating data according to the reference and constructing in advance, obtains the reference reference data of the Target Enterprise.
4. the electric contract operation method according to claim 3 based on credit system, which is characterized in that described to described
Reference initial data is pre-processed, and is obtained calculating data for the reference of reference, be specifically included:
According to the source of reference initial data, configure after corresponding Resource TOC template handles reference initial data, into
The primary cleaning duplicate removal of row is to obtain the first preprocessed data；
After first preprocessed data is synchronized to designated position, secondary cleaning duplicate removal is carried out to obtain the second pretreatment number
According to；
According to default classifying rules by second preprocessed data into classification, obtain calculating data for the reference of reference.
5. the electric contract operation method according to claim 4 based on credit system, which is characterized in that according to default point
Rule-like into classification, specifically includes second preprocessed data:
If second preprocessed data does not detect to repeat in specified database, the second preprocessed data is stored in this
Specified database；
If second preprocessed data detects to repeat in specified database, is calculated by preset formula and go out second respectively
The comprehensive weight of preprocessed data and repeated data, and calculate the difference of the two comprehensive weight；
When difference is greater than preset threshold, then the update that the specified database carries out corresponding data is triggered；
When difference is not more than preset threshold, then artificial process instruction is sent.
6. a kind of electronic contract operation system based on credit system, which is characterized in that the system comprises:
First acquisition unit, for after establishing mutual electronic contract relationship between at least two Target Enterprises, according to specified
The fulfillment information of period acquisition electronic contract；
Processing unit, for reading fulfiling in fulfillment information as a result, and when fulfiling there are delinquent party in result, generation is disobeyed
About information pushes to all enterprises ends that electronic contract relationship is currently all established with delinquent party；
Updating unit, for the result of fulfiling to be imported reference model, to the current reference reference data of the Target Enterprise
It is updated.
7. the electronic contract operation system according to claim 6 based on credit system, which is characterized in that the system is also
Include:
Push unit, the collage-credit data for receiving requesting party transfer request, the collage-credit data of enterprise to be transferred are pushed to and is asked
The side of asking.
8. the electronic contract operation system according to claim 6 based on credit system, which is characterized in that the system is also
Include:
Second acquisition unit, for obtaining the reference of the Target Enterprise from data source unit according to the affiliated type of Target Enterprise
Initial data；
Pretreatment unit obtains calculating data for the reference of reference for pre-processing the reference initial data；
Computing module unit, the reference model for calculating data according to the reference and constructing in advance obtain the target enterprise
The reference reference data of industry.
9. the electronic contract operation system based on credit system according to claim 8, which is characterized in that described
Pretreatment unit specifically includes:
Configuration module configures corresponding Resource TOC template to reference initial data for the source according to reference initial data
After being handled, primary cleaning duplicate removal is carried out to obtain the first preprocessed data；
Synchronization module carries out secondary cleaning duplicate removal after first preprocessed data is synchronized to designated position to obtain
Second preprocessed data；
Categorization module, for obtaining the sign for reference according to classifying rules is preset by second preprocessed data into classification
Letter calculates data.
10. the electronic contract operation system based on credit system according to claim 9, which is characterized in that institute
Categorization module is stated to be specifically used for:
If second preprocessed data does not detect to repeat in specified database, the second preprocessed data is stored in this
Specified database；
If second preprocessed data detects to repeat in specified database, is calculated by preset formula and go out second respectively
The comprehensive weight of preprocessed data and repeated data, and calculate the difference of the two comprehensive weight；
When difference is greater than preset threshold, then the update that the specified database carries out corresponding data is triggered；
When difference is not more than preset threshold, then artificial process instruction is sent.
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| CN201810943689.XA CN109508947A (en) | 2018-08-18 | 2018-08-18 | A kind of electric contract operation method and system based on credit system |
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| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| CN201810943689.XA CN109508947A (en) | 2018-08-18 | 2018-08-18 | A kind of electric contract operation method and system based on credit system |
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| CN110570270A (en) * | 2019-07-31 | 2019-12-13 | 阿里巴巴集团控股有限公司 | credit contract processing method and device |
| CN110716966A (en) * | 2019-10-16 | 2020-01-21 | 京东方科技集团股份有限公司 | Data visualization processing method and system, electronic device and storage medium |
| CN110910211A (en) * | 2019-11-18 | 2020-03-24 | 支付宝(杭州)信息技术有限公司 | Credit updating method and device |
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| CN110910211A (en) * | 2019-11-18 | 2020-03-24 | 支付宝(杭州)信息技术有限公司 | Credit updating method and device |
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