CN109859051A - A kind of financing method and device - Google Patents
A kind of financing method and device Download PDFInfo
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- CN109859051A CN109859051A CN201910035760.9A CN201910035760A CN109859051A CN 109859051 A CN109859051 A CN 109859051A CN 201910035760 A CN201910035760 A CN 201910035760A CN 109859051 A CN109859051 A CN 109859051A
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Abstract
The embodiment of the invention discloses a kind of financing method and devices, are related to internet financial field, and the efficiency for solving financing is lower, operate more complex problem.The specific scheme is that obtaining the information of financier, the Fundamental Analysis and operation situation analysis of financier are carried out according to the information of financier and customer portrait model, determine the credit scoring and behavior data reporting of financier, according to credit scoring and behavior data reporting, and the decision rule prestored, determine financing limit and finance rate, obtain the financing needs of financier, according to financing limit, finance rate, and the accrediting amount of financier, financing needs are matched at least one financial product, obtain the destination financial product of successful match, to destination financial product, corresponding investor sends credit scoring, behavior data reporting and destination financial product, receive and record the lending amount of money of investor's transmission.During the embodiment of the present invention is used for entity industrial financing.
Description
Technical field
The present embodiments relate to internet financial field more particularly to a kind of financing methods and device.
Background technique
Production melts collaboration and refers to financial company and entity industry, such as Utilities Electric Co., industry companies, collective-owned enterprise mutually according to
It deposits, work in coordination, realize balanced, coordination and lasting joint development.
In the prior art, when entity industry needs to finance, financing needs, financial company can be submitted to financial company
Related personnel can be according to the financing needs, the information of binding entity industry determines the amount of money of making loans.But pass through in this way
The artificial amount of money of making loans for determining entity industry, the efficiency that will lead to financing is lower, operates more complex.
Summary of the invention
The present invention provides a kind of financing method and device, and the efficiency for solving financing is lower, operates more complex problem.
In order to achieve the above objectives, the present invention adopts the following technical scheme:
In a first aspect, the present invention provides a kind of financing method, this method may include: to obtain the information of financier, financing
The information of side includes: essential information, operation and financial situation, social collecting funds situation, water power heat consumption situation, transaction details and enterprise
It honours an agreement evaluation；The Fundamental Analysis and operation situation analysis of financier are carried out according to the information of financier and customer portrait model,
Determine the credit scoring and behavior data reporting of financier；According to credit scoring and behavior data reporting, and the decision prestored
Rule determines financing limit and finance rate；Obtain the financing needs of financier；According to financing limit, finance rate, Yi Jirong
The accrediting amount of capital matches financing needs at least one financial product, and the destination financial for obtaining successful match produces
Product；To destination financial product, corresponding investor sends credit scoring, behavior data reporting and destination financial product；It receives and remembers
Record the amount of money of making loans that investor sends.
With reference to first aspect, in one possible implementation, the information for obtaining financier specifically may include:
It is flat from financial managing and control system, enterprise resource planning, Tender System, master data management system, marketing system, reference respectively
Platform, unified account platform receive data；The data received are summarized, are cleaned, the information of financier is obtained.
It finances in alternatively possible implementation determining with above-mentioned possible implementation with reference to first aspect
After the credit scoring of side, it can also include: to be honoured an agreement evaluation and industry major event information according to credit scoring, enterprise, determine
Warning information；Warning information includes credit risk, the market risk and risk information of honouring an agreement, the loan that warning information is used for as investor
Manager provides Risk-warning afterwards.
Can also include: in alternatively possible implementation with above-mentioned possible implementation with reference to first aspect
According to financing history, financial information, acceptance of the bid information and supply of material information, and the Marketing Model prestored, at least one financing is determined
The credit rating of side；Respectively at least one financier, the financier that credit rating is greater than preset value pushes corresponding financial product.
Second aspect, the present invention provide a kind of financing device, which may include: data integration unit, client
Portrait unit, decision engine unit, demand center cell, transmission unit and receiving unit.Wherein, data integration unit is used for
The information of financier is obtained, the information of financier includes: essential information, operation and financial situation, social collecting funds situation, water power heat
Consumption situation, transaction details and enterprise are honoured an agreement evaluation.Customer portrait unit, for the information and customer portrait model according to financier
The Fundamental Analysis and operation situation analysis for carrying out financier, determine the credit scoring and behavior data reporting of financier.Decision
Engine unit is used for according to credit scoring and behavior data reporting, and the decision rule prestored, determines financing limit and financing
Interest rate.Demand center cell, for obtaining the financing needs of financier；According to financing limit, finance rate and financier
Financing needs are matched at least one financial product, obtain the destination financial product of successful match by the accrediting amount.It sends
Unit, for sending credit scoring, behavior data reporting and destination financial product to the corresponding investor of destination financial product.It connects
Unit is received, for receiving and recording the amount of money of making loans of investor's transmission.
In conjunction with second aspect, in one possible implementation, data integration unit is specifically used for: respectively from finance
Managing and control system, enterprise resource planning, Tender System, master data management system, marketing system, reference platform, unified account
Family platform receives data；The data received are summarized, are cleaned, the information of financier is obtained.
In conjunction with second aspect and above-mentioned possible implementation, in alternatively possible implementation, financing device is also
It include: Risk-warning unit.Risk-warning unit, for being believed according to honour an agreement evaluation and the industry major event of credit scoring, enterprise
Breath, determines warning information；Warning information includes credit risk, the market risk and risk information of honouring an agreement, and warning information is used to throw
The post-loan management person of capital provides Risk-warning.
In conjunction with second aspect and above-mentioned possible implementation, in alternatively possible implementation, financing device is also
It include: precision marketing unit.Precision marketing unit is used for according to financing history, financial information, acceptance of the bid information and supply of material information,
And the Marketing Model prestored, determine the credit rating of at least one financier.Transmission unit is also used to melt at least one respectively
In capital, the financier that credit rating is greater than preset value pushes corresponding financial product.
The financier that concrete implementation mode can be provided with reference to the possible implementation of first aspect or first aspect
The behavioral function of financing device in method.
The third aspect provides a kind of financing device, which includes: that at least one processor, memory, communication connect
Mouth and communication bus.Processor is connect with memory, communication interface by communication bus, and memory is for storing computer execution
Instruction, when device of financing is run, processor executes the computer executed instructions of memory storage, so that financing device executes such as
The financing method of any one of the possible implementation of first aspect or first aspect.
Fourth aspect provides a kind of computer storage medium, is stored thereon with computer executed instructions, when computer executes
Instruction on financing device when running, so that financing device is executed as in the possible implementation of first aspect or first aspect
The financing method of any one.
Financing method provided by the invention determines credit scoring and the behavior report of financier in the information according to financier
After accusing data, according to credit scoring and behavior data reporting, and the decision rule prestored, determine financing limit and financing benefit
Rate, and after getting the financing needs of financier, in conjunction with financing limit, finance rate and the accrediting amount of financier, will melt
Money demand and at least one financial product are matched, and the destination financial product of successful match is obtained, and are sent and are financed to investor
Amount, finance rate and destination financial product, and receive the amount of money of making loans of investor's transmission.In this way, financing device passes through combination
Financing needs are matched to obtain destination financial product by financing limit, finance rate and the accrediting amount of financier, and to throwing
Capital pushes financing limit and finance rate, so that investor determines the final amount of money for investing financier, that is, determines gold of making loans
Volume is made loans compared with the amount of money with manually being determined in the prior art according to financing needs, by financing device carry out the processing of data with
Analysis, improves the efficiency of financing, and makes the operation of financing more convenient.
Detailed description of the invention
Fig. 1 is that one kind provided in an embodiment of the present invention can simplify signal using the system architecture of the embodiment of the present invention
Figure；
Fig. 2 is a kind of flow chart of financing method provided in an embodiment of the present invention；
Fig. 3 is a kind of composition schematic diagram of device of financing provided in an embodiment of the present invention；
Fig. 4 is the composition schematic diagram of another financing device provided in an embodiment of the present invention；
Fig. 5 is the composition schematic diagram of another financing device provided in an embodiment of the present invention；
Fig. 6 is the composition schematic diagram of another financing device provided in an embodiment of the present invention.
Specific embodiment
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 description, 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, it is obtained by those of ordinary skill in the art without making creative efforts every other
Embodiment shall fall within the protection scope of the present invention.
Shown in fig. 1 is the rough schematic view that can apply the system architecture of the embodiment of the present invention, as shown in Figure 1, this is
System framework may include: the terminal 12 and business datum server 13 that device 11, investor use of financing.
Wherein, financing device 11 may include producing to melt collaborative platform, and it is public for Utilities Electric Co., industry which melts collaborative platform
The financiers enterprises such as department, collective-owned enterprise, industrial chain upstream supplier finance.In Fig. 1 by taking device of financing is computer as an example
It shows.
The terminal 12 that investor uses may include producing to melt collaborative platform, which melts collaborative platform for investor's publication gold
Melt product.Investor can be financial company or external financial mechanism, melt loan for providing for financier.
Business datum server 13 may include financial managing and control system, enterprise resource planning (Enterprise
Resource Planning, ERP) system, Tender System, master data management (Master Data Management, MDM)
System, marketing system, reference platform, unified account platform, for sending data to financing device 11 respectively, so as to device of financing
11 according to the information of the data acquisition to financier, such as the essential information of financier, operation and financial situation, social collecting funds situation
Deng.
In order to which the efficiency for solving financing is lower, more complex problem is operated, the embodiment of the invention provides a kind of financiers
Method, as shown in Fig. 2, this method may include:
201, the information of financier is obtained.
Wherein, financier, which can open to produce on financing device, melts collaborative platform, and is registered when first logging into.It steps on
After recording successfully, financing device can carry out authentication to financier, according to enterprise's certificate request of financier after authenticating successfully,
Enterprise's certificate is obtained from third party's certificate granting (Certificate Authority, CA) mechanism, and from third party CA mechanism
Business-electronic stamped signature is obtained, business-electronic stamped signature and certificate are bound, so that financier and third party CA mechanism melt association by producing
Electronic signature is completed with platform.After completing electronic signature, financier can be with financial managing and control system, ERP system, bidding system
System, MDM system, marketing system, reference platform, unified account platform etc. are docked, to receive data, and to the number received
According to being summarized, being cleaned, to obtain the information of financier, the information of the financier is recorded.The information of the financier can wrap
Include: essential information, operation and financial situation, social collecting funds situation, water power heat consumption situation, transaction details, enterprise are honoured an agreement evaluation etc..
It should be noted that in embodiments of the present invention, device is financed after the information for obtaining multiple financiers, it can be with
The data access authority and desensitization requirement of each data requirements unit be set, and by the data after desensitization according to the permission being arranged,
Each data requirements unit is provided to according to business to be inquired.
202, Fundamental Analysis and the operation situation point of financier are carried out according to the information of financier and customer portrait model
Analysis, determines the credit scoring and behavior data reporting of financier.
Wherein, financing device, can be using customer portrait model to financier's after getting the information of financier
Information carries out Fundamental Analysis and operation situation analysis, to determine the credit scoring and behavior data reporting of financier.Wherein, believe
It can show that the trusted degree of financier with scoring, credit scoring is higher, shows that the trusted degree of the financier is higher, more
Be conducive to financier to be provided a loan.
It should be noted that in embodiments of the present invention, customer portrait model is practised according to the social property of enterprise, operation
The information such as used and financing behavior and the user model of a labeling taken out, can based on industry companies, collective-owned enterprise with
And the quality of enterprise of industrial chain upstream and downstream supplier, comprehensively three-dimensional customer portrait model is constructed, and be pre-stored in production to melt collaboration flat
In platform.
203, according to credit scoring and behavior data reporting, and the decision rule prestored, determine financing limit and financing
Interest rate.
Wherein, financing device can be melted association after the credit scoring and behavior data reporting for determining financier by production
Decision engine unit with platform uses reference and big data analysis means, and the credit risk of financier is evaluated and divided
Grade, by the decision rule prestored, calculates financing limit and finance rate.
204, the financing needs of financier are obtained.
Wherein, when financier finances, can melt publication financing in collaborative platform in the production of financing device is needed
It asks, which may include: the financing amount of money, payment period, the information such as date, payback period of refunding.Melt collaboration in this way, producing
The demand center cell of platform can get the financing needs of financier.
It should be noted that financier can be with investor if financier is financed with accounts receivable for mortgage
It is really weighed on line, and carries out stamped signature on really power letter, collaborative platform is melted in production can recorde really power result.
In addition, can melt collaborative platform by production will melt if in the financing needs of financier further including Account Changes
The Send only Account of capital is changed to financial unit supervision account, and production melts collaborative platform and can recorde Account Changes result.
205, according to financing limit, finance rate and the accrediting amount of financier, by financing needs and at least one gold
Melt product to be matched, obtains the destination financial product of successful match.
Wherein, financing device, can be in conjunction with the financing that step 203 is determined after getting the financing needs of financier
Amount and finance rate, and storage financier the accrediting amount, financing needs and at least one financial product are carried out
Match, if the financial product of successful match have it is multiple, finance device can it is optional one be used as destination financial product.Wherein,
In embodiments of the present invention, the accrediting amount of financier be by investor receive financier initiation credit application after, into
Row credit granting work, and melt reply result feedback in collaborative platform to production after the completion of credit reply, melt collaborative platform to produce
Record the accrediting amount of the financier.In addition, financial product is to melt collaborative platform in production by investor's publication.
206, credit scoring, behavior data reporting and destination financial is sent to the corresponding investor of destination financial product to produce
Product.
Wherein, financing device, can be to the corresponding investor of destination financial product after determining destination financial product
Send financier credit scoring, behavior data reporting and destination financial product be so that investor is using these data as foundation
The final amount of money of making loans of financier's evaluation.
207, receive and record the amount of money of making loans of investor's transmission.
Further, in embodiments of the present invention, the credit scoring that financing device can also be determined according to step 202,
And enterprise honours an agreement evaluation and industry major event information, determines warning information.The warning information may include credit risk, city
Field risk and risk information of honouring an agreement, for providing Risk-warning for the post-loan management person of investor.The finance either docked, object
Money is marketed, through the external datas such as the data such as method or reference, the tax, industry and commerce, the administration of justice, and quality, the timeliness of data are all pre-
Alert core.
Further, in embodiments of the present invention, financing device is after providing fund for multiple financiers, Ke Yigen
According to the financing history of record, financial information, acceptance of the bid information and supply of material information, and the Marketing Model prestored, at least one is determined
The credit rating of financier, and respectively at least one financier, credit rating is greater than the corresponding gold of financier's push of preset value
Melt product, to improve the popularization efficiency of financial product.
Financing method provided by the invention determines credit scoring and the behavior report of financier in the information according to financier
After accusing data, according to credit scoring and behavior data reporting, and the decision rule prestored, determine financing limit and financing benefit
Rate, and after getting the financing needs of financier, in conjunction with financing limit, finance rate and the accrediting amount of financier, will melt
Money demand and at least one financial product are matched, and the destination financial product of successful match is obtained, and are sent and are financed to investor
Amount, finance rate and destination financial product, and receive the amount of money of making loans of investor's transmission.In this way, financing device passes through combination
Financing needs are matched to obtain destination financial product by financing limit, finance rate and the accrediting amount of financier, and to throwing
Capital pushes financing limit and finance rate, so that investor determines the final amount of money for investing financier, that is, determines gold of making loans
Volume is made loans compared with the amount of money with manually being determined in the prior art according to financing needs, by financing device carry out the processing of data with
Analysis, improves the efficiency of financing, and makes the operation of financing more convenient.
It is above-mentioned that mainly scheme provided in an embodiment of the present invention is described from the angle of financing device.It is understood that
It is that in order to realize the above functions, it comprises execute the corresponding hardware configuration of each function and/or software module for financing device.
Those skilled in the art should be readily appreciated that, algorithm steps described in conjunction with the examples disclosed in the embodiments of the present disclosure
Suddenly, the present invention can be realized with the combining form of hardware or hardware and computer software.Some function actually with hardware still
Computer software drives the mode of hardware to execute, the specific application and design constraint depending on technical solution.Professional skill
Art personnel can use different methods to achieve the described function each specific application, but this realization should not be recognized
It is beyond the scope of this invention.
The embodiment of the present invention can carry out the division of functional module according to above method example to financing device, for example, can
With each functional module of each function division of correspondence, two or more functions can also be integrated in a processing module
In.Above-mentioned integrated module both can take the form of hardware realization, can also be realized in the form of software function module.It needs
It is noted that be schematical, only a kind of logical function partition to the division of module in the embodiment of the present invention, it is practical real
It is current that there may be another division manner.
In the case where each function division of use correspondence each functional module, Fig. 3 is shown involved in above-described embodiment
Financing device a kind of possible composition schematic diagram, as shown in figure 3, the financing device may include: data integration unit 31,
Customer portrait unit 32, decision engine unit 33, demand center cell 34, transmission unit 35 and receiving unit 36.
Wherein, data integration unit 31, for supporting financing device to execute the step 201 in financing method shown in Fig. 2.
Customer portrait unit 32, for supporting financing device to execute the step 202 in financing method shown in Fig. 2.
Decision engine unit 33, for supporting financing device to execute the step 203 in financing method shown in Fig. 2.
Demand center cell 34, for supporting financing device to execute step 204, step in financing method shown in Fig. 2
205。
Transmission unit 35, for supporting financing device to execute the step 206 in financing method shown in Fig. 2.
Receiving unit 36, for supporting financing device to execute the step 207 in financing method shown in Fig. 2.
Further, in embodiments of the present invention, as shown in figure 4, financing device can also include: Risk-warning unit 37
With precision marketing unit 38.
Risk-warning unit 37, for support financing device execute in financing method shown in Fig. 2 according to credit scoring,
And enterprise honours an agreement evaluation and industry major event information, determines warning information.
Precision marketing unit 38, for support financing device execute in financing method shown in Fig. 2 according to financing history,
Financial information, acceptance of the bid information and supply of material information, and the Marketing Model prestored, determine the credit rating of at least one financier, and
Respectively at least one financier, the financier that credit rating is greater than preset value pushes corresponding financial product.
It should be noted that all related contents for each step that above method embodiment is related to can quote correspondence
The function of functional module describes, and details are not described herein.
Financing device provided in an embodiment of the present invention for executing above-mentioned financing method, therefore can achieve and melt with above-mentioned
The identical effect of capital's method.
Using integrated unit, Fig. 5 shows the another of financing device involved in above-described embodiment
The possible composition schematic diagram of kind.As shown in figure 5, the financing device includes: processing module 41, communication module 42 and memory module
43。
Processing module 41 is used to carry out control management to the movement of financing device, for example, processing module 41 is melted for supporting
Money device executes step 201, step 202, step 203, step 204, step 205 in Fig. 2, and/or for described herein
Technology other processes.Communication module 42 is used to support the communication of financing device and other network entities.Memory module 43 is used
In the program code and data of storage financing device.
Wherein, processing module 41 can be processor.It, which may be implemented or executes, combines described by the disclosure of invention
Various illustrative logic blocks, module and circuit.Processor is also possible to realize the combination of computing function, such as includes one
The combination of a or multi-microprocessor, digital signal processor (Digital Signal Processor, DSP) and microprocessor
Combination etc..Communication module 42 can be communication interface.Memory module 43 can be memory.
When processing module 41 is processor, communication module 42 is communication interface, when memory module 43 is memory, the present invention
The financing device of embodiment can be financing device shown in fig. 6.
Fig. 6 is a kind of composition schematic diagram of device of financing provided in an embodiment of the present invention, as shown in fig. 6, the financing device
It may include: at least one processor 51, memory 52, communication interface 53 and communication bus 54.
It is specifically introduced below with reference to each component parts of the Fig. 6 to financing device:
Wherein, processor 51 is the control centre of financing device, can be a processor, is also possible to multiple processing elements
The general designation of part.For example, processor 51 is a central processing unit (Central Processing Unit, CPU), it is also possible to
Specific integrated circuit (Application Specific Integrated Circuit, ASIC), or be arranged to implement
One or more integrated circuits of the embodiment of the present invention, such as: one or more DSP, or, one or more field-programmable
Gate array (Field Programmable Gate Array, FPGA).
In concrete implementation, as one embodiment, processor 51 may include one or more CPU, such as in Fig. 6
Shown in CPU0 and CPU1.And as one embodiment, financing device may include multiple processors, such as shown in Fig. 6
Processor 51 and processor 55.Each of these processors can be a single core processor (Single-CPU), can also
To be a multi-core processor (Multi-CPU).Here processor can refer to one or more equipment, circuit, and/or be used for
Handle the processing core of data (such as computer program instructions).
Memory 52 can be read-only memory (Read-Only Memory, ROM) or can store static information and instruction
Other kinds of static storage device, random access memory (Random Access Memory, RAM) or letter can be stored
The other kinds of dynamic memory of breath and instruction, is also possible to Electrically Erasable Programmable Read-Only Memory (Electrically
Erasable Programmable Read-Only Memory, EEPROM), CD-ROM (Compact Disc Read-
Only Memory, CD-ROM) or other optical disc storages, optical disc storage (including compression optical disc, laser disc, optical disc, digital universal
Optical disc, Blu-ray Disc etc.), magnetic disk storage medium or other magnetic storage apparatus or can be used in carrying or store to have referring to
Enable or data structure form desired program code and can by any other medium of computer access, but not limited to this.
Memory 52, which can be, to be individually present, and is connected by communication bus 54 with processor 51.Memory 52 can also and processor
51 integrate.
In concrete implementation, memory 52, for storing the data in the present invention and executing software program of the invention.
Processor 51 can be by running or execute the software program being stored in memory 52, and calls and be stored in memory 52
Data, execute financing device various functions.
Communication interface 53, using the device of any transceiver one kind, for other equipment or communication, such as nothing
Line access (Radio Access Network, RAN), WLAN (Wireless Local Area Networks,
WLAN) etc..Communication interface 53 may include that receiving unit realizes that receive capabilities and transmission unit realize sending function.
Communication bus 54 can be industry standard architecture (Industry Standard Architecture, ISA)
Bus, external equipment interconnection (Peripheral Component Interconnect, PCI) bus or extension industrial standard body
Architecture (Extended lndustry Standard Architecture, EISA) bus etc..The bus can be divided into address
Bus, data/address bus, control bus etc..Only to be indicated with a thick line in Fig. 6, it is not intended that only one convenient for indicating
Bus or a type of bus.
Through the above description of the embodiments, it is apparent to those skilled in the art that, for description
It is convenienct and succinct, only the example of the division of the above functional modules, in practical application, can according to need and will be upper
It states function distribution to be completed by different functional modules, i.e., the internal structure of device is divided into different functional modules, to complete
All or part of function described above.
In several embodiments provided by the present invention, it should be understood that disclosed device and method can pass through it
Its mode is realized.For example, the apparatus embodiments described above are merely exemplary, for example, the module or unit
It divides, only a kind of logical function partition, there may be another division manner in actual implementation, such as multiple units or components
It may be combined or can be integrated into another device, 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, the indirect coupling of device or unit
It closes or communicates to connect, 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 can be a physical unit or multiple physical units, it can and it is in one place, or may be distributed over
Multiple and different places.Some or all of unit therein can be selected to realize this embodiment scheme according to the actual needs
Purpose.
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 software functional units.
If the integrated unit is realized in the form of SFU software functional unit and sells or use as independent product
When, it can store in a read/write memory medium.Based on this understanding, the technical solution of the embodiment of the present invention is substantially
The all or part of the part that contributes to existing technology or the technical solution can be in the form of software products in other words
It embodies, which is stored in a storage medium, including some instructions are used so that an equipment (can be list
Piece machine, chip etc.) or processor (processor) perform all or part of the steps of the method described in the various embodiments of the present invention.
And storage medium above-mentioned includes: that USB flash disk, mobile hard disk, ROM, RAM, magnetic or disk etc. are various can store program code
Medium.
The above description is merely a specific embodiment, but scope of protection of the present invention is not limited thereto, any
Change or replacement in the technical scope disclosed by the present invention, should be covered by the protection scope of the present invention.Therefore, this hair
Bright protection scope should be based on the protection scope of the described claims.
Claims (10)
1. a kind of financing method, which is characterized in that the described method includes:
The information of financier is obtained, the information of the financier includes: essential information, operation and financial situation, social collecting funds feelings
Condition, water power heat consumption situation, transaction details and enterprise honour an agreement evaluation；
Fundamental Analysis and the operation situation point of the financier are carried out according to the information of the financier and customer portrait model
Analysis, determines the credit scoring and behavior data reporting of the financier；
According to the credit scoring and the behavior data reporting, and the decision rule prestored, financing limit and financing are determined
Interest rate；
Obtain the financing needs of the financier；
According to the accrediting amount of the financing limit, the finance rate and the financier, by the financing needs and extremely
A few financial product is matched, and the destination financial product of successful match is obtained；
To the destination financial product, corresponding investor sends the credit scoring, the behavior data reporting and the target
Financial product；
Receive and record the amount of money of making loans that the investor sends.
2. financing method according to claim 1, which is characterized in that the information for obtaining financier, comprising:
Respectively from financial managing and control system, enterprise resource planning, Tender System, master data management system, marketing system, sign
Believe that platform, unified account platform receive data；
The data received are summarized, are cleaned, the information of the financier is obtained.
3. financing method according to claim 1 or 2, which is characterized in that commented in the credit of the determination financier
/ after, further includes:
It is honoured an agreement evaluation and industry major event information according to the credit scoring, the enterprise, determines warning information；The early warning
Information includes credit risk, the market risk and risk information of honouring an agreement, and the warning information is managed after being used for the loan for the investor
Reason person provides Risk-warning.
4. financing method according to claim 1, which is characterized in that the method also includes:
According to financing history, financial information, acceptance of the bid information and supply of material information, and the Marketing Model prestored, at least one is determined
The credit rating of financier；
Respectively at least one described financier, the financier that credit rating is greater than preset value pushes corresponding financial product.
5. a kind of financing device, which is characterized in that the financing device includes: data integration unit, customer portrait unit, decision
Engine unit, demand center cell, transmission unit and receiving unit；
The data integration unit, for obtaining the information of financier, the information of the financier includes: essential information, manages
And financial situation, social collecting funds situation, water power heat consumption situation, transaction details and enterprise honour an agreement evaluation；
The customer portrait unit carries out the base of the financier for the information and customer portrait model according to the financier
This surface analysis and operation situation analysis, determine the credit scoring and behavior data reporting of the financier；
The decision engine unit is used for according to the credit scoring and the behavior data reporting, and the decision rule prestored
Then, financing limit and finance rate are determined；
The demand center cell, for obtaining the financing needs of the financier；According to the financing limit, financing benefit
The financing needs are matched at least one financial product, are matched by rate and the accrediting amount of the financier
Successful destination financial product；
The transmission unit, for sending the credit scoring, the behavior to the corresponding investor of the destination financial product
Data reporting and the destination financial product；
The receiving unit, the amount of money of making loans sent for receiving and recording the investor.
6. financing device according to claim 5, which is characterized in that the data integration unit is specifically used for:
Respectively from financial managing and control system, enterprise resource planning, Tender System, master data management system, marketing system, sign
Believe that platform, unified account platform receive data；
The data received are summarized, are cleaned, the information of the financier is obtained.
7. financing device according to claim 5 or 6, which is characterized in that the financing device further include: Risk-warning list
Member；
The Risk-warning unit, for being honoured an agreement evaluation and industry major event information according to the credit scoring, the enterprise,
Determine warning information；The warning information includes credit risk, the market risk and risk information of honouring an agreement, and the warning information is used for
Risk-warning is provided for the post-loan management person of the investor.
8. financing device according to claim 5, which is characterized in that the financing device further include: precision marketing unit；
The precision marketing unit is used for according to financing history, financial information, acceptance of the bid information and supply of material information, and prestore
Marketing Model determines the credit rating of at least one financier；
The transmission unit is also used to respectively at least one described financier, and the financier that credit rating is greater than preset value pushes away
Send corresponding financial product.
9. a kind of financing device, which is characterized in that the financing device includes: that processor, memory, communication interface and communication are total
Line；
The processor is connect with the memory, the communication interface by the communication bus, and the memory is for depositing
Computer executed instructions are stored up, when financing device operation, the processor executes the calculating of the memory storage
Machine executes instruction, so that the financing device executes such as financing method of any of claims 1-4.
10. a kind of computer storage medium, which is characterized in that the computer storage medium includes computer executed instructions, when
The computer executed instructions on financing device when running, so that the financing device is executed as any in claim 1-4
Financing method described in.
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| CN110827141A (en) * | 2019-11-05 | 2020-02-21 | 广州新丝路信息科技有限公司 | Supply chain financial stock pledge management system and method |
| CN111179093A (en) * | 2020-01-02 | 2020-05-19 | 山东浪潮通软信息科技有限公司 | Method for accurately controlling financing amount of supplier according to big data |
| CN111583046A (en) * | 2020-05-20 | 2020-08-25 | 北京九恒星科技股份有限公司 | Financial resource processing method, device, equipment and system |
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| CN113672815A (en) * | 2021-08-30 | 2021-11-19 | 深圳市中壬速客信息技术有限公司 | Method and system for rapidly acquiring high-security information data resources online |
| CN114519631A (en) * | 2022-01-17 | 2022-05-20 | 广东企数标普科技有限公司 | Financing data processing method and device based on product matching |
| CN116630035A (en) * | 2023-07-26 | 2023-08-22 | 深圳市企企通科技有限公司 | Enterprise financing-based life cycle tracking method, device, equipment and medium |
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